Stop saying yes out of fear about what others will think about you and say NO out of love for yourself!

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.

Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.

A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more.

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.

You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.

Messages about money are passed down from generation to generation, worn and chipped like the family dishes.