richest man in babylon

richest man in babylon

“As for time, all men have it in abundance.

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‘A part of all you earn is yours to keep. It should be not less than a tenth no matter how littleyou earn. It can be as much more as you can afford. Pay yourself first. Do not buy from the clothes-maker and the sandal-maker more than you can pay out of the rest and still have enough for food andcharity and penance to the gods. “ ‘Wealth, like a tree, grows from a tiny seed. The first copper you save is the seed from whichyour tree of wealth shall grow. The sooner you plant that seed the sooner shall the tree grow.

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And next time if you would have advice about jewels,go to the jewel merchant. If you would know the truth about sheep, go to the herdsman. Advice is onething that is freely given away, but watch that you take only what is worth having. He who takes adviceabout his savings from one who is inexperienced in such matters, shall pay with his savings for provingthe falsity of their opinions.’

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“Fortunate only in that I had the desire to prosper before I first met him. For four years did I notprove my definiteness of purpose by keeping one-tenth of all earned? Would you call a fisherman luckywho for years so studied the habits of the fish that with each changing wind he could cast his nets aboutthem? Opportunity is a haughty goddess who wastes no time with those who are unprepared.”

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“Impress yourself with the idea. Fill yourself with the thought. Then take whatever portionseems wise. Let it be not less than one-tenth and lay it by. Arrange your other expenditures to do this ifnecessary. But lay by that portion first. Soon you will realize what a rich feeling it is to own a treasureupon which you alone have claim. As it grows it will stimulate you. A new joy of life will thrill you.Greater efforts will come to you to earn more. For of your increased earnings, will not the samepercentage be also yours to keep? “Then learn to make your treasure work for you. Make it your slave. Make its children and itschildren’s children work for you.

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“Now I shall tell thee the first remedy I learned to cure a lean purse.Do exactly as I have suggested to the egg merchant. For every ten coins thou placest within thy pursetake out for use but nine. Thy purse will start to fatten at once and its increasing weight will feel goodin thy hand and bring satisfaction to thy soul.

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This was my beginning. I, too, carried a lean purse and cursed it because therewas naught within to satisfy my desires. But when I began to take out from my purse but nine parts often I put in, it began to fatten. So will thine. “Now I will tell a strange truth, the reason for which I know not. When I ceased to pay outmore than nine-tenths of my earnings, I managed to get along just as well. I was not shorter thanbefore. Also, ere long, did coins come to me more easily than before.

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“This, my students, was the first cure I did discover for my lean purse: ‘For each ten coins I putin, to spend but nine.’ Debate this amongst yourselves.

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“This, then, is the second cure for a lean purse. Budget thy 43expenses that thou mayest havecoins to pay for thy necessities, to pay for thy enjoyments and to gratify thy worthwhile desires withoutspending more than nine-tenths of thy earnings.”

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a man’s wealth is not in the coins he carries in his purse; it is theincome he buildeth, the golden stream that continually floweth into his purse and keepeth it alwaysbulging. That is what every man desireth. That is what thou, each one of thee desireth; an income thatcontinueth to come whether thou work or travel.

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The money lender explained that because this sum had been increased bycompound interest, the original ten pieces of silver had now grown to thirty and one-half pieces.

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“Thus in fifty years had the investment multiplied itself at rental almost seventeen times. “This, then, is the third cure for a lean purse: to put each coin to laboring that it may reproduceits kind even as the flocks of the field and help bring to thee income, a stream of wealth that shall flowconstantly into thy purse.”

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“This, then, is the fourth cure for a lean purse, and of great importance if it prevent thy pursefrom being emptied once it has become well filled. Guard thy treasure from loss by investing onlywhere thy principal is safe, where it may be reclaimed if desirable, and where thou will not fail tocollect a fair rental. Consult with wise men. Secure the advice of those experienced in the profitablehandling of gold. Let their wisdom protect thy treasure from unsafe 47 investments.”

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“Then will thy heart be glad because thou wilt own in thy own right a valuable property and thyonly cost will be the king’s taxes. “Also wilt thy good wife go more often to the river to wash thy robes, that each time returningshe may bring a goatskin of water to pour upon the growing things. “Thus come many blessings to the man who owneth his own house. And greatly will it reducehis cost of living, making available more of his earnings for pleasures and the gratification of hisdesires. This, then, is the fifth cure for a lean purse: 0 wn thy own home”

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I recommend to allmen, that they, by wise and well thought out methods, do provide against a lean purse in their matureyears. For a lean purse to a man no longer able to earn or to a family without its head is a sore tragedy.”This, then, is the sixth cure for a lean purse. Provide in advance for the needs of thy growing age andthe protection of thy family.”

