“To be fair, the collection business does have a few good people in it. But it al…” — Dave Ramsey

Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you're morally and legally obligated to pay? I don't think so.

I have to live my books before I write them.

When people get scared, they quit giving.

I will never be unemployed.