Everyone has the right to work, to free choice of employment, to just and favorable conditions of work and to protection against unemployment.

...real prosperity can only come when everybody prospers.

It is so much easier to be enthusiastic than to reason!

You seem to think that everyone can save money if they have the character to do it. As a matter of fact, there are innumerable people who have a wide choice between saving and giving their children the best possible opportunities. The decision is usually in favor of the children.

Unused ability, like unused muscles, will atrophy.

I believe that anyone can conquer fear by doing the things he fears to do, provided he keeps doing them until he gets a record of successful experience behind him.

There are no have-to's, just choices