Makeover Quotes

We buy things we don't need with money we don't have to impress people we don't like.

Fuck me. I'm so tired of being me. Me beautiful. Me ugly. Blonde. Brunette. A million fucking fashion makeovers that only leave me trapped being me. Who I was before the accident is just a story now. Everything before now, before now, before now, is just a story I carry around. I guess that would apply to anybody in the world. What I need is a new story about who I am. What I need to do is fuck up so bad I can't save myself.

Why worry about minor little details like clean air, clean water, safe ports and the safety net when Jesus is going to give the world an "Extreme Makeover: Planet Edition" right after he finishes putting Satan in his place once and for all?

Percy: I’ll walk down to the cabins and Connor and Travis are stealing stuff from the camp store, and Silena is arguing with Annabeth trying to give her a new makeover, and Clarisse is still sticking the new kids’ head into the toilets. It’s nice that some things never change.

For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don't back down.

Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.

Take care of your costume and your confidence will take care of itself.

Nobody really metamorphoses. Cinderella is always Cinderella, just in a nicer dress. The Ugly Duckling was always a swan, just a smaller version. And I bet the tadpole and the caterpillar still feel the same, even when they're jumping and flying, swimming and floating. Just like I am now.

New hair, new clothes-the classic relationship break-up makeover," Jake said. Delaney stared at him for a beat. In a way, he was right. She was breaking up with Sam. He just didn't know it.

It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.

Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.

You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.

The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.

typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.

A budget is people telling their money where to go instead of wondering where it went.

Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.

All of them had been give a makeover. Leo was wearing pinstriped pants, black leather shoes, a white collarless shirt with suspenders, and his tool belt, Ray-Ban sunglasses, and a porkpie hat. “God, Leo.” Piper tried not to laugh. “I think my dad wore that to his last premiere, minus the tool belt.” “Hey, shut up!” “I think he looks good,” said Coach Hedge. “’Course, I look better.” The satyr was a pastel nightmare. Aphrodite had given him a baggy canary yellow zoot suit with two-tone shoes that fit over his hooves. He had a matching yellow broad-brimmed hat, a rose-colored shirt, a baby blue tie, and a blue carnation in his lapel, which Hedge sniffed and then ate. “Well,” Jason said, “at least your mom overlooked me.” Piper knew that wasn’t exactly true. Looking at him, her heart did a little tap dance. Jason was dressed simply in jeans and a clean purple T-shirt, like he’d worn at the Grand Canyon. He had new track shoes on, and his hair was newly trimmed. His eyes were the same color as the sky. Aphrodite’s message was clear: This one needs no improvement. And Piper agreed.

Fans don’t mind him doing a little touch-up work, but Jesus wants complete renovation. Fans come to Jesus thinking tune-up, but Jesus is thinking overhaul. Fans think a little makeup is fine, but Jesus is thinking makeover. Fans think a little decorating is required, but Jesus wants a complete remodel. Fans want Jesus to inspire them, but Jesus wants to interfere with their lives.

Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.

Savings without a mission is garbage. Your money needs to work for you, not lie around you.

I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.

Fuck me. I'm so tired of being me. Me beautiful. Me ugly. Blonde. Brunette. A million fucking fashion makeovers that only leave me trapped being me.

Not even one of the Emperor’s fists and gestures could give Harrowhark Nonagesimus a sexy makeover. Sometimes I think you look like a twig’s funeral.

Alice was scrutinizing my boring jeans-and-a-T-shirt outfit in a way that made me self-conscious. Probably plotting another makeover. I sighed. My indifferent attitude to fashion was a constant thorn in her side. If I'd allow it, she'd love to dress me everyday―perhaps several times a day―like some oversized three-dimensional paper doll.

personality makeover. Or maybe not. The more I think about it, the more this sounds like the plots of Ratatouille and Mulan combined.

Sorry,” I said, realizing I was taking my frustrations out on her. “I’m still getting over Soph,” I said, referring to my old prep school friend. Sophie Price was the most beautiful girl you’d ever met. Seriously. Take it from someone who’s met Bar Refaeli in person. Soph was even more stunning. Especially since she’d had a personality makeover. I’d never regret anything as much as I would not making her fall in love with me. “You can’t make anyone fall, Spence. Either they do or they don’t.” “I said that out loud?” “Duh and it’s been two years, Spencer. You seriously need to get over her. She’s with that Ian guy anyway, right?” “Right.” “That hot South African guy named Ian,” she concluded. “Thanks.” “That hot saffy named Ian who gives his life to mutilated Ugandan orphans and worships the ground Sophie walks on.” I stopped and glared at her. “That’ll do, Bridge.

