Writing is hard work, not magic. It begins with deciding why you are writing and whom you are writing for. What is your intent? What do you want the reader to get out of it? What do you want to get out of it. It's also about making a serious time commitment and getting the project done.

America has a broken spirit, that the people that are saying, "Please help me, please let me keep my home, please let me keep my car, please recognize me as a vital human being," they are falling on deaf ears.

I believe in God big time and I'm proud to say I believe in God.

I'd rather make 50 percent of something than 100 percent of nothing.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

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.

Put your financial life on autopilot as a form of 'forced' saving.