We all have defining moments. It is in these moments that we find our true characters. We become heroes or cowards; truth tellers or liars; we go forward or we go backward.

The primary difference between rich people and poor people is how they handle fear

Sight is what you see with your eyes, vision is what you see with your mind.

You and only you are responsible for your life choices and decisions.

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.

The most important job of an entrepreneur is to design the business before there is a business.

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.