When everyone zigs, zag. Life is all about trying to get somewhere first.

As an entrepreneur, you have to be OK with failure. If you're not failing, you're likely not pushing yourself hard enough.

Even if you feel like your debt is just never going to go away, think long and hard before declaring bankruptcy. Declaring bankruptcy means that getting a loan for anything will be next to impossible for the next 10 years.

Before you take the leap, before you jump, really make sure it's going to be something you want to get out of bed [to do] everyday, because it is so hard. So you want to make sure that you're really committed.

If you're trying to diet, what do you do? You grab your two friends and say, 'We're going to the gym; let's do this together.' Money shouldn't be any different. If you're trying to make progress, if you're trying to save more, we really need to be able to get support.

Money shouldn't be worshiped and it shouldn't be ignored.

Know the difference between your necessary and discretionary expenses.