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

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

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

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

" 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. "

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

" I really am not a gold fan. "

" 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. "

" 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. "

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

" 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. "

" You don't need credit. "

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

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

" 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 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. "

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

" 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. "

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

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

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

" 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. "

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

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

" I think that anyone who wants to start their own business can, but not any type of business. "

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

" 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. "

" 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. "

" 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. "

" 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 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. "