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

You can't be in debt and win. It doesn't work.

There are no shortcuts when it comes to getting out of debt.

This is not a game, ... Debt has become a part of who we are. It's become that spoiled child in the grocery store with their lip stuck out: 'I want it. I want it. I deserve it because I breathe air.' And, well, that's an uphill climb in our culture right now, to go against that and say, 'Hey, let's be grownups here. Let's be mature, learn to delay pleasure, save up and pay for things.'

Credit is an 'I love debt' score.

While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.