People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.

Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?

For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job at Merrill Lynch as an account executive, from where I went to vice president of investments for Prudential-Bache Securities. I started my own firm in 1987.

What I've learned is that the audience is constantly rotating. Just because it feels like I've said it, there are millions and millions of people that have still never heard of it.

I'll eat one cookie, not a whole box of cookies. But I'll still eat the one cookie... sometimes two, or even three. But not the whole box.

Anything that gets people to think harder about their financial security and take some responsibility is a good thing.