Collection of the best Quotes

Quotes provide us with a quick and timely burst of wisdom, offering the inspiration needed for the occasion and introducing us to great minds and works. Enjoy this list of favorite quotes, regularly collected and updated. 



  • if you think too much about money, you can’t see the forest from the tree! Look for the productive assets (the forest), not the money (the tree). Sweat Your Assets
  • Taxes are indeed very heavy (but) we are taxed twice as much by our idleness, three times as much by our pride, and four times as much by our folly. Benjamin Franklin
  • It is difficult to get a man to understand something when his salary depends upon his not understanding it. Upton Sinclair
  • Read people’s incentives and you’ll understand their behavior. Tariq Fancy 
  • I want to give my kids enough so that they could feel that they could do anything, but not so much that they could do nothing. Warren Buffett
  • You’re free when no one can buy your time. Shane Parrish
  • Unless the millennials learn a small amount about finance, they’ll fall victim to the Five Horsemen of Personal Finance Apocalypse: failure to save, ignorance of financial theory, unawareness of financial history, dysfunctional psychology, and the rapacity of the investment industry. William J. Bernstein
  • You must pay taxes. But there’s no law that says you gotta leave a tip. Morgan Stanley
  • If you overlook money management, you will end up with money problems. You become financially insecure. The best way to avoid such scenario, is to immediately tackle saving and investing decisions. Once you set up and automate a system to save and invest “enough”, you are done. As long as you don’t step away from your chosen financial habits, you can “finally” overlook money talks for good. Sweat Your Assets
  • It is not what you earn that makes you rich, but what you spend on. Charles Jaffe
  • The real value of money is what you create with it. Edmond De Rothschild
  • The real value of money is its actual purchasing power. Nothing less, nothing more. Sweat Your Assets
  • I remember saying to my mentor, ‘If I had more money, I would have a better plan.’ He quickly responded, ‘I would suggest that if you had a better plan, you would have more money.’ You see, it’s not the amount that counts; it’s the plan that counts. Jim Rohn


  • If the amount of money I saved each month didn’t hurt, I wasn’t saving enough. Sam Dogen (Financial Samurai)
  • No one ever complained of having too many savings.  Sweat Your Assets
  • The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains forethought, and so broadens the mind.  T.T. Munger


  • It is not what you earn that makes you rich, but what you spend on it. Charles Jaffe
  • Wealth is not about having a lot of money; it’s about having a lot of options. Chris Rock
  • No matter how much money you have. If you’re still worried, you aren’t wealthy.  Nick Murray


  • There is a wise saying among boat owners. You know you can truly buy and maintain a boat, when you could even buy (and maintain) ten of them. I think this is a good heuristic when you “feel” buying yourself an expensive toy with high running costs and fast depreciation (sports cars, boats, etc.). Alex Baroni (reference: CK Louis Youtube Video)
  • You can never get enough of what you don’t need. Dallin G. Oaks


  • To everyone who finds the current investment climate hard and difficult and somewhat confusing, I would say: Welcome to adult life. Charlee Munger
  • Virtually all investors – even the best – diversify their portfolios. We may have a sense for which holding is the absolute best, but I’ve never heard of an investor with a one-asset portfolio. They may overweight favorites to take advantage of what they think they know, but they still diversify to protect against what they don’t know. That means they sub-optimize, potentially trading off some of their chance at a maximal return to increase the likelihood of a merely excellent one. Howard Marks
  • Benign neglect is the secret to long-term investing success. Charles Ellis
  • One thing a lot of investors do is cut their flowers and water their weeds. They sell their winners and keep their losers, hoping the losers will come back even. Generally, it’s more effective to cut your weeds and water your flowers. Sell the things that didn’t work out, and let the things that are working outrun. Lou Simpson
  • If you’re not willing to react with equanimity to a market price decline of fifty per cent two or three times a century, you’re not fit to be a common shareholder and you deserve the mediocre result you’re going to get compared to the people who do have the temperament, who can be more philosophical about these market fluctuations.Charlie Munger
  • Successful investing is to avoid anything that is too hard. Mohnish Pabrai
  • Investing is a constant process of calculating the odds. It’s all probabilities. There is no certainty. Bill Miller
  • Free trading is like giving chainsaws to toddlers. William Bernstein
  • Someone is sitting in the shade today because someone planted a tree a long time ago. Warren Buffett
  • Be Fearful when others are greedy, and greedy when others are fearful. Warren Buffett
  • Give every dollar a job. Alex Baroni
  • If past history was all that was needed to play the game of money, the richest people would be librarians. Warren Buffett
  • The most important investment you can make is in yourself. Warren Buffett
  • You don’t need to be a rocket scientist. Investment is not a game where the guy with 160 IQ beats the guy with 130 IQ. Warren Buffett
  • Rule No. 1: Never lose money. Rule No. 2: Never forget rule No. 1. Warren Buffett
  • The most important quality for an investor is temperament, not intellect. You need a temperament that neither derives great pleasure from being with the crowd or against the crowd.  Warren Buffett
  • The best time to plant a tree was 20 years ago. The second best time is now. Chinese proverb


