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.
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.
Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.
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.
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.
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.
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.
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.
I believe that through knowledge and discipline, financial peace is possible for all of us.
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