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

"If you're not staying on top of your money, you are putting your financial well-being at risk."

"The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare."

"The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases."

"To dream is to realize that joy is found not in possessing, but in appreciating."

"Find a place inside where there's joy, and the joy will burn out the pain."

"Most folks are as happy as they make up their minds to be."

"A humble soul understands that the purest joy is found in giving without expectation."