So many financial dreams are thwarted by the failure to act upon good intentions.

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.

Once you stop looking for a job, you are no longer considered part of the unemployment number.

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

I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded.

Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.

I'm probably the only bestselling author you know who's written more books than she's read.