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.'

I would not pre-pay. I would invest instead and let the investments cover it.

Debt is normal. Be weird.

Stupid is not illegal.

You must learn to control your money, or to the permanent deprivation control you

You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.

Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.