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If someone's ungrateful and you tell him he's ungrateful, okay, you've called him a name. You haven't solved anything.

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J. Reuben Clark

Let us avoid debt as we would avoid a plague. . . Let every head of every household see to it that he has on hand enough food and clothing, and, where possible, fuel also, for at least a year ahead. . . Let every head of household aim to own his own home, free from mortgage. Let us again clothe ourselves with these proved and sterling virtues-honesty, truthfulness, chastity, sobriety, temperance, industry, and thrift; let us discard all covetousness and greed.