"Financial advisory is not about the past nor the present; it is about the future." - Ricky So

"There are five ways you can lose money in investments. Lose part of your capital, lose to inflation, lose out an opportunity, lose your interest in it, lose your time." - Ricky So

"Formal education will make you a living; self-education will make you a fortune." - Jim Rohn

"Investing in yourself is the best investment you will ever make, it will not only improve your life, it will improve the lives of all those around you."" - Robin Sharma

"The cost of acting on a wrong advice is much much less than the cost of inaction on a right advice." - Ricky So

"We make a living by what we get; we make a life by what we give." - Winston Churchill

"The primary motivation of the rich and the poor is to make money; but the least of concern of the wealthy." - Ricky So

"Saving money may be a luxury but investing it is a necessity." - Ricky So

"If today your needs are your wants; someday your wants will be your needs." - Ricky So

"Greed is good; as long as it is not at the expense of others." - Ricky So

"A rich person is an opportunist while a wealthy person creates opportunities." - Ricky So

"Success is not about what you can show; it is about what you can share." - Ricky So

"Almost always an affirmative attitude achieves all aspirations." - Ricky So

"Humility is the foundation of all values." - Confucius

"Almost always, the difficult thing to do is the right thing to do." - Ricky So

"If the poor is coping with headline inflation, the rich is struggling with lifestyle inflation." - Ricky So

"The biggest risk in investing is the investor." - Ricky So

"The difference between a good day and a bad day is your attitude." - Anonymous

"Amateur investors shop for Returns. Professional investors look at the Risks. For if you keep on looking at the returns, eventually the risks will come for you. But if you keep on looking at the risks, eventually, the returns will come for you." - Dr. Steve Sjuggerud

"There are two wonderful days in our life. The day we were born and the day we discovered why." - William Barclay

"Price is what you pay; Value is what you get." - Warren Buffett

"Individuals who cannot master their emotions are ill-suited to profit from the investment process." - Benjamin Graham

"The Stock market is a device for transferring money from the impatient to the patient." - Warren Buffett

"If you are not prepared to lose money in investment, you do not deserve to gain." - Ricky So

"The purpose of investing is not to simply optimize returns and make yourself rich. The purpose is not to die poor." - William J. Bernstein

"Financial ignorance could be the most expensive luxury." - Ricky So

"Success is 50% Action, 25% Learning and 25% Thinking." - Robert Ringer

"Wide diversification is only required when investors do not understand what they are doing." - Warren Buffett

"Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this." - Dave Ramsey

"In investing, what is comfortable is rarely profitable." - Robert Arnott

"The stock market is filled with individuals who know the price of everything, but the value of nothing." - Phillip Fisher

"An investment in knowledge pays the best interest." - Benjamin Franklin

"You take risks when investing while you take chances in gambling." - Ricky So

"The chances of losing when you gamble in a casino is 80%; but have the same probability of gaining if you invest in the casino stock." - Ricky So

"Trading and Investment Success is 61.8% Behavioral and 38.2% Technical, Tactical, and Capital." - Ricky So

"Investing in experience is three times better than investing in concepts." - Ricky So

" Invest if you can monitor time; Trade if you have time to monitor." - Ricky So

"To double your income, triple your investment in self development." - Robin Sharma

"Time is like money - either you spend it or you invest it." - Ricky So

"Poor people take on chances to become rich. Wealthy people take on risks to become richer." - Ricky So

"There are about 21 financial risks when investing and the biggest risk is knowing just 1." - Ricky So

"Losing money in an investment is not the risk - it is a consequence of a risk." - Ricky So

 "Strive to better the person you see in the mirror every day." - Ricky So

"The market can remain irrational longer than you can remain solvent" - John Maynard Keynes

"100 minus your age should be the percentage of your equity portfolio" - Peter Lynch

"In investing, what is comfortable is rarely profitable." - Robert D. Arnott

"A wise man should have money in his head not in his heart." - Jonathan Swift

"Better to go to bed hungry than wake up in debt." - Proverb

"The only thing more expensive than education is ignorance." - Benjamin Franklin

"Better an empty purse than an empty head." - Proverb

"The key to making money in stocks is not to get scared out of them." - Peter Lynch

"Money is both science and art. We need to practice the science of earning and investing it while perfecting the art of spending." - Ricky So

"Risk comes from not knowing what you are doing." - Warren Buffett

"Never depend on single income. Make investment to create a second source." - Warren Buffett

"If investing is entertaining, if you're having fun, you're probably not making money. Good investing is boring." - George Soros

"An investor without investment objectives is like a traveler without a destination."

