“The secret of success lies never in the amount of money, but in the relation of income to outgo; as if, after expense has been fixed at a certain point, then new and steady rills of income, though never so small, being added, wealth begins.”
— Ralph Waldo Emerson Primary source“Everybody who is adult should save and not be stupidly spending money and defer gratification to get more later.”
— Charlie Munger Primary source“A penny saved is a penny earned.d”
— Benjamin Franklin DisputedWealth Earning Frugality Money Expenses