We live in a culture full of hares; but the tortoise always wins.

I can't tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn't where their market will look for them, and it cost more than they thought.

Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It's just as important as life insurance.

You have to teach children about money intentionally - create teachable moments.

No one got rich on a government program. Do not choose to be a common man. You can be uncommon.

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.'

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