Joe Dudley is a sharecropper's son who grew up in a one-room shack in North Carolina that he shared with eight other siblings. He knew poor. Although Joe and his wife, Eunice, are multimillionaires, they live on a tight budget.
Credit cards are a convenience, but pay the bill immediately.
Don't buy a house that is too expensive for your budget. Buy a house only two times your income. Go to a couple of stores before making a purchase. Compare the prices. Don't buy a new car if you can't afford a new car.