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

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.

Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.

You can't build a future if you do not know who you are. You can't become who you are meant to be if you can't tell the truth about who you are, what you have, and everything about your life. The truth is the absolute essence to your success, while lies are the absolute essence to your failures.

America has a broken spirit, that the people that are saying, "Please help me, please let me keep my home, please let me keep my car, please recognize me as a vital human being," they are falling on deaf ears.