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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. "

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" Babies are wonderful, important things. Having kids, even the thought of having kids, is a big emotional deal. But sometimes it can cause people to change their financial plans and directions. "

" I will never be unemployed. "

" 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. "

" 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. "

" 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. "

" 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. "

" Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way. "

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

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

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

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

" 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. "

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

" 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. "

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

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

" 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. "

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

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

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

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

" 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. "