Shem Holiday

“Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“Be the change that you wish to see in the world.”
― Mahatma Gandhi

“In three words I can sum up everything I've learned about life: it goes on.”
― Robert Frost

“Be yourself; everyone else is already taken.”
― Oscar Wilde