"Let us avoid debt as we would avoid a plague...Let every head of every household see to it that he has on hand enough food and clothing, and, where possible, fuel also, for at least a year ahead...Let every head of household aim to own his own home, free from mortgage. Let us again clothe ourselves with these proved and sterling virtues-honesty, truthfulness, chastity, sobriety, temperance, industry, and thrift; let us discard all covetousness and greed."