Money is the only thing you can use even if you don't have any. ... There's always a credit card.

I am a big believer that orderliness begets wealth.

The mind gives us thousands of ways to say no, but there's only one way to say yes, and that's from the heart.

Imagine you waking up tomorrow and you can't get a bank account; you can't get a credit union account. Everything has gone away and you're now living in poverty.

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.

When someone chooses to value herself over the things she can buy, true transformation begins.

If you're going to live in the house make it your goal to just pay off your mortgage.