Phineas Taylor Barnum 
The Art of Money Getting or Golden Rules for making Money [EPUB ebook] 

‘Those who really desire to attain an independence, have only to set their minds upon it, and adopt the proper means, as they do in regard to any other object which they wish to accomplish, and the thing is easily done. But however easy it may be found to make money, I have no doubt many of my hearers will agree it is the most difficult thing in the world to keep it. The road to wealth is, as Dr. Franklin truly says, ‘as plain as the road to the mill.’ It consists simply in expending less than we earn; that seems to be a very simple problem.’ PT Barnum