I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance.

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

I am a big believer that orderliness begets wealth.

Make this the year you tackle that credit card debt once and for all.

People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.

If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.

Money will respond to you just like people do.