For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk.

I don't care how far we've come with "women's liberation," with all these things. In a man's mind, he still needs to be the support of his family. He needs to hold up the world.

Don't let what others think or say get in your way; their actions reflect on them, not you.

Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.

Although money alone won't make us happy, the lack of money surely will make us miserable.

You must remember the value that you add to others and not just what others have added to you. That's how we build self-worth, which, in my opinion, is just as important as net worth.

The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.