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The best advice that I can offer is that being proactive and a careful planner is key. Think about the major things that could shake up your financial life, and I'll bet there are some great ways to protect yourself.

I've lived so frugally for so long. I have to have that financial security or the world feels out of control for me.

Remember, either you control your money or it will control you.

I didn't end up going bankrupt... I made some great investments and I held on to my money, which also enables me to have the freedom to do what I want now. But it's not about finances. No matter what, it's about keeping it real.

Millions of Americans and people around the world, especially young people who face intense financial challenges today, haven't been taught how to take control of their financial future.

Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there.

What we need to do is break the financial community's grip on society.

Stay on top of your finances. Don't leave that up to others.

It's time to start thinking differently about money and debt and start the healing process - and the process toward wealth and freedom. 'Freedom from Bad Debt' can get you started.

You should breathe deeply and chant, 'Money will easily and effortlessly flow into my life' as often as you can every day. Things will start to change after a month. If you believe you will be financially secure, then you are opening yourself up to change.