Delegation requires the willingness to pay for short term failures in order to gain long term competency.

Those who don't manage their money will always work for those who do

I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.

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.

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

Being willing to delay pleasure for a greater result is a sign of maturity.

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.