You can have all the money in the world. You can be a multi-billionaire, but if you do not have your health it means nothing. Your health is the No. 1 important thing in your life.

The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

Women need to turn their attention from saving their spouse, their mothers, their this, their that, their kids, to putting that financial oxygen mask on their face first. When they're solid, they can pick up the whole world.

When you are starting out in your 20s, it is natural to think about all that you will have and do once you start making money, and making more money. That gives money way too much power over your life. It's not about how much you make, but the life that you make with the money you have.

Stop buying things you don't need, to impress people you don't even like.

If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.

People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.