One of the dangers of habitual accumulation is using the time available for enjoyment in furious acquisition of more and more. We substitute the joy of ownership for the desire of accumulation. Luxuries become necessities. The tyranny of things overwhelms the acquisitive heart.

• simplicity
• thrift

Your use of leisure largely determines your progress – invest it, don’t spend it.

• time management
• leisure

Race horses have more tension than mules, so you can’t expect the earnings of a thoroughbred and the placidity of a mule.

• personality

Decide on a way of life and then earn the money to finance it – don’t do it the other way around.

• wealth
• money

I have found you have a choice: laugh or have high blood pressure.

• humor

Success is the ratio of talents used to talents received.

• success