When you can be happy in your sadness as you are in your happiness. Then you know the key to life.

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.

Just because one of you earns the paycheck doesn't mean that person should lord over how the money is handled.

The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare.

But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.

It's impossible to map out a route to your destination if you don't know where you're starting from.

In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.