Debt is the secret foe of thrift, as vice and idleness are its open foes. The debt habit is the twin brother of poverty.

- Theodore T. Munger

The debt-habit is the twin brother of poverty.

- Theodore T. Munger

The lessons we learn in sadness and from loss are those that abide. Sorrow clarifies the mind, steadies it, and forces it to weigh things correctly. …

- Theodore T. Munger

Faith marches at the head of the army of progress. -It is found beside the most refined life, the freest government, the profoundest philosophy, the …

- Theodore T. Munger

Large enterprises make the few rich, but the majority prosper only through the carefulness and detail of thrift.

- Theodore T. Munger

Ill-luck is, in nine cases out of ten, the result of taking pleasure first and duty second, instead of duty first and pleasure second.

- Theodore T. Munger

Everything in nature is a puzzle until it finds its solution in man, who solves it in some way with God, and so completes the circle of creation.

- Theodore T. Munger