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“The real comforts of life cost but a small portion of what most of us can earn.”
The sentence distinguishes basic comfort from status consumption, arguing that many discretionary expenses arise from luxury and comparison rather than necessity.
Source note: The Art of Money Getting, expense-account discussion; Project Gutenberg #8581. This is Barnum’s historical generalization about comfort and spending, not a modern cost-of-living statistic.
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“Go home and lead a simple life.”
A simpler life can redirect attention toward useful work, family obligations, and sustainable choices instead of maintaining appearances that create pressure.
Source note: Character Building, “Last Words,” Project Gutenberg #60484. In the closing address, Washington warns departing students not to feel superior to their families after schooling and then tells them to go home, live simply, help their parents and practise politeness.
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“Thrift is the spirit of order in human life.”
Order means aligning limited resources with real priorities so that unnecessary disorder does not repeatedly consume time, money, and attention.
Source note: Thrift, Chapter V, “Examples of Thrift,” Project Gutenberg #14418. In the chapter’s opening discussion of domestic management, Smiles develops thrift as orderly use of household resources and then calls it the spirit of order in human life.
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“Thrift is merely common sense in every-day working action.”
The principle is made practical rather than glamorous: ordinary, repeated decisions about work and spending matter more than occasional dramatic gestures.
Source note: Thrift, Chapter II, “Habits of Thrift,” Project Gutenberg #14418. Smiles says thrift requires neither exceptional courage nor intellect but ordinary common sense, resistance to selfish enjoyment and patient self-denial.
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“True economy consists in always making the income exceed the out-go.”
Barnum defines practical economy through a durable margin between income and spending rather than through isolated acts of penny-pinching.
Source note: The Art of Money Getting, opening discussion of economy; Project Gutenberg #8581. Barnum’s rule is historical conduct-of-life advice, not individualized financial planning.
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“You cannot accumulate a fortune by taking the road that leads to poverty.”
Barnum argues that spending patterns incompatible with saving cannot be reconciled merely by hoping for future wealth or higher income.
Source note: The Art of Money Getting, economy discussion; Project Gutenberg #8581. The road metaphor appears in Barnum’s warning against living fully up to one’s means.