Ladiesandgentlemen:Welcomefuturemillionaires!I'mheretotalkaboutmoney.Weallneedmoney.Weallwanttoberich.Weallwanttomakeafortune.Moneydoesn'tgrowontrees.Moneydoesn'tcomeeasily.Letmetellyouhowtosavemoney.First,youmustbefrugal.Youshouldbecarefulwithyourmoney.Youshouldbeaconservativespender.Livewithinyourmeans.Livewithinyourbudget.Neverspendmorethanyoumake.Lookbeforeyouleap.Managemoneywisely.Don'tletmoneyburnaholeinyourpocket.Second,don’tbeaborrower.Payoffyourbills.Payoffwhatyouowe.Outofdebt,outofdanger.Debtislikeabottomlesspit.Onceinit,youfalldeeperanddeeper.Bedebtfree.Neverborrowfromothers.Keepawayfromdebt.Third,don'tbealender.Neverlendmoneytoothers.Lendyourmoneyandloseyourfriend.Lendonlyincaseofemergency.Lenonlyiftheneedisreasonable.Ifyourfriendasksforonehundred,lendhimtwenty.Noborrowing.Nolending.Pennyandpennylaidupwillbemany.Fourth,buythingswithcash.Avoidusingcreditcards.Avoidthoseinterestpayments.Neverspendyourmoneybeforeyouhaveit.Neverbuythingsyoucannotafford.Trytodowithoutcreditcards.Buyonlywhatyouneed.Don'tbuywhatyouwant.Knowthedifferencetosavemoney.Theaboveismyadvice.Fromsavingcomeshaving.Neitheraborrowernoralenderbe.Followtheserules.Theskyislimit.Yourmillionsarewaitingforyou.Thanksforlistening.Haveagreatday!Now,startsavingforfinancialsuccess.