You have to not listen to the nay sayers because there will be many and often they'll be much more qualified than you and cause you to sort of doubt yourself. ↗
Money is time. With money I buy for cheerful use the hours which otherwise would not in any sense be mine; nay, which would make me their miserable bondsman. ↗
You cannot spend money in luxury without doing good to the poor. Nay, you do more good to them by spending it in luxury, than by giving it; for by spending it in luxury, you make them exert industry, whereas by giving it, you keep them idle. ↗