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" Sometimes my mistake has been hesitancy about acting on the decisions I've made. When's the best time to invest? It's today, not tomorrow. "

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" There was a guy by the name of Charles Schwab: actually, Charles M. Schwab. I read a lot about him, and I always hoped I was related, but I wasn't. He was a steel magnate. He worked for J.P. Morgan; then he started Bethlehem Steel. But he had no children, unfortunately, and it turned out I wasn't a relative. "

" For as little as a thousand dollars, you can open an account at Schwab. I mean, it's not a big barrier to entry. "

" I remember very vividly - I wrote about it in one of my books - my first IRA. I contributed $2,000 every year, and in 21 years, the funds in that IRA account grew to $260,000. Seems like sort of a miracle, but it happened. "

" I remember, my first bicycle was very much a used bike. I wasn't going to Wal-Mart, buying a flashy 10-speed bike from China. Are you kidding me? "

" You've always got to think about having some fixed income in your portfolio as well as equities. "

" When I was 14, I did all kinds of different odd jobs. I had a chicken farm, had an ice cream operation in the summertime, worked as a caddy; all things to make money and save money. Save money in order to invest - that was the first step, though I never really accumulated very much because of other demands like bicycles and things like that. "

" I have yet to find the man, however exalted his station, who did not do better work and put forth greater effort under a spirit of approval than under a spirit of criticism. "

" A man can succeed at almost anything for which he has unlimited enthusiasm. "

" I did all kinds of things as a young person to try to make money. I had a chicken operation - I sold chickens. I can remember going to high school football games as a ten-year-old and gathering Coca-Cola bottles, 'cause you'd turn them in and get a nickel. I wanted not to remain idle. "

" I bought all the books, but I probably knew on the first day that law school wasn't for me. I didn't give up until about ten days. I don't think I really told my father. I really didn't like my father knowing my things were not successful. "

" I have probably purchased fifty 'hot tips' in my career, maybe even more. When I put them all together, I know I am a net loser. "

" I frankly think we in the financial service world believe we need appropriate kinds of regulations. No question about that. But when something like Dodd-Frank has been created, sort of in the mystery of night, it is a huge document. It's vast. It weighs about 10 pounds when I carry it around. "

" You want banks to take some risk, but intelligent risk. "

" I use the word 'passion' a lot when I talk to young people. In every pursuit I've been on, I've had a lot of passion behind it. It continues to motivate me every day on what I like to do and where I'm going. "

" If there's not enough money in the bank account, you don't spend it. "

" As a young analyst just out of Stanford business school in the 1960s, I got to really understand what growth was about. Back then, you had to ask a customer to pay some money. That was the most important thing in getting a company off the ground. "

" I grew up in an era when money was not readily available. We were into the post-Depression years and World War II. "

" Just because a stock is down doesn't mean it's a great buy. "

" On the personal side, family is really important to me. I have a big family - five kids and 12 grandkids - so keeping that going is wonderful. And I do a lot of philanthropy. I'm chairman of the San Francisco Museum of Modern Art. "

" We couldn't buy Google on the IPO, but I knew I wanted to own it. I was gonna go big. It came out and went down a bit. I got distracted by something and didn't get in. "

" I was about thirteen when I started thinking about the stock market. My dad helped me a little bit. I'd see it in the 'Santa Barbara News-Press.' These prices would change every day - what was that all about? "

" I never knew the word 'billion' when I was a kid. "