Brent D. Gardner, CLU, ChFC

"The only source of the generation of additional capital goods is saving. If all the goods produced are consumed, no new capital comes into being. But if consumption lags behind production and the surplus of goods newly produced over goods consumed is utilized in further production process, these processes are henceforth carried out by the aid of more capital goods.… Capital is not a free gift of God or of nature. It is the outcome of a provident restriction of consumption on the part of man. It is created and increased by saving and maintained by the abstention from dissaving."

"Action is preceded by thinking. Thinking is to deliberate beforehand over future action and to reflect afterwards upon the past action. Thinking and action are inseparable."