“Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.”

Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.

Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.

Ideas are a dime a dozen. People who execute them are not.

I would not pre-pay. I would invest instead and let the investments cover it.

Just keep taking the next step and keep having excellence in the ordinary.

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.

If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live.

You must plan your work and then work your plan.

Opening your hands will set you free.

Knock out a small debt first so you get a quick win. Momentum is key.

When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.

More wealth doesn’t fix your life. More wealth makes you more of what you already are.

At the end of the day we are not selling, we are serving.

Outrageous generosity is a character quality of people who win with money.

Delegation requires the willingness to pay for short term failures in order to gain long term competency.

No one got rich on a government program. Do not choose to be a common man. You can be uncommon.

The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that are likely to get you where you want to go.

Physical pain is a fact that comes with living, just as illness or financial woes or broken relationships are facts. But misery is a state of mind, a reaction to the facts, that can be controlled or altered by an act of will.

The financial crisis appears to be mostly behind us, and the economy seems to have stabilized and is expanding again.

I and others were mistaken early on in saying that the subprime crisis would be contained. The causal relationship between the housing problem and the broad financial system was very complex and difficult to predict.

We do not expect significant spillovers from the subprime market to the rest of the economy or to the financial system.

Importantly, in the 1930s, in the Great Depression, the Federal Reserve, despite its mandate, was quite passive and, as a result, financial crisis became very severe, lasted essentially from 1929 to 1933.

The crisis in Europe has affected the US economy by acting as a drag on our exports, weighing on business and consumer confidence and pressuring US financial markets and institutions.

The impact on the broader economy and financial markets of the problems in the subprime markets seems likely to be contained.