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

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

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

I will never be unemployed.

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

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.

We buy things we don’t need with money we don’t have to impress people we don’t like.

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

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...

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.

Pray like it all depends on God, but work like it all depends on you.

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

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...

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

The problem with your company is not the economy, it is not the lack of opportunity, it is not your team. The problem is you. That is the bad news. The good news is, if...

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

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 have to live my books before I write them.

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

I really am not a gold fan.

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

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

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.

Live no one else today, so you can live like no else tomorrow

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...

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

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.

Traction equals satisfaction

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.

You don’t need credit.

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.

The weird thing is that the more efficient, on task, on goal you are with your time, the more energy you have. Working with no traction, or for that matter simply wasting a day, does...

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

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

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

Credit is an ‘I love debt’ score.

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.

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...

When people get scared, they quit giving.