"[Avoid] likewise the accumulation of debt."

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Action is hope. At the end of each day, when you've done your work, you lie there and think, Well, I'll be damned, I did this today. It doesn't matter how good it is, or how bad-you did it. At the end of the week you'll have a certain amount of accumulation. At the end of a year, you look back and say, I'll be damned, it's been a good year.

— Ray Bradbury