"Perhaps no counsel has been repeated more often than how to manage wisely our income.
Consumer debt in some nations of the world is at staggering levels. Too many in the Church
have failed to avoid unnecessary debt. They have little, if any, financial reserve.
The solution is to budget, to live within our means, and to save some for the future."
-President Thomas S. Monson,
Deseret News, Week ending June 11, 2011, p.16