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" 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. "

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" We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president. "

" 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. "

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

" 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. "

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

" 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. "

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

" I really am not a gold fan. "

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

" 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. "

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

" 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. "

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

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

" 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. "

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

" 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. "

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

" You don't need credit. "

" 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. "

" 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. "

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

" 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. "

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

" 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. "