MOTIVATING TIPS

If you would know the value of money, go and try to borrow some.

Benjamin Franklin

Verified source: Poor Richard's Almanack, 1754
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Why This Matters

Franklin isn't merely saying that borrowing teaches humility—rather, he's observing that money reveals its true nature only through scarcity and obligation. When you borrow, you stop treating money as an abstraction and feel it as a weight, a promise you must keep, a constraint on your future freedom. A young person who takes out their first student loan often undergoes this precise awakening: suddenly the casual relationship with spending evaporates, and they grasp that money is really time and effort made portable. That shift from ignorance to reckoning is what Franklin meant by knowing its value.

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