After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term.

Buy experiences, not things. Spending on experiences makes people happier than spending on things. Things get broken and go out of style. Experiences get better every time you talk about them.

You can have a do-over starting today. But you have to get over the feeling that it's too late

It's not about having it all. It's about having what you value most.

You'll get much better results by being upfront, answering creditors calls, and responding to their letters. Delaying the inevitable only digs a deeper hole.

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later.

A little personality goes a long way.

Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.

One thing I want to make clear: You never want to hide from your debts. It doesn't work.

The interest rate you receive, however, is contingent on your credit score.

Rolling all of your debts into a single loan is a good idea - in theory. In fact, it can be a great idea.

Under a government which imprisons any unjustly the true place for a just man is also a prison.

Cautious careful people always casting about to preserve their reputation and social standing never can bring about a reform.

A man of integrity will never listen to any reason against conscience.

When we are not honest, we are cut off from a significant resource of ourselves, a vital dimension that is necessary for unity and wholeness.

You will become tired, Siddhartha." "I will become tired." "You will fall asleep, Siddhartha." "I will not fall asleep." "You will die, Siddhartha." "I will die.

I've always thought that a name says a lot about a person. So naturally, being named Howard, I always wanted to crawl into a hole.

The one who always strives, That one can be redeemed.

Every time I see a cardinal, I know my grandmother is with me. This regal, red bird was Grandma's favorite.

I deal with what "is," not with what I wish was or not with what was or used to be.

One has attained a very fortunate incarnation, I think, to be in a culture, in a place, in a time when psychedelic knowledge is available.