We're in debt, as individuals, because of a lack of services. If Washington lacks the political will to address these issues and kick a little ass, we'll do it ourselves. Our message to Americans is simple: You are not a loan. And you are not alone.

In a hyper-competitive world where everyone strives to be the biggest, boldest and most famous, no one covets Jerome Kerviel record-breaking achieveme...

This isn't a blender you are thinking of buying here -- this is a service that can have a profoundly negative impact to your life and financial health if you make the wrong choice or select the wrong provider.

The earlier students learn about debt, savings, and credit, the less likely they are to struggle with debt in the future and the more likely they will become active and productive participants in the state's economy.

The Biggest Little City in the World is also the most in-debt city in America. Reno, Nev., holds the distinct of having the highest average debt load per person, with the average resident holding $27,320 in non-mortgage debt.

This is not just a government issue; the average American has also taken on an unmanageable level of debt. This addiction to debt contributed to the recession and financial crisis a few years ago, and the fundamental problem has yet to be addressed by the government or most individuals.

As I work with my clients, I often consider what financial independence means for them, especially in terms of making their dream of retirement a reality. This month, I thought I would share my thoughts on the key elements of financial freedom.

Basic attraction principles states that 'like energy attracts like energy'. You've all heard -- 'what you focus on grows.'