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.

True generosity must benefit both parties. No woman can control her destiny if she doesn't give to herself as much as she gives of herself.

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.

It's better to do nothing with your money than something you don't understand.

Abundance is about being rich, with or without money.

If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.

Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.