Enabling is the enemy of motivation.

The only reason to go into business is to make money. You have to work hard at it. If you're not passionate about it, you'll burn out so fast that it is incredible.

My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid.

There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.

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.

True leadership is servanthood. Put the interests of others at the center of your decisions.

I'm a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated.