A budget is telling your money where to go instead of wondering where it went.

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.

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

Opening your hands will set you free.

Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!

The first step in taking control of your money is to stop borrowing money. Start using cash today.

You can't be in debt and win. It doesn't work.