Financially Broke Quotes

Alcohol ruined me financially and morally, broke my heart and the hearts of too many others. Even though it did this to me and it almost killed me and I haven't touched a drop of it in seventeen years, sometimes I wonder if I could get away with drinking some now. I totally subscribe to the notion that alcoholism is a mental illness because thinking like that is clearly insane.

You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.

I do like him. I'm sick of just liking people. I wish to God I could meet somebody I could respect.... .... Listen, don't hate me because I can't remember some person immediately. Especially when they look like everybody else, and talk and dress and act like everybody else." Franny made her voice stop. It sounded to her caviling and bitchy, and she felt a wave of self-hatred that, quite literally, made her forehead begin to perspire again. But her voice picked up again, in spite of herself. "I don't mean there's anything horrible about him or anything like that. It's just that for four solid years I've kept seeing Wally Campbells wherever I go. I know when they're going to be charming, I know when they're going to start telling you some really nasty gossip about some girl that lives in your dorm, I know when they're going to ask me what I did over the summer, I know when they're going to pull up a chair and straddle it backward and start bragging in a terribly, terribly quiet voice--or name-dropping in a terribly quiet, casual voice. There's an unwritten law that people in a certain social or financial bracket can name-drop as much as they like just as long as they say something terribly disparaging about the person as soon as they've dropped his name—that he's a bastard or a nymphomaniac or takes dope all the time, or something horrible." She broke off again. She was quiet for a moment, turning the ashtray in her fingers. Franny quickly tipped her cigarette ash, then brought the ashtray an inch closer to her side of the table. "I'm sorry. I'm awful," she said. "I've just felt so destructive all week. It's awful, I'm horrible.

If you are financially broke or feel stuck, there's a part of you, something about you, or something in you that has worked so hard to get you here. Sadly, it's all you, in your vibration. The sooner we accept this truth, the sooner we take full responsibility and do all we can to free ourselves from the negative bondage.

Better to look broke and debt-free than to look good and in deep debt.

Few people knew how much I was struggling both emotionally and financially, because I didn’t talk to anyone about it or even understand how bad off I was.

Normal in America is broke. So if you do normal behaviors, you will be broke, and if your kids are financially normal, they will be broke.

Saving for a down payment or cash purchase of a home should occur after becoming debt-free in Step Two and after finishing the emergency fund in Step Three. That makes saving for a down payment Baby Step Three (b). You should save for the home if you have the itch before moving on to the next step. Many people are worried about getting a home, but please let it be a blessing rather than a curse. It will be a curse if you buy something while you are still broke. There are all sorts of folks who are eager to “work with you” so you can make it happen sooner, but the definition of “Creative Financing” is “Too Broke to Buy a House.

If someone had told me adulthood was equal parts being broke, depressed, and taking care of my family financially, I would have opted out and tried to find a one-way ticket to Neverland. “What

The reality is that Murphy doesn’t visit as much, but when he does, we hardly notice his presence. When Sharon and I were broke, our heating-and-air system quit, and the repair cost $580. It was a huge, hairy deal. Recently I had a new $570 water heater installed because the old one started leaking, and I hardly noticed. I wonder if the stress relief that your Total Money Makeover provides will allow you to live longer?

was greed that broke Wall Street, not the lack of financial algorithms.

We call you uneducated when you have 50-5000 friends on Facebook and you are still broke

IDEAS ARE THE CURRENCY OF LIFE. Not money. Money gets depleted until you go broke. But good ideas buy you good experiences, buy you better ideas, buy you better experiences, buy you more time, save your life. Financial wealth is a side effect of the “runner’s high” of your idea muscle.

One would think that having grown up broke would make one desperate for financial stability, eager to rest in the economic security of a good job. Rather, it gave me the freedom to take chances. I knew how to get by on next to nothing.

One way to do that is to sell something. You could sell lots of little stuff at a garage sale, sell a seldom-used item on the Internet, or sell a precious item through the classifieds. Get gazelle-intense and sell so much stuff that the kids are afraid they are next. Sell things that make your broke friends question your sanity. If your budget is stopped-up and your Debt Snowball won’t roll on its own, you are going to have to get radical.

We had all opted to take City's financial reporting course work, which, in theory, meant we wanted to write about stock prices and corporate takeovers. That, of course, was a joke. No one still in their twenties, and broke, goes into journalism to write about money—a subject in which they still have zero practical experience.

Being broke is not a financial status; it’s a state of mind.

Above all, America sapped its strength by deciding to occupy Afghanistan and then invade Iraq. The failure of those interventions broke the mystique of America’s military might. Worse, the invasion showed the US violating the rules-based order it had long championed. Next came the global financial crisis of 2008, which dispelled the aura of America’s economic might.

Coffee was a serious thing when I worked at a German company. It was the only company I ever worked at that had an expresso machine. I knew the place was in financial trouble when the expresso machine broke and it was never fixed!

They painted one another and painted next to one another and supported one another emotionally and financially, and today their paintings hang in every major art museum in the world. But in the 1860s, they were struggling. Monet was broke. Renoir once had to bring him bread so that he wouldn’t starve. Not that Renoir was in any better shape. He didn’t have enough money to buy stamps for his letters. There were virtually no dealers interested in their paintings.

According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find: only one will be wealthy; four will be financially secure; five will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.

If you had saved $20 per week for just ten weeks, you could have bought the scratch-and-dent model off the floor at the same Rent-to-Own store for $200! Or you could have bought a used set out of the classifieds or online. It pays to look past the weekend and suffer through going to the Laundromat with your quarters. When you think short term, you always set yourself up for being ripped off by a predatory lender. If the Red-Faced Kid (“I want it, and I want it now!”) rules your life, you will stay broke!

