Debt never sleeps nor sickens nor dies; it never goes to the hospital; it works on Sundays and holidays; it never takes a vacation...it is never laid off work...it buys no food; it wears no clothes; it is unhoused... it has neither weddings nor births nor deaths; it has no love, no sympathy; it is as hard and soulless as a granite cliff. Once in debt, it is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it...and whenever you get in its way or cross its course or fail to meet its demands, it crushes you.

You have the highest of human trusts committed to your care. Providence has showered on this favored land blessings without number, and has chosen you as the guardians of freedom, to preserve it for the benefit of the human race. May He who holds in his hands the destinies of nations, make you worthy of the favors He has bestowed, and enabled you with pure hearts and hands and sleepless vigilance, to guard and defend to the end of time, the great charge He has committed to your keeping.

We are met today in a general conference. Sometimes, I hear, the people feel, some of them, that perhaps we are not quite as "peppy" as we ought to be. But this is not a Church convention. This is a general conference where we meet for general counsel and advice. It is a place to which we come for the results of the reflective operations of our minds.

Motherhood is near to divinity. It is the highest, holiest service to be assumed by mankind. It places her who honors its holy calling and service next to the angels.

Let us again clothe ourselves with these proved and sterling virtues - honesty, truthfulness, chastity, sobriety, temperance, industry, and thrift; let us discard all covetousness and greed.

Let us avoid debt as we would avoid a plague...Let every head of every household see to it that he has on hand enough food and clothing, and, where possible, fuel also, for at least a year ahead...Let every head of household aim to own his own home, free from mortgage. Let us again clothe ourselves with these proved and sterling virtues-honesty, truthfulness, chastity, sobriety, temperance, industry, and thrift; let us discard all covetousness and greed.

The real long term objective of the Welfare Plan is the fulfilling of character in the members of the Church, givers and receivers, rescuing all that is finest down deep inside of them, and bringing to flower and fruitage the latent richness of the Spirit, which, after all, is the mission and purpose and reason for being of this Church.