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

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.

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.

No company can promise an end date, but if you have multiple debts, the first one should be settled within a year.

Clarification is not to clarify things. It is to put one’s self in the clear (Sir Humphrey Appleby)

I am so busy doing nothing... that the idea of doing anything - which as you know, always leads to something - cuts into the nothing and then forces me to have to drop everything.

I actually love modeling clothing and showing women that clothing and style can help your confidence shine.

The only thing you can lose is ... your connection to who-you-are.

When the fire goes out, you'll start feeling the cold. You'll wake up whether you want to or not.

Yes, writing is not easy. But can any writer imagine NOT writing?

Any librarian or scholar will tell you: Close is not the same as accurate.

All the human beings I met were either sure that there would be no afterlife or else that they would get preferential treatment in the hereafter.

Hitler had this understanding that you speak to people's deepest, darkest emotions and give them voice that can be incredibly effective.

The majority of my training was as a drummer, and drummers are basically accompanists.