Let us set an example; let us live within our means; let us be lenders instead of borrowers; let us not place our homes or the lands that produce our living under mortgages, in order that we may ride in fine conveyances or keep up with the pace set by our neighbors who may be able to afford it. Let us be more concerned about the adornment of our minds that are eternal, rather than adornment of our persons with things that are of no lasting benefit. Let us keep the commandments of God; let us live humble, and sweet, and pure. Let us not he lifted up in the pride of our hearts if we have been more successful than our neighbor financially, but, mindful of the blessings of health and strength, and the gift of home and loved ones, appreciating the knowledge of the Gospel of Jesus Christ that is the power of God unto salvation, unto all those that believe and obey it; let us evidence by loving kindness to every child of our Heavenly Father that we are grateful. – George Albert Smith, Conference Report, April 1915, Second Day—Morning Session, p.98