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" 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. "

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" Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and then I will fire your butt. "

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

" 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. "

" 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. "

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

" 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. "

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

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

" Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully. "

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

" You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities. "

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

" What your beliefs are about anything creates your actions. What you believe about marriage creates the way you handle your marriage. What you believe about raising kids creates the way you do that. "

" This is a great time for the 'guerilla marketer.' The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone. "

" I will never be unemployed. "

" There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there. "

" I have done stupid with a lot of zeros on the end of it. I know what it looks like. "

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

" We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president. "

" You don't need credit. "

" To be fair, the collection business does have a few good people in it. But it also has those who will lie and make threats. "

" There's always something that needs attention when you own a property. "

" Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise. "

" My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid. "

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

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

" 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. "

" I really am not a gold fan. "