[Credit] is an evidence of banking, but it is not the money itself.…

I owe the public nothing.

The first thing [in credit] is character … before money or anything else. Money cannot buy it.… A man I do not trust could not get money from me on all the bonds in Christendom. I think that is the fundamental basis of business.

Riches is not what we have, but what we enjoy.

Poverty is not the fault of the poor. It is the fault of a system that allows idleness at the top and starvation at the bottom.

I feel very sad, as though I had not a friend in the world.... A man is nowhere without money.... People care little about you without money.... People talk terribly. We find that we have but few friends left ... I feel sad and constantly …

The game of speculation is the most uniformly fascinating game in the world. But it is not a game for the stupid, the mentally lazy, the person of inferior emotional balance, or the get-rich-quick adventurer. They will die poor.