"Part of our problem with debt is that we have confused needs with wants. Yesterday’s luxuries are today’s necessities."
Billy Graham
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"It takes money to make money, even begging. Humans are herd animals. If a stranger’s bleeding to death beside the road, most people won’t stop to offer a Band-Aid. But get the ball rolling with a couple Good Samaritans, and before you know it you’ve got more eager philanthropists than you know what to do with."
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