Dr Phil McGraw

If I was on the air and was just kind of a plain-vanilla personality that took the safe road and the safe way trying to please all of the people all of the time, I’d been gone in two weeks.

You are your own most important resource for making your life work. Life rewards action. Until your knowledge, awareness, insights, and understandings are translated into action, they are of no value.

The difference between winners and losers is that winners do things losers don’t want to do.

In life you have three options with any situation that is a challenge. Remove yourself from the situation, change it, or accept it.

If you don’t have a plan, days turn into weeks, weeks turn into months, months turn into years, and before you know it you’re looking back saying, I should’ve had a plan.

Happiness isn’t a one-size-fits-all proposition. You must define what it looks like for you and then make a conscious effort to access whatever gets you to your unique definition of joy.

We all think we’re going to get out of debt.

We must not let our rulers load us with perpetual debt.

Owing money has never concerned me so long as I know where it could be repaid.

If you’re thinking of debt, that’s what you’re going to attract.

Debts are like children: the smaller they are the more noise they make.

Before borrowing money from a friend, decide which you need most.

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

The second vice is lying, the first is running in debt.

Debts are nowadays like children begot with pleasure, but brought forth in pain.

Debt is great source of inner unhappiness.

The only reason I made a commercial for American Express was to pay for my American Express bill!

Private student loans should be avoided at all costs.

One can pay back the loan of gold, but one lies forever in debt to those who are kind.

In the long run we shall have to pay our debts at a time that may be very inconvenient for our survival.

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