They have sufficient skill and industry to do the one, but they want the necessary wisdom to do the other.

The temporary passion for enjoyment seizes us, and we give way to it without regard to consequences.

And yet it may be merely the result of forgetfulness, and might be easily controlled by firmness of will, and by energetic resolution to avoid the occasional causes of expenditure for the future.

The habit of saving arises, for the most part, in the desire to ameliorate our social condition, as well as to ameliorate the condition of those who are dependent upon us.

It dispenses with everything which is not essential, and avoids all methods of living that are wasteful and extravagant.