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.

Many people are in the dark when it comes to money, and I'm going to turn on the lights.

There isn't a part of our lives that money doesn't touch - it affects our relationships, the way we go about our everyday activities, our ability to make dreams reality, everything.

People first, then money, then things.

When someone chooses to value herself over the things she can buy, true transformation begins.

If your company matches your 401(k) contribution, then no matter what, contribute to your 401(k) first. You put in a dollar, they put in 50 cents. It's an automatic 50 percent return on your money. You can't pass that up. I'd rather have the 50 percent than pay 32 percent interest on a credit card.

Imagine you waking up tomorrow and you can't get a bank account; you can't get a credit union account. Everything has gone away and you're now living in poverty.