Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.

To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell.

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.

Find $50 a month for savings. No excuses!

Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?

I've learned from her [ Oprah Winfrey] really how to stand in one's truth, how if you just simply are who you are, you know, you're heavy, you're thin, you're happy, you're sad - if you just speak your truth as it comes into your mind, then that's what people relate to.

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.