“The way to wealth is as plain as the way to market. It depends chiefly on two words, industry and frugality: that is, waste neither time nor money, but make the best use of both. Without industry and frugality nothing will do, and with them everything.”

“Everything gives way to money, and money gives way to nothing, neither to man nor to God.”

“Be studious in your profession, and you will be learned. Be industrious and frugal, and you will be rich. Be sober and temperate, and you will be healthy. Be in general virtuous, and you will be happy. At least you will, by such conduct, stand the be.”

“1. TEMPERANCE. Eat not to dullness; drink not to elevation. 2. SILENCE. Speak not but what may benefit others or yourself; avoid trifling conversation. 3. ORDER. Let all your things have their places; let each part of your business have its time. 4. RESOLUTION. Resolve to perform what you ought; perform without fail what you resolve. 5. FRUGALITY. Make no expense but to do good to others or yourself; i.e., waste nothing. 6. INDUSTRY. Lose no time; be always employ'd in something useful; cut off all unnecessary actions. 7. SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you...”

“There are two ways to increase your wealth. Increase your means or decrease your wants. The best is to do both at the same time.”

“I have come to realize that truly rich people are rich not because they are frugal or they chose to be frugal, but because they are so grateful, contented and full of self-worth that they don't have to prove anything to anyone with material possessions. This way, they appear frugal.”