And with the first fruits of all your increase; So your barns will be filled with plenty, And your vats will overflow with new wine.
You have been in a business which would at times yield you large profits at once. After you have earned means, you have not studied to economize in reference to a time when means could not be earned so easily, but have expended much for imaginary wants. Had you and your wife understood it to be a duty that God enjoined upon you, to deny your taste and your desires, and make provision for the future, instead of living merely for the present, you could now have had a competency, and your family have had the comforts of life. You have a lesson to learn which you should not be backward in learning. It is to make a little go the longest way….
It is certain you have not economized in everything or you would now have something to show as the result of that wise economy which is praiseworthy in any young man. To carefully reserve a portion of each week's wages and lay by a certain sum every week which is not to be touched, should be your rule...[then] you would have a little competency untouched should you become sick, that the charities of others would not be your dependence. You have needlessly expended much means which now might be on interest, and you be having some returns....You might have had, even from your limited wages, means in reserve for any demand. It might have been invested in a lot of land which would be increasing in value. But for a young man to live up to the last dollar he earns shows a great lack of calculation and discernment. Since mortals have bodies and heads and hearts to be provided for, some provision for the body must be made in order to hold a proper position in the world. Not to meet the world's standards—oh, no, no indeed; but to be of influence in the world for good.