Years ago, in a motivational seminar by the master, Zig Ziglar, I heard a story about how mediocrity will sneak up on you. The story goes that if you drop a frog into boiling water, he will sense the pain and immediately jump out. However, if you put a frog in room-temperature water, he will swim around happily, and as you gradually turn the water up to boiling, the frog will not sense the change. The frog is lured to his death by gradual change. We can lose our health, our fitness, and our wealth gradually, one day at a time. It might be a cliché, but that’s because it is true: The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.

You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.

With right fashion, every female would be a flame.

Most people won’t change until the pain of where they are exceeds the pain of change.

A makeover is the rebranding of a human being.

So that’ll be a yes. A huge fucking yes to the extreme makeover, Krueger edition.

Shoot for the biggest and boldest impact possible. If you need a full corporate makeover—do it. Moderation is just not going to cut it.

Jealousy is the ugliest stepsister. Like Cinderella's ugly stepsisters whose jealousy of Cinderella caused their family's demise, a woman who is jealous of the success of their sister, sister-in-law or friend is showing their ugly insecure, low-self-esteem side. Get over it, get a makeover, and focus on developing yourself so you're happy with who you are rather than who they are. - Strong by Kailin Gow

What’s your favorite part about summers at Camp Half-Blood? Percy: Seeing my friends, for sure. It’s so cool to come back to camp after a year in school. It’s like coming home. The first day of summer, I’ll walk down to the cabins and Connor and Travis are stealing stuff from the camp store, and Silena is arguing with Annabeth trying to give her a makeover, and Clarisse is still sticking the new kids’ heads into the toilets. It’s nice that some things never change.

Fashion doesn't make you perfect, but it makes you pretty.

It's time to shop high heels if your fiance kisses you on the forehead.

Eva burst out laughing, remembering the complete wardrobe makeover she'd had to perform on Alexei after she opened his closet and found some of the busiest open-collared, polyester dress shirts known to man.

If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you've made to this point.

Puberty: the ultimate makeover.

Places are supposed to look smaller when you go back to them, but my road just looked schizoid. A couple of the houses had had nifty little makeovers involving double glazing and amusing faux-antique pastel paint; most of them hadn't. Number 16 looked like it was on its last legs: the roof was in tatters, there was a pile of bricks and a dead wheelbarrow by the front steps, and at some point in the last twenty years someone had set the door on fire. In Number 8, a window on the first floor was lit up, gold and cozy and dangerous as hell.

Little Cinder Girl, they can't understand you. You rise from the as-heap in a blaze and only then do they recognize you as their one true love. While you pray beneath your mother's tree you carrve a phoenix into your palm wth aa hazel twig and coal; every night she devours more of you. You used to believe in angels. Now you believe in the makeover; if you can't get the grime off your face and your foot into a size six heel who will ever bother to notice you? The kettle and the broom sear in your grasp, snap into fragments. The turtledoves sing, "There's blood within the shoe." You deserve the palace, you think, as you signal the pigeons to attack, approve the barrel filled with red-hot nails. Its great hearth beckons, and the prince's flag rises crimson in the angry sun. He will love you for the heat you generate, for the flames you ignite around you, though he encase your tiny feet in glass to keep them from scorching the ground.

IF YOU WILL LIVE LIKE NO ONE ELSE, LATER YOU CAN LIVE LIKE NO ONE ELSE. This is the motto of your Total Money Makeover. It’s my way of reminding you that if you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live.

A good man leaves an inheritance to his children’s children” (Prov. 13:22 NKJV). I

Albert Einstein said, “Great spirits have often encountered violent opposition from weak minds.

Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card. We

Through our struggles and pain, we are being offered perseverance, the character of God. Hardships are intended to give us a spiritual makeover, "that we may share in his holiness" (Heb. 12:10). Therefore, when God encourages us to persevere, he is not stumbling for encouraging words. He is teaching us how to look like him.

Sheets of flowing raven-black hair...all wrapped up in that saccharin sweetness you only find in church-ladies and Girl Scout moms. It was enough to make a girl sprint to the nearest shopping mall for a free makeover.

