
1) Do not trust Financial Advice from a man who identifies himself as John (middle name: Stewart) Fram.
a) Young Spender, wherever you are, if you are reading this, if you hear only one thing that I, Author, tell you, if you take to heart only one of these Five Points I have prepared for you so carefully (because you see that, don't you, Young Spender: You see that I have prepared them for you and for no one else), then let it be this: Do not trust a single word that comes from John Fram's mouth.

1) Steal as little Art as possible; try, always, to pay for it.