Who you spend time with shapes everything — your habits, your ambitions, and ultimately your success. I tell my Harvard students this all the time: don’t waste your life in consulting hell, surrounded by mediocrity. America’s greatness was built by entrepreneurs, people who took risks, created jobs, and passed that mindset down. Culture is capital. It’s what turns ambition into prosperity and keeps the American Dream alive. | Kevin O'Leary

One financial rule everyone should follow but never does: never go into debt to buy something you don’t need. If you can’t afford it, don’t buy it. I don’t care if it’s a watch, a car, or a toy...debt will bury you alive. | Kevin O'Leary