• The way to wealth is as plain as the way to market. It depends chiefly on two words, industry and frugality: that is, waste neither time nor money, but make the best use of both. Without industry and frugality nothing will do, and with them everything.

    Benjamin Franklin (1819). “Franklin's Way to Wealth; or “Poor Richard improved,&c.” A new edition ... enlarged by Bob Short and adorned with copper-plates”, p.13
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