HOW TO KICK THE WORRY

this right away and says, “Now that’s true, if you saved up your
dimes and could buy two bottles of soap instead of one, you save
yourself a trip.” That’s right. Now, not only do you save yourself a
trip, some people will sell you two bottles cheaper than one. You
buy one bottle for two dollars, and they’ll sell you two bottles for
$3.80. And the kid says, “How clever, then when you sell it, you
make more money.” That’s right. That’s why you have to
accumulate your capital, because everybody benefits from it. They
get to sell two bottles instead of one at a time, so it’s better for
them. And it’s better for you, and it’s better for everybody. Now
you’re starting to teach commerce, capitalism, how to earn money,
how to be responsible, and mainly what to do with it.
Another ten cents is to give. Charity. I really should have put
that first, right after Caesar. Jesus said, “Pay Caesar first, then pay
God.” Charity. Some churches teach ten percent and that’s good.
Give it to the church and let them distribute it, or distribute it
yourself, but make sure you put back part of what you take out.
Charity. Some people are less fortunate. Some people live tragic
lives and they need our help, so set aside ten percent to help those
that are unfortunate and cannot help themselves. Ten percent for
giving. And a good time to learn this ten- percent for giving is when
you’re little, because it’s pretty easy to flip a dime out of a dollar.
But it’s a little more difficult to give a hundred thousand out of a
million. Somebody says, “Oh, if I had a million, I’d give a hundred
thousand.” But I’m not that sure. That’s a lot of money. We’d
better learn it now, just in case we get the big stuff and won’t turn
loose of it. Develop the habit now of the ten cents. Kids should
learn with the first dollar that they get how to divide it up. Because
if you let a kid, when he gets his first dollar spend it all, you’ve
already started him on the wrong habit pattern. Now, what if they
do that the rest of their life? They will be in serious trouble. So you
have to teach them what to do with the first dollar. Or as quickly
as possible correct what might be wrong.
So ten cents for charity, ten cents for increase of capital, and
ten more cents is for investing. The Richest Man in Babylon says to
use ten cents to pay off all your bills, which is good. Now you can
start using it for investing. But pay off all your bills first, all the
little accumulation of credit cards and all that stuff. There is a
Bible phrase that says, ‘the borrower is servant to the lender.’ And