The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.

Money is a living entity, and it responds to energy exactly the same way you do. It is drawn to those who welcome it, those who respect it. Wouldn't you rather be with people who respect you and who don't want you to be something you're not? Your money feels the same way.

It pays to be a fee fiend.

If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself.

Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.

Be as good to yourself as you are to those you love.

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