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

When you get a checking account, you should have a savings account, and the number for the savings account should be one off of your checking account.

individuals are honest only to the extent that suits them (including their desire to please others)

We usually think of ourselves as sitting the driver's seat, with ultimate control over the decisions we made and the direction our life takes; but, alas, this perception has more to do with our desires-with how we want to view ourselves, than with reality.

People are willing to work free, and they are willing to work for a reasonable wage; but offer them just a small payment and they will walk away.

that when given the opportunity, many honest people will cheat.

It is very difficult to make really big, important, life-changing decisions because we are all susceptible to a formidable array of decision biases. There are more of them than we realize, and they come to visit us more often than we like to admit.