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.

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.

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.

The foundation stone of wealth accumulation is defense, and this defense should be anchored by budgeting and planning.

Building a business is like building a home. If the foundation rests on an unstable setting or is constructed with subpar materials, it doesn't matter if the rest of the home is perfect. It will never be a joy to its owner

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.