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" 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. "

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

" 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. "

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

" I will never be unemployed. "

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

" You don't need credit. "

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

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

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

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

" 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. "

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

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

" 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. "

" 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. "

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

" I really am not a gold fan. "

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

" 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. "

" 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. "

" Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully. "

" 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 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. "

" 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. "

" 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. "

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

" 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. "