What if your husband’s faults are God’s tools to shape you? What if the very thing that most bugs you about your man constitutes God’s plan to teach you something new? Are you willing to accept that your marriage makeover — the process of moving a man — might begin with you?

We are scaling down” is a painful statement to make to friends or family.

Set backs are bumps in the road, they are not the end of the roads.

Any girl with a grin never looks grim.

Only if you mix knowledge with attitude, character, perseverance, vision, diligence, and extreme levels of work will your college degree produce for you.

Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.

The mantra of the makeover junkie, sucking it in, letting it out; unwilling to settle for genetic fate; waiting instead for her transformation...

The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.

This makeover would make piercings and tattoos and brandings look so lame, all those little fashion revolts so safe that they themselves only become fashionable. Those little paper tiger attempts to reject looking good that only end up reinforcing it.

Rayna found a makeover show on TV-one of those where they sneak up on unsuspecting people going about their business, accost them with camera, and tell them they look like crap in front of a zillion people, making them cry, then build them back up with a new makeup job they won't be able to replicate and outfits so intricate they'll never remember how to fit them together. It was perfect.

one reason to have a Total Money Makeover is to build wealth that allows you to have fun. So have some fun! Taking your family, even the extended ones, on a seven-day cruise, buying large diamonds, or even buying a new car are things you can afford to do when you have millions of dollars. You can afford to do these things because when you do them, your money position is hardly even affected. If you like travel, travel. If you like clothes, buy some. I am releasing you to have some fun with your money, because money is to be enjoyed. That guilt-free enjoyment is one of the three reasons to have a Total Money Makeover.

The reality is that Murphy doesn’t visit as much, but when he does, we hardly notice his presence. When Sharon and I were broke, our heating-and-air system quit, and the repair cost $580. It was a huge, hairy deal. Recently I had a new $570 water heater installed because the old one started leaking, and I hardly noticed. I wonder if the stress relief that your Total Money Makeover provides will allow you to live longer?

What you believe can change your experience.

This is a book about winning,

A man with an experience is not at the mercy of a man with an opinion.

Dresses don't look beautiful on hangers.

Financial Peace Jr.

You cannot choose your face but you can choose your dress.

We enjoy earning interest now, rather than paying it.

In

Proverbs 22:7: “The rich rule over the poor, and the borrower is slave to the lender

15 percent of success could be attributed to training and education, while 85 percent was attributed to attitude, perseverance, diligence, and vision.

When we are in alignment with what we truly believe, we can stand firm and tall and tell it like it is. This healthy kind of anger sets boundaries, holding others responsible for their actions. You teach people how to treat you through setting all sorts of boundaries or not setting them! Healthy anger can be like a burning sword that cuts through illusions and delusions about a bad situation. The energy of healthy anger can point the way to positive change but even more so when you speak in a calm, firm way. Stop and think how you are training people to treat you. The secret of boundary setting is centering yourself, breathing deeply and connecting with your truth to align yourself with higher principles, letting them speak through you. - The Quick Anger Makeover and Other Cutting-Edge Techniques to Release Anger!

If you keep a $495 car payment throughout your life, which is “normal,” you miss the opportunity to save that money. If you invested $495 per month from age twenty-five to age sixty-five, a normal working lifetime, in the average mutual fund averaging 12 percent (the eighty-year stock market average), you would have $5,881,799.14 at age sixty-five. Hope you like the car!

That’s awesome, I told her, but I’m letting you use my body so that we can break into Lara’s office, not so that you can give me a makeover. Besides, if I wander around looking like this, people will either know I’m doing magic somehow or wonder how I managed to sneak a flatiron into Hex Hall. It was an odd thing, watching my face crumple into a scowl at…myself. “You’re supremely irritating when you’re right,” she said, waving her hand. Once again, my hair sprang out in a messy halo of curls.

One thing I am sure of in my Total Money Makeover: I had to quit telling myself that I had innate discipline and fabulous natural self-control. That is a lie. I have to put systems and programs in place that make me do smart things. Saying, “Cross my fingers and hope to die, I promise, promise, promise I will pay extra on my mortgage because I am the one human on the planet who has that kind of discipline,” is kidding yourself. A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak. Sick

How embarrassing. Give me needy emotional whining bullshit. Flash. Give me self-absorbed egocentric twaddle. Christ. Fuck me, I'm so tired of being me. Me beautiful. Me ugly, Blonde. Brunette. A million fucking fashion makeovers that only that only leave me trapped being me. Who I was before the accident is just a story now. Everything before now, before now, before now, is just a story I carry around. I guess that would apply to anybody in the world. what i need is a new story about who I am. what I need to do is to fuck up so bad I can't save myself.

