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" 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. "

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" 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 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. "

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

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

" 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. "

" 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 will never be unemployed. "

" 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'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. "

" 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. "

" 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. "

" 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. "

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

" 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. "

" 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. "

" I really am not a gold fan. "

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

" 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. "

" 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. "

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

" 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. "

" 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. "

" 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. "

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

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

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

" When people get scared, they quit giving. "

" 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. "

" 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. "