The best things in life may be free, but things money can buy aren’t bad either. No one’s credit is as good as his money. Life would be far more pleasant if you could make money first—then make it last. Try to live within your income—it’s easier than living without one. Running into debt isn’t nearly as bad as running into your creditors. Some people are always in debt because they keep spending what their friends think they make. You cannot take your money to heaven, but you can invest it for eternity.