If you get people to feel that they are putting something, that they are creating it and so on, their love for the project would increase. The more something is yours, the more you're willing to invest in it.

None of us always make the best financial decisions.

A very simple bad decision is to get into debt. And that is very expensive.

The people that lend you money basically give you an answer based on the risk that they are willing to take. But just because a bank is willing to take a particular risk doesn't mean that that is the right amount for me to spend.

Not all debt is bad. From time to time we should get into debt when there's a good reason for that.

Giving up on our long-term goals for immediate gratification, my friends, is procrastination.

The bad news is that ignoring the performance of people is almost as bad as shredding their effort in front of their eyes. Ignoring gets you a whole way out there. The good news is that by simply looking at something that somebody has done, scanning it and saying "Uh huh," that seems to be quite sufficient to dramatically improve people's motivations.