Higher calling matters. When you care so deeply about the why-why you're doing what you're doing-then and only then are you operating in a way that allows you to overcome the obstacles.

When people get scared, they quit giving.

A lower interest rate doesn't make a debt go away.

Surround yourself with people who add the fuel of advice and encouragement to your fire.

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

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.

Just keep taking the next step and keep having excellence in the ordinary.