Remember that in most cases, student loan debt is not dischargeable in bankruptcy. So you continue to pay it off anyway. Those who have very low interest rates (2-2.5 percent) on student loans and know everything is secure, great.

When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do.

Money is the currency of life because it is the external measurement system that all of us have as to how we judge where we are in our own lives.

The truth is women in the workplace don't have to fight nearly as hard for opportunities, or to dispel stereotypes, as they did before.

If you're financially responsible, your children have a much better chance to grow up financially responsible.

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.

Make this the year you tackle that credit card debt once and for all.