Nothing brings home the fragility of the banking system or the potency of a financial crisis more vividly than writing about these issues from the eye of the storm. Watching the world’s central bankers and finance officials grappling with the current situation—trying one thing after another to restore confidence, throwing everything they can at the problem, coping daily with unexpected and startling shifts in market sentiment—reinforces the lesson that there is no magic bullet or simple formula for dealing with financial panics.

Twist and wring out the budget, work extra hours, sell something, or have a garage sale, but quickly get your $1,000. Most of you should hit this step in less than a month. If it looks as though it is going to take longer, do something radical. Deliver pizzas, work part-time, or sell something else. Get crazy. You are way too close to the edge of falling over a major money cliff here. Remember, if the Joneses (all the broke people) think you are cool, you are heading the wrong way. If they think you are crazy, you are probably on track.

the gold standard was incapable of preventing the sort of financial booms and busts that were, and continue to be, such a feature of the economic landscape. These bubbles and crises seem to be deep-rooted in human nature and inherent to the capitalist system. By one count there have been sixty different crises since the early seventeenth century—the first documented bank panic can, however, be dated to A.D. 33 when the Emperor Tiberius had to inject one million gold pieces of public money into the Roman financial system to keep it from collapsing.

seldom list my formal academic credentials because, honestly, I don’t think they are important. I have met so many broke people with financial credentials that I almost think it discredits me to have had formal training. Yes, I have a degree in finance. Yes, I have been or am licensed in real estate, insurance, and investments. Yes, I do have many of the stupid letters to put after my name. But the thing that qualifies me most to teach about money is that I have done stupid things with zeros on the end. I have been there, done that. I have a PhD in D-U-M-B.

Mamaw could spew venom like a Marine Corps drill instructor, but what she saw in our community didn’t just piss her off. It broke her heart. Behind the drugs, and the fighting matches, and the financial struggles, these were people with serious problems, and they were hurting. Our neighbors had a kind of desperate sadness in their lives.

Being independently wealthy is every bit as much about limiting needs as it is about how much money you have. It has less to do with how much you earn—high-income earners often go broke while low-income earners get there—than what you value. Money can buy many things, none of which is more important than your financial independence. Here’s

One way to do that is to sell something. You could sell lots of little stuff at a garage sale, sell a seldom-used item on the Internet, or sell a precious item through the classifieds. Get gazelle-intense and sell so much stuff that the kids are afraid they are next. Sell things that make your broke friends question your sanity. If your budget is stopped-up and your Debt Snowball won’t

Many of you reading this are convinced that you could become wealthy if you could get out of debt. The problem now is that you are feeling more and more trapped by the debt. I have great news! I have a foolproof, but very difficult, method for getting out of debt. Most people won’t do it because they are average, but not you. You have already figured out that if you will live like no one else, later you can live like no one else. You are sick and tired of being sick and tired, so you are willing to pay the price for greatness. This is the toughest of all the Baby Steps to your Total Money Makeover. It is so hard, but it is so worth it. This step requires the most effort, the most sacrifice, and is where all your broke friends and relatives will make fun of you (or join you).

Not at Lehman Brothers, which collapsed in 2008, and not on Wall Street; Greece was where the fire broke out. One heard the word contamination again and again, but this time it was no imperial cultural contamination, no creeping process of civilization. This time the crisis was a contagion: debts and obligations that would never be repaid, a gradual deterioration of the financial immune system.

Approximately 95% of our society settles for far less than they want in life, wishing they had more, living with regret and never understanding that they could be, do, and have all that they want. According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find:  only 1 will be wealthy; 4 will be financially secure; 5 will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them. Monetarily speaking, that’s only 5% of us who will be successful in creating a life of freedom, and 95% who will continue to struggle their entire lives.

Adam Smith, with his half-baked idea about a hidden hand that works the cotton looms, decides to use that as his central metaphor for unrestrained Free Market capitalism. You don’t need to regulate the banks or the financiers when there’s an invisible five-fingered regulator who’s a bit like God to make sure that the money-looms don’t snare or tangle. That’s the monetarist mystic idol-shit, the voodoo economics Ronald Regan put his faith in, and that middle-class dunce Margaret Thatcher when they cheerily deregulated most of the financial institutions. And that’s why the Boroughs exists, Adam Smith’s idea. That’s why the last fuck knows how many generations of this family are a toilet queue without a pot to piss in, and that’s why everyone we know is broke. It’s all there in the current underneath that bridge down Tanner Street. That was the first one, the first dark, satanic mill.

If you learn to control your finances, you won’t find yourself stuck in jobs, places, or relationships that you hate just because you can’t afford to go elsewhere. Learning how to manage your money is one of the most important things you’ll ever do. Being in a good spot financially can open up so many doors. Being in a bad spot can slam them in your face. And being broke gets old, so start making smart decisions now to avoid paying for stupid ones later.

According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find: only 1 will be wealthy; 4 will be financially secure; 5 will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.

According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find:  only 1 will be wealthy; 4 will be financially secure; 5 will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.

At her dressing table putting on earrings. She is a pretty woman in the prime of life, and her ignorance of financial necessity is complete. Her neck is graceful, her breasts gleamed as they rose in the cloth of her dress, and, seeing the decent and healthy delight she took in her own image, I could not tell her that we were broke. She had sweetened much of my life, and to watch her seemed to freshen the wellsprings of some clear energy in me that made the room and the pictures on the wall and the moon that could see outside the window all vivid and cheerful.

According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find: only 1 will be wealthy; 4 will be financially secure; 5 will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.  Monetarily speaking, that’s only 5% of us who will be successful in creating a life of freedom, and 95% who will continue to struggle their entire lives.