    • If you want to make everyone happy don’t be a leader, sell ice cream. Steve Jobs
    • Inspiration exists, but it has to find you working. Pablo Picasso
    • Progress, not perfection. Perfectionism is just an advanced form of procrastination. Jeff Walker
    • Of course I’ve got lawyers. They are like nuclear weapons. I’ve got them cause everyone has. But as soon as you use them they screw everything up. Danny DeVito
    • Lawyers are like nuclear weapons. By all rights, they shouldn’t exist, but if some people have them, then you’d better have one too, just in case. John Gierach
    • How to build a career in 7 steps: (1) Do great work (2) Share it publicly (3) Cold email people 2 steps ahead of you (4) Talk about your work and trade ideas. (5) Host events and meet in person. (6) Become friends. (7) Rise together. James Clear
    • Most people overestimate what they can do in one year and underestimate what they can do in ten years. Bill Gates
    • The first draft of everything is s#hit. Ernest Hemingway
    • Entrepreneurship is a personal growth engine disguised as a business pursuit. James Clear
    • Ignore the hype of the startups that you see in the press. Mostly it’s a pack of lies. Half of these startups will be dead in a year. So focus on building your business so you can be the one left standing. Jules Pieri
    • If you’re not embarrassed by the first version of your product, you’ve launched too late. Reid Hoffman
    • Start before you feel ready. Anonymous saying
    • If you haven’t started, then taking action is more important than finding a better strategy.  James Clear
    • You are not separate from your goals by a number of years, but by a number of actions. Douglas Kruger


  • I am an optimist. It does not seem too much use being anything else. Winston Churchill
  • Pessimism of the intellect, optimism of the will. Antonio Gramsci
  • Optimism is a tool that permits us to solve problems more effectively. If used wisely, it brings enthusiasm, inspiration and hope to projects that benefit from them. [And pessimism is a tool as well–it can help you with budgeting, scheduling and other projects. If it works for you, that’s great. Choose your tools wisely.] Seth Godin


  • I tell my kids, what is the difference between a hero and a coward? What is the difference between being [cowardly] and being brave? No difference. Only what you do. They both feel the same. They both fear dying and getting hurt. The man who is [cowardly] refuses to face up to what he’s got to face. The hero is more disciplined and he fights those feelings off and he does what he has to do. But they both feel the same, the hero and the coward. People who watch you judge you on what you do, not how you feel. Cus D’amato (boxing trainer of Mike Tyson).

  • Those who are afraid die every day. Those who are unafraid will only die once. Paolo Borsellino

  • I learned that courage was not the absence of fear, but the triumph over it. The brave man is not he who does not feel afraid, but he who conquers that fear. Nelson Mandela
  • Everything you have ever wanted is sitting on the other side of fear. George Addair


  • A year from now you will wish you had started today. Karen Lamb
  • Every Battle Is Won Before It Is Ever Fought. Sun Tzu
  • A Goal without a Plan is just a wish. Antoine de Saint-Exupéry
  • The best time to plant a tree was 20 years ago. The second best time is now. Chinese proverb
  • I remember saying to my mentor, ‘If I had more money, I would have a better plan.’ He quickly responded, ‘I would suggest that if you had a better plan, you would have more money.’ You see, it’s not the amount that counts; it’s the plan that counts. Jim Rohn
  • No plan of operations extends with any certainty beyond the first encounter with the main enemy forces. Only the layman believes that in the course of a campaign he sees the consistent implementation of an original thought that has been considered in advance in every detail and retained to the end. Helmuth von Moltke


