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

The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.

Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren't the exception.

You will only sacrifice when you passionately believe in the outcome.

Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.

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

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.