Because I don't understand or care about sports, last Super Bowl Sunday I decided to go on a wing crawl. It's like a pub crawl, but with wings. I quickly realized that the most interesting part of eating wings with friends is seeing how much meat they leave on the bone. Some people leave half the chicken and move on to the next wing. These people are worthless, and I quickly distance myself from them.

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Marshall Goldsmith, one of the world's top executive coaches, put it to me this way: "Your biggest challenge [is] customer selection. You pick the right customer, you win. You pick the wrong customer, you lose. Focus on helping great people get better." Ultimately, this is your business. It's up to you to run your business as you see fit, and serve the customers you want to serve. In our experience, business is the most fun (and most profitable) when you focus on helping great people get better.

why I hate Wells Fargo and Bank of America. These big banks are pieces of shit. They rip you off, charge near-extortionate fees, and use deceptive practices to beat down the average consumer. Nobody will speak up against them because everyone in the financial world wants to strike a deal with them. I have zero interest in deals with these banks. If you use them, don't. You're asking to be mistreated if you do. Google "Ramit best accounts" for the best checking and savings accounts and credit cards. I make no money from these recommendations. I just want you to avoid getting ripped off.

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According to a recent survey of millionaires done by US Trust, "83% of the wealthy say their largest investment gains have come from smaller wins over time rather than taking big risks.

There are many audiences you should not build a business around, simply because they will never buy. For example, any business that serves nonprofits is doomed. Nonprofits are not going to pay you. Neither will restaurants or students. Restaurant owners believe they're "too busy" for most services, and students are poor and want to spend their limited money on alcohol. A huge part of your success in business comes from consciously choosing who you're attracting and who you're repelling.

My friend Jim once called to tell me that he'd gotten a raise at work. On the same day, he moved into a smaller apartment. Why? Because he doesn't care very much about where he lives, but he loves spending money on camping and biking. That's called conscious spending.

If you use generic phrases like "feeling motivated" and "I'm going to buckle down," I can tell you you're already going to fail. And after failing multiple times, you'll start to see yourself as a "person who fails." In other words, you start to believe, "I'm not the kind of person who can succeed in business."

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Conscious spending isn't about cutting your spending on everything. That approach wouldn't last two days. It is, quite simply, about choosing the things you love enough to spend extravagantly on — and then cutting costs mercilessly on the things you don't love.

Look, the fact is, some people will NEVER buy from you. Apologetic messages only seem to please the non-buyers. Their complaints poison the well for your real customers. Your real customers will be relieved that you have something worthwhile for them.