Focus on what you have.

One has to ask what is the goal of life? What is the goal of life? My interpretation of it for myself, a very wise teacher once taught me this, is to meet the needs of the people, places and the times around you and offering those services to God.

Many people are dreaming. Let me rent. Let me have a job. Let me work until I'm 70. That's not what the American Dream used to be. It used to be, let me own a home. Let me retire at 59 and a half or 65 at the latest. Let me do this. And now, really, given what's happened, good luck with anything happening unless you do it yourself.

We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.

Money will respond to you just like people do.

People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.

Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.