If you are afraid of making mistakes, you won't learn anything and you won't make much money.

Arrogant or critical people are often people with low self-esteem who are afraid of taking risks. That's because, if you learn something new, you are then required to make mistakes in order to fully understand what you have learned.

When you diversify your mutual funds, you are diversifying something that is already diversified. Diversifying mutual funds is like taking high octane gasoline & adding water & then adding orange juice to it.

Don't cut up your credit cards, the problem is not the cards, it's the lack of financial literacy of the person holding the cards and always make the best out of a bad situation

The good news is that it doesn't cost much money to change your thinking. In fact, it can be done for free.

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.

Enjoy the time you have with your friends & family. That doesn't mean spend money you don't have on them. It means enjoy your time with them.