9FRUGALITY AND SELF-RELIANCE

If you do not conquer self, you will be conquered by others.

—NAPOLEON HILL

When your income from investments exceeds your income from your job, you can consider yourself wealthy.

EVEN IF YOU use your skills and hard work to make a good income, the seed of success will not be in you unless you learn to save part of your earnings.

If you cannot save a portion of your income when you are not making a lot of money, you are likely to find that it is no easier to save when your income increases. It is easy to tell yourself, “Someday, when I make more money, I will have money to save.” The problem with that thinking is that “someday” is not a part of the calendar. It is a polite way of lying to yourself to get yourself ...

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