Never Cosign A Loan. Once You Have

But Credit Card Debt Is Unsecured Debt, Which Means If You Get In Trouble And Cannot Pay Off Your Credit Card, You Can Discharge It In Bankruptcy. What Are They Going Do To You? If You're In A Financial Position To Just Methodically Pay Off Both Credit Card And Student Loans, Pay Them All.

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.

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.

Power Comes From Who You Are, Not What You Have, And The Transformation Starts With How You Allow Others To Treat You.

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.