It cannot be denied that outward accidents conduce much fortune, but chiefly, the mold of a man’s fortune is in his hands.
The brave man carves out his fortune, and every man is the son of his own works.
He is a good man whom fortune makes better.
There sometimes wants only a stroke of fortune to discover numberless latent good or bad qualities, which would otherwise have been eternally concealed.
Fortune is for all; judgment is theirs who have won it for themselves.
No gain is so certain as that which proceeds for the economical use of what you already have.
Thrift is care and scruple in the spending of one’s means. It is not a virtue and it requires neither skill nor talent.
Large enterprises make the few rich, but the majority prosper only through the carefulness and detail of thrift.
We are not to judge thrift solely by the test of saving or spending. If one spends what he should prudently save, that certainly is to be deplored. But if one saves what he should prudently spend, that is not necessarily to be commended. A wise balance between the two is the desired end.
Parsimony, and not industry, is the immediate cause of the increase of capital. But whatever industry might acquire, if parsimony did not save and store up, the capital would never be the greater.