  • What is known is familiar yet unsatisfying. What is unknown is feared yet desired. Life thrives in risks and Dies in stasis. Live. Wu Hsin
  • There is the risk you cannot afford to take, and there is the risk you cannot afford not to take. Peter Drucker
  • The biggest risk is not taking risks…in a world that is changing really quickly, the only strategy that is guaranteed to fail is not taking risks. Mark Zuckerberg
  • Not taking risk is a risk itself.  Anonymous saying
  • Risk Avoidance vs Risk Management: not all risks are meant to be avoided. Some are just meant to be managed. Anonymous saying


  • Hey! Even Tiger Woods needs a swing coach.  Anonymous saying
  • Sometimes you win, sometimes you learn. John C. Maxwell


  • Numbers don’t lie but people can lie with numbers. Daniel J Levitin
  • There are Lies, Damned Lies and Statistics. popular saying


  • Most lucky events in life are opportunities, not outcomes. The value of an opportunity changes depending on how it is treated. Without effort, good luck becomes a missed opportunity. With effort, good luck can become a life-changing event. You need luck and hard work. It’s not either/or. It’s both/and. The result will not walk through the door on its own. James Clear
  • I returned and saw under the sun, that the race is not to the swift, nor the battle to the strong, neither yet bread to the wise, nor yet riches to men of understanding, nor yet favor to men of skill, but time and chance happeneth to them all. King Solomon, (Ecclesiastes 9:11)


  • The trap of self-pity: Nobody’s going to do your life for you. You have to do it yourself, whether you’re rich or poor, out of money or raking it in, the beneficiary of ridiculous fortune or terrible injustice. And you have to do it no matter what is true. No matter what is hard. No matter what unjust, sad, sucky things befall you. Self-pity is a dead-end road. You make the choice to drive down it. It’s up to you to decide to stay parked there or to turn around and drive out. Cheryl Strayed

  • There are no traffic jams along the extra mile. Roger Staubach
  • A bad laundress never finds the right stone / la cattiva lavandaia non trova mai la pietra giusta. Italian proverb
  • Poor thinking is Prohibitively Expensive. Sweat Your Assets
  • Most problems come from our internal state. When we are internally calm, we reason and then respond; we don’t just react. When someone slights us, we don’t lash out with angry words or angry fists. We turn the other cheek. When someone cuts us off, we give them the benefit of the doubt. When things go slower than we want, we wait patiently. When someone is passive-aggressive, we refuse to take the bait. At our best, we put behavior in perspective—both other people’s and our own. We do the right thing, not the easy thing, regardless of influence or pressure. A calm mind is not the absence of conflict or stress, but the ability to cope with it. (FS) Shane Perris

