To acquire wealth is difficult, to preserve it more difficult, but to spend it wisely most difficult of all.
The truly sobering part of this observation lies in its final turn: most of us assume the hard part ends once we've secured our fortune, yet Day suggests the real test arrives only then. Making money demands hustle and sacrifice; keeping it requires discipline and restraint; but *choosing* how to use it demands wisdom—a quality far rarer than either ambition or caution. Consider the lottery winner who meticulously avoids squandering their windfall on foolish purchases, only to discover years later that their careful preservation served no meaningful purpose. Day reminds us that mere prudence is not enough; wealth asks us what we actually believe is worth having.