Many people are dreaming. Let me rent. Let me have a job. Let me work until I'm 70. That's not what the American Dream used to be. It used to be, let me own a home. Let me retire at 59 and a half or 65 at the latest. Let me do this. And now, really, given what's happened, good luck with anything happening unless you do it yourself.

The world needs another vehicle to get people to pay in cash.

I am a big believer that orderliness begets wealth.

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

You must remember the value that you add to others and not just what others have added to you. That's how we build self-worth, which, in my opinion, is just as important as net worth.

Nothing's greater in life to see somebody who doesn't have start to value who they are and, as soon as they feel valued, they can change this world too.

If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.