  • Don’t wish for a better year, wish for a better you this year. Marcello Sidoti 

  • Keeping one’s distance from an ignorant person is equivalent to keeping company with a wise man. Ali Bin Abi-Taleb
  • When nothing seems to help, I go and look at a stonecutter hammering away at his rock perhaps a hundred times without as much as a crack showing in it. Yet at the hundred and first blow it will split in two, and I know it was not that blow that did it, but all that had gone before. Stonecutter’s Credo by Jacob Riis
  • To conquer the large, Begin with the small. To change your world, Begin by changing yourself. What needs to be changed? Only the point of view. Wu Hsin
  • Not every problem needs to be overcome, just the ones stopping you from getting where you want to be. Ann Hill
  • When life gives you lemons, make lemonade. Elbert Hubbard
  • “My son, the battle is between two “wolves” inside us all. One is Evil. It is anger, envy, jealousy, sorrow, regret, greed, arrogance, self-pity, guilt, resentment, inferiority, lies, false pride, superiority, and ego. The other is good. It is joy, peace, love, hope, serenity, humility, kindness, benevolence, empathy, generosity, truth, compassion and faith.” The grandson thought about it for a minute and then asked his grandfather: “Which wolf wins?” The old Cherokee simply replied, “The one you feed.” Cherokee story
  • If I have seen further it is by standing on the shoulders of Giants. Isaac Newton
  • Avoiding stupidity is easier than seeking brilliance. Shane Parrish
  • Only the educated are free. Epictetus
  • Discipline equals freedom. Jocko Willink
  • We are long past searching for ideal solutions. We’re now hunting for adequate. Megan McArdle
  • Do something that sucks every day, in constant pursuit of one’s true capacity. David Goggins
  • If you know the enemy and know yourself, you need not fear the result of hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle. Sun Tzu
  • We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Anonymous saying
  • If you want to build a ship, don’t drum up people to collect wood and don’t assign them tasks and work, but rather teach them to long for the endless immensity of the sea./ Si tu veux construire un bateau, fais naître dans le cœur de tes hommes et femmes le désir de la mer. Antoine de Saint-Exupery
  • All models are wrong but some are useful. George Box
  • When a measure becomes a target, it ceases to be a good measure (Goodhart’s Law). Charles Goodhart
  • D= S-M. (D)espair equals (S)suffering without (m)eaning.  The moment you can see a meaning in your [accidental] suffering, you can mould it into an achievement. Turn a tragedy into a personal triumph. Viktor E. Frankl
  • Life can only be understood backwards but must be lived forwards. Soren Kierkegaard
  • Experience comes from mistakes. Success comes from good judgement. Anonymous saying
  • Between stimulus and response, there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom. Viktor E. Frankl
  • What would this look like if it were easy? Tim Ferriss
  • It is impossible to get better and look good at the same time. Julia Cameron
  • What can be asserted without evidence can also be dismissed without evidence. (Hitchens’s razor). Christopher Hitchens
  • One way to spot a poor thinker is to see how many of their decisions boomerang back to them. If poor thinkers make poor decisions it stands to reason those decisions will eventually create more problems. More problems consume more time, leaving them even less time to think about new problems. The time used to correct poor thinking comes from the time that could be used for good thinking. Good thinkers understand a simple truth: you can’t make good decisions without good thinking and good thinking requires time. Good thinking is expensive but poor thinking costs a fortune. Shane Parrish
  • I always prefer to believe the best of everybody; it saves so much trouble. Rudyard Kipling
  • One of the biggest things holding people back from doing great work is the fear of making something lame. And this fear is not an irrational one. Many great projects go through a stage early on where they don’t seem very impressive, even to their creators. You have to push through this stage to reach the great work that lies beyond. But many people don’t. Most people don’t even reach the stage of making something they’re embarrassed by, let alone continue past it. They’re too frightened even to start. Paul Graham
  • One of the biggest keys to success at anything hard is believing that you can figure it out as you go along. A lot of people won’t start until they figure it out. And because most hard things can’t be figured out in advance, they never start. Shane Parris
  • What’s boring doesn’t get attention and what’s exciting doesn’t drive results. Most people are so focused on optics they forget that it’s the repetition of the boring basics that makes a difference. Shane Parris
  • We have met the enemy, and he is us. Naval officer Oliver Hazard Perry
  • Dig the well before you’re thirsty. Chinese proverb
  • When you genuinely have passion for what you are doing, failing at it or succeeding is almost irrelevant because you are taking pleasure from the process. It absorbs you. Not surprisingly, passion is a cornerstone for mastery. Alex Baroni
  • I find it fascinating that most people plan their vacations with better care than they plan their lives. Perhaps that is because escape is easier than change. Jim Rohn
  • If you need things to be a certain way, you are held hostage by them. Jonny Wilkinson
  • More effort is wasted doing things that don’t matter than is wasted doing things inefficiently. Elimination is the highest form of optimization. James Clear
  • The magic is that there is no magic. Start where you are. Don’t stop. Seth Godin
  • The burnt customer certainly prefers to believe that he has been robbed rather than that he has been a fool on the advice of fools. Fred Schwed
  • The person who thinks it is impossible should not interrupt the person doing it. Chinese proverb
  • A healthy man wants a thousand things. A sick man only wants one. Confucius
  • It takes as much energy to wish as it does to plan. Eleanor Roosevelt
  • When you’re young, you have so much time but never enough money. When you’re old, you have money but never enough time. How you perceive and value time and money will change many times throughout your life, but in the end, there’s only one you’ll want more of, would give anything for, but it won’t be available at any price. Cherish it while you can. John Boorman
  • Believe those who are seeking the truth. Doubt those who find it. Andre Gide
  • If the direction is correct, sooner or later, you will get there. Chinese proverb
  • Any decision is, in essence, a prediction about the future. Annie Duke
  • The teacher learns more than the student. The author learns more than the reader. The speaker learns more than the attendee. The way to learn is by doing. James Clear
  • Poor thinking is prohibitively expensive. Alex Baroni
  • You can never get enough of what you don’t need. Dallin G. Oaks


