“It is almost impossible to enjoy a life of self-motivation when you’re worried about money. Don’t be embarrassed about giving this subject a great deal of thought. Thinking about money a little bit in advance frees you from having to always think about it later. Allow yourself to link financial well-being with an increased capacity for compassion for others. If I am living in poverty, how much love and attention can I give to my children or my fellow humans? How much help can I be if I, for sheer lack of creative planning, am always worried about being in debt? “Poverty is no disgrace,” said Napoleon Hill. “But it is certainly not a recommendation.”