“The foundation stone of wealth accumulation is defense, and this defense should be anchored by budgeting and planning.”

“Great offense and poor defense translate into under accumulation of wealth.”

“It’s easier to accumulate wealth if you don’t live in a high-status neighborhood.”

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

“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.”

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

“One of the reasons that millionaires are economically successful is that they think differently.”