Many financial advisors recommend that you diversify for your own protection. What they fail to tell you is that it is also for their protection. Since most financial advisors cannot tell you exactly which stock or mutual fund is a great investment, they tell you to buy a bunch of them.

Before you invest in something, invest the time to understand it

A lot of people are afraid to tell the truth, to say no. That's where toughness comes into play. Toughness is not being a bully. It's having backbone.

I still consider myself a little, fat kid from Hawaii.

If you realize that you're the problem, then you can change yourself, learn something and grow wiser. Don't blame other people for your problems.

Money does not make you happy, but the lack of money can cause unhappiness.

Sometimes the hardest thing to do is to trust your team. It's a lesson I've had to relearn quite a few times.