Most of the things we buy are wants. And we call them needs, but they're wants.

I call this the great misunderstanding ? the idea that we give because churches need our money.

Pay your utilities, gas and other basic needs before paying on your debts.

For a period of time, you can win financially and later buy whatever you want.

You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school.

This is a great time for the 'guerilla marketer.' The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone.