Founder, Scholarship America
"If you believe in something, ask for money. You don't ask, you don't get. Ask for $1. Everyone can afford that."
Founder, Consumers for Auto Reliability and Safety
"Don't buy a certified used car. Instead, get your own inspection for $100 and save thousands. The dealers who do the certifying will okay anything with four wheels."
President, Joe's House
"Many organizations can help if you've received a shattering diagnosis. You can get free or reduced-cost travel, lodging, child care, career advice -- even a wig."
Policy specialist, California Health Advocates
"You must protect a parent's finances when he or she stops driving. Your parent can't get to the doctor or store. If you've had no human contact for days, you're a sitting duck for a salesman at your door."
Lawyer, San Francisco district attorney's office
"Protect your Social Security number, which is on your Medicare card. Make a copy of that card, masking the last four digits, and carry that with you."
"Don't buy a house until you can make payments and save for retirement. I bought a home 20 years ago -- in a place I didn't love -- that lost 25% of its value in three years. I had no savings and little power to change my situation."
Maker of "United Breaks Guitars" viral video, customer service champion
"People I met who are now millionaires told me long ago, 'Slow and steady wins the race.' They had a balanced and long-term approach to investing. Don't always try to hit a home run."
The people Money has saluted over the past year for improving others' finances have some more help to offer: sound advice for you.
These Money heroes are fighting for the financial security and success of seniors.
Meet four Money heroes dedicated to helping other Americans cut their health care costs.
A salute to four people who have made extraordinary efforts to improve access to a college education.
Meet Money magazine's Heroes, including Holly Petraeus of the Consumer Financial Protection Bureau and four others improving the lives of military families.