"It is neither wealth nor splendor, but tranquility and occupation, which give happiness."  - Thomas Jefferson (1788)

"Debt is the slavery of the free."  Publilius Syrus (1st century BC)

"What the vast majority of American children need is to stop being pampered, stop being indulged, stop being chauffeured, stop being catered to.  In the final analysis it is not what you do for your children but what you have taught them to do for themselves that will make them successful human beings." - Ann Landers