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

The truth will always lead you to a better place and a bigger place. And every single setback, every single one, has led me - not in my time, but in the time that it was meant to happen - to a place that I never in a million years could have imagined that I could go or become.

The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.

Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.

Remember to remember your power - everything you've learned with these steps to financial freedom - and put it all into practice everyday, because in the grand scheme of life, you'll never really know how things are meant to turn out until they turn out.

I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love.

If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.