“Be smart. Be careful. Don’t get screwed. ” – KT

“Fear is a funny thing. It causes people to do things that don’t make sense, just so they can feel like they control something. ” – KT

“Everybody always says, every single time, ‘this time it’s different.’ After almost 30 years as an investor, what I’ll say to you is ‘no its not.’ Someday people will start eating out again and they’ll stop hoarding toilet paper. ” – KT

“(Guests) don’t expect (your rental) to be a hotel. They expect you to be immaculate and operational. If you’re not willing to do that, work harder at your day job. ” – KT

“Booking houses is (these companies) gig. Customer service, not so much.” - KT

"Consider right sizing your housing to meet your income. Not the other way around." - KT

“This is your money. You worked hard all last year for it. If you’re due a tax return this is money you’ve overpaid the government, that they got to borrow for free all year. Don’t let anybody else take any more of it before you get to call it yours.” - KT

“What this really means is (the government) created a disadvantage for working and saving Americans over wealthy Americans who get to pass nearly the bulk of their entire estate tax free. ” – KT

“Investors are getting a little bit more careful about understanding that companies have to have a path to profitability. ” – KT

“You can’t pick (the market). All you can pick is your exposure to it and constantly manage that process. ” – KT

“I see it all of the time. People thinking they’re going to retire and then they get closer. They can’t figure out what they’re going to do when they (retire) and they don’t like the idea of spending money so they stay (working). ” – KT

"The idea that you’re going to have a little tent sign that you bought at Home Depot...It doesn’t work like that. It’s a little harder than that.” – KT

“If you’re one of those people who are able to do real well because of any or some of these tips, then next year we can talk about something else.” – KT

“(Working) is a great transition plan for someone coming into retirement. The ability to work some, but not all the time, to do what you’re really good at and you really still enjoy.” – KT

“If people are more optimistic and the pessimist are on vacation, then stocks can actually rise.” – KT

“You used to go to the malls once a week, but now you shop every day. We’re not going the right way.” – KT

So what if you die without a will? The state has a will they'll use...and that may not be how you want it done. -KT

"A little bit of spending can go a long way." - KT

“I personally think everybody could save a little bit of money on home entertainment and internet. I encourage you to open that (cable bill) and give it a shot.” – KT

“Looking for bills you don’t know and figuring out how to get them away is a real job in America today.” - KT

“Maybe when you’re thinking about what you can do to save you some money, that could reduce your carbon footprint, that could help the environment, it might be as simple as buying a Britta water filter and a safe water bottle.” - KT

“(Black Friday) is really the single most expensive day off Americans ever had.” - KT

"The problem with money shaming, like fat shaming, it leads to growing the problem, not shrinking it." - KT

“We don’t get paid to go to school. We don’t get forgiveness when we go to work in the school district and we still have to pay for our advanced degree…Some of this seems really unfair.” - KT