You can't build a future if you do not know who you are. You can't become who you are meant to be if you can't tell the truth about who you are, what you have, and everything about your life. The truth is the absolute essence to your success, while lies are the absolute essence to your failures.

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

If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.

You're thinking to yourself, 'How is it possible that I am going to pay back $150,000 in student loans? I'm never going to pay that back. What am I going to do?' Listen to me and listen to me good, class of 2013. I want you to think back to all of these things you said to yourself, 'I can't do that. I can't palpate a cow. And what's worse, palpating a cow or taking semen from a horse?' But you did it, didn't you?

We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.

A great teacher once taught me that you've got to have faith that everything happens for the best. I have had many setbacks in my career and every setback has led me that much further into my truth.