Ladies and gentlemen:

Welcome future millionaires!

I'm here to talk about money.

We all need money.

We all want to be rich.

We all want to make a fortune.

Money doesn't grow on trees.

Money doesn't come easily.

Let me tell you how to save money.

First,you must be frugal¹.

You should be careful with your money.

You should be a conservative² spender.

Live within your means.

Live within your budget.

Never spend more than you make.

Look before you leap.

Manage money wisely.

Don't let money burn a hole in your pocket.

Second,don't be a borrower.

Pay off your bills.

Pay off what you owe.

Out of debt,out of danger.

Debt is like a bottomless pit³.

Once in it,you fall deeper and deeper.

Be debt free.

Never borrow from others.

Keep away from debt.

Tird,don't be a lender.

Never lend money to others.

Lend your money and lose your friend.

Lend only in case of emergency.

Len only if the need is reasonable.

If your friend asks for one hundred,lend him twenty.

No borrowing.

No lending.

Penny and penny laid up will be many.

Fourth,buy things with cash.

Avoid using credit⁴ cards.

Avoid those interest pauments.

Never spend your money before you have it.

Never buy things you cannot afford.

Try to do without credit cards.

Buy only what you need.

Don't buy what you want.

Know the difference to save money.

The above is my advice.

From saving⁵ comes having.

Neither a borrower nor a lender be.

Follow these rules.

The sky is limit.

Your millions are waiting for you.

Thanks for listening.

Have a great day!

Now,start saving for financial success.