I think the media argues all the time with itself.

Pull in your belt, spend less, and reduce debt.

I believe that for the most part, achieving success - whatever that is for you - is mostly a matter of personal choice and that, initially, making the right choices can be difficult.

Look at what caused people to make a lot of money and you will see that usually it is in proportion to their production of what the society wanted.

If you can stare hard at your problems, they almost always shrink or disappear, because you almost always find a better way of dealing with them than if you don't face them head on. The more difficult the problem, the more important it is that you stare at it and deal with it.

When you think that it's too hard, remember that in the long run, doing the things that will make you successful is a lot easier than being unsuccessful

The most important thing you can have is a good strategic asset allocation mix. So, what the investor needs to do is have a balanced, structured portfolio – a portfolio that does well in different environments…. we don't know that we're going to win. We have to have diversified bets.