"What would you think of that prince, or of that government, who should issue an edict forbidding you to dress like a gentleman or gentlewoman, on pain of imprisonment or servitude? Would you not say that you are free, have a right to dress as you please, and that such an edict would be a breach of your privileges and such a government tyrannical? And yet you are about to put yourself under such tyranny, when you run in debt for such dress. Your creditor has authority, at his pleasure, to deprive you of your liberty by confining you in jail till you shall be able to pay him. When you have got your bargain, you may, perhaps, think little of payment; but, as Poor Richard says, Creditors have better memories than debtors; creditors are a superstitious sect, great observers of set days and times. The day comes round before you are aware, and the demand is made before you are prepared to satisfy it; or, if you bear your debt in mind, the term, which at first seemed so long, will, as it lessens, appear extremely short. Time will seem to have added wings to his heels as well as his shoulders. Those have a short Lent who owe money to be paid at Easter. At present, perhaps, you may think yourselves in thriving circumstances, and that you can bear a little extravagance without injury; but For age and want save while you may; No morning sun lasts a whole day. Gain may be temporary and uncertain, but ever, while you live, expense is constant and certain; and, It is easier to build two chimneys than to keep one in fuel, as Poor Richard says; so, Rather go to bed supperless than rise in debt. Get what you can, and what you get, hold, 'Tis the stone that will turn all your lead into gold. And when you have got the philosopher's stone, be sure you will no longer complain of bad times or the difficulty of paying taxes. IV. "This doctrine, my friends, is reason and wisdom; but, after all, do not depend too much upon your own industry and frugality and prudence, though excellent things; for they may all be blasted, without the blessing of Heaven; and, therefore, ask that blessing humbly, and be not uncharitable to those that at present seem to want it, but comfort and help them. Remember Job suffered, and was afterward prosperous. "And now, to conclude, Experience keeps a dear school, but fools will learn in no other, as Poor Richard says, and scarce in that; for, it is true, we may give advice, but we cannot give conduct. However, remember this: They that will not be counseled cannot be helped; and further that, If you will not hear Reason, she will surely rap your knuckles, as Poor Richard says."