“The key to spending less than we earn is simple—it is called
discipline. Whether early in life or late, we must all eventually learn
to discipline ourselves, our appetites, and our economic desires. How
blessed is he who learns to spend less than he earns and puts something
away for a rainy day”
President N. Eldon Tanner (see Conference Report, Oct. 1979, 119; or Ensign, Nov. 1979, 81).