The grassy park was lined with dozens of kissing booths. Twinkle lights draped back-and-forth between tall trees, making a canopy of stars above the red and pink tables below. People were lined up at each booth, applying lipstick and perfume as they readied for their purchased kisses. Behind the booths stood a large white gazebo housing a group of musicians. As a love song filled the air, couples intertwined their bodies and swayed to the melody. Here and there, children ran about wearing red hats and eating lip-shaped chocolates, while women waited impatiently for quickie makeovers under a flashy pink tent. The park was littered with couples kissing behind trees and making out on park benches. And paper stars were everywhere; in trees, on the ground, above heads, inside mouths…. It was like Valentine’s Day. On crack.

To avoid criticism say nothing, do nothing, and be nothing.

Dresses won't worn out in the wardrobe, but that is not what dresses are designed for.

I took a deep breath, opened my eyes, and looked at myself for the first time in a long time. Only, I did not cast a judgmental glare upon myself. I looked with love and acceptance.

Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card.

Saving for a down payment or cash purchase of a home should occur after becoming debt-free in Step Two and after finishing the emergency fund in Step Three. That makes saving for a down payment Baby Step Three (b). You should save for the home if you have the itch before moving on to the next step. Many people are worried about getting a home, but please let it be a blessing rather than a curse. It will be a curse if you buy something while you are still broke. There are all sorts of folks who are eager to “work with you” so you can make it happen sooner, but the definition of “Creative Financing” is “Too Broke to Buy a House.

there is no virtue in doing something for someone else when it’s something you also want to do. That’s merely being helpful, but it’s hardly commendable. The real virtue is in doing something you don’t want to do, but doing it because someone else wants it.

If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.

Bram knocked, and Chas opened the door, her music growing louder. She had strips of tinfoil in her hair and a cigarette dangling from her lips–which she immediately hid behind her back when she saw Bram.   "Hiiii!"   Both of Bram's brows flitted upward. "Hi." He looked at the foil. "I'm not even gonna ask."   "Martians are trying to control my thoughts, stupid." She noticed me then and smiled. "Hi, Nora! Ooh…" Her eyes fell to the weapon. "Shiny."   "Nora needs some more appropriate clothes if she's to use the shiny," Bram said.   Chas clapped her hands together. "Makeover!"   Oh, God no.…

If an opportunity is not aligned with that matters most to you (your core values), let it pass. The opportunities that don't make your soul sing, or that you can't be excited about, just end up taking space where a better opportunity could be. Don't settle for something fine―wait for something great!

The fact is, most people in our nation today believe that debt is NORMAL, and in most cases, NECESSARY. They can’t imagine living a cash-and-carry life or a life in which all things they own are purchased outright with cash at the time of purchase— in other words, with no payment plan or use of credit cards.

But sometimes I think what the church needs most is to recover some of its weird. There’s no sense in sending her through the makeover montage of the chick flick when she’ll always be the strange, awkward girl who only gets invited to prom on a dare. In the ritual of baptism, our ancestors acted out the bizarre truth of the Christian identity: We are people who stand totally exposed before evil and death and declare them powerless against love. There’s nothing normal about that.

How long did it take for you to ‘embrace yourself’?” Ky asked. “I was five years old at least.” “That long, huh?” he said, lips quirked. Noah adopted the fake innocent look he seemed to favor. “What?” he said. “Kindergarten was a pivotal year for me.” Hunh.

My kids, you, and I can have good things happen as a result of our Total Money Makeover only if we have the spiritual character to recognize that wealth is not the answer to life’s questions. We further must recognize that while wealth is very fun, it comes with great responsibility. Another paradox is that wealth will make you more of what you are. Let that one soak in for a minute. If you are a jerk and you become wealthy, you will be king of the jerks. If you are generous and you become wealthy, you will be most generous. If you are kind, wealth will allow you to show kindness in immeasurable ways. If you feel guilty, wealth will ensure that you feel guilty for the rest of your life.

