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" 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. "

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

" 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. "

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

" 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. "

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

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

" When people get scared, they quit giving. "

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

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

" 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. "

" 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. "

" I have done stupid with a lot of zeros on the end of it. I know what it looks like. "

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

" 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. "

" 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. "

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

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

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

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

" 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. "

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

" 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 will never be unemployed. "

" 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. "