Source identified1
“Waste neither Time nor Money, but make the best Use of both.”
Franklin compresses practical discipline into stewardship of two limited resources: time and money.
Source note: Advice to a Young Tradesman, 21 July 1748; concluding advice on industry and frugality.
Source identified2
“Resolve to perform what you ought; perform without fail what you resolve.”
Resolution becomes useful only when followed by execution; the maxim links deliberate standards with the habit of carrying them through.
Source note: Autobiography of Benjamin Franklin; this is Franklin’s fourth listed virtue, Resolution.
Source identified3
“America is the Land of Labour”
Franklin rejects European fantasies of effortless prosperity in eighteenth-century North America, emphasizing that newcomers should expect productive labor rather than automatic wealth or patronage.
Source note: Information to Those Who Would Remove to America, before March 1784; Founders Online. This is historical emigration advice written for Europeans and is not a claim about present-day U.S. labor or immigration conditions.
Source identified4
“he must work and be industrious to live.”
Franklin tells prospective emigrants without inherited wealth that livelihood would depend on work and industry, directly countering expectations of effortless advancement after arrival.
Source note: Information to Those Who Would Remove to America, before March 1784; Founders Online. The lowercase opening is retained because this is a clause from Franklin’s longer sentence about strangers, law, liberty and industry.
Source identified5
“every one will enjoy securely the Profits of his Industry.”
Franklin presents secure enjoyment of earned returns as one advantage he associated with laws and liberty in the North America of his period.
Source note: Information to Those Who Would Remove to America, before March 1784; Founders Online. The statement is eighteenth-century description and advocacy, not modern financial, employment or immigration guidance.
Source identified6
“Little strokes fell great oaks.”
Small repeated efforts can accomplish work that seems too large for a single burst of effort, making consistency itself a practical form of strength.
Source note: Poor Richard’s Almanack; a compact maxim about cumulative effort.
Source identified7
“Well done is better than well said.”
Franklin gives execution priority over impressive promises or intentions.
Source note: Poor Richard’s Almanack.
Source identified8
“Diligence is the mother of good luck.”
Persistent effort improves the odds of useful results because steady work creates more opportunities for progress than waiting for favorable circumstances.
Source note: Poor Richard’s Almanack; the maxim appears in Franklin’s collected Poor Richard material.
Source identified9
“Drive thy business, or it will drive thee.”
Work becomes harder to control when it is left unmanaged; the maxim favors deliberate direction, priorities, and active stewardship over reactive pressure.
Source note: Poor Richard’s Almanack; a compact maxim about managing work before accumulated demands begin managing you.
Source identified10
“Creditors have better memories than debtors.”
Debt can feel less urgent to the borrower than to the person awaiting repayment, making the line a dry reminder about financial obligations and accountability.
Source note: Poor Richard’s Almanack for 1736; Franklin uses a short contrast to emphasize the persistence of financial obligations.
Source identified11
“He that can have patience can have what he will.”
The proverb presents patience as a practical advantage in goals that require time rather than immediate reward.
Source note: Poor Richard’s Almanack.
Source identified12
“Employ thy time well, if thou meanest to gain leisure.”
Leisure is easier to protect when working time is used deliberately, linking time management with freedom rather than treating organization as an end in itself.
Source note: Poor Richard’s Almanack; the maxim connects disciplined use of working time with the ability to gain leisure.
Source identified13
“Early to bed and early to rise, makes a man healthy, wealthy, and wise.”
The proverb links routine and self-discipline with health, productivity, and practical judgment.
Source note: Poor Richard’s Almanack; proverb on routine, work and practical discipline.
Source identified14
“Hide not your talents. They for use were made. What’s a sundial in the shade?”
Ability has little practical value when it is permanently hidden; talent becomes useful through application and visibility.
Source note: Poor Richard’s Almanack.
Source identified15
“moderate your desire of victory over your adversary, and be pleased with one over yourself.”
Franklin shifts the measure of victory from exploiting another player’s mistakes toward self-command, generosity and the ability to restrain one’s own competitive appetite.
Source note: The Morals of Chess; Founders Online authoritative Franklin Papers text. The wording begins mid-sentence after Franklin’s condition that the game is not being played rigorously; source context is preserved here.
