I think Oprah's [winfrey] learned from me that it's OK to be harsh on people because in one's harshness you can see transformation happen right before your very eyes.

Find $50 a month for savings. No excuses!

Live below your means but within your needs.

I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care.

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.

As our net worth falls, so does our self-worth. Ironically, it's when we don't have it that we most feel we have to flaunt it.

Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.