Unfortunately, money is more often misused and abused than used intelligently. Most people haven't figured out how to use money wisely to truly enhance their lives. Most, it seems, act rationally with their money only when they can't dream up any more irrational ways to spend it. To be sure, financial insanity has developed its own big following including you and me.

Retirement is the beginning of life, not the end.

Great opportunity is all around you and it will inspire you to either take advantage of it or deny that it is there.

Feeling prosperous means paying your utility bills on time and with a smile on your face. Prosperity means not only giving to the homeless person, but having a smile on your face when you do it. Prosperity also means buying fresh produce with a smile on your face instead of buying day-old bread or bargain overripe fruit with a scowl on your face. Still more, being prosperous means tipping generously with a smile on your face when the waiter has given you great service instead of trying to stiff him with a mere percent, or worse, no tip at all.

When money is lost, a little is lost. When time is lost, much more is lost. When health is lost, practically everything is lost. And when creative spirit is lost, there is nothing left.

Put money in it's place. Money can buy you cars, houses, trinkets, fleeting sex, shallow companionship, cheap attention, and unfulfilled status. However, it can't buy you peace, love, or happiness.

Try to earn your $$$$$$ before you spend them.