"At the end of the day, no matter how well you score, you've got to be able to stop people"

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We are not to judge thrift solely by the test of saving or spending. If one spends what he should prudently save, that certainly is to be deplored. But if one saves what he should prudently spend, that is not necessarily to be commended. A wise balance between the two is the desired end.

— Owen D. Young