Focus On What You Have.

We Never Had It As Rough As The Kids Have It Today. Look At The Price Of A Gallon Of Gas Or A Piece Of Real Estate Or A College Education.

Absolutely Pay Off Your Credit Card Debt, Because A Child Can Always Get A Loan To Go To School, Possibly A Scholarship, A Grant.

Consider A 15- Or 20-year Fixed-rate Mortgage Instead Of A 30-year, If You Can Afford The Monthly Payments - They May Not Be As High As You Think.

If You're Saving For The Long Run, It's Actually A Good Thing When The Market Is Down Because The More Shares You Have, The More You Can Potentially Make When Markets Rise. And Over Time - Decades, Not Months - The Markets Rise More Than They Fall.

You Must Remember The Value That You Add To Others And Not Just What Others Have Added To You. That's How We Build Self-worth, Which, In My Opinion, Is Just As Important As Net Worth.