1) A wise person should have money in their head, but not in their heart. --Jonathan Swift 2) Money often costs too much. --Ralph Waldo Emerson 3) “Personal finance is only 20% head knowledge. It’s 80% behavior!” –Dave Ramsey 4) “It’s not your salary that makes you rich, it’s your spending habits.” –Charles Jaffe 5) “You’ve got to tell your money what to do or it will leave.” –Dave Ramsey

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