Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.

You must trust yourself more than you trust anyone else with your money.

Every morning I wake up, I can't even wait to go and see what life can I change today. It doesn't have to be a lot of lives, but I can change one life a little bit here, a little bit there, and I hope that everything I create, people know that.

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

I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded.

I have come to think that money is very much like a person, and it will respond when you treat it as you would a cherished friend - never fearing it, pushing it away, pretending it doesn't exist, or turning away from its needs, never clutching it so hard that it hurts. ... if you tend it like the living entity it is, then it will flourish, grow, take care of you for as long as you need it.

If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.