If you'd asked me a few years ago about debt settlement companies, I probably would have told you to avoid them.

Buy experiences, not things. Spending on experiences makes people happier than spending on things. Things get broken and go out of style. Experiences get better every time you talk about them.

You can have a do-over starting today. But you have to get over the feeling that it's too late

It's not about having it all. It's about having what you value most.

You'll get much better results by being upfront, answering creditors calls, and responding to their letters. Delaying the inevitable only digs a deeper hole.

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later.

A little personality goes a long way.

Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.

One thing I want to make clear: You never want to hide from your debts. It doesn't work.

The interest rate you receive, however, is contingent on your credit score.

Rolling all of your debts into a single loan is a good idea - in theory. In fact, it can be a great idea.

Growing up is losing some illusions, in order to acquire others.

Engagement provides opportunities to demonstrate how confrontation can be done both effectively and civilly

For very few persons are concerned about the way that leads to heaven, but all are anxious to know, before the time, what passes there.

I can't think of a single downside to motherhood now.

This is probably one of the most difficult challenges any parent could face - learning to love the other parent enough to make the children first.

A lunch date is more fun than a dinner date; you're not tired. It's a secret that not a lot of other parents told me about.

You can't, in sound morals, condemn a man for taking care of his own integrity. It is his clear duty.

I didn't come to play. I came to win.

When you trace a particle back to its origins, you find that it's nothing but pure energy. All of us come from this energy field.