"Waste neither time nor money, but make the best use of both. Without industry and frugality, nothing will do, and with them everything."
-- Benjamin Franklin
People should posses industriousness without limit for them to work hard and better themselves financially, physically, and mentally.
I know people who have plenty of assorted businesses and spend wisely on many things. But they go shopping every week and they spend for their appliances and cellphones. Most found out late that they are spending more than what they earn.