"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 were 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 your self 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_. "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 counselled cannot be helped_; and farther, that, _If you will not hear Reason, she will surely rap your knuckles_, as Poor Richard says."