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

Credit is an 'I love debt' score.

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.

There are no shortcuts when it comes to getting out of debt.

Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it.

Financial Security is not enough money to buy toys. That is to learn to live with less money than you earn. So, you can help other individuals or investors. You are not a winner until done it

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