節儉　　There is not a thrifty man but becomes a rich man sooner or later. Why? Because he will not spend such money as is unnecessary. Little by little his money will accumulate. Ten to one, he is bound to make a fortune.　　I do not like such men as spend their money in a wrong way. They do not know extravagance is a bad thing. It can only make them happy for the time being. In short, thrift makes poor men rich and extravagance makes rich men poor.　　沒有一個節儉的人遲早不成為一個富翁。為什么？因為他決不花像那種不必要的錢。漸漸他的錢就會聚積起來。十之八九，他一定會發財的。我不喜歡那種亂花錢的人。他們不知道奢侈是一件壞事。它只能夠使他們暫時快樂而已。總而言之，節儉使窮人變富，奢侈使富人變窮。