Mary Montrose: This relocation isn’t my wish. How about you relocate some of our neighbors who aren’t Indians? They are sitting on our best land. Mr. Cooper (abrupt laugh): That is out of the question. We are here on your behalf, but we cannot do such a thing. Mr. Hail: We know the Indian Department did not initiate this move that included the Turtle Mountain Chippewa Indians and the reservation. It was an act of Congress. Some members of Congress heard or seem to believe that the Turtle Mountain Chippewa are so far advanced that they should be relinquished by the government. Moses Montrose: We are advanced in some ways. That is true. We have a lot of smart Indians in this room. But most of us are plain-out broke. We are working, but even if we did become rich, that would have no bearing on our agreement with the government. Nothing in the treaty says that if we better ourselves we lose our land. Thomas Wazhashk: I am not sure what study the information about our advancement, financially speaking, was based on. But I will tell you it was faulty. Most of our people live on dirt floors, no electricity, no plumbing. I haul my own water like most Indians in this room. I consider myself advanced only because I read and write. Should I not be an Indian person because I read and write?

Diana’s great-grandmother Frances Work, or Fanny, as she was known to her family, was an American, and perhaps that is why the Princess always felt such a great affinity for the land across the Atlantic. Fanny’s father began his career as a clerk in Ohio and ended up making millions as a financial whiz in Manhattan. A great patriot, he promised to disinherit any of his offspring who married Europeans. But Fanny, like Diana a strong-willed woman, crossed the Atlantic and married British aristocrat James Boothby Burke Roche, who became the third Baron Fermoy. When the marriage broke up, she returned to New York with twin sons and a daughter, and her indulgent father forgave her.

Many professional athletes make a lot of money quickly. They also spend a lot of money in a short time and very often declare bankruptcy quickly. About 16 percent of NFL players file for bankruptcy within twelve years of retirement, despite average career earnings of about $3.2 million.9 Some studies say the number of NFL players “under financial stress” is much higher—as high as 78 percent—within a few years of retirement. Similarly, about 60 percent of NBA basketball players are in financial trouble within five years of leaving the game.10 There are similar stories about lottery winners losing it all. Despite their big paydays, about 70 percent of lottery winners go broke within three years.11

Or I can stay with Colby when he comes back,” she added deliberately. She even smiled. “He’ll take care of me.” His black eyes narrowed. “He can barely take care of himself,” he said flatly. “He’s a lost soul. He can’t escape the past or face the future without Maureen. He isn’t ready for a relationship with anyone else, even if he thinks he is” She didn’t rise to the bait. “I can count on Colby. He’ll help me if I need it.” He looked frustrated. “But you won’t let me help you.” “Colby isn’t involved with anyone who’d be jealous of the time he spent looking out for me. That’s the difference.” He let out an angry breath and his eyes began to glitter. “You have to beat the subject to death, I guess.” She managed to look indifferent. “You have your own life to live, Tate. I’m not part of it anymore. You’ve made that quite clear.” His teeth clenched. “Is it really that easy for you to throw the past away?” he asked. “That’s what you want,” she reminded him. There was a perverse pleasure in watching his eyes narrow. “You said you’d never forget or forgive me,” she added evenly. “I took you at your word. I’ll always have fond memories of you and Leta. But I’m a grown woman. I have a career, a future. I’ve dragged you down financially for years, without knowing it. Now that I do…” “For God’s sake!” he burst out, rising to pace with his hands clenched in his pockets. “I could have sent you to Harvard if you’d wanted to go there, and never felt the cost! “You’re missing the point,” she said, feeling nausea rise in her throat and praying it wouldn’t overflow. “I could have worked my way through school, paid for my own apartment and expenses. I wouldn’t have minded. But you made me beholden to you in a way I can never repay.” He stopped pacing and glared at her. “Have I asked for repayment?” She smiled in spite of herself. “You look just like Matt when you glower that way.” The glare got worse. She held up a hand. “I know. You don’t want to talk about that. Sorry.” “Everyone else wants to talk about it,” he said irritably. “I’ve done nothing but dodge reporters ever since the story broke. What a hell of a way to do it, on national television!

Financial deregulation, easy credit and regulatory neglect combined with the degradation of our value system to create a religion of money and of power. The achievement of infinite wealth and fame became the ultimate standard, to be achieved at any price. The junk-bond peddlers and the raiders, the speculators and the savings-and-loan hustlers with their legions of consultants, their lobbyists and their friendly politicians, turned this country into a vast casino. Crimes were committed, crimes against the entire nation. These crimes will cost hundreds of billions of dollars. They have also undermined confidence in a system that was built up over generations. The nation will need a lengthy recovery from this madness.

I believe now that there’s real fear of what happens once The Narrative blows up—because once we’ve ripped the rich to shreds, what we’re left with is a whole bunch of broke people wondering where the hell their money went, without even a soothing fairy tale to help them get to sleep at night. People in the financial community who actually worked in that world, the traders and the bankers themselves who joked with me about “those motherfuckers,” did not have these illusions. You’re not going to be good at making money if you need there to be a halo around the moneymaking process. The only people who really clung to those illusions were the financial commentators, right up to the point where those illusions became completely unsustainable.

stalemate. Fated to both love and resent each other.” “What did you do?” Obviously, she’d married the man. “I broke up with him.” She pops a cherry into her mouth and chews industriously. “And I was damned miserable.” “Did you go back to him?” “No.” She smiles. “He called every evening with one question. ‘Is it still worth it?’ I held out for months. Until finally, I could answer, no, being apart from him wasn’t worth it.” “Then you got together, lived happily ever after and all that jazz, right?” Mrs. Goldman shakes her head. “No. Everything I feared they would think, they did. I had to quit the firm and open my own. Set me back years because no one wanted to hire a woman as their financial manager.” A dark look comes into her eyes. “But I persisted. And I made it.

