Using the power of decision gives you the capacity to get past any excuse to change any and every part of your life in an instant. It can change your relationships, your working environment, your level of physical fitness, your income, and your emotional states. It can determine whether you’re happy or sad, whether you’re frustrated or excited, enslaved by circumstances, or expressing your freedom. It’s the source of change within an individual, a family, a community, a society, our world.

While it's time to master your money, don't wait to master yourself. The fastest way to feel connection, a sense of how significant your life is, a deep sense of certainty and variety, and put yourself in a state where you can give to others, is to find a way each day to appreciate more and expect less. The wealthiest person on earth is one who appreciates.

Waste no more time arguing about what a good man should be. Be one. — MARCUS AURELIUS Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver. — AYN RAND