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.

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

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.

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.

Never invest emergency savings in the stock market.

Women are fighters. They will fight and fight and fight to get what they need, especially if they have children.