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Every person has a starting point.

Last month, I was able to save, it took a lot of planning and good stewardship.

It is hard-earned money and it's in my savings account. I've invested a portion of my earnings in four lucrative enterprises: Halliburton Company, eBay Inc., Comcast Corporation, and Exxon Mobil Corporation.

I've also tithed.

God will bless me with much more as long as I continue to put him first in my life.

Later this year I plan on investing in some other companies: International Business Machines, Chipotle Mexican Grill Inc., United Parcel Services Inc., Wells Fargo & Company and Amazon.com Inc.

Every saint has a past, every sinner has a future.

With our talents, we can become wealthy.

The first step to building wealth is becoming a disciplined saver.

As Benjamin Franklin writes, "a penny saved is a penny earned."

You can start from rock bottom---absolutely nothing---and still rise to the top.

We all have the same time every day.

How will you spend your days on this Earth?

Baby steps aren't just for babies anymore, when it comes to financial success. Baby steps are required for getting out of debt and building wealth. This, of course, takes commitment and discipline.

It's like training for a marathon, you need many months to prepare.

People like to think that success depends on our ability to network, but this is actually the smallest part.

Hard work, courage, and discipline can't be learned from others, it has to come from within.

Winners become that way through deliberate practice and losers settle for "good enough."

In order to be the best, you have to plan your time and days like a champion.

Be honest with yourself about how you spend your time and be the change you want to see in the world.

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