Many persons think that by hoarding money they are gaining...

Many persons think that by hoarding money they are gaining safety for themselves. If money is your only hope for independence, you will never have it. The only real security that a man can have in this world is a reserve of knowledge, experience, and ability. Without these qualities, money is practically useless. The security even of money depends on knowledge, experience, and ability. If productive ideas are displaced by destructive ideas, economic life suffers.