As one of the media moguls, Oprah Winfrey’s influence cannot be disputed. She is a successful TV personality, producer/director, actress, entrepreneur, and philanthropist. She graces every list of the most influential women/people in the world.

Oprah rose above her own circumstances with grace and aplomb. From rags to $3-Billion worth of riches, Oprah Winfrey is the epitome of a strong, successful woman of the new millennium. She has the most interesting relationship with money, not just because of her vast wealth, but also how she views it and utilizes it. She loves sharing her nuggets of wisdom to inspire people to change their mindset about debt, possession, and money.

Here are the top 3 financial tips that Oprah wants to impart to Millennials:

1- Get rid of the behaviors that hold you back

Behaviors are learned habits that significantly affect your present and future life. Positive behaviors bring positive outcomes while negative behaviors hold you back from your life’s goals.

According to Oprah, “The greatest discovery of all time is that a person can change his future by merely changing his attitude.” She believes that when you limit yourself, you will not discover your full potential. If you impose a ceiling on your own capability, you lose the chance to broaden your horizon and achieve your greatest dreams.

If you are afraid of being stuck in debt, you need to be clear on your objectives and how you are going to pay for it. For long-term goals, you can save a hefty egg nest to finance them. However, there are times that you need money to finance immediate need or emergency. Your best option is to withdraw from your savings. But if you do not want to touch it, your next option is to find a licensed moneylender in Singapore. A reputable lending firm can provide the money you need instantly and prevent you from withdrawing funds in your savings account.

By changing your attitude towards debt and looking at it as a means to resolve your pressing needs, you also secure your future goal.

2- Be a wise spender

Oprah is a firm believer that money is a tool that gives you choices. One of her profound advice about spending is encompassed in these words- “I hope the way you spend your money is in line with the truth of who you are and what you care about. I hope that you use it as a powerful force for good to fulfill your best intentions.”

She explicitly advocates two ways to plan your finances:

• Spend in line with who you are

It translates to practical ways to spend your money and keep a sound budget that will bring you a sense of peace. For example, you need a car, but you want a Porsche. You need a bag to carry your office essentials, but you want a Hermes bag. It is a perennial battle between your need and your wants.

Oprah’s advice is to spend your hard-earned money, according to your true circumstances. Do not live beyond your means, she says.

• Protect those you care about

Like Oprah, you know that your loved ones need protection against financial hardship. You work for them and you would do anything to keep them secure and taken care of. Life can be tricky and when something happens to you, you can jeopardize their future if you do not have a life insurance policy or emergency fund for unexpected circumstances.

If you do not have a reserve fund, one way to solve the family financial crisis is to secure a loan from a licensed moneylender in Singapore. It is easy to apply for a loan and most of the lending companies offer easy payment terms. Make surethat you get a loan only from legitimate lenders by checking the list of licensed money lenders.

3- Pursue your goals with patience

Oprah’s mantra is to seek continually to become better. She challenges herself to tackle each of her goals with excellence and patience. In 2013, during her commencement address at Harvard University, Oprah used the setbacks that her OWN network encountered to send a powerful message to the graduates.

She said- “It doesn’t matter how far you rise. At some point, you are bound to stumble because if you’re constantly doing what we do, raising the bar. If you’re constantly pushing yourself higher, higher the law of averages, not to mention the Myth of Icarus predicts that you will at some point fall.”

If you work overtime most of the time, it will negatively impact your health. The toil of working too much and getting little rest may eventually affect your well-being, making you prone to stress and illness. The extra cash is beneficial, but it comes with a price. One day, you will find yourself unable to work or sick. During this health crisis, your savings fund will be depleted. Securing a loan from a licensed moneylender in Singapore will help you during the recovery period.

And Oprah would always remind people not to be too hard on themselves. Nobody is perfect, be kind to yourself when you fail. Just be patient and do the work again. “You CAN have it all. You just can’t have it all at once.”