You have to be smart. The easy days are over.

I have a problem with too much money. I can't reinvest it fast enough, and because I reinvest it, more money comes in. Yes, the rich do get richer.

Inside of every problem lies an opportunity.

Face your fears and doubts, and new worlds will open to you.

A game is like a mirror that allows you to look at yourself.

You have to be smart. The easy days are over.

The size of your success is measured by the strength of your desire; the size of your dream; and how you handle disappointment along the way.

A lot of people are afraid to tell the truth, to say no. That's where toughness comes into play. Toughness is not being a bully. It's having backbone.

We go to school to learn to work hard for money. I write books and create products that teach people how to have money work hard for them.

When people are lame, they love to blame.

Academic qualifications are important and so is financial education. They're both important and schools are forgetting one of them.

If you want to go somewhere, it is best to find someone who has already been there.

Money is kind of a base subject. Like water, food, air and housing, it affects everything yet for some reason the world of academics thinks it's a subject below their social standing.

I still consider myself a little, fat kid from Hawaii.

'Credit' is another word for trustworthiness.

'Socialize' means we turn more of our personal powers over to Big Brother, not free enterprise.

A financial crisis is a great time for professional investors and a horrible time for average ones.

A short squeeze could happen with the U.S. dollar if lenders suddenly forced debtors to pay in cash.

A true capitalist doesn't have a job, because other people and other people's money work for them.

All empires come to an end, and the American one is no exception.

Although I don't like the way the Chinese do business, I continue to do business in China. I have to. They're the next world power.

An active investor is someone who actually lives off their investments as opposed to wages from a job.

An example of good debt is the debt on the apartment houses I own. That debt is good only as long as there are tenants to pay my mortgages. If tenants stop paying their rent, my good debt turns into bad debt.

Any time an investment company has to spend heavily on advertising, it's probably a bad business in which to invest.

As a bull market turns into a bear market, the new pros turn into optimists, hoping and praying the bear market will become a bull and save them. But as the market remains bearish, the optimists become pessimists, quit the profession, and return to their day jobs. This is when the real professional investors re-enter the market.

As a precious metal, silver is also money.

As a young kid, I really wanted to be rich.

As capitalism falters, the rich move their money out of the country, violence increases, and politicians promising prosperity are elected.

As long as you blame someone or something else - something outside you that's bigger than you are - as the source of your problems, the problems won't get solved.

As you know, low demand and high supply means a drop in value of anything, including the dollar.

Assets put money in your pocket, whether you work or not, and liabilities take money from your pocket.

At my lowest point, I was nearly $700,000 in debt.

At the height of the Enron mania, the company's market value was $65 billion. Once the dust cleared, the final value was $0.

Bad debt is debt that makes you poorer. I count the mortgage on my home as bad debt, because I'm the one paying on it. Other forms of bad debt are car payments, credit card balances, or other consumer loans.

Being politically correct means saying what's polite rather than what's accurate. I like to be accurate.

By 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card.

Commodities such as gold and silver have a world market that transcends national borders, politics, religions, and race. A person may not like someone else's religion, but he'll accept his gold.

Confidence comes from discipline and training.

Critics only make you stronger. You have to look at what they are saying as feedback. Sometimes the feedback helps, and other times, it's just noise that can be a distraction.

Deflation isn't good, and inflation is easier to cure than deflation.

Demographics show that we are entering a battle between young and old. I call it the 'Age War.' The young want to hang onto their money to grow their families, businesses, and wealth. The old want the tax and investment dollars of the young to sustain their old age.

During the Enron debacle, it was workers who took the pounding, not bankers. Not only did Enron employees lose their jobs, many lost their retirement savings. That's because they were at the bottom of the investing food chain.

Education is what you learn after you leave school.

Even if the economy crashes, we will still burn oil.

Even though the risks of death are higher driving than flying, many people would rather drive simply because they feel they have more control driving. The facts are that only a few hundred people die a year flying, and 44,000 are killed a year driving.

Every time I hear a politician mention the word 'stimulus,' my mind flashes back to high school biology class, when I touched battery wires to a dead frog to make it twitch.

Every time the Fed implements 'quantitative easing,' a.k.a. printing more money, two things go up: taxes and inflation. When taxes and inflation go up, more jobs are lost.

Everybody could be an entrepreneur, but very few will become very rich entrepreneurs.

Everything the working class has been told to do, the rich do not do. That is my message.