The very best way to make a change toward getting the life you want is by putting yourself into physical action. Believe it or not, every goal that you have for your life begins in your body. Exercise and physical movement have a way of reorganizing your cells.

I have heard it said that if you tell a lie often enough, loudly enough, and long enough, the myth will become accepted as a fact. Repetition, volume, and longevity will twist and turn a myth, or a lie, into a commonly accepted way of doing things. Entire populations have been lulled into the approval of ghastly deeds and even participation in them by gradually moving from the truth to a lie. Throughout history, twisted logic, rationalization, and incremental changes have allowed normally intelligent people to be party to ridiculous things. Propaganda, in particular, has played a big part in allowing these things to happen.

Being the highly trained investment mogul that I am, I could certainly find places to put that money where it would earn more. Or would it? Remember, personal finance is personal. I have come to realize that Sharon’s peace of mind bought with the oversized emergency fund is a great return on investment. Guys, this can be a wonderful gift to your wife. An Emergency Fund Can

We have discussed the new-car purchase in its various forms for the last several pages. No, you can’t afford a new car unless you are a millionaire and can, therefore, afford to lose thousands of dollars, all in the name of the neat new-car smell. A good used car that is less than three years old is as reliable or more reliable than a new car. A new $28,000 car will lose about $17,000 of value in the first four years you own it. That is almost $100 per week in lost value. To understand what I’m talking about, open your window on your way to work once a week and throw out a $100 bill.

I'd been so tired of 'strong female characters' for so long by then. I was so tired of the way female strength was made to look cold and humorless; the way it was characterized as deviant and 'unnatural' and always lonely and exceptional. I was tired of the grim undertone of tragedy that lurked under its surface. 'Strong female characters' were never funny, and they never had any fun, either. More often than not, they were celibate, friendless, and clinically depressed. Their monomaniacal devotion to crime fighting made them lean, cranky, and impatient. Naturally, they had axes to grind: they were avenging brides, poker-faced assassins, gloomy ninjas with commitment issues. Who were these characters? What were they trying to tell us? Why didn't they ever say goodbye before hanging up the phone? And why were they always being reborn or remade as killing machines after losing everything they held dear? ...I don't want to see another symbolic woman start all over again. I want to see the symbolic world change to acknowledge her existence. I don't want to see a young girl get a makeover or go shopping with her boyfriend's credit card. I want to watch her blow up the Death Star - metaphorically, of course.

Purchase Price $250,000 Down Payment $ 25,000 Mortgage Amount $225,000 At 7% Interest Rate 30 Years $1,349 $485,636 15 Years $1,899 $341,762 Difference $550 $143,874 Five hundred fifty dollars more per month, and you will save almost $150,000 and fifteen years of bondage. The really interesting thing I have observed is that fifteen-year mortgages always pay off in fifteen years. Again, part of a Total Money Makeover is putting in place systems that automate smart moves, which is what a fifteen-year mortgage is. Thirty-year mortgages are for people who enjoy slavery so much they want to extend it for fifteen more years and pay thousands of dollars more for the privilege. If you must take out a mortgage, pretend only fifteen-year mortgages exist. If you have a great interest rate, it is not necessary to refinance to pay a mortgage off in fifteen years or earlier. Simply make payments as if you have a fifteen-year mortgage, and your mortgage will pay off in fifteen years. If you want to pay any mortgage off in twelve years or any number you want, visit my website or get a calculator and calculate the proper payment at your interest rate on your balance for a twelve-year mortgage (or the number you want). Once you have that payment amount, add to your monthly mortgage payment the difference between the new principal and interest payment and your current principal and interest payment, and you will pay off your home in twelve years.

When we participate in what the crowd identifies as normal, even if it is stupid, we gain acceptance into the club. Sometimes we don't even realize what we are doing is stupid because we have been taught that it's just "the way you do it", and so we never ask why. As we participate in the myth, we learn to spout the principles of the myth. After the years go by and we have invested more money and time into the myth, we become great disciples and can preach the points of the myth with great fervor and volume. We become such experts on the myth that we can sell others on joining the lie. I once joined the lie, but no more.

