"Today, there are three kinds of people:  the have's, the have-not's, and the have-not-paid-for-what-they-have's." - Earl Wilson

“We encourage you wherever you may live in the world to prepare for adversity by looking to the condition of your finances. We urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt. . . . If you have paid your debts and have a financial reserve, even though it be small, you and your family will feel more secure and enjoy greater peace in your hearts (emphasis added).” - The First Presidency of The Church of Jesus Christ of Latter-Day Saints