“It is during our darkest moments that we must focus to see the light.” — Aristotle Onassis

Since I am known as a 'rich' person, I feel I have to tip at least $5 each time I check my coat. On top of that, I would have to wear a very expensive coat, and it would have to be insured. Added up, without a topcoat I save over $20,000 a year.

Never ask for small loans.

Find a priest who understands English and doesn't look like Rasputin.

Don't sleep too much. If you sleep three hours less each night for a year, you will have an extra month and a half to succeed in.