I believe that through knowledge and discipline, financial peace is possible for all of us.

The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.

You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities.

I've got a young man who works for me who says you don't need to discover your dreams - you need to recover them.

Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way.

What your beliefs are about anything creates your actions. What you believe about marriage creates the way you handle your marriage. What you believe about raising kids creates the way you do that.

My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid.

You've got to tell your money what to do or it will leave.

We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products.

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

A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy.