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

Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand.

The truth is women in the workplace don't have to fight nearly as hard for opportunities, or to dispel stereotypes, as they did before.

What happens to your money directly affects the quality of your life -- not your stockbroker's life or your banker's life, but YOUR life.

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.

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.

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.

A reverse mortgage is available to anyone who is at least 62 years old and owns a home outright, or has a small mortgage balance remaining.

True generosity must benefit both parties. No woman can control her destiny if she doesn't give to herself as much as she gives of herself.

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.

Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love.

Money is the currency of life because it is the external measurement system that all of us have as to how we judge where we are in our own lives.

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.

You will never be powerful in life until you are powerful over your own money. How you think about it, how you feel about it and how you invest it.

How you end something as profound and important as a marriage is a reflection of how you live your life--financially, emotionally, and spiritually.

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.

Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours.

I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat.

If the relationship between you and your money is harmonious, regardless of how much you have, your financial transactions will be harmonious as well.

When it comes to money, if you have it, you may feel that you don't deserve it—guilt. If you don't have it, you may feel that you should have it—guilt.

Nothing's greater in life to see somebody who doesn't have start to value who they are and, as soon as they feel valued, they can change this world too.

Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals.

You can never solve a financial problem with money. The only way for you to have a larger net worth is for you to go within to see why you are going without.

The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.

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.

You must trust yourself more than you trust others. Pay attention to your inner voice - it will tell you if how and in what you are investing is right for you.

Choosing wealth as a goal requires facing everything about your money bravely, honestly, with courage -- which is a very, very hard thing for most of us to do.

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.

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.

Imagine you waking up tomorrow and you can't get a bank account; you can't get a credit union account. Everything has gone away and you're now living in poverty.

Money is kind of just like air - if you don't have air, you can't breathe. If you don't have money, I don't think you'll want to breathe - you won't want to live.

I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart the value of money to your children.

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.

When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.

I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love.

I think Oprah's [winfrey] learned from me that it's OK to be harsh on people because in one's harshness you can see transformation happen right before your very eyes.

True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share.

I am a financial planner, not a psychiatrist, but I do know that your net worth will rise to meet your self-worth only if your self-worth rises to accept what can be yours.

If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62.

... true financial freedom doesn't depend on how much money you have. Financial freedom is when you have power over your fears and anxieties instead of the other way around.

We each focus on what we're going to buy, but that's an incorrect focus. Focus instead on why you want to spend the money on this or that. What feeling in you does it satisfy?

I don't care how far we've come with "women's liberation," with all these things. In a man's mind, he still needs to be the support of his family. He needs to hold up the world.

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.

What I've learned is that the audience is constantly rotating. Just because it feels like I've said it, there are millions and millions of people that have still never heard of it.

people's feelings about themselves change when they change the way they handle their money. Once they begin treating their money with respect, their self-respect shoots up as well.

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.

There isn't a part of our lives that money doesn't touch - it affects our relationships, the way we go about our everyday activities, our ability to make dreams reality, everything.

You must remember the value that you add to others and not just what others have added to you. That's how we build self-worth, which, in my opinion, is just as important as net worth.

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.

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.

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