Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.

Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing.

If you have a 50 percent match and you get in trouble financially, you can either withdraw money as a loan, or withdraw the 50 percent match. If you take it out, you have to pay taxes on it, but you still come out ahead.

Cut back your spending now.

Never, ever invest money that you will need prior to three to five years - minimum.

I look around and there are needs that people have. Places have needs. These times have needs, and I have the education and the ability to communicate with it and help to solve those needs.

It pays to be a fee fiend.