The key factor that will determine your financial future is not the economy; the key factor is your philosophy.

We are not born with courage, but neither are we born with fear.

To be successful, you have to develop certain traits such as courage, dignity, charisma and integrity. You also have to recognize that you have to work harder on yourself than on your job. You attract success because of the person you are. Personal development is key.

We must all wage an intense, lifelong battle against the constant downward pull. If we relax, the bugs and weeds of negativity will move into the garden and take away everything of value.

Learn from the negative as well as the positive, from the failures as well as the successes.

Time is more valuable than money. You can get more money, but you cannot get more time.

The most important question to ask is "What am I becoming?"