“Would a good friend, a smart friend, encourage you to do something as dishonorab…” — Dave Ramsey

I have to live my books before I write them.

When people get scared, they quit giving.

I will never be unemployed.

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.