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In this quote, Benjamin Franklin is advising that being industrious (hardworking) and frugal (careful with money) are key to becoming rich. Franklin believed that wealth is not simply obtained but is rather the result of diligent effort and prudent financial habits over time.
His message suggests that if one dedicates themselves to working productively and living within or below their means by avoiding waste and excess spending, they will accumulate riches as a natural consequence.