'No' puts distance between you and the wrong influence.
Adopt the attitude that everything is negotiable. A world of opportunity will greet you.
Nothing teaches character better than generosity.
We must teach our children not to spend their money a dollar at a time. If you spend your dollar at a time, you'll wind up with trinkets instead of treasures.
Take time to gather up the past so that you will be able to draw from your experience and invest them in the future.
Money is usually attracted, not pursued.