"Many more people could ride out the storm-tossed waves in their economic lives if they had their year's supply of food and clothing and were debt-free."
"I urge you to live within your means. One cannot spend more than one earns and remain solvent. I promise you that you will then be happier than you would be if you were constantly worrying about how to make the next payment on nonessential debt."
"If ye are prepared ye shall not fear."