"If the human isn’t responsible for their role in the horse human relationship, horses just don’t get along very well. So that’s why I say it’s all about the human meeting the bill to fit the horse in any given situation. But don’t expect the horse to always fit the human."

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If you borrow money to make money, you've done something magical. On the other hand, if you go into debt to pay your bills or buy something you want but don't need, you've done something stupid. Stupid and short-sighted and ultimately life-changing for the worse.

— Seth Godin