The problem is that people basically dangle debt in front of us. And the cost for the poor of course is much higher than for the wealthy.

One of the big lessons from behavioral economics is that we make decisions as a function of the environment that we're in.

Even the most analytical thinkers are predictably irrational; the really smart ones acknowledge and address their irrationalities.

The idea that you will make the right decision every time is very unlikely.

Your immediate environment is comprised of coffee shops, supermarkets, websites, apps and all kinds of things - none of which have an interest in your long-term or short-term financial well-being.

Giving up on our long-term goals for immediate gratification, my friends, is procrastination.

Companies, however unintentionally, choke the motivation out of their employees.

Honesty is a complex and tricky thing, and we don't want to be honest all the time.

The most difficult thing is to recognize that sometimes we too are blinded by our own incentives. Because we don’t see how our conflicts of interest work on us.

Thinking is difficult and sometimes unpleasant.

Brands communicate in two directions: they help us tell other people something about ourselves, but they also help us form ideas about who we are.

Next to a lost battle, nothing is so sad as a battle that has been won.

Perfume is a note of woman's individuality. It is the last touch to her look.

The most satisfying project you will ever undertake-and a mark of a complete human being-is to discover how to build a sense of happiness that no one can take away from you.

Land is something one should never sell. It is the only thing left when all else is gone

The thing that will make the biggest difference to your business, your bank account, your health and your relationships in the next 12 months is your philosophy

Master and Doctor are my titles; for ten years now, without repose, I held my erudite recitals and led my pupils by the nose.

He never holds friends firmly who watches only after their own wants.

Take life one day at a time because every day is a different day with new challenges.

America is woven of many strands. I would recognize them and let it so remain.

You let your past destroy you, or you use it to create something better