No one's ever achieved financial fitness with a January resolution that's abandoned by February.

Don't let what others think or say get in your way; their actions reflect on them, not you.

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.

There isn't a part of our lives that money doesn't touch - it affects our relationships, the way we go about our everyday activities, our ability to make dreams reality, everything.

With success comes unhelpful criticism - ignore it.

The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.