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.

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

Never, ever invest money that you will need prior to three to five years - minimum.

To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell.

In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm.