If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.

When you've been battered down and battered down and battered down, your spirit gets broken.

... true financial freedom doesn't depend on how much money you have. Financial freedom is when you have power over your fears and anxieties instead of the other way around.

What's keeping you from being rich? In most cases it's simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal.

Never invest emergency savings in the stock market.

Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.