You have got to decide, look, this is who I am; this is my best way to present myself, and I'm going to ride that horse to the finish line. Not everybody will like it, but that's OK.

Common sense needs to be more common.

If you're trying to get out of debt, you have to be willing to treat everything as expendable.

Willpower is a myth. The problem with trying to use willpower to achieve and sustain a behavioral change is that it is fueled by emotion. And as we all know, our emotions are, at best, fickle. They come and go. When your emotions start running down -- and they will -- even your best-laid plans will fall flat.

This is your life and the clock is ticking.

Why do so many marriages fail? Because nobody gets taught how to be married. We're not taught how to pick a mate, or why to pick a mate; we don't know how to manage our emotions once we're in a marriage; we don't know how to resolve marital conflict. Married people have never been taught why they or their spouses feel the way they do and act the way they do. Nobody has ever taught us the fundamentals.

Are you doing what you're doing today because you want to do it, or because it's what you were doing yesterday?