Dr Phil McGraw

The difference between you and the person you envy, is that you settle for less.

People who consistently win have a clear and thoughtful strategy. They know what they need to do and when they need to do it. They write it down so they stay on course, and avoid any alternative that does not get them closer to the finish line.

Sometimes you have to make the right decision, and sometimes you have to make the decision right.

Nothing’s funnier to me than laughing at myself.

Know your goal, make a plan and pull the trigger.

Life is a marathon, it’s not a sprint.

Credit buying is much like being drunk. The buzz happens immediately and gives you a lift…. The hangover comes the day after.

If there is anyone to whom I owe money, I’m prepared to forget it if they are.

If I owe you a pound, I have a problem; but if I owe you a million, the problem is yours.

Debt that peculiar nexus where money, narrative or story, and religious belief intersect, often with explosive force.

Do not accustom yourself to consider debt only as an inconvenience. You will find it a calamity.

Some people use one half their ingenuity to get into debt, and the other half to avoid paying it.

A small debt produces a debtor; a large one, an enemy.

Good times are when people make debts to pay in bad times.

A mortgage casts a shadow on the sunniest field.

I like my players to be married and in debt. That’s the way you motivate them.

To preserve their independence, we must not let our rules load us with perpetual debt. We must make our election between economy and liberty, or profusion and servitude.

You should always live within your income, even if you have to borrow to do so.

Speak not of my debts unless you mean to pay them.

Interest on debts grow without rain.

Live within your means, never be in debt, and by husbanding your money you can always lay it out well.