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

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

" 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. "

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

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

" I've got a young man who works for me who says you don't need to discover your dreams - you need to recover them. "

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

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

" 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. "

" 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. "

" 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 need credit. "

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

" 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. "

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

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

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

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

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

" 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. "

" 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. "

" When people get scared, they quit giving. "

" 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. "

" I will never be unemployed. "

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

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

" I really am not a gold fan. "

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

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