Debt is the secret foe of thrift, as vice and idleness are its open foes. The debt habit is the twin brother of poverty.

Faith marches at the head of the army of progress. -It is found beside the most refined life, the freest government, the profoundest philosophy, the noblest poetry, the purest humanity.

Everything in nature is a puzzle until it finds its solution in man, who solves it in some way with God, and so completes the circle of creation.

The debt-habit is the twin brother of poverty.

Ill-luck is, in nine cases out of ten, the result of taking pleasure first and duty second, instead of duty first and pleasure second.

The lessons we learn in sadness and from loss are those that abide. Sorrow clarifies the mind, steadies it, and forces it to weigh things correctly. The soil moist with tears best feeds the seeds of truth.

Large enterprises make the few rich, but the majority prosper only through the carefulness and detail of thrift.