Quotes from David Bach

Specificity transforms a vague dream into a concrete, achievable goals. If you can practically see, hear, feel, and smell a goal, the chances are excellent that you'll not only know what's required to make t real, you'll actually do what's required to make it real.

If you don't know where you're going, you might not like where you end up.

Remember, inspiration unused is merely entertainment. To get new results, you need to take new actions.

Love has nothing to do with money. It doesn't matter if you love your spouse or partner more than anything in the world. If the two of you have conflicting values about money and make financial decisions that fail to accommodate each other's feelings about the subject, you are going to have serious relationship problems.

The problem isn't our income; it's what we do with our money once we get it... how much you earn has almost no bearing on whether or not you can and will build wealth.

If you have $10,000 sitting in a savings or checking account earning only 1.0 percent annually when it could be earning 4.5 percent, you are cheating yourself out of $450 a year in interest. The way I see it, that's a plane ticket to Hawaii or a fancy dream night out on the town or more money in your retirement account! In other words, that so-called free checking account at the bank really isn't. Quite the contrary, it's costing you a fortune.

Financial education needs to become a part of our national curriculum and scoring systems so that it's not just the rich kids that learn about money.. it's all of us.

Knowledge without action cost money

Nothing you will ever do in your lifetime is likely to make you as much money as buying a home and living in it.

This market right now is moving on nothing more than emotions. Guess what? It almost always moves on emotions.

Remember that small steps can create giant leaps over time, so never think of any financial or spending matter as a small one.

There is no denying the lesson these numbers teach us. The future is going to be expensive.

There is nothing that will fix a bad credit report except the passage of time and a consistent record of responsible bill-paying, and you contacting the credit-report companies and working with them to get your credit record clean.

Your health doesn't just happen; it's not something that takes care of itself as you go through life. You can't leave your health in someone else's hands, and the same goes for your wealth. They're both completely in your hands.

If your money is not helping you make your life better, then something is wrong. Chances are you're not making a connection between your values and the role obey plays in your life.

If you think you are being underpaid, underappreciated, and underdeveloped in your current job, then you are being hurt as a human being--and that is unacceptable.

Once the decision is out of your hands, there's no way you can be tempted into doing the wrong thing.

Values are the key to living smart and finishing rich. The sooner you and your partner start putting your values first—and stuff second—the sooner the two of you will start living a life that excites and empowers you both.

The bottom line is that you and your partner are trading precious time in your life for this income. To me—and hopefully to you—that makes it critically important to ensure that you don't waste what you earn, but rather that you manage it efficiently and intelligently.

It's amazing to me that so many of us can be with our partners for years, sometimes decades, and not know their most deeply held values. The fact is, there's just about nothing that can have more of an impact on a relationship than knowing what is really important to you and your partner.

It's sad but true. Most people who just "go with the flow" wind up complaining about where they "floated." They go around saying life is not fair. Well, I disagree. Life is totally fair. You get what you go for. Go for nothing and you get nothing. Go for something and, even if you miss your main goal, you might still achieve a lot of good stuff along the way.

The fact is, you deserve every dollar you can get your hands on. There is nothing greedy about it. You deserve a raise, and you're capable of getting one. You just have to believe in yourself and start asking for it.

Dreaming big is the key to happiness. Dreaming big is energizing. Dreaming big is fun. Can you remember a time in your life when you used to dream big? When you had things you wanted to accomplish and you weren't afraid to talk about them? Do you remember what it felt like to not have to be so "responsible"?

FOR LONG-TERM DREAMS (FOUR TO TEN YEARS) Once you get to dreams that are going to take you more than four years to save for, you should really consider putting your dream-basket money into growth-oriented investments. Because you've got more time, you can afford to take more risk to get a bigger return. To my mind, that means investing in stock-based mutual funds.