“If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s total annual realized income.”

“Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be.”

“Whatever your income, always live below your means.”

“Money should never change one’s values…. Making money is only a report card. It’s a way to tell how you’re doing.”

“The “some college,” “four-year college graduate,” and “no college” types who have high incomes often had a head start on many well-educated workers.”

“Good health, longevity, happiness, a loving family, self-reliance, fine friends … if you [have] five, you’re a rich man….”

“Wealth is more often the result of a lifestyle of hard work, perseverance, planning, and, most of all, self-discipline.”