er putting in, soon comes
to the bottom."

"For age and want save while you may,--
No morning sun lasts a whole day."

"It is easier to build two chimneys than to keep one in fuel."

"A penny saved is a penny earned."

"A penny saved is twopence clear;
A pin a day is a groat a year."

"He that wastes idly a groat's worth of his time per day, one day with
another, wastes the privilege of using one hundred pounds each day."

To a young tradesman he wrote, in the year 1748:--

"Remember that time is money. He that can earn ten shilling a day
by his labour, and goes abroad or sits idle one half that day,
though he spend but sixpence during his diversion or idleness,
ought not to reckon that the only expense; he has really spent,
or rather thrown away, five shillings besides....

"In short, the way to wealth, if you desire it, is as plain as
the way to market. It depends chiefly on two words, _industry_
and _frugality_; that is, waste neither _time_ nor _money_, but
make the best use of both. Without industry and frugality nothing
will do, and with them everything. He that gets all he can
honestly, and saves all he gets (necessary expenses excepted),
will certainly become _rich_,--if that Being who governs the
world, to whom all should look for a blessing on their honest
endeavours, doth not, in his wise providence, otherwise
determine."

In these excellent sayings, time and money are spoken of together,
because time is money; and Franklin was never more economical of one
than of the other. All that he says of frugality in respect to
property applies equally to time, and _vice versa_. In his boyhood,
when he adopted a vegetable diet, he had no money to save, so that the
most of his economy related to time. It being to him as valuable as
gold, he was prompted to husband it as well. To some observers he
might have appeared to be penurious, but those who knew him saw that
he reduced another of his own maxims to practice: "We must save, that
we may share." He never sought to save time or money that he might
hoard the more of worldly goods to enjoy in a selfish way. He was ever
generous and liberal, as we shall see hereafter. The superficial
observer might suppose that a niggardly spirit prompted him to board
himself,--that he adopted a vegetable diet for the sake of mere lucre.
But nothing could be wider from the truth than suc