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 look around and there are needs that people have. Places have needs. These times have needs, and I have the education and the ability to communicate with it and help to solve those needs.

If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.

It's better to do nothing with your money than something you don't understand.

No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.

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.

When you can be happy in your sadness as you are in your happiness. Then you know the key to life.