It was shocking to realize how many low-income Americans don't have savings accounts.

One of the big lessons from behavioral economics is that we make decisions as a function of the environment that we're in.

Even the most analytical thinkers are predictably irrational; the really smart ones acknowledge and address their irrationalities.

The idea that you will make the right decision every time is very unlikely.

Your immediate environment is comprised of coffee shops, supermarkets, websites, apps and all kinds of things - none of which have an interest in your long-term or short-term financial well-being.

Giving up on our long-term goals for immediate gratification, my friends, is procrastination.

Companies, however unintentionally, choke the motivation out of their employees.

Honesty is a complex and tricky thing, and we don't want to be honest all the time.

The most difficult thing is to recognize that sometimes we too are blinded by our own incentives. Because we don’t see how our conflicts of interest work on us.

Thinking is difficult and sometimes unpleasant.

Brands communicate in two directions: they help us tell other people something about ourselves, but they also help us form ideas about who we are.

You have to bind the devil and command him to set these people free.

I can't give you the sunset, but I can give you the night.

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Is it possible to love someone and then stop loving them? I don't think I even know what love is

Africans didn't want saving, thank you very much, least of all not by me.

The same words come from each mouth differently.

God show me the way because the Devil trying to break me down

A script is utterly useless in and of itself; it's only of any worth the minute your actors, your designers, your directors come into being.

God's patience is infinite. Men, like small kettles, boil quickly with wrath at the least wrong. Not so God. If God were as wrathful, the world would have been a heap of ruins long ago.

I'd rather talk to people who do things than complain about other people who do things. I say they're idiots.