Absolutely pay off your credit card debt, because a child can always get a loan to go to school, possibly a scholarship, a grant.

The truth will always lead you to a better place and a bigger place. And every single setback, every single one, has led me - not in my time, but in the time that it was meant to happen - to a place that I never in a million years could have imagined that I could go or become.

I get more emails and calls when it comes to money than probably any other single person on television when it comes to money.

If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.

If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.

Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.

Owning a home is a keystone of wealth - both financial affluence and emotional security.