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

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

" 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. "

" 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. "

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

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

" 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. "

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

" Life will not make allowance for you, but it will pay you what you earn. "

" 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. "

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

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

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

" 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. "

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

" People are in such a hurry to launch their product or business that they seldom look at marketing from a bird's eye view and they don't create a systematic plan. "

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

" You don't need credit. "

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

" 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. "

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

" 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. "

" 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. "

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

" 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. "

" 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. "

" The Bible clearly says that when we have a problem with our brother, we are to go to them and try to resolve the situation. "

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

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