Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.

You have to teach children about money intentionally - create teachable moments.

Nothing happens without focus. Don't try to do everything at once. Take it one step at a time.

Teaching kids about money is never just about money.

Surround yourself with people who add the fuel of advice and encouragement to your fire.

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

Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.