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

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" 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. "

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

" I really am not a gold fan. "

" 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. "

" 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. "

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

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

" 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. "

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

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

" 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. "

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

" 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. "

" 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. "

" 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. "

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

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

" 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. "

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

" 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. "

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

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

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

" When people get scared, they quit giving. "

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

" 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. "

" 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. "

" Credit is an 'I love debt' score. "