When you're in pain, tomorrow doesn't exist - just the pain - and the only thing that you want in the world is for it to go away.

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

The problem is that people basically dangle debt in front of us. And the cost for the poor of course is much higher than for the wealthy.

If you ever go bar hopping, who do you want to take with you? You want a slightly uglier version of yourself. Similar ... but slightly uglier.

The real issue is, how much goodwill do you invest in the work? And goodwill is not something that we can buy with money. It's very hard to buy goodwill with money.

People are irrational - and predictably so.

If you have loans, the first thing you want to do is say, "Okay, look I have a credit card, if I really need to borrow, I have this emergency money that I can get, but for now there is no reason for me to keep cash at zero percent interest rate and at the same time, pay all of this money out. So, I think people need to figure out quickly how to pay loans and how much cash they should really keep.