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

Leadership responsibility: If you own a biz, you're the head of the org. Good or bad, your company will LOOK and ACT like you do.

If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.

Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren't the exception.

Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully.

Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.

Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That's a good way to end up broke. We've got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it's just stuff.