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

Here’s a Reader’s Digest version of my approach. I select mutual funds that have had a good track record of winning for more than five years, preferably for more than ten years. I don’t look at their one-year or three-year track records because I think long term. I spread my retirement, investing evenly across four types of funds. Growth and Income funds get 25 percent of my investment. (They are sometimes called Large Cap or Blue Chip funds.) Growth funds get 25 percent of my investment. (They are sometimes called Mid Cap or Equity funds; an S&P Index fund would also qualify.) International funds get 25 percent of my investment. (They are sometimes called Foreign or Overseas funds.) Aggressive Growth funds get the last 25 percent of my investment. (They are sometimes called Small Cap or Emerging Market funds.) For a full discussion of what mutual funds are and why I use this mix, go to daveramsey.com and visit MyTotalMoneyMakeover.com. The invested 15 percent of your income should take advantage of all the matching and tax advantages available to you. Again, our purpose here is not to teach the detailed differences in every retirement plan out there (see my other materials for that), but let me give you some guidelines on where to invest first. Always start where you have a match. When your company will give you free money, take it. If your 401(k) matches the first 3 percent, the 3 percent you put in will be the first 3 percent of your 15 percent invested. If you don’t have a match, or after you have invested through the match, you should next fund Roth IRAs. The Roth IRA will allow you to invest up to $5,000 per year, per person. There are some limitations as to income and situation, but most people can invest in a Roth IRA. The Roth grows tax-FREE. If you invest $3,000 per year from age thirty-five to age sixty-five, and your mutual funds average 12 percent, you will have $873,000 tax-FREE at age sixty-five. You have invested only $90,000 (30 years x 3,000); the rest is growth, and you pay no taxes. The Roth IRA is a very important tool in virtually anyone’s Total Money Makeover. Start with any match you can get, and then fully fund Roth IRAs. Be sure the total you are putting in is 15 percent of your total household gross income. If not, go back to 401(k)s, 403(b)s, 457s, or SEPPs (for the self-employed), and invest enough so that the total invested is 15 percent of your gross annual pay. Example: Household Income $81,000 Husband $45,000 Wife $36,000 Husband’s 401(k) matches first 3%. 3% of 45,000 ($1,350) goes into the 401(k). Two Roth IRAs are next, totaling $10,000. The goal is 15% of 81,000, which is $12,150. You have $11,350 going in. So you bump the husband’s 401(k) to 5%, making the total invested $12,250.

Here’s the deal. When you get married, you become a team. The pastor at your wedding wasn’t joking when he said, “And now you are one.” It’s called unity. The old marriage vows say, “Unto thee I pledge all my worldly goods.” In other words, “I’m all in,” so combine the checking accounts. It’s hard to have unity when you separate your bank accounts. When his money is over here, and her money is over there, it’s easy to live in your own little financial world instead of working as a team. When you do your spending together, it’s about “our” money. We have an income and we have expenses and we have goals. So when you’re both in agreement on where the money is going, then you’ve taken a major step to being on the same page in your marriage, and you will create awesome levels of communication. This all boils down to trust. Do you trust your spouse or not? I’ve heard from people who keep separate bank accounts just in case their spouse leaves them. Well, why on earth would you marry someone you can’t trust? And if that’s really the case, then you need marriage counseling, not separate bank accounts! Your spouse isn’t your roommate, and this isn’t a joint business venture. It’s a marriage! You don’t run your household and your life separately. Your job is to love each other well, and that includes having shared financial goals—which is hard to do when you have separate accounts.

Having seen several hundred lease agreements entered into by people I have counseled, my financial calculator confirms that the average interest rate is 14 percent. Shouldn’t you lease or rent things that go down in value? Not necessarily, and the math doesn’t work on a car, for sure. Follow me through this example: If you rent (lease) a car with a value of $22,000 for three years, and when you turn it in at the end of that three-year lease the car is worth $10,000, someone has to cover the $12,000 loss. You’re not stupid, so you know that General Motors, Ford, or any of the other auto giants aren’t going to put together a plan to lose money. Your fleece/lease payment is designed to cover the loss in value ($12,000 spread over 36 months is equal to $333 per month), plus provide profit (the interest you pay). Where did you get a deal in that? You didn’t! On top of that, there is the charge of 10 to 17 cents per mile for going over the allotted miles and the penalties everyone turning in a lease has experienced for “excessive wear and tear,” which takes into account every little nick, dent, carpet tear, smudge, or smell. You end up writing a large check just to walk away after renting your car. The whole idea of the back-end penalties is twofold: to get you to fleece/lease another one so you can painlessly roll the gotchas into the new lease, and to make sure the car company makes money.