Financial literacy and avoiding consumer debt are essential for individual wealth.

“So, we sleepwalk throughout life and we wonder, why am I not rich? Everyone's rich out there. Why am I not rich? The average person, this is what my whole thing is. The average person will be broke.”

Personal discipline is the primary factor in financial success and avoiding debt.

“If you can't afford to buy something, don't buy it. If you can't afford to go buy something that's out of your league and you're trying to impress somebody, don't do it.”