Thrift is a habit. A habit is a thing you do unconsciously or automatically, without thought. We are ruled by our habits... The habit of thrift proves your power to rule your own psychic self. You are the captain of your soul. You are able to take care of yourself, and then out of the excess of your strength you produce a surplus.
Thrift is not, as many suppose, a self repression. It is self expression, the demonstration of a will and ability to raise one's self to a higher plane of living. No depression was ever caused by people having too much money in reserve. No human being ever became a social drifter through the practice of sensible thrift.