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.

You have the clean canvas of a whole week before you. Paint well.

True leadership is servanthood. Put the interests of others at the center of your decisions.

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

There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.

We learned early on that if we help enough people, the money will come.

Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.