The first tenet is an emergency fund. Even before you save for retirement that needs to be put in place.

The economy has changed. We're going to be facing more volatility in the job arena. That can wipe you out in a heartbeat.

You've got to get that money off the table and put it toward other goals.

I like to call it paying yourself first. It means putting yourself as a priority.

The key to keep in mind with IRAs is you're taking a long-term horizon. You've got to go in thinking there's going to be ups and there's going to be downs.

It's difficult to make any financial decision when you're dealing with goals that are not quantified.

It really changes your entire perspective when you go through an inheritance.

There's a reason why houses don't sell. (You need to) reevaluate what you're selling.

You still have to fuel the fire through saving. You have to keep contributing to your IRA.

Back in the 1990s, we had an anomaly. It's not going to happen again.