Stop acting rich when you’re broke. You work too hard to have nothing to show for it. It’s time to get out of debt, build an emergency fund, and start building real wealth. Quit the payments, stop the excuses, and take control of your money. You can do this! | Dave Ramsey

When I say “beans and rice, rice and beans,” I don’t actually mean only eat rice and beans! What it represents is so much more than a low grocery bill. It’s about short-term sacrifice for the long-term win. You can do anything for a few months, even a few years to set yourself up for a lifetime of success. You have to live on less than you make in order to pay off debt, in order to save and invest, in order to be generous. You can’t spend more than you make and end up anywhere except bankruptcy

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