The idea that you will make the right decision every time is very unlikely.

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.

If you think of people as making decisions actively, every time we think about the cup of coffee, we say, "How much will I enjoy the cup of coffee, what else could I not do in the future because I buy this cup of coffee?

The companies that provide debt, what do you think their goal is? Is their goal for you to fully understand the cost of your debt? No. So they're basically creating these approaches to make you feel like it is incredibly cheap or just to think about the cost per day rather the cost per year or cost for a lifetime. So debt is very simple mistake.

Disasters are usually a good time to re-examine what we've done so far, what mistakes we've made, and what improvements should come next.

I don't know what exactly the translation is but when we do consume something now, something else has to give at some point.

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.