As our net worth falls, so does our self-worth. Ironically, it's when we don't have it that we most feel we have to flaunt it.

Never, ever invest money that you will need prior to three to five years - minimum.

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.

In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.

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

No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.

I am a big believer that orderliness begets wealth.