"It's not your salary that makes you rich, it's your spending habits."

"Successful investing is about managing risk, not avoiding it." - Benjamin Graham

"Always start at the end before you begin. Professional investors always have an exit strategy before they invest. Knowing your exit is an important investment fundamental."

"We don't have to be smarter than the rest, we have to be more disciplined than the rest." - Warren Buffett

"Whenever you make an investment in yourself, you're making an investment in your future."

"The happiest people do not necessarily have the best things. They simply appreciate the things they have." - Warren Buffett

"Success is a lousy teacher. It seduces smart people into thinking they can't lose." - Bill Gates

"Only when you combine sound intellect with emotional discipline do you get rational behavior." - Warren Buffett

"Compound interest is the eighth wonder of the world. He who understands it. Earns it. He who doesn't. Pays it." - Albert Einstein

"Change is constant. If you want to be consistently competitive in your craft, change can be your compass." - Ricky So

"If you think hiring a professional is expensive, wait till you hire an amateur." - Red Adair

"Time is more valuable than money. You can get more money, but you cannot get more time."

"Get out when you can, not when you have to." - Jesse Livermore

"The way to make money is to buy when blood is running in the streets." - John D. Rockefeller

"Investigate carefully before you invest. Spend as much time researching the investment as you spend earning the money." - Brian Tracy

"Wise spending is part of wise investing. And it's never too late to start" - Rhonda Katz

"If you have trouble imagining a 20% loss in the stock market, you shouldn't be in stocks." - John Bogle

"Replace the word 'spend' with 'invest' in your vocabulary and notice how it impacts your everyday decisions." - Randy Tho

"Investing is the intersection of economics and psychology." - Seth Klarman

"No price is too low for a bear or too high for a bull." - Proverb

Ambition is an "Aspiration motivated by inspiration; trashes inaction and overcomes negatives." - Ricky So

"Learn every day, but especially from the experiences of others. It's cheaper!" - John C. Bogle

"No other investment yields as great a return as the investment in education. An educated workforce is the foundation of every community and the future of every economy." - Brad Henry

"Greed is good as long as it is not at the expense of other people." - Ricky So

"When you're an investor, you can look at the quantitative and qualitative elements of an investment, but there's a third aspect: What you feel in your gut." - Kevin O'Leary

"Goodness is the only investment that never fails." - Henry David Thoreau

"If you want to help the poor and our next generation, make investment, reinvestment and businesses welcome." - Gina Rineheart

"Too many people spend money they earned to buy things they don't want... to impress people that they don't like." - Will Rogers

"A wise person should have money in their head, but not in their heart." - Jonathan Swift

"Wealth consists not in having great possessions, but in having few wants." - Epictetus

"Everyday is a bank account, and time is our currency. No one is rich, no one is poor, we've got 24 hours each." - Christopher Rice

"It's how you deal with failure that determines how you achieve success." - David Feherty

"Many traders always expect to win, hence they lose.But if one prepares himself to lose, he already gains." - Ricky So

"Your downfall in investments is that moment when you fall in love with it." - Ricky So

"Wanting not to lose in an investment is a losing mindset." - Ricky So

"You gain money when you make a winning trade; a lesson is learned on a losing trade." - Ricky So

"An investment that has no risk is the riskiest." - Ricky So

"Guarantees in investments are non-existent; One thing that is guaranteed is one day we will all cease to exist." - Ricky So

SALN of a Bankrupt person, Whatever is on the left, nothing is right; Whatever is on the right, nothing is left.
SALN of Wealthy person, Whatever is on the left, all looks right; Whatever is on the right, all will be left - behind. - Ricky So

“Investing during a crisis exposes you to lose in percentages but offers a potential gain in multiples.” - Ricky So

“If investing is a necessity, then saving money is a must.” - Ricky So

"We invest to beat inflation. Problem is inflation is compulsory and investment is optional." - Ricky So