Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters.
The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.
Money is kind of just like air - if you don't have air, you can't breathe. If you don't have money, I don't think you'll want to breathe - you won't want to live.
I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money.