Opportunity is a haughty goddess who wastes no time with those who are unprepared. a
As for time, all men have it in abundance.
Without wisdom, gold is quickly lost by those who have it.
Desires must be simple and definite. They defeat their own purpose should they be too many, too confusing, or beyond a man's training to accomplish
It costs nothing to ask wise advice from a good friend.
Advice is one thing that is freely given away, but watch that you take only what is worth having. He who takes advice about his savings from one who is inexperienced in such matters, shall pay with his savings for proving the falsity of their opinions.