I feel to warn you that one of the chief means of misleading our youth and destroying the family unit is our educational institutions. There is more than one reason why the Church is advising our youth to attend colleges close to their homes where institutes of religion are available. It gives the parents the opportunity to stay close to their children, and if they become alerted and informed, these parents can help expose the deceptions of men like Sigmund Freud, Charles Darwin, John Dewey, John Keynes and others. There are much worse things today that can happen to a child than not getting a full education. In fact, some of the worst things have happened to our children while attending colleges led by administrators who wink at subversion and amorality. Said Karl G. Maeser, "I would rather have my child exposed to smallpox, typhus fever, cholera or other malignant and deadly diseases than to the degrading influence of a corrupt teacher."

[A Budget] won't be perfect the first time you do it. It will start working much better after three or four months.

A budget is telling your money where to go instead of wondering where it went.

We are experiencing a serious economic downturn. You read of thousands of layoffs. This may be a difficult season for you. You worry much about your personal affairs. You worry about money. You worry about marriage. You worry about the future.

There may be some lean days ahead for some of you. There may be troubles. None of us can avoid them all. Do not despair. Do not give up. Look for the sunlight through the clouds. Opportunities will eventually open to you. I finished the University of Utah in 1932. It was the very bottom of the most serious depression of modern times. The unemployment rate in Utah was then more than 30 percent. There was much of cynicism. It was a time when men stood in soup lines, and some committed suicide in despair. But somehow we managed to eat and keep going. Opportunities gradually opened, first here and then there. In 1982, I spoke at the fiftieth anniversary of my graduating class. I met there men and women who had become prominent in many undertakings. They had begun almost in poverty. But they kept climbing upward. They had become leaders. They had looked for the positive in life, praying with faith and working with diligence.

Modern-day prophets have pled in plainness for us to avoid "get-rich-quick" schemes if we would avoid the heartaches of financial bondage. Perhaps we have not said enough about the fact that too many of us, in our moments of dreaming of grandeur, plant the seeds of economic disaster. Then at a later date when much is lost, we blame those who participated with us. It is difficult to be of good cheer when self-deceit is our companion. When we willingly expose ourselves to the winds and storms of fraud and scam, we should not be surprised when we come down with deficit disease. Over the years of listening to those who have suffered heavy money losses, I have heard many in desperation declare, "I was taken." Often my heart, mind, and the Spirit have prompted me to share, "Yes, you were taken by yourself." We all need to be encouraged to lift up our heads and see where our thoughts and undeclared priorities are taking us. Self-deceit permits us to blame others for our failures.

The darkest hour in any man's life is when he sits down to plan how to get money without earning it.

"The cares of the world" (D&C 40:12), said the Lord, have taken many away from the real path, the real work, for the cares of the world quickly become our sole concern. Brigham's favorite word for Satan's trick was "decoy"---the work ethic decoys us away from the work we should be doing. Mammon is a jealous god and will not tolerate a competitor. But we get the idea that the only virtues are business virtues.

"Money Can't Buy Happiness" by Jagad Guru Chris Butler - In reality, the glossy picture of the "happy rich person" that most people hold in their minds is simply an illusion. Money can buy sense gratification, but not actual happiness or satisfaction.

RUN A HOME LIKE A BUSINESS Make a budget and keep track of earnings, expenses and debts. And structure your business as a partnership; when it comes to making big financial decisions and setting goals, do it together. “When they are making the decisions together, they really have ownership of those decisions and any results of those decisions,” said Mary Ann Sisco, national wealth adviser at JPMorgan's private wealth management division. “Even if you have negative results, you tend to weather the storm better.”

There are two ways to reduce the connection between politicians and money. One is to reduce the role of money. The other is to reduce the role of politicians. I choose the latter. I contend that reducing the role of money of politics in order to make politics more honest is like trying to make airplanes safer by reducing the role of gravity. Let's get money out of politics by making politicians less powerful.