The Less Money You Owe,

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.

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.

Don't Let What Others Think Or Say Get In Your Way; Their Actions Reflect On Them, Not You.

Absolutely Pay Off Your Credit Card Debt, Because A Child Can Always Get A Loan To Go To School, Possibly A Scholarship, A Grant.

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.