I want to see a new system. I believe that the credit scoring system is broken. That's my belief.

People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.

For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk.

The world does not need another credit card.

If you're financially responsible, your children have a much better chance to grow up financially responsible.

Believing you are worthy of love means that you believe I deserve to be treated well - with respect and dignity. I deserve to be cherished and adored by someone. I am worthy of an intimate and fulfilling relationship. I won't settle for less than I deserve. I will do whatever it takes to create that for myself.

The dream of having one's dream job turned into "Oh my God, I'll take any job. I've been out of work for two years now. I don't care what I do. I'll do anything because I don't have any money".