A farm son who is all 'go-go' and a farm dad who is all 'slow-go'. What a good combination if this can be well harnessed and the emotions controlled.

What might slow-go Dad say and do that would help go-go Son and their working combination?

The concept of being an autumn spender still has merit especially when cash is limited or not yet visible - and driven a little slower the existing tractor still has a reasonable life in it – its market value has already bottomed out.

Make sure you have met your latest girlfriend's mother – quite a number of factors are hereditary, The best thing fathers can do for their children is to love their mother; you reap what you sow, not what you turn over in your mind.

God gives every bird its food but he does not throw it into the nest. If you really want to get out of debt this is what you will do – it is called 'getting mad'.

You will spend more if you use credit cards and maturity doesn't come with age, it comes with acceptance of responsibility.

Live on less than you make. It is not rocket science. Being mediocre and just living cheque to cheque, worry to worry, problem to problem all your whole life – that's the hard stuff. The easy stuff is sacrificing, focusing and being intense for just a few years. It will be worth it.

Make a budget, write it down, give every dollar a name. You don't drown by falling in the water. You drown by staying there. Ignoring a problem only makes it bigger and failure is the opportunity to begin again more intelligently. Man must work, that is as certain as the sun, but he may work grudgingly or he may work gratefully.

As you work on your finances together you will begin to change your family tree. The pressure is real and must be met with compassion, thought, focus and tough love. A person who risks nothing, does nothing, has nothing and tends to be nothing. They may avoid suffering and sorrow but they tend to not learn, feel, change, grow, love and live. They are chained by their attitude. Only a person who takes calculated risks is free.

With many people worry is a misuse of their imagination but vision without action is a day dream. Action without vision is a nightmare.

The best way to get rich quick is to get rich slow. Perseverance is the key. True wealth building is hard and it takes time. I am not against toys, just against toys that eat your lunch. If you can't pay cash then there is a message.

Many people talk themselves into failure, probably more than talk themselves into success. There are dreamers and there are planners. The planners make their dreams come true.

To bring up a child in the way he or she should go you need to travel that way yourself once in a while. Not everything can be money driven; success outside of the home rarely compensates for failure within it.

A little bit of controlled pain when you are 16 can change your life when you are 36. Remember if you aim at nothing you will hit it every time. A budget is telling your money where to go instead of wondering where it went. Never forget that well done is always better than well said.

Money that comes easily often disappears quickly but money that is gathered little by little will grow. It is unusual to see a monument erected to a pessimist. 

Character is not made in a crisis, it is only exhibited. Money is like manure. If you leave it in a pile it stinks, but if you spread it about it does a lot of good. Those who aim low usually hit their targets. Business success is 80 per cent behaviour and 20 per cent in the head. Get smart, get motivated, get going.