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1 " We've been sold a dream of savings and investing that had no basis in any history or reality. We were participants in a vast experiment, a hope that personal finance and investments would do it all for us. We now know that for all too many people, it did not. "
2 " The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge. "
3 " The people who know personal finance hide the money very carefully. "
4 " Without any formal personal finance instruction in our high school or college curricula, many college seniors who graduate in the red will continue to make common financial mistakes that only exacerbate their debt burdens. "
5 " After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term. "
6 " I don't really consider myself to be a personal finance expert compared with some others. There are quite a few that know a lot more than I do. "
7 " The people who don't know personal finance have TV shows about it. "
8 " The first rule of personal finance is that it's not personal and it's not financial. It's about your ability to make ten changes and not get too depressed over it. "
9 " Without any formal personal finance education or trustworthy resources to tell them otherwise, the majority of people in the 18-to-24-year-old age bracket do not know how to use credit effectively, tackle debt or make wise decisions when it comes to spending. "
10 " One suggestion my wife and I have used in our personal finance courses we teach at college is simply writing down all expenditures and seeing where the money goes. That alone will cause heads of households to think twice about x, y or z expenditure, and to consider carefully whether they really need something or not. "
11 " If you look on Amazon - if you do a search for personal finance, there are literally 20,000 books written on personal finance, and there's no real reason for it. I mean, personal finance is pretty simple. "
