I answered her spiritually. And that is where Oprah [Winfrey]comes from. She comes from a place of the truth within her. And I think that's why we clicked. And I think that's why we still continue to click.

Women need to turn their attention from saving their spouse, their mothers, their this, their that, their kids, to putting that financial oxygen mask on their face first. When they're solid, they can pick up the whole world.

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.

As our net worth falls, so does our self-worth. Ironically, it's when we don't have it that we most feel we have to flaunt it.

If your company matches your 401(k) contribution, then no matter what, contribute to your 401(k) first. You put in a dollar, they put in 50 cents. It's an automatic 50 percent return on your money. You can't pass that up. I'd rather have the 50 percent than pay 32 percent interest on a credit card.

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.

Who would you want to be giving you advice? Somebody who doesn't have any money?