Suze Orman

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Suze says her last point is probably the most important on her list—stop spending more than you can afford. "The goal here is very simple. Wouldn't you rather live a life where you feel free, easy, you don't have to worry? Where you value who you are more than what you have? Where you value the quality of your life?" she says.

"If you can just now only spend money on things that are necessities rather than things that are desires or things that are wants, all of us, we have a lot of time in our lives to do that again—now is not the time. Now, I'm asking you to value who you are. To define who you are by just your personality, by your actions—more than what you have."