But thousands of witnesses daily testify, that men even of the most moderate intelligence, can practise the virtue with success.
Although Englishmen are a diligent, hard-working, and generally self-reliant race, trusting to themselves and their own efforts for their sustenance and advancement in the world, they are yet liable to overlook and neglect some of the best practical methods of improving their position, and securing their social well-being.

They are not yet sufficiently educated to be temperate, provident, and foreseeing.

They live for the present, and are too regardless of the coming time.

Men who are husbands and parents, generally think they do their duty if they provide for the hour that is, neglectful of the hour that is to come.
Though industrious, they are improvident; though money-making, they are spendthrift.

They do not exercise forethought enough, and are defective in the virtue of prudent economy.
Men of all classes are, as yet, too little influenced by these considerations.