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“Preceding accomplishment must be desire. Thy desires must be strong and definite. Generaldesires are but weak longings. For a man to wish to be rich is of little purpose. For a man to desire fivepieces of gold is a tangible desire which he can press to fulfillment. After he has backed his desire forfive pieces of gold with strength of purpose to secure it, next he can find similar ways to obtain tenpieces and then twenty pieces and later a thousand pieces and, behold, he has become wealthy. Inlearning to secure his one definite small desire, he hath trained himself to secure a larger one. This isthe process by which wealth is accumulated: first in small sums, then in larger ones as a man learns andbecomes more capable.

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“Desires must be simple and definite. They defeat their own purpose should they be too many,too confusing, or beyond a man’s training to accomplish. “

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“Thus the seventh and last remedy for a lean purse is to cultivate thy own powers, to study andbecome wiser, to become more skillful, to so act as to respect thyself. Thereby shalt thou acquire confidence in thy self to achieve thy carefully considered desires.

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“Good luck fled from procrastination inboth these tales. Yet, this is not unusual. The spirit of procrastination is within all men. We desireriches; yet, how often when opportunity doth appear before us, that spirit of procrastination from withindoth urge various delays in our acceptance.

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“I do see good luck in a different light. I had thought of it as something most desirable thatmight happen to a man without effort upon his part. Now, I do realize such happenings are not the sortof thing one may attract to himself. From our discussion have I learned that to attract good luck tooneself, it is necessary to take advantage of opportunities. Therefore, in the future, I shall endeavor tomake the best of such opportunities as do come to me.”

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The truth is this: Good luck 32 can be enticed by accepting opportunity. “Those eager to grasp opportunities for their betterment, do attract the interest of the goodgoddess. She is ever anxious to aid those who please her. Men of action please her best. “Action will lead thee forward to the successes thou dost desire.” MEN OF ACTION ARE FAVORED BY THE GODDESS OF GOOD LUCK

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THE FIVE LAWS OF GOLD I. Gold cometh gladly and in increasing quantity to any man who will put by not less thanone-tenth of his earngs to create an estate for his future and that of his family. II. Gold laboreth diligently and contentedly for the wise owner who finds for it profitableemployment, multiplying even as the flocks of the field. III. Gold clingeth to the protection of the cautious owner who invests it under the advice ofmen wise in its handling. IV. Gold slippeth away from the man who invests it in businesses or purposes with whichhe is not familiar or which are not approved by those skilled in its keep. V. Gold flees the man who would force it to impossible earnings or who followeth thealluring advice of tricksters and schemers or who trusts it to his own inexperience and romanticdesires in investment.

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If you desire to help thyfriend, do so in a way that will not bring thy friend’s burdens upon thyself.”

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“From each person to whom I lend, I do exact a token for my token chest, to remain there untilthe loan is repaid. When they repay I give back, but if they never repay it will always remind me of onewho was not faithful to my confidence. “The safest loans, my token box tells me, are to those whose possessions are of more value thanthe one they desire. They own lands, or jewels, or camels, or other things which could be sold to repaythe loan. Some of the tokens given to me are jewels of more value than the loan. Others are promisesthat if the loan be not repaid as agreed they will deliver to me certain property settlement. On loans likethose I am assured that my gold will be returned with the rental thereon, for the loan is based onproperty.

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“Youth is ambitious. Youth would take shortcuts to wealth and the desirable things for which it stands. To secure wealth quickly youth oftenborrows unwisely. Youth, never having had experience, cannot realize that hopeless debt is like a deep pit intowhich one may descend quickly and where one may struggle vainly for many days. It is a pit of sorrowand regrets where the brightness of the sun is overcast and night is made unhappy by restless sleeping.Yet, I do not discourage borrowing gold. I encourage it. I recommend it if it be for a wise purpose.

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BETTER A LITTLE CAUTIONTHAN A GREAT REGRET

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In this day, behind the impregnable walls of insurance, savings accounts and dependableinvestments, we can guard ourselves against the unexpected tragedies that may enter any door and seatthemselves before any fireside. WE CANNOT AFFORD TO BEWITHOUT ADEQUATE PROTECTION

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He found his own soul when herealized a great truth, a truth that had been known and used by wise men long before his time. It has led men of all ages out of difficulties and into success and it will continue to do so forthose who have the wisdom to understand its magic power. It is for any man to use who reads theselines. WHERE THE DETERMINATION IS,THE WAY CAN BE FOUND

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