"It's easy to underestimate the real cost of home ownership."

"Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'"

"Here's my gift-giving rule: Respect your current financial situation."

"They got married, they got divorced, and half their money goes out the window."

"I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for five years."

"If we think we have ours and don't owe any time or money or effort to help those left behind, then we are a part of the problem rather than the solution to the fraying social fabric that threatens all Americans."

"I've always taught that a poor economy is the best opportunity for salespeople because the naysayers and grumblers have already given up, leaving more territory, more opportunities to be successful than in a good economy when virtually all salespeople are out there, giving it their best."

"I'm concerned a little bit with the culture of celebrating the fundraise. My dad taught me that when you borrow money it's the worst day of your life."