It's not your salary that makes you rich, it's your spending habits.

It's not your salary that makes you rich, it's your spending habits.

In suggesting gifts: Money is appropriate, and one size fits all.

In suggesting gifts: Money is appropriate, and one size fits all.

If your outgo exceeds your income, then your upkeep will be your downfall.

If your outgo exceeds your income, then your upkeep will be your downfall.

All currency is neurotic currency.

All currency is neurotic currency.

If you want to give a man credit, put it in writing. If you want to give him hell, do read more

If you want to give a man credit, put it in writing. If you want to give him hell, do it on the phone.

Few great men could pass personal.

Few great men could pass personal.

There is no glory in outstripping donkeys.

There is no glory in outstripping donkeys.

Commerce is the cure for the most destructive prejudices.

Commerce is the cure for the most destructive prejudices.

The rich adopt novelties and become accustomed to their use. This sets a fashion which others imitate. Once the richer read more

The rich adopt novelties and become accustomed to their use. This sets a fashion which others imitate. Once the richer classes have adopted a certain way of living, producers have an incentive to improve the methods of manufacture so that soon it is possible for the poorer classes to follow suit. Thus luxury furthers progress. Innovation "is the whim of an elite before it becomes a need of the public. The luxury today is the necessity of tomorrow." Luxury is the roadmaker of progress: it develops latent needs and makes people discontented. In so far as they think consistently, moralists who condemn luxury must recommend the comparatively desireless existence of the wild life roaming in the woods as the ultimate ideal of civilized life.