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.
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.