True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share.

What women need to understand is that you cannot save a child if you can't save yourself.

In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm.

Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.

I get more emails and calls when it comes to money than probably any other single person on television when it comes to money.

A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace.

Here's my gift-giving rule: Respect your current financial situation.