Stock-exchange traders are also in danger. Most financial trading today is already being managed by computer algorithms that can process in a second more data than a human can in a year, and can react to the data much faster than a human can blink. On 23 April 2013, Syrian hackers broke into Associated Press’s official Twitter account. At 13:07 they tweeted that the White House had been attacked and President Obama was hurt. Trade algorithms that constantly monitor newsfeeds reacted in no time and began selling stocks like mad. The Dow Jones went into free fall and within sixty seconds lost 150 points, equivalent to a loss of $136 billion! At 13:10 Associated Press clarified that the tweet was a hoax. The algorithms reversed gear and by 13:13 the Dow Jones had recuperated almost all the losses.

You don’t mention what you’d like to study, but I assure you there are many ways to fund a graduate education. I know a whole lot of people who did not go broke getting a graduate degree. There is funding for tuition remission at many schools, as well as grants, paid research, and teaching assistantships, and—yes—the offer of more student loans. Perhaps more importantly in your case, there are numerous ways to either cancel portions of your student loan debt or defer payment. Financial difficulty, unemployment, attending school at least half-time (i.e., graduate school!), working in certain professions, and serving in the Peace Corps or other community service jobs are some ways that you would be eligible for debt deferment or cancellation. I encourage you to investigate your options so you can make a plan that brings you peace of mind. There are many websites that will elucidate what I have summarized above.

Values come from the heart and are immutable at the moment. Yes, they may change tomorrow, a month from now, or a year from now. But at this moment, your signature values are something you feel so strongly about; they can’t be changed or compromised. In fact, they determine how happy you are at any moment in your life. And the word signature means that you have a hierarchy (a prioritized list) of values that are yours and yours alone. The only way you can find joy in life and in your career is to know what your signature values are and then to work hard living harmoniously with them. For instance, if you value health and are not healthy physically or emotionally, you can’t be happy. If you value financial independence and are broke, you can’t be happy. If you value a loving relationship and you are in a toxic and unhealthy one, you can’t be happy. If you value peace of mind but experience constant stress, you can’t be happy.

Well, it was a kind of back-to-front program. It’s funny how many of the best ideas are just an old idea back-to-front. You see there have already been several programs written that help you to arrive at decisions by properly ordering and analysing all the relevant facts so that they then point naturally towards the right decision. The drawback with these is that the decision which all the properly ordered and analysed facts point to is not necessarily the one you want.’ ‘Yeeeess...’ said Reg’s voice from the kitchen. ‘Well, Gordon’s great insight was to design a program which allowed you to specify in advance what decision you wished it to reach, and only then to give it all the facts. The program’s task, which it was able to accomplish with consummate ease, was simply to construct a plausible series of logical-sounding steps to connect the premises with the conclusion. ‘And I have to say that it worked brilliantly. Gordon was able to buy himself a Porsche almost immediately despite being completely broke and a hopeless driver. Even his bank manager was unable to find fault with his reasoning. Even when Gordon wrote it off three weeks later.’ ‘Heavens. And did the program sell very well?’ ‘No. We never sold a single copy.’ ‘You astonish me. It sounds like a real winner to me.’ ‘It was,’ said Richard hesitantly. ‘The entire project was bought up, lock, stock and barrel, by the Pentagon. The deal put WayForward on a very sound financial foundation. Its moral foundation, on the other hand, is not something I would want to trust my weight to. I’ve recently been analysing a lot of the arguments put forward in favour of the Star Wars project, and if you know what you’re looking for, the pattern of the algorithms is very clear. ‘So much so, in fact, that looking at Pentagon policies over the last couple of years I think I can be fairly sure that the US Navy is using version 2.00 of the program, while the Air Force for some reason only has the beta-test version of 1.5. Odd, that.

The tone of those negotiations was very contentious,” says Becky Sauerbrunn, who served on the national team’s CBA committee and participated in most of the negotiation sessions. “They didn’t go anywhere. We would go into those meetings and say we want equal pay and they would say you’re not really generating the revenue to deserve equal pay to the men. And it just went around and around like that.” But then on March 7, Rich Nichols saw something that caught him by surprise. It was an article by Jonathan Tannenwald of the Philadelphia Inquirer that broke down financial numbers contained in U.S. Soccer’s General Annual Meeting report. The report itself was released quietly on U.S. Soccer’s website without fanfare—Tannenwald was the only journalist for a major newspaper who picked up on it. What the U.S. Soccer report showed—and what in turn the Philadelphia Inquirer explained—was that U.S. Soccer initially budgeted a $420,000 loss for 2016 but changed their numbers to expect a profit of almost $18 million, based largely on the gate receipts and merchandise sales of the women’s national team during the 2015 Women’s World Cup victory tour.

Rent-to-Own is one of the worst examples of the little Red-Faced Kid in “I want it now!” mode. The Federal Trade Commission continues to investigate this industry because the effective interest rates in rent-to-own transactions are over 1,800 percent on average. People rent items they can’t possibly afford to buy because they look only at “how much a week” and think, I can afford this. Well, when you look at the numbers, no one can afford this. The average washer and dryer will cost you just $20 per week for ninety weeks. That is a total of $1,800 for a washer and dryer you could have bought new at full retail price for $500 and slightly used for $200. As my old professor used to say about the “own” part of Rent-to-Own, “You should live so long!” If you had saved $20 per week for just ten weeks, you could have bought the scratch-and-dent model off the floor at the same Rent-to-Own store for $200! Or you could have bought a used set out of the classifieds or online. It pays to look past the weekend and suffer through going to the Laundromat with your quarters. When you think short term, you always set yourself up for being ripped off by a predatory lender. If the Red-Faced Kid (“I want it, and I want it now!”) rules your life, you will stay broke!

