It’s well over two years since Twitter launched, and in that time the service has been adopted by more than two million users. Which is odd, really, since virtually no-one I speak with outside of the technology and blogging community has even heard of Twitter, or if they have they simply can’t understand what purpose it serves.

Twitter is one of the first and certainly the largest of what are known as “micro-blogging” or “micro-content” services. The premise of Twitter is extremely simple: in 140 characters or fewer, tell the world what you are doing right now. Not the world, in fact, but rather the people who choose to “follow” you on Twitter. If they do so, they receive updates (”tweets”), either on their cellphone or their computer, as you update your status. In theory the 140 characters constrain you to saying what’s really important and relevant, but in practice it’s often used for the boring, the trivial and the tragic.

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I am not a group person, not easily swayed, not a ra-ra person, so it might be hard to imagine me singing to Whitney Houston with 1,500 other people and loving it. I had just completed The Millionaire Mind Intensive 3-day seminar, developed by bestselling author and multi-millionaire T. Harv Eker. Danielle and I did it with our husbands and we still occasionally stand up and yell, “I am an excellent money manager!” It was cheesy, T. Harv is cheesy, and by the end of the weekend most women had a crush on T. Harv.

I created my own definition of Financial Freedom: to be  making money while I sleep, to be creative, to be gracious and generous, to have lots of free time and make a difference. This three day workshop was free! (They make their money by inspiring you to sign up for more courses.)   The message is powerful and I highly recommend it.

Top 10 things I learned:

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Personally, I’ve always wanted to get rich quick. I’ve also wanted a Supreme Being to part the clouds and tell me exactly what to do in certain situations. Neither has happened. I could keep hoping.

Or I could take a few pointers from one on the web’s best money men, J.D. Roth. His Get Rich Slowly blog was recently named “the most inspiring money blog,” by Money Magazine. And us.

Before we got started with our inspired interview, we had to get a very important detail out of the way: “J.D.” stands for John David. Here we go…

What advice are you always giving people?
This is a great question. There are certain pieces of advice I give people over and over.

1. Set goals. I struggled with personal finance until I learned to set goals for myself. Without financial goals, money just burns a hole in your pocket. Set goals so that every dollar has a place to go.
2. Start now. There will never be a better time to start pursuing your goals than now. The longer you wait, the more difficult it becomes.
3. Nobody cares more about your money than you do. There are plenty of people out there looking to give you advice. Some of them are honest, and some of them mean well. But there are plenty who have their own interests at heart. Because of this, you need to take responsibility for your financial situation. You need to decide what is best for your situation and act accordingly.
4. Do what works for you. There’s all sorts of financial advice out there, much of it conflicting. I don’t think it really matters which advice you listen to. As long as you’re moving in the right direct—paying down debt, saving for retirement, etc.—then *how* you’re moving is less important than the fact that you actually have momentum.

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