If the gospel is only for the learned, how few there are of us who could have any use for it.

One year ago, on this occasion, I called your attention to the abuses that had crept into the distribution of our public funds, and I urged you and pleaded with you that, so far as the Church and its membership were concerned, we do not soil our hands with the bounteous outpouring of funds which the government was giving unto us. I renew that plea now. My brethren and sisters, for the sake of the government which we love, for the sake of the government which we believe was divinely inspired, be honest with it. Be honest, just ordinarily gold honest. That is all I ask.

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.

...when we really get into hard times, where food is scarce or there is none at all, and so with clothing and shelter, money may be no good for there may be nothing to buy, and you cannot eat money, you cannot get enough of it together to burn to keep you warm, and you cannot wear it.

Let us avoid debt as we would avoid a plague; where we are now in debt, let us get out of debt; if not today...tomorrow.

There is no curse equal to the curse of idleness. It destroys the man, the group, the people, or the nation who suffer under it.

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.