The newspapers, according to their political colour, urged punishment, eradication, colonisation or a crusade against the newts, a general strike, resignation of the government, the arrest of newt owners, the arrest of communist leaders and agitators and many other protective measures of this sort. People began frantically to stockpile food when rumours of the shores and ports being closed off began to spread, and the prices of goods of every sort soared; riots caused by rising prices broke out in the industrial cities; the stock exchange was closed for three days. It was simply the more worrying and dangerous than it had been at any time over the previous three or four months. But this was when the minister for agriculture, Monsieur Monti, stepped dexterously in. He gave orders that several hundred loads of apples for the newts should be discharged into the sea twice a week along the French coasts, at government cost, of course. This measure was remarkably successful in pacifying both the newts and the villagers in Normandy and elsewhere. But Monsieur Monti went even further: there had long been deep and serious disturbances in the wine-growing regions, resulting from a lack of turnover, so he ordered that the state should provide each newt with a half litre of white wine per day. At first the newts did not know what to do with this wine because it caused them serious diarrhoea and they poured it into the sea; but with a little time they clearly became used to it, and it was noticed that from then on the newts would show a lot more enthusiasm for sex, although with lower fertility rates than before. In this way, problems to do with the newts and with agriculture were solved in one stroke; fear and tension were assuaged, and, in short, the next time there was another government crisis, caused by the financial scandal around Madame Töppler, the clever and well proven Monsieur Monti became the minister for marine affairs in the new cabinet.

Kim was twenty-three, single, on her own, and at a job making $27,000 per year. She had recently started her Total Money Makeover. She was behind on credit cards, not on a budget, and barely making her rent because her spending was out of control. She let her car insurance drop because she “couldn’t afford it.” She did her first budget and two days later was in a car wreck. Since it wasn’t bad, the damage to the other guy’s car was only about $550. As Kim looked at me through panicked tears, that $550 might as well have been $55,000. She hadn’t even started Baby Step One. She was trying to get current, and now she had one more hurdle to clear before she even started. This was a huge emergency. Seven years ago George and Sally were in the same place. They were broke with new babies, and George’s career was sputtering. George and Sally fought and scraped through a Total Money Makeover. Today they are debt-free, even their $85,000 home. They have a $12,000 emergency fund, retirement in Roth IRAs, and even the kids’ college is funded. George has grown personally, his career has blossomed, and he now makes $75,000 per year while Sally stays home with the kids. One day a piece of trash flew out of the back of George’s pickup and hit a car behind him on the interstate. The damage was about $550. I think you can see that George and Sally probably adjusted one month’s budget and paid the repairs, while Kim dealt with her wreck for months. The point is that as you get in better shape, it takes a lot more to rock your world. When the accidents occurred, George’s heart rate didn’t even change, but Kim needed a Valium sandwich to calm down. Those true stories illustrate the fact that as you progress through your Total Money Makeover, the definition of an emergency that is worthy to be covered by the emergency fund changes. As you have better health insurance, disability insurance, more room in your budget, and better cars, you will have fewer things that qualify as emergency-fund emergencies. What used to be a huge, life-altering event will become a mere inconvenience.

extent, Polly Lear took Fanny Washington’s place: she was a pretty, sociable young woman who became Martha’s closest female companion during the first term, at home or out and about, helping plan her official functions. The Washingtons were delighted with the arrival of Thomas Jefferson, a southern planter of similar background to themselves, albeit a decade younger; if not a close friend, he was someone George had felt an affinity for during the years since the Revolution, writing to him frequently for advice. The tall, lanky redhead rented lodgings on Maiden Lane, close to the other members of the government, and called on the president on Sunday afternoon, March 21. One of Jefferson’s like-minded friends in New York was the Virginian James Madison, so wizened that he looked elderly at forty. Madison was a brilliant parliamentary and political strategist who had been Washington’s closest adviser and confidant in the early days of the presidency, helping design the machinery of government and guiding measures through the House, where he served as a representative. Another of Madison’s friends had been Alexander Hamilton, with whom he had worked so valiantly on The Federalist Papers. But the two had become estranged over the question of the national debt. As secretary of the Treasury, Hamilton was charged with devising a plan to place the nation’s credit on a solid basis at home and abroad. When Hamilton presented his Report on the Public Credit to Congress in January, there was an instant split, roughly geographic, north vs. south. His report called for the assumption of state debts by the nation, the sale of government securities to fund this debt, and the creation of a national bank. Washington had become convinced that Hamilton’s plan would provide a strong economic foundation for the nation, particularly when he thought of the weak, impoverished Congress during the war, many times unable to pay or supply its troops. Madison led the opposition, incensed because he believed that dishonest financiers and city slickers would be the only ones to benefit from the proposal, while poor veterans and farmers would lose out. Throughout the spring, the debate continued. Virtually no other government business got done as Hamilton and his supporters lobbied fiercely for the plan’s passage and Madison and his followers outfoxed them time and again in Congress. Although pretending to be neutral, Jefferson was philosophically and personally in sympathy with Madison. By April, Hamilton’s plan was voted down and seemed to be dead, just as a new debate broke out over the placement of the national capital. Power, prestige, and a huge economic boost would come to the city named as capital. Hamilton and the bulk of New Yorkers and New Englanders

Finally, Chestman is distressing because of how prosecutorial discretion was exercised. Loeb was the one party who knew the information was confidential in the case, though all he did was break a promise to his wife to keep it confidential. However trivial, this is the kind of peg prosecutors usually feel they need to hang their hat on. The government, however, declined to prosecute Loeb and instead went after Chestman, the stockbroker, who broke no promises and misappropriated from no one but could be more easily painted to a court and jury as presumptively unsavory.

