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.

I have to live my books before I write them.

Debt has become a part of who we are.

Nothing happens without focus. Don't try to do everything at once. Take it one step at a time.

Debt gives you the ability to look like you’re winning when you’re not.

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

If you will live like no one else, later you can live like no one else.