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Benjamin Franklin was advising that being industrious and frugal is the key to success. He is saying that if you waste your time and money, you will not accomplish anything. However, if you make the best use of both your time and money through hard work and savings, then you can achieve everything.
Franklin believed that industry, or hard work, and frugality, or not wasting resources, were necessary to obtain wealth and prosperity. His quote encourages people to be productive with their time and careful with their spending in order to get the most out of life.