Samuel Smiles：Thrift, Excerpt 31

It is the savings of the world that have made the civilization of the world. Savings are the result of labour; and it is only when labourers begin to save, that the results of civilization accumulate. We have said that thrift began with civilization: we might almost have said that thrift produced civilization. Thrift produces capital; and capital is the conserved result of labour. The capitalist is merely a man who does not spend all that is earned by work.

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 31 · Verified：2026-10-19 · Verification：Short excerpt

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