Jackson’s real estate shenanigans became a hot topic in his 1828 presidential campaign. Even earlier, in 1824, his opponents suspected him of profiting from political office but they were unable to produce convincing evidence. By 1828, however, Jackson’s critics had gotten smarter and more determined. Jackson, however, was ready for them. On December 4, 1827, a fire broke out in the building containing Jackson’s financial papers. Conveniently, all the original records of his earlier land dealings were destroyed.32 Jackson professed his innocence, and again, no one could prove he was behind the fire. The whole situation, however, bears an uncanny resemblance to Hillary Clinton deleting her emails. Oops! They’re gone! And now we will never have full information about why she set up her private email account and what she wanted to keep out of the official State Department email system. Hillary might have thought she was being original, but Jackson got there first. Just like his twenty-first-century counterpart, Jackson deleted the evidence that his critics might have used to incriminate him.

As shown in chapter 2, the Pentateuch largely rejects the monarchic principle as it was construed elsewhere, often with a religiously sanctioned central government, a professional army, and an elite class of charioteers. Instead, the biblical laws seek to advance a mode of production and an accompanying set of power relations that will build up the whole society, serving the greatest number of people, rather than a political or financial elite.31 While

You don’t have to hide your happiness, your peace, your victory, or your possessions. You don’t have to dress down and look poor and pitiful and depressed to show people you are humble. When you wear your blessings well, giving God all the credit, talking about His goodness, thanking Him for what He has done, that’s what really brings honor to our God. If God has blessed you with financial success or helped you through a challenge in a relationship, a job, your health, or your finances, wear that blessing well. Tell everyone what God has done for you. If they make fun of you like they make fun of me and ask why you are so happy, just tell them, “I’m wearing my blessing well. God has been so good to me I can’t keep it to myself. I’ve got to tell somebody. I once was lost, but now I’m found. I should be dead, but I’m still alive. Look what the Lord has done.” Some critics and doubters may tell you to calm down or chill out on the happiness stuff. Let that go in one ear and out the other. Keep wearing your blessings well, and over time, instead of them affecting you, you will inject them. You will help them come up higher. When you dress your best, you’re wearing your blessings well. When you step up and take that promotion, you’re wearing your blessings well. When God opens the door and you move into that new house you’ve been believing for, others may be critical. But don’t allow those who are negative, jealous, judgmental, bitter, angry, and nonsmiling to bring you down. If you want to please God and live in happiness, don’t drag around broke, defeated, or depressed. Wear your blessings well. Step up to a new level. Enjoy God’s favor. Be proud of who you are and of what God has done in your life.

The con, the thing that will leave you broke and with a real reason to cry, is carefully hidden. It is deep in the proverbial fine print.

Try to save something while your salary is small; it is impossible to save after you begin to earn more”.

Learn to delay gratification, all your wants must not be satisfied immediately".

You can be rich by having more than you need or by needing less than you have.” --Jim Mott

It is not the man who has too little, but the man who craves more that is poor.”-Seneca

Today there are three kinds of people; the haves, the have-not, and the havenot-paid-for-what-they-have’s.”--Earl Wilson.

It will be wrong to allow people talk you into investing your money into anything you know little or nothing about ".

Today there are three kinds of people; the haves, the have-not, and the havenot-paid-for-what-they-have’s.”--Earl Wilson

We broke the plan into four parts: a market plan, a financial plan, a product plan, and, most important, a people plan.

That said, it doesn’t matter how successful or unsuccessful you are right now. What matters is whether your habits are putting you on the path toward success. You should be far more concerned with your current trajectory than with your current results. If you’re a millionaire but you spend more than you earn each month, then you’re on a bad trajectory. If your spending habits don’t change, it’s not going to end well. Conversely, if you’re broke, but you save a little bit every month, then you’re on the path toward financial freedom—even if you’re moving slower than you’d like.

Within the Fed, officials were fully aware of the strains on the financial system - the hoarding of currency, the growing problem of bank failures, the reluctance of banks to lend, prices falling at a rate of 20 percent per annum. Somehow they were unable to put all these pieces of the jigsaw puzzle together. At the Federal Reserve Board, Meyer pressed for a more aggressive policy and even Adolph Miller, who with his natural contrarian streak, seemed to end up so often in the minority, joined him. But the Board was legally powerless to initiate action.

If you steal $25, you’re a thief. If you steal $250,000, you’re an embezzler. If you steal $2,500,000, you’re a financier,

ROOSEVELT’S DECISION To take the dollar off gold rocked the financial world.

Norman had to content himself with a much diminished role in British and international financial affairs.

Having already alienated the right wing by signing the Young Plan, he was now falling out with the left and center by challenging the coalition’s financial policy.

Beware of financial advice from broke people.

At this point, with a financial crisis looming, Lord Revelstoke saved the day by suddenly dropping dead.

Soon, I found myself criss-crossing the country with Steve, in what we called our “dog and pony show,” trying to drum up interest in our initial public offering. As we traveled from one investment house to another, Steve (in a costume he rarely wore: suit and tie) pushed to secure early commitments, while I added a professorial presence by donning, at Steve’s insistence, a tweed jacket with elbow patches. I was supposed to embody the image of what a “technical genius” looks like—though, frankly, I don’t know anyone in computer science who dresses that way. Steve, as pitch man, was on fire. Pixar was a movie studio the likes of which no one had ever seen, he said, built on a foundation of cutting-edge technology and original storytelling. We would go public one week after Toy Story opened, when no one would question that Pixar was for real. Steve turned out to be right. As our first movie broke records at the box office and as all our dreams seemed to be coming true, our initial public offering raised nearly $140 million for the company—the biggest IPO of 1995. And a few months later, as if on cue, Eisner called, saying that he wanted to renegotiate the deal and keep us as a partner. He accepted Steve’s offer of a 50/50 split. I was amazed; Steve had called this exactly right. His clarity and execution were stunning. For me, this moment was the culmination of such a lengthy series of pursuits, it was almost impossible to take in. I had spent twenty years inventing new technological tools, helping to found a company, and working hard to make all the facets of this company communicate and work well together. All of this had been in the service of a single goal: making a computer-animated feature film. And now, we’d not only done it; thanks to Steve, we were on steadier financial ground than we’d ever been before. For the first time since our founding, our jobs were safe. I