  • It is better to be roughly right than precisely wrong. John Maynard Keynes
  • It is better to be an optimist who is sometimes wrong than a pessimist who is always right. Mark Twain
  • Perfectionism is paralyses and procrastination. Anonymous saying
  • Investing is a constant process of calculating the odds. It’s all probabilities. There is no certainty. Bill Miller
  • Although our intellect always longs for clarity and certainty, our nature often finds uncertainty fascinating. Carl Von Clausewitz
  • Earlier theorists aimed to equip the conduct of war with principles, rules, or even systems, and thus considered only factors that could be mathematically calculated (e.g., numerical superiority; supply; the base; interior lines).  All these attempts are objectionable, however, because they aim at fixed values. In war everything is uncertain and variable, intertwined with psychological forces and effects, and the product of a continuous interaction of opposites. Carl Von Clausewitz
  • No plan of operations extends with any certainty beyond the first encounter with the main enemy forces. Only the layman believes that in the course of a campaign he sees the consistent implementation of an original thought that has been considered in advance in every detail and retained to the end. Helmuth von Moltke


  • Happiness must happen, and the same holds for success: you have to let it happen by not caring about it. Viktor Frankl
  • If you don’t get everything you want, think of the things you don’t get that you don’t want. Oscar Wilde
  • Whereas pain is a physical experience, suffering is a mental one. It is the sense that things should be other than they are. Its antidote is Acceptance. Wu Hsin
  • The expectation is the grandfather of disappointment. The world can never own a man who wants nothing. Wu Hsin
  • To search for happiness Implies its absence. This implication is a fundamental flaw. Happiness is ever-present. It may become obscured, Such obscuration being temporary. Wu Hsin
  • There is no way to happiness. Happiness is the way. Budda
  • Happiness is ultimately free. It is unhappiness that is truly expensive. Alex Baroni
  • If I feel unhappy now when I will ever feel happy? Probably never. So, I decide to be happy now! Anonymous saying 
  • You don’t need a reason to be happy.  Alex Baroni
  • Be happy for no reason like a child. If you are happy for a reason you are in trouble because that reason can be taken away from you. Deepak Chopra
  • Success is getting what you want. Happiness is wanting what you get. Dale Carnegie


  • Ideas are commodities. Execution of them is not. Michael Dell
  • People don’t have ideas. Ideas have people. Carl Jung
  • Nothing is more dangerous than an idea when it is the only one you have.  Emile Chartier Alain


  • The surefire way to end up worse off is to agonize over unchosen options and fail to make the most of the one you selected. Every minute spent yearning for your unlived lives is a moment you can’t invest in the one you actually have. Choices matter, but so does your level of commitment.” James Clear


  • You’re free when no one can buy your time. Shane Parrish
  • Only the educated are free. Epictetus
  • Discipline equals freedom. Jocko Willink


  • Asset allocation matters, but attention allocation matters far more. Nick Maggiulli
  • Time is what we want most, but what we use worst. William Penn
  • Life is long if you know how to use it. Seneca
  • Time is your most valuable asset. Don’t waste it. Don’t let anyone steal it.  Unknown


  • You can never get enough of what you don’t need. Dallin G. Oaks


  • Don’t let anyone argue with your dreams, not even yourself. Alex Baroni
  • Dreams are not what you see in sleep. A dream is something that doesn’t let your sleep. A.P.J. Abdul Kalam


  • Nothing succeeds like failure. Failure is a natural call for attention, like pain. To pay attention is to step out of your trance. Wu Hsin


  • A healthy man wants a thousand things, a sick man only wants one. Confucius


  • Others may hate you, but those who hate you don’t win unless you hate them, and then you destroy yourself. Richard Nixon
  • It is possible for two things to be true at the same time: We might be “justified” if we hate someone AND it is still in our best interests to refrain from hating. There are viable alternatives to hatred. You can move from hatred to indifference. If you have been treated poorly in a personal or business context, disassociate and move on. The Rational Walk
  • Hanging onto resentment is letting someone you despise live rent-free in your head. Advice Columnist Ann Landers


