My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid.

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

Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!

You can get anywhere if you simply go one step at a time.

The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.

We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products.

The creature comforts we tend to rationalize as "business expenses I can write off."