Everybody admits it, and recommends it.

But with respect to Political Economy, there are numerous discussions,--for instance, as to the distribution of capital, the accumulations of property, the incidence of taxation, the Poor Laws, and other subjects,--into which we do not propose to enter.
The subject of Private Economy, of Thrift, is quite sufficient by itself to occupy the pages of this book.
Economy is not a natural instinct, but the growth of experience, example, and forethought.

It is also the result of education and intelligence.

It is only when men become wise and thoughtful that they become frugal.

Hence the best means of making men and women provident is to make them wise.
Prodigality is much more natural to man than thrift.