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

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

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

" 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. "

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

" 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. "

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

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

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

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

" I will never be unemployed. "

" I like to write books where I get a question on the radio, and I don't have an answer for it. "

" 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. "

" 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. "

" 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. "

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

" 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. "

" 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. "

" 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. "

" 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. "

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

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

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

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

" When people get scared, they quit giving. "

" 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. "