It’s never too late to start. It’s always too late to wait.

If you don’t have money handled, you don’t live free.

One last thing about past and future – and I have saved the best for last. You can’t change the past. You can change the future. Would you rather be influenced by something you can’t change, or by something you can?

Remember: success does not lead to happiness – it’s the other way around.

And some more shocking news: your ship’s not coming – it’s already here. Docked and waiting. You already have the money. You already have the time. You already have the skill, the confidence. You already have everything you need to achieve everything you want.

The predominant state of mind displayed by those people on the failure curve is blame. The predominant state of mind displayed by those people on the success curve is responsibility.

You are either improving or diminishing in personal and professional value.

The great Baseball Hall-of-Famer Tom Seaver put it perfectly: In baseball, my theory is to strive for consistency, not to worry about the numbers. If you dwell on statistics you get shortsighted; if you aim for consistency, the numbers will be there at the end.

Sow an act, reap a habit. Sow a habit, reap a character. Sow a character, reap a destiny.” – Charles Reade.

Sigmund Freud was once asked what people need in order to be able to live a full and happy life. His reply was three words: “Lieben und arbeiten.” Love and work. Work.