Remember, that time is money... Remember that credit is money... In short, the way to wealth, if you desire it, is as plain as the way to market. It depends chiefly on two words, industry and frugality; that is, waste neither time nor money, but make the best use of both. Without industry and frugality, nothing will do. With them, everything.
Employ thy time well if thou meanest to gain leisure; and since thou art not sure of a minute, throw not away an hour. Leisure is time for doing something useful, and this leisure the diligent man will obtain, but the lazy man never, for a life of leisure and a life of laziness are two things.