Source identified16
“No false move should ever be made to extricate yourself out of a difficulty, or to gain an advantage.”
Franklin uses a rule of fair chess play as an ethical analogy: escaping difficulty through deception destroys trust and turns apparent advantage into unfair conduct.
Source note: The Morals of Chess, composed before 28 June 1779; Founders Online authoritative Franklin Papers text. The sentence is rule three in Franklin’s advice on fair play.
Source identified17
“Lying rides upon Debt’s back.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
The compact maxim warns that unpaid obligations can create incentives for evasion, delay, or false promises when payment becomes difficult.
Source note: The Way to Wealth, debt-and-credit section; Project Gutenberg #43855. The line immediately reinforces Franklin’s warning about debt and truthfulness.
Source identified18
“Many have been ruined by buying good pennyworths.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
A low price does not make a purchase beneficial when the item is unnecessary or when buying it leaves too little for more important needs.
Source note: The Way to Wealth, frugality section; Project Gutenberg #43855. “Pennyworth” refers to an apparent bargain and the warning is about false economy.
Source identified19
“Industry pays debts, while despair increaseth them.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Franklin contrasts productive effort with passive discouragement, presenting earned income and continued work as practical ways to reduce obligations.
Source note: The Way to Wealth / Poor Richard Improved, industry section; represented by Project Gutenberg #43855. Father Abraham is compiling maxims from Franklin’s earlier Almanacks.
Source identified20
“The second vice is lying, the first is running in debt.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Franklin links avoidable debt with later pressure to make excuses or break promises, presenting financial obligation as a potential test of honesty.
Source note: The Way to Wealth, debt-and-credit section; Project Gutenberg #43855. This is eighteenth-century moral rhetoric and should not be read as a judgment that indebted people are inherently dishonest.
Source identified21
“Never leave that till tomorrow, which you can do to-day.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
The maxim turns prompt action into a habit: work that can reasonably be completed now should not be needlessly transferred to an uncertain tomorrow.
Source note: The Way to Wealth; a Poor Richard maxim on delay and useful employment of time.
Source identified22
“It is foolish to lay out money in a purchase of repentance.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Money spent on an unnecessary bargain can create regret rather than value, making restraint part of good purchasing judgment.
Source note: The Way to Wealth, frugality section; Project Gutenberg #43855. Father Abraham uses the maxim while warning auction buyers against purchases made only because they seem cheap.
Source identified23
“Beware of little expences; A small leak will sink a great ship.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Small recurring expenses can become significant when repeated, so minor purchases deserve attention when they steadily erode a limited budget.
Source note: The Way to Wealth, frugality section; Project Gutenberg #43855 preserves the historical spelling “expences.” The ship image is one of the Poor Richard maxims quoted by Father Abraham.
Source identified24
“Beware of little expenses; a small leak will sink a great ship.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Small recurring costs can matter more than they appear individually, so careful attention to minor spending is part of long-term financial discipline.
Source note: The Way to Wealth; Father Abraham repeats the Poor Richard maxim while warning about small but cumulative expenses.
Source identified25
“If you would be wealthy, think of saving as well as of getting.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Income alone does not create financial security; keeping part of what is earned is presented as a necessary companion to earning it.
Source note: The Way to Wealth, Franklin’s compilation of Poor Richard maxims.
Source identified26
“If you would know the value of money, go and try to borrow some.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Borrowing makes the cost and scarcity of money concrete, turning an abstract idea of value into an immediate obligation.
Source note: The Way to Wealth, in Franklin’s discussion of debt and credit.
Source identified27
“Buy what thou hast no need of, and ere long thou shalt sell thy necessaries.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Unnecessary consumption can eventually threaten necessary resources, making restraint a practical part of financial independence.
Source note: The Way to Wealth, in the section warning against needless expense.
Source identified28
“Always taking out of the meal-tub, and never putting in, soon comes to the bottom.”
Voice: Authorial persona / framed maxim · Poor Richard maxim, repeated through Father Abraham
Resources decline when withdrawals are not matched by replenishment, turning a household image into a warning about spending down finite savings.
Source note: The Way to Wealth, frugality section; Project Gutenberg #43855. The meal-tub is Franklin’s domestic metaphor for continual consumption without replacement.