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.

One definition of maturity is learning to delay pleasure.

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.

Making mistakes and learning from them is crucial to winning.

Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.

Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.

Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.