Bottom line: You are not a victim. You are creating the situations you are in; you are creating the emotions that flow from those situations. This is not a theory; it is life. You must be willing to move your position, and, however difficult or unusual it may seem, embrace the fact that you own […]

Often the best thing you can do to create mastery in any area of your life is to raise a belief to the level of conviction. Remember, conviction has the power to drive you to action, to push you through all kids of obstacles. Beliefs can do this as well, but some areas of your […]

It may be ugly for you and things may be truly bleak, but you can always get ahead.  I am not going to insult you by telling you it will be easy.  At times, digging out of your mountain of debt to get ahead will be overwhelming.  But know this:  You can do it if […]

Affirmations are fine, but affirmations alone don’t change your life.  You can say, “I am rich, I am rich, I am rich” until your face turns the color of money, but until you stop doing stupid stuff with your money and start doing smart stuff with your money, you will still be broke.  Affirmation without […]

The only thing in the world you can change is yourself, and that makes all the difference in the world.
— Cher

I know this subject [money] is serious stuff. Your future is riding on it. But taking control of your financial life doesn’t need to be a solitary and scary process. Fear comes from not knowing what to do or how to do it. And when we are fearful, we do nothing. …You really do have what […]

You must know that in any moment a decision you make can change the course of your life forever: the very next person you stand behind in line or sit next to on an airplane, the very next phone call you make or receive, the very next movie you see or book you read or […]

If you have courage, you can win. You don’t have to be the fastest, the smartest.  You have to have tenacity.
— William Gilmore, Jr.

My national surveys of millionaires have taught me that if you believe you can succeed, the probabilities are greatly enhanced that you will reach or even exceed your goals.  The millionaires often indicated that “believing in myself” is a proactive tactic or thought process that works when they employ it.  They utilize this process when fear […]

I want you to realize that whether all of this takes a week, a month, or a year, that precious and limited time is going to pass whether you are doing something about your life or not.  I promise you that at this precise moment next year, your life will be better or worse than […]

Learning is, after all, not whether we lose the game, but how we lose and how we’ve changed because of it and what we take away from it that we never had before to apply to other games.  Losing, in a curious way, is winning.
— Richard Bach

While economic realities may at times be harsh, it is also the nature of the human mind to make real the thoughts and beliefs that we hold (a fact that should encourage great care in how we think about ourselves).  If you see yourself as a victim, you may well be too busy feeling sorry […]

Respect the life energy you are putting into your job.  Money is simply something you trade your life energy for.  Trade it with purpose and integrity for increased earnings.  Ask yourself:  Am I making a living or making a dying?
— Joe Dominguez and Vicki Robin, Your Money or Your Life

Attitude, the way you respond to life and all its circumstances, is more important than anything.  It is more important than the past, than struggle or success, than education or experience.  It is more important than how much money you have, how much you owe, what you would like to do, or where you would […]

Learning to save is a lot like running a marathon — you need to build up to it by training gradually. It’s too overwhelming to go from saving nothing to saving $2,700 a month, so you need to start slowly and keep it simple.
— David Bach; Yahoo! Article: “Tools for Personal Finance Empowerment”