It's a serious character weakness to think you can get something of value for little or nothing, to believe that life will flood you with abundance when you won't commit yourself to delivering your best contribution in exchange. In fact, it's a safe bet that you'll subconsciously sabotage yourself from being in such a place for long. You won't allow yourself to receive what you don't feel you've earned. To receive life's bounty, you must know without a doubt that you deserve it.

By all means listen to other people's advice, but when in doubt go with your gut instinct.

People in their early 20s are invariably weird.

When in doubt, act boldly, as if it were impossible to fail. In essence it is.

I believe we can proactively choose to believe whatever we want instead of merely letting our beliefs coalesce as reactions to events.

You must assume 100% responsibility for your financial life. If you're going to improve your situation, you have to put the full burden of doing so squarely on your own shoulders. First and foremost, you must hold yourself responsible.

Understand that relationships are more important than contracts. Business deals are relationships between people. The signed piece of paper is important, but it's merely the result of the relationship, not the cause. If the relationship crumbles, the contract won't save you, although it could be very lucrative for your lawyer.