Whatever your income, always live below your means.

Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be.

Most people have it all wrong about wealth in America. Wealth is not the same as income. If you make a good income each year and spend it all, you are not getting wealthier. You are just living high. Wealth is what you accumulate, not what you spend.

Whatever your income, always live below your means.

Money should never change one’s values…. Making money is only a report card. It’s a way to tell how you’re doing.

If you want to catch a cold, hang out with sick people. If you want to lose, associate with losers. But if you want to become successful, go out of your way to associate with successful people.

I am not impressed with what people own. But I’m impressed with what they achieve. I’m proud to be a physician. Always strive to be the best in your field…. Don’t chase money. If you are the best in your field, money will find you.