"We have been seduced into believing that borrowed money has no penalty, that financial bondage is an acceptable way to live. I suggest that it is not. We would do well to look to the condition of our personal finances, to be modest and prudent in our expenditures, to discipline our purchasing and avoid debt to the extent possible, to pay off debt quickly, and to free ourselves from the bondage of others.
"May we set our houses in order. If we have paid our debts, if we have a reserve, even though it be small, then should storms howl about our heads, we will have shelter for our families and peace in our hearts" (Standing for Something, p. 87).
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