“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.”

Broke is normal. Why be normal?

A budget is telling your money where to go instead of wondering where it went.

Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.

You must gain control over your money or the lack of it will forever control you.

One definition of maturity is learning to delay pleasure.

If you aren’t really careful, ‘The Good Enough’ can become the enemy of ‘The Best.’

Work is a surefire money-making scheme.

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.

Debt is normal. Be weird.

You will only sacrifice when you passionately believe in the outcome.

There’s a great place to go when you’re broke–to work!

Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.

After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.

A good financial planner is going to do more than pick your funds.

Broke people giving financial advice is like a shop teacher with missing fingers.

The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.

The job of the poet (a job which can’t be learned) consists of placing those objects of the visible world which have become invisible due to the glue of habit, in an unusual position which strikes the soul and gives them a tragic force.

Habit maketh no monk, ne wearing of gilt spurs maketh no knight.

The key to forming good habits is to make them part of your ‘rituals.’ I have a morning ritual, afternoon ritual, and Sunday ritual. It’s one way to bundle good habits into regular times that you set aside to prepare yourself for the life you want. Rituals help you form habits.

One of the characteristics of the dream is that nothing surprises us in it. With no regret, we agree to live in it with strangers, completely cut off from our habits and friends.

We have time to grow old. The air is full of our cries. But habit is a great deadener.

Habit is the ballast that chains the dog to his vomit.

Successful people aren’t born that way. They become successful by establishing the habit of doing things unsuccessful people don’t like to do. The successful people don’t always like these things themselves; they just get on and do them.

No particular motive for living, except the custom and habit of it.