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" I think that anyone who wants to start their own business can, but not any type of business. "

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" There are no shortcuts when it comes to getting out of debt. "

" I will never be unemployed. "

" I believe that through knowledge and discipline, financial peace is possible for all of us. "

" If you're doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that's perfectly fine. But there are much safer ways to handle situations with debt collectors. You can send a money order overnight, or wire the cash to them. "

" You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school. "

" My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. "

" In order to be a great marketer, you have to be focused and intense and look at scarcity, urgency, activity and passion in the marketplace. "

" I've got a young man who works for me who says you don't need to discover your dreams - you need to recover them. "

" In the neighborhood where I grew up, it was a rough neighborhood - well, not rough, but it certainly wasn't upper class or anything. But I remember hearing things like, 'The little man just can't get ahead.' And if you start to believe that, then you know what? You don't get ahead. "

" A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy. "

" Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as they get some money. "

" You need some quick wins in order to stay pumped enough to get out of debt completely. "

" As parents, we teach our kids about things we feel competent in. That's why so many parents don't teach their kids about money. "

" As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal. "

" I have to live my books before I write them. "

" I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful. "

" If you're able to pay your bills, you pay your bills. It's as simple as that. "

" While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon. "

" Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. "

" It takes some discipline and hard work, but relying on credit when things go wrong is a trap. "

" You have to teach children about money intentionally - create teachable moments. "

" You've got to tell your money what to do or it will leave. "

" Pay your utilities, gas and other basic needs before paying on your debts. "

" We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products. "

" The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge. "

" Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life. "

" Most of the things we buy are wants. And we call them needs, but they're wants. "

" I really am not a gold fan. "

" When people get scared, they quit giving. "

" Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me. "