Remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.

If you help enough people, you don't have to worry about money.

We started in our living room on a card table in our living room, and we have a multi-million dollar company and we know it can be done without borrowing a dime. It takes a while to get it started and to turn the wheel over, but the next time it's easier and the next few hundred times, it's easier than that. Have a budget where you reinvest a percentage of every dollar you earn to grow it.

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

Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.

Debt is normal. Be weird.

Christmas is about giving. Be outrageously generous. Have fun, enjoy the process....then keep it up all year.