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.

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.

First, in order to build a business, you have to be able to sell because Sales = Income. When income is lacking, it's usually because the owner doesn't like to, doesn't know how to, or is simply reluctant to sell. Without sales, however, you have no income.

Making mistakes isn't enough to become great. You must also admit the mistake, and then learn how to turn that mistake into an advantage.

The idea that success can happen overnight is crippling the financial future of generations. You have to work for it.

Knowing you need to make a change isn't enough. You've got to find the guts to do it.

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