The Positive Page: Insights from Wisdom & Wisecracks Author, Will Estell

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The Positive Page: Insights from Wisdom & Wisecracks Author, Will Estell The Positive Page offers original insights and quotes from the Wisdom & Wisecracks books by Will Estell. (c.) year, -Will Estell ).

This page is full of original insights, thought provoking quotes, and positive affirmations about life, business, family, relationships and more by writer and magazines founder, Will Estell, and various positive thinkers in media and entrepreneurship. Will Estell personally admins this page and writes about everything from business and entrepreneurship to relationships and parenting. A great place to find a little something for everyone and maybe even a quote or two that will hit home, and make you feel better about your own situation, or answer a concern you might have in your personal life or your business. All quotes are copyright by the author, and as such cannot be reprinted without the prior permission (which is normally given, when asked) of the Author. YOU ARE WELCOME TO RE-POST ANY QUOTE SEEN ON THIS PAGE, as long as it's by Will Estell and is credited afterward as such (i.e. Please enjoy, use, think about, learn from, and invite your friends to also "LIKE" this page.

07/24/2026

Gary Vaynerchuk isn’t wrong. Try it!

06/21/2026

Money stress is REAL. Maybe you’re struggling with debt, living paycheck to paycheck, or feeling like you’ll never get ahead. I’ve been there. BUT, there’s a proven plan that works to turn things around. It's called the 7 Baby Steps.

These work 100% of the time when you follow them in order. No shortcuts.

Baby Step 1: Save $1,000 for your starter emergency fund.
You can’t build wealth if you’re constantly borrowing money every time life throws you a curveball. Get this quick win under your belt ASAP.

Baby Step 2: Pay off all debt (except the house) using the debt snowball.
List your debts smallest to largest, attack the smallest one with a vengeance, and roll those payments into the next debt. Keep the momentum going until you’re debt-free!

Baby Step 3: Save 3–6 months of expenses in a fully funded emergency fund.
This is your cushion for when (not if) life happens. With this fund, a job loss, medical emergency, or car repair won’t send you back into debt. (A lot of people continue the savings momentum right after completing this step to save up a down payment on a home.)

Baby Step 4: Invest 15% of your household income in retirement.
You’re out of debt and have a safety net... now it’s time to build wealth! Max out your 401(k) match and invest consistently in good, growth stock mutual funds.

Baby Step 5: Save for your kids’ college fund.
You don’t have to take out student loans or saddle your kids with debt. Save early and let compound interest work for you!

Baby Step 6: Pay off your house early.
Imagine life without a mortgage payment. That’s financial freedom! Every extra dollar you throw at your mortgage gets you closer to complete ownership.

Baby Step 7: Build wealth and give generously.
This is where the real fun begins! You have no payments, no debt, and no financial stress. Now you can live and give like no one else!

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