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

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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. "

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

" 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. "

" 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. "

" I will never be unemployed. "

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

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

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

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

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

" 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. "

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

" 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. "

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

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

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

" I really am not a gold fan. "

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

" 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. "

" 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. "

" 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. "

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

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

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

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

" 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. "

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

" 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. "

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