You are not broke because of the economy. You are broke because you financed a $60,000 truck on a $40,000 salary.

Credit card debt is not normal. The fact that everyone has it does not make it okay. It makes it an epidemic.

An emergency fund is not optional. It is the difference between a bad month and a financial catastrophe.

Stop investing while you have $30,000 in credit card debt at 25% interest. That is not diversification. That is insanity.

The people who come on my show are brave. It takes guts to show the world your financial mess. That is the first step to fixing it.

Every financial problem I see on this show comes down to one thing: spending money you do not have to impress people you do not like.