It's because people have adopted a monthly payment mentality, not a whole payment mentality.

We live in a prosperous nation, but people have mortgaged their future. Debt is standing in the way of a brighter future. ... People haven't been taught delayed gratification.

I look at the financial condition of America today, and debt has never been higher than it is today in our recorded history.

It's 100 percent occupied. We are helping people who are low-income, who are getting back on their feet.

People have this sense that as 21st-century humans we've gotten as high as we're going to go. But we're not played out as a species. We're still evolving, and these studies are a pretty good example of that.

I don't have to edit myself, ... I get to be me, warts and all, and that's ultimately what people want, and to trust each other implicitly.