A wise woman knows how to summon her courage and do what is right, rather than what is easy.

Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.

They got married, they got divorced, and half their money goes out the window.

If you're going down the street and you're going the wrong way, remember - God permits U-turns.

If you have debt I'm willing to bet that general clutter is a problem for you too.

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

If you're financially responsible, your children have a much better chance to grow up financially responsible.

Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain.

I am a big believer that orderliness begets wealth.

Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums.

The way to build your savings is by spending less each month.

I always knew that I would have to make it on my own somehow.

Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think.

Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices.

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

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.

When it comes to tackling your financial goals, whatever they might be, there's no time like the present.

I am a big believer that orderliness begets wealth. 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. When you consciously open, read, and file away your bills and statements, you are connecting with your money and taking control of your life.

Never invest emergency savings in the stock market.

Anything that gets people to think harder about their financial security and take some responsibility is a good thing.

If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

I love the Roth IRA. Tax-free income in retirement is a truly great deal.

No one's ever achieved financial fitness with a January resolution that's abandoned by February.

The world needs another vehicle to get people to pay in cash.

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.

Who would you want to be giving you advice? Somebody who doesn't have any money?

If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

Put your financial life on autopilot as a form of 'forced' saving.

The American dream is dead for the majority of America.

We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.

The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all.

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance.

I think they've been baby bummers.

Learn to recognize true wealth. Money itself will not make you financially free. That comes as a result of only that powerful state of mind which tells us that we are worth far more than our money.

Every time you overhear something hurtful, I want you to do something kind for someone else.

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.

Cut back your spending now.

If you make any trades during the year, keep a record of each transaction for at least three years.

Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation.

Raise your auto and home deductibles to $1,000 or more, and your premium cost falls at least 10 percent.

Never, ever invest money that you will need prior to three to five years - minimum.

When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone.

The middle class has disappeared. We have a highway to poverty and no roads coming out.

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

Private student loans should be avoided at all costs.

Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'

It's easy to underestimate the real cost of home ownership.

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.

It may take you months or even a few years to build up an adequate emergency savings fund. That's okay.