Ben Franklin:"The Art of Making Money Plenty in Every Man's Pocket"

Sallie Krawcheck at Bank of America is currently on CNBC and letting it slip that consumers are using personal [financial] advisers far less now than they used to. That would appear to give more opportunity to personal finance blogs like this one. Of course, since I don't make the salary that she does ($10.6M+) all my advice should be given the proverbial grain of salt. I do, however, like to quote the famous and illustrious from my rare book collection. Here is another I found:

"At this time when the general complaint is that money is so scarce it must be an act of kindness to inform the moneyless how they can reinforce their purses. I will acquaint all with the true secret of money catching, the certain way to fill empty purses; how to keep them always full. Two simple rules well observed will do the business. 1st Let honesty and labor be thy constant companions: 2nd Spend one penny every day less than thy clear gains: Then shall thy purses soon begin to thrive, thy creditors will never insult thee nor want oppress nor hunger bite, nor naked freeze thee, the whole hemisphere will shine brighter, and pleasure spring up in every corner of thy heart.

Now thereby embrace these rules and be happy."

Ben Franklin, 1709-1790.