“For many, graduation marks the end of formal student life - the end of long spring breaks and of thinking that a 10 A.M. class is far too early.”

“It is critical that kids start to learn the value of money, short-term and long-term saving and budgeting at an early age.”

“Kids can learn a lot about necessities and wants by recognizing what people live without. A common routine, but one that should not be overlooked, is having a family donation to a charity for those...”

“A good financial plan is a road map that shows us exactly how the choices we make today will affect our future.”

“If you're trying to diet, what do you do? You grab your two friends and say, 'We're going to the gym; let's do this together.' Money shouldn't be any different. If you're trying to make progress, i...”

“Without any formal personal finance instruction in our high school or college curricula, many college seniors who graduate in the red will continue to make common financial mistakes that only exace...”

“Education doesnt make you happy. Nor does freedom. We dont become happy just because were free if we are. Or because weve been educated if we have. But because education may be the means by which...”

“Because I trust in the ever-changing climate of the heart. (At least, today I feel that way.) I think it is necessary to have many experiences for the sake of feeling something; for the sake of bei...”

“The past has no power over the present moment.”

“The land of easy mathematics where he who works adds up and he who retires subtracts.”

“At the age of 45, most days in Tucson were spent feeling like I was on the summit of Mauna Kea, as I was exhibiting debilitating health symptoms that corresponded to what I saw at very high altitud...”

“The hour is only long thus, if you've waited.”

“Wise are my ways witty my actions”

“I believe in only one thing,the power of human will.”

“Things can turn out differently, Apollo. That's the nice thing about being human. We only have one life, but we can choose what kind of story it's going to be.”