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1977 Palawan Island, Philippines   Taer and Anak became our tour guides, accompanying us wherever we went. Although we did not pay for their services, we treated them to meals and paid their entrance fees to places of interest. Whenever I asked about their home and schooling schedules, they provided anomalous excuses.               The first few nights, they stayed at my hut. Since we had nothing in common besides unbridled sex, I soon grew weary of their presence. Moreover, I needed time alone, but they couldn’t bear the thought of leaving. They clung onto me as if I were their saviour.               I had no choice but to bid them to return home – and that was the straw that broke the camel’s back. They confided in me that they had run away from their dysfunctional families and were homeless before we met. They had been relying on me to provide for them. I now had a problem I hadn’t envisioned.               So, I consulted with my rowing buddies. These were their suggestions: ●       Without telling the boys, move to another part of the city. ●       Call it quits and compensate the boys with some financial aid. ●       Break off all ties with them. I ended up doing all three, but that was not the end of Taer and Anak. My saving grace was that I had not told the boys my return date to Canada. The rest of my Palawan Island vacation was spent avoiding the Filipino teenagers. More to the point, this was what transpired after my ‘Dear John’ conversation with them.

From Ashwood’s perspective, those who trusted Carl to rebuild TWA were naïve from the outset. “A leopard doesn’t change his spots. Icahn was, and is, a financial engineer. He can’t run a business. He can’t run a corner deli. If he ran the deli and the freezer broke, he wouldn’t fix it. He’d try to sell the spoiled milk rather than have the freezer fixed.

In April, 1926, France and the United States finally negotiated a war debt settlement at forty cents on the dollar. The [French] budget was at last fully balanced. Still the franc kept falling. By May, the exchange rate stood at over thirty to the dollar. With a currency in free-fall, prices now rising at 2% a month - over 25% a year - and the Government apparently impotent, everyone made the obvious comparison with the situation in Germany four years earlier. In fact, there was no real parallel. Germany in 1922 had lost all control of its budget deficit and in that single year expanded the money supply ten fold. By contrast, the French had largely solved their fiscal problems and its money supply was under control. The main trouble was the fear that the deep divisions between the right and left had made France ungovernable. The specter of chronic political chaos associated with revolving door governments and finance ministers was exacerbated by the uncertainty over the governments ability to fund itself given the overhang of more than $10 billion in short term debt. It was this psychology of fear, a generalized loss of nerve, that seemed to have gripped French investors and was driving the downward spiral of the franc. The risk was that international speculators, those traditional bugaboos of the Left, would create a self-fulfilling meltdown as they shorted the currency in the hope of repurchasing it later at a lower price thereby compounding the very downward trend that they were trying to exploit. It was the obverse of a bubble where excessive optimism translates into rising prices which then induces even more buying. Now excessive pessimism was translating into falling prices which were inducing even more selling. In the face of this all embracing miasma of gloom neither the politicians nor the financial establishment seemed to have any clue what to do.

Look, tithing doesn’t make you broke. Living above your means (and spending your tithe) makes you broke.

IDEAS ARE THE CURRENCY OF LIFE. Not money. Money gets depleted until you go broke. But good ideas buy you good experiences, buy you better ideas, buy you better experiences, buy you more time, save your life. Financial wealth is a side effect of the “runner’s high” of your idea muscle.

David Viniar, CFO of Goldman Sachs, claimed as the global financial crisis broke in August 2007 that his bank had experienced ‘25 standard deviation events’ several days in a row. But anyone with a knowledge of statistics (a group that must be presumed to include Viniar) knows that the occurrence of several ‘25 standard-deviation events’ within a short time is impossible. What he meant to say was that the company’s risk models failed to describe what had happened. Extreme observations are generally the product of ‘off-model’ events. If you toss a coin a hundred times and all the tosses are heads, you may have encountered a once in a lifetime statistical freak; but look first for a simpler explanation. For all their superficial sophistication, the masters of the universe had no real understanding of what was going on before them.

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Remember, Christ never broke the written instructions of God. He only broke the traditions of men

It had seemed no one would ever be able to break a four-minute mile, yet within one year of Roger’s breaking the barrier, 37 other runners also broke it. His experience provided them with references strong enough to create a sense of certainty that they, too, could “do the impossible.” And the year after that, 300 other runners did the same thing! “The belief that becomes truth for me… is that which allows me the best use of my strength, the best means of putting my virtues into action.” —

Mamaw could spew venom like a Marine Corps drill instructor, but what she saw in our community didn’t just piss her off. It broke her heart. Behind the drugs, and the fighting matches, and the financial struggles, these were people with serious problems, and they were hurting. Our neighbors had a kind of desperate sadness in their lives. You’d see it in how the mother would grin but never really smile, or in the jokes that the teenage girl told about her mother “smacking the shit out of her.” I knew what awkward humor like this was meant to conceal because I’d used it in the past. Grin and bear it, says the adage. If anyone appreciated this, Mamaw did.

Although the Honduran debt would mostly go unpaid, Zemurray had achieved a remarkable personal victory. He had outmaneuvered Knox, successfully defied the US government, poked J. P. Morgan in the eye, and ended up a much wealthier man. In engineering the “invasion,” he had covered his tracks so well that contemporary investigations into the scheme were never able to connect him to it or prove he broke any laws. But he had also intentionally overthrown a government to achieve his own financial ends.

Being broke is not a financial status; it’s a state of mind. It breaks you. Every setback pushes you closer to believing you don’t deserve better, that you’re struggling because you deserve it, because you’re worthless.