  • We make a living by what we earn – we make a life by what we give. Winston Churchill
  • Give a man a fish, and you feed him for a day. Teach a man to fish, and you feed him for a lifetime. Anonymous saying 
  • it was once said that the moral test of government is how that government treats those who are in the dawn of life, the children; those who are in the twilight of life, the elderly; and those who are in the shadows of life, the sick, the needy and the handicapped. Hubert H. Humphrey
  • A society grows great when old men plant trees in whose shade they know they shall never sit. Greek proverb
  • No one would remember the Good Samaritan if he’d only had good intentions; he had money as well. Margaret Thatcher


  • The greatest advantage from gambling comes from not playing it at all. French philosopher
  • Compound interest is the eighth wonder of the world. He who understands it earns it… he who doesn’t… pays it. Anonymous
  • “Too many people spend money they earned… to buy things they don’t want… to impress people that they don’t like.” Will Rogers
  • We never want to count on the kindness of strangers in order to meet tomorrow’s obligations. When forced to choose, I will not trade even a night’s sleep for the chance of extra profits. Warren Buffett
  • Stocks are investments. Cash is not. “The one thing I will tell you is the worst investment you can have is cash. Everybody is talking about cash being king and all that sort of thing. Cash is going to become worthless over time. But good businesses are going to become worth more over time.” Warren Buffett
  • When you invest, you are buying a day you won’t have to work. Aya Laraya
  • We have long felt that the only value of stock forecasters is to make fortune-tellers look good. Warren Buffett
  • Only when the tide goes out do you discover who’s been swimming naked.” In a bull market, everybody’s a genius. But a bear market reveals who’s got what it takes to achieve long-term success — and who doesn’t. Warren Buffett
  • What we learn from history is that people don’t learn from history. When investors get either too fearful or too greedy, they sometimes hide behind the notion that “This time it’s different.” Usually, they regret it. Warren Buffett
  • Diversification is a hedge against ignorance. Warren Buffett
  • If you don’t find a way to make money while you sleep, you will work until you die. Warren Buffett
  • The shortest route to wealth is the contempt of wealth. Seneca (the younger)
  • A man is rich in proportion to the number of things which he can afford to let alone. Henry David Thoreau
  • Money is a great servant but a bad master. Francis Bacon
  • If you don’t know where you are going, any road will get you there. Lewis Carroll
  • Money does not solve money problems; it is not the answer to your money woes, but financial literacy is: understanding how money works solve money problems. If you’ve got a faulty money flow pattern, more money will just magnify it. Ann Wilson
  • You have one life. Invest it wisely. Sweat Your Assets
  • Don’t major on minor things. Jim Rohn
  • Money can buy many things, but nothing more valuable than your time, your freedom and your peace of mind. Sweat Your Assets
  • You miss 100% of the shots you don’t take. Wayne Gretzky
  • We don’t have problems. We have situations. If you deal with a situation it never becomes a problem. Deal with it while it is a situation. when it gets to be a problem, now you gonna have issues. Tim S. Grover
  • Profit is the applause you get from taking care of your customers, treating people well, your Environment, clients for the service you give. Making Money is not a worthwhile goal. It is a by-product of doing good things. Ken Blanchard
  • Our grand business undoubtedly is, not to see what lies dimly at a distance, but to do what lies clearly at hand. Thomas Carlyle
  • We generally change ourselves for one of two reasons: inspiration or desperation. Jim Rohn
  • Wealth is the slave to the wise but master of the fools. Seneca
  • Buying a bond only for its yield is like getting married only for the sex. Benjamin Graham
  • How many arbitrary parameters did you use for your calculations? I remember my friend J. von Neumann used to say: with four parameters I can fit an elephant, and with five I can make him wiggle his trunk. Enrico Fermi
  • The Stock Market is designed to transfer money from the active to the patient. Warren Buffett
  • Don’t tell me where your priorities are. Show me where you spend your money and I’ll tell you what they are. James W. Frick
  • Do not revel in great luxury, lest you become impoverished by its expense. Do not become a beggar by feasting with borrowed money, when you have nothing in your purse. Sirach 18:32-33 (Book of Ecclesiasticus)
  • It can be your diet. Your daily habit. Your gym’s schedule. Your job. You plan. Maybe you like it, maybe you are used to that. Maybe it was suggested to you. Maybe…it is what it is. However, ask yourself a question: is it serving you well? Otherwise, change it! Sweat Your Assets