We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products.

I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful.

A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy.

I believe that through knowledge and discipline, financial peace is possible for all of us.