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Quote by Stephen L. Richards

“[Debt] It has driven thousands to drink, and the worry and anxiety it has created have literally taken the lives of many of our ablest men. It has prostrated individuals, enterprises and nations.”

Quote by Stephen L. Richards

Author

Stephen L. Richards
Stephen L. Richards

Stephen L. Richards was an individual who left his mark in history, but his life and achievements require further research. more

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“Perhaps our greatest concern is with families. The family is falling apart all over the world. The old ties that bound together father and mother and children are breaking everywhere. We must face this in our own midst. There are too many broken homes among our own. The love that led to marriage somehow evaporates, and hatred fills its place. Hearts are broken, children weep.”

“How important are money management and finances in marriage and family affairs? Tremendously. The American Bar Association recently indicated that 89 percent of all divorces could be traced to quarrels and accusations over money. Another study estimated that 75 percent of all divorces result from clashes over finances. Some professional counselors indicated that four out of every five families wrestle with serious money problems.”

“Debt never sleeps nor sickens nor dies; it never goes to the hospital; it works on Sundays and holidays; it never takes a vacation...it is never laid off work...it buys no food; it wears no clothes; it is unhoused... it has neither weddings nor births nor deaths; it has no love, no sympathy; it is as hard and soulless as a granite cliff. Once in debt, it is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it...and whenever you get in its way or cross its course or fail to meet its demands, it crushes you.”