"We never become truly spiritual by sitting down and wishing to become so. You must undertake something so great that you cannot accomplish it unaided."

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A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. It requires some training, perhaps, to accomplish this economy, but when once used to it, you will find there is more satisfaction in rational saving than in irrational spending.

— P. T. Barnum