Every time you overhear something hurtful, I want you to do something kind for someone else.
Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters.
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.
Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?
Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.
I get mad when people give me presents. I don't want them, I don't need them.
It's fine to seek professional help, but I urge everyone - no matter how big their portfolio - to truly understand every suggestion they're given before acting.
Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account.
There is no law saying you have to die before your assets can be passed to loved ones. In fact, gifting earlier can be a lovely way to witness how your money helps your family thrive.
The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.
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.
I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.
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.
I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care.
Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.
Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.
When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do.
If you have debt I'm willing to bet that general clutter is a problem for you too.
In order to create lasting security you must learn to stand in your truth.
I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.
