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

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" Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you're morally and legally obligated to pay? I don't think so. "

" 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. "

" You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy. "

" 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. "

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

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

" There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt. It's not going to work. "

" I always laugh and say I met God on the way up, and I got to know him on the way down. And so, as I'm crashing and losing everything, a lot of people run to God when they are struggling. And I was no exception. "

" 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. "

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

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

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

" I really am not a gold fan. "

" 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. "

" I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access. "

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

" You can't be in debt and win. It doesn't work. "

" 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. "

" 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. "

" You don't need credit. "

" 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. "

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

" 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. "

" When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don't involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles. "

" 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. "

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

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

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

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

" I like to write books where I get a question on the radio, and I don't have an answer for it. "