'For age and want save while you may;
No morning sun lasts a whole day.'
Gain may be temporary and uncertain, but ever while you live, expense is constant and certain; and 'It is easier to build two chimneys than to keep one in fuel,' as Poor Richard says; so, 'Rather go to bed supperless than rise in debt.'
'Get what you can, and what you get hold;
'Tis the stone that will turn all your lead into gold.'
And when you have got the Philosopher's Stone, sure you will no longer complain of bad times or the difficulty of paying taxes.
"This doctrine, my friends, is reason and wisdom: but after all, do not depend too much upon your own industry and frugality and prudence, though excellent things; for they may all be blasted, without the blessing of Heaven; and therefore ask that blessing humbly, and be not uncharitable to those that at present seem to want it; but comfort and help them. Remember, Job suffered and was afterwards prosperous.
"And now, to conclude, 'Experience keeps a dear school, but fools will learn in no other,' as Poor Richard says, and scarce in that; for it is true, 'We may give advice, but we cannot give conduct.' However, remember this: 'They that will not be counseled, cannot be helped;' and further, that 'If you will not hear Reason, she will surely rap your knuckles,' as Poor Richard says."
Thus the old gentleman ended his harangue. The people heard it and approved the doctrine; and immediately practiced the contrary, just as if it had been a common sermon; for the auction opened and they began to buy extravagantly. I found the good man had thoroughly studied my Almanacks, and digested all I had dropped on these topics during the course of twenty-five years. The frequent mention he made of me must have tired any one else; but my vanity was wonderfully delighted with it, though I was conscious that not a tenth part of the wisdom was my own, which he had ascribed to me, but rather the gleanings that I had made of the sense of all ages and nations. However, I resolved to be the better for the echo of it; and though I had at first determined to buy stuff for a new coat, I went away resolved to wear my old one a little longer. Reader, if thou wilt do the same, thy profit will be as great as mine. I am, as ever, thine to serve thee,
Richard Saunders.