Credit is a subsidy, and it stands the hustling business man in good stead.
Many men have started in business with a capital only of ability, hard work, honesty and good reputation.
The use or abuse of credit determines whether a man will rise or fall.
Keep your record clean, and if later you get on the shoals your past will stand you in good stead.
If you have been given to sharp practice or dishonesty, woe be unto you when you fall.
Remember these things carefully. Keep in personal touch with your creditors, keep your promises, pay on account when you cannot pay in full, hustle, be honest, keep good company, don't gamble, don't be a sport. If you practice these virtues, offers of aid will come to you rather than flee from you.
Never Quit Work
The average young man makes up his mind that at fifty or sixty years of age he will retire and take things easy for the rest of his days. The average young man makes a great mistake. It is far better to wear out than to rust out.
To the young man work is a drudge, a necessity to keep him alive. In middle age work is an accepted thing and we are used to it, and feel rather the better for having occupation.