Any customer can have a car painted any colour that he wants so long as it is black.

We are not against borrowing money and we are not against bankers. We are against trying to make borrowed money take the place of work. We are against the kind of banker who regards a business as a melon to be cut. The thing is to keep money and borrowing and finance generally in their proper place, and in order to do that one has to consider exactly for what the money is needed and how it is going to be paid off.

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There's just one thing that's permanent in this world, and that's change. And when a man gets too old to change, why, then, he dies. And after that, who knows? Do we go on somewhere else? We'd all like to think so; it seems sometimes as though something inside us was telling us that we do. But if we do live on, then one thing is sure: The fellows who are afraid all the time that they may lose what they've got will lose out over there just the way they lose out here. And the big prizes will keep right on going to the fellows who do their duty and have faith. That's all there is to happiness, according to my way of thinking—just doing your duty and having faith.

Through all the years that I have been in business I have never yet found our business bad as a result of any outside force. It has always been due to some defect in our own company, and whenever we located and repaired that defect our business became good again - regardless of what anyone else might be doing. And it will always be found that this country has nationally bad business when business men are drifting, and that business is good when men take hold of their own affairs, put leadership into them, and push forward in spite of obstacles. Only disaster can result when the fundamental principles of business are disregarded and what looks like the easiest way is taken. These fundamentals, as I see them, are:

Being greedy for money is the surest way not to get it, but when one serves for the sake of service — for the satisfaction of doing that which one believes to be right — then money abundantly takes care of itself.

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None of our men are 'experts.' We have most unfortunately found it necessary to get rid of a man as soon as he thinks himself an expert because no one ever considers himself expert if he really knows his job. A man who knows a job sees so much more to be done than he has done, that he is always pressing forward and never gives up an instant of thought to how good and how efficient he is. Thinking always ahead, thinking always of trying to do more, brings a state of mind in which nothing is impossible. The moment one gets into the 'expert' state of mind a great number of things become impossible.

Failure is simply the opportunity to begin again, this time more intelligently.

My objection to bankers has nothing to do with personalities. I am not against bankers as such. We stand very much in need of thoughtful men, skilled in finance. The world cannot go on without banking facilities. We have to have money. We have to have credit. Otherwise the fruits of production could not be exchanged. We have to have capital. Without it there could be no production. But whether we have based our banking and our credit on the right foundation is quite another matter.

everything comes to him who hustles while he waits.

It is not the employer who pays the wages. Employers only handle the money. It is the customer who pays the wages.

If you always do what you’ve always done, you’ll always get what you’ve always got.