A lower interest rate doesn’t make a debt go away.
You’ve got to tell your money what to do or it will leave.
Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.
Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.
There are no shortcuts when it comes to getting out of debt.
Being willing to delay pleasure for a greater result is a sign of maturity.
You have to teach children about money intentionally – create teachable moments.
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.
No one got rich on a government program. Do not choose to be a common man. You can be uncommon.
Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.
Bosses push, Leaders pull. Real leadership is servant leadership.
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.
Leadership responsibility: If you own a biz, you’re the head of the org. Good or bad, your company will LOOK and ACT like you do.
Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren’t the exception.
I would not pre-pay. I would invest instead and let the investments cover it.
The creature comforts we tend to rationalize as “business expenses I can write off.”
Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it.
Anytime you open a business, you have to be effective in promoting whether it’s a franchise or not. You’ll need to learn to be a Web marketer extraordinaire. There’s plenty of material out there.
The only reason to go into business is to make money. You have to work hard at it. If you’re not passionate about it, you’ll burn out so fast that it is incredible.
I can’t tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn’t where their market will look for them, and it cost more than they thought.
I’m a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated.