people's feelings about themselves change when they change the way they handle their money. Once they begin treating their money with respect, their self-respect shoots up as well.

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

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.

Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.

Opposites may attract, but I wouldn't put my money on a relationship of financial opposites.

You'd better have faith that everything happens for the best. Nothing happens in your life that isn't something that you are meant to learn to get you where you need to go so you can become who you are meant to be. And that meant-to-be might be someone you don't even know exists at this moment in time.