Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!
We learned early on that if we help enough people, the money will come.
If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.
If you help enough people, you don't have to worry about money.
A lower interest rate doesn't make a debt go away.
Delegation requires the willingness to pay for short term failures in order to gain long term competency.