As it happens, he and Raphael are both very much focused on the future. Raphael recently created a nonprofit network of successful Black men and women—some white, too—that he named the Lantern Network, after the lanterns people once used to indicate safe houses along the Underground Railroad. His goal is to provide a resource for talented Black professionals who lack the high-powered social networks white men take for granted—the family friends and relatives and neighbors one can turn to for mentorship, financial counsel, introductions, and access to capital. As of summer 2020, the future looked more promising. The COVID crisis had left economic inequality nowhere to hide. Then came the police lynching that broke the camel’s back. An exceedingly bitter election season contributed a third element to what was shaping up to be a perfect storm. The pandemic and “the high-resolution video of the George Floyd murder by someone who was confident that he would NOT be brought to justice” were the catalysts we needed, Raphael said in an email. Overt racism has crawled out of its hole these past four years, but “there are even more nonracists and a growing number of anti-racists who will actively engage in the fight.

Increasingly, I have become concerned that the motivation to meet Wall Street earnings expectations may be overriding common sense business practices,” he said. “Too many corporate managers, auditors, and analysts are participants in a game of nods and winks. In the zeal to satisfy consensus earnings estimates and project a smooth earnings path, wishful thinking may be winning the day over faithful representation. As a result, I fear that we are witnessing an erosion in the quality of earnings, and therefore, the quality of financial reporting. Managing may be giving way to manipulation. Integrity may be losing out to illusion.” It was a remarkable speech.

Finally, Jensen and Meckling laid the foundation for the coming era of excessive executive compensation, positing that CEOs should be richly rewarded with stock to align their own incentives with their company’s financial performance.

... Americans were now supposed to make their own sense of the world. There was no dependable authority left to turn to, no life raft in the increasingly perilous informational sea. This coincided with an age when Americans now needed to understand more of the world than ever before. A factory worker in suburban Ohio now needed to understand the cultures of places like Bangalore and Beijing if he wanted to know why he'd lost his job. Which, incidentally, he probably had. Now broke, or under severe financial pressure, with no community leaders, no community, no news he can trust, Joe American has to turn on the Internet and tell himself a story that makes sense to him. What story is he going to tell?

The Reichman brothers, with Robert Campeau the Canadian gift to financial excess, are indubitably broke with depressive effect on the banks that were captured by their euphoric mood.

To this day it stuns me to read about some middle-aged guy laid off from his job of twenty years and almost instantly broke. How does anyone let that happen? It is the result of failing to master money.

Addressing Hester and the rest of the RBS board at the bank’s annual general meeting on 19 April 2011, shareholder and former SME customer Nigel Henderson said, ‘The jackboot culture is alive and kicking – literally as well as metaphorically – within your bank, despite your pious statements.’ Henderson alleges the bank misappropriated the Portree Hotel, on the Isle of Skye, and the £800,000 from the sale of the Park Hotel, in Montrose, from him. Henderson, having built a business worth £2 million making profits of £400,000, became an RBS customer in July 1997. He says, ‘Before signing two personal loan agreements for £400,000, I made it clear to the bank that we intended to redeem the proposed loans early. The bank assured us that this would be fine, that the maximum penalty would be three months’ interest, and that the loan documents would be drawn up accordingly. In November 1998 we deposited more than £800,000 with RBS, intimating we wished to exercise early redemption, as agreed. But they demanded £240,000, seized our cash and refused to allow us to exit the loans. They had embarked on a conscious process of deceit to engineer our total financial destruction.’ In early 2014, RBS headed off a Police Scotland inquiry into the matter by refusing to provide detectives with requested paperwork, and on 30 April 2014, an executive assistant of Sir Philip Hampton wrote to Henderson saying, ‘The bank’s position remains that it does not accept the allegations you continue to assert.

Personal finance is about 20 percent personal choice and 80 percent circumstantial. Yet historically, money experts’ advice has suggested that if you’re broke, in debt, or financially struggling, it’s entirely your fault.

Sure,” said Rearden easily. “If it’s production that you want, then get out of the way, junk all of your damn regulations, let Orren Boyle go broke, let me buy the plant of Associated Steel—and it will be pouring a thousand tons a day from every one of its sixty furnaces.” “Oh, but . . . but we couldn’t!” gasped Mouch. “That would be monopoly!” Rearden chuckled. “Okay,” he said indifferently, “then let my mills superintendent buy it. He’ll do a better job than Boyle.” “Oh, but that would be letting the strong have an advantage over the weak! We couldn’t do that!” “Then don’t talk about saving the country’s economy.” “All we want is—” He stopped. “All you want is production without men who’re able to produce, isn’t it?” “That . . . that’s theory. That’s just a theoretical extreme. All we want is a temporary adjustment.” “You’ve been making those temporary adjustments for years. Don’t you see that you’ve run out of time?” “That’s just theo . . .” His voice trailed off and stopped. “Well, now, look here,” said Holloway cautiously, “it’s not as if Mr. Boyle were actually . . . weak. Mr. Boyle is an extremely able man. It’s just that he’s suffered some unfortunate reverses, quite beyond his control. He had invested large sums in a public-spirited project to assist the undeveloped peoples of South America, and that copper crash of theirs has dealt him a severe financial blow. So it’s only a matter of giving him a chance to recover, a helping hand to bridge the gap, a bit of temporary assistance, nothing more. All we have to do is just equalize the sacrifice—then everybody will recover and prosper.

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Because the value of a currency was tied, by law, to a specific quantity of gold and because the amount of currency that could be issued was tied to the quantity of gold reserves, governments had to live within their means, and when strapped for cash, could not manipulate the value of the currency. Inflation therefore remained low. Joining the gold standard became a "badge of honor," a signal that each subscribing government had pledged itself to a stable currency and orthodox financial policies. By 1914, fifty-nine countries had bound their currencies to gold.