Money is kind of a base subject. Like water, food, air and housing, it affects everything yet for some reason the world of academics thinks it's a subject below their social standing.

You have a choice in life. Would you rather be lonely or miserable? I would rather be lonely. A lot of people are miserable in a marriage and they don't get along with their wife or husband and it's not worth it.

Criticism is easier to take when you realize that the only people who aren’t criticized are those who don’t take risks.

Comfort kills ambition. Get uncomfortable and get used to it in your pursuit of your goals and dreams.

We were not taught financial literacy in school. It takes a lot of work and time to change your thinking and to become financially literate.

I am concerned that too many people are focused too much on money and not on their greatest wealth, which is their education. If people are prepared to be flexible, keep an open mind and learn, they will grow richer and richer through the changes. If they think money will solve the problems, I am afraid those people will have a rough ride. Intelligence solves problems and produces money. Money without financial intelligence is money soon gone.

Congratulations on your job at the bank! Yes. You work for the bank. After taxes, your largest expense is your mortgage and credit-card debt.