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.

But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.

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.

If you have a 50 percent match and you get in trouble financially, you can either withdraw money as a loan, or withdraw the 50 percent match. If you take it out, you have to pay taxes on it, but you still come out ahead.

Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals.

Thoughtful financial planning can easily take a backseat to daily life.

When it comes to tackling your financial goals, whatever they might be, there's no time like the present.