That stupid saying "What you don't know can't hurt you" is ridiculous. What you don't know can kill you. If you don't know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear - but that doesn't mean you won't get killed.

Be an evangelist with your excellence.

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

The only reason to go into business is to make money. You have to work hard at it. If you're not passionate about it, you'll burn out so fast that it is incredible.

Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well.

Great talent stands in line to join your team because the culture becomes the stuff of legend.

The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.