Here is a simple but profound truth: YOU CAN NOT GET OUT OF DEBT BY BORROWING MORE MONEY. 
No more than an alcoholic can become sober by having another drink.
— Jerrold Mundis, How to Get Out of Debt, Stay Out of Debt, and Live Prosperously

The fact that you don’t have any money is a result of all your other problems.  You have thinking problems.  Attitude problems.  Self-esteem problems.  You are lazy.  You lack discipline.  You lack goals.  Your priorities are out of whack.
 
Your biggest problem is not in your wallet or your bank account.  Your biggest problem is between [...]

None of the people I’ve helped on my television show has had a written-down plan.  Not even a 3×5 card with one sentence on it.  Not a Post-It note. Nothing.
 
And they wonder why their lives are such disasters.  Isn’t it obvious?  They don’t have a plan for their life to be anything other than a [...]