Do not let your life, ministry or organization go faster than your resources.

You have the clean canvas of a whole week before you. Paint well.

When you create a basic budget and stick to it, it will suddenly seem like you have more money.

I believe that through knowledge and discipline, financial peace is possible for all of us.

The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.

This is not a game, ... Debt has become a part of who we are. It's become that spoiled child in the grocery store with their lip stuck out: 'I want it. I want it. I deserve it because I breathe air.' And, well, that's an uphill climb in our culture right now, to go against that and say, 'Hey, let's be grownups here. Let's be mature, learn to delay pleasure, save up and pay for things.'

Adults devise a plan and follow it, children do what feels good.