A budget tells us what we can't afford, but it doesn't keep us from buying it.

Few of us get anything without working for it

They always include equipment in their budget. If they are taking that money and then turning around and buying equipment from their three funds, I would have a problem.

Let us resolve to do the best we can with what we've got

Not a tenth of us who are in business are doing as well as we could if we merely followed the principles that were known to our grandfathers

If we do not discipline ourselves the world will do it for us.