“As part of this general financial caution, we encourage, if necessary,
plastic surgery for both husband and wife. This is a very painless
operation and it may give you more self-esteem than a new nose job or a
tummy tuck. Just cut up your credit cards. Unless you are prepared to
use those cards under the strictest of conditions and restraints, you
should not use them at all – at least not at 18 percent or 21 percent or
24 percent interest. No convenience known to modern man has so
jeopardized the financial stability of a family -especially young
struggling families- like the ubiquitous credit card. “Don’t leave home
without it?” That’s precisely why he is leaving home.” Jeffrey R.
Holland,
Some Things We Have Learned Together, BYU Devotional Address, January 1985
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