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"Give a boy twenty thousand dollars and put him in business, and the chances are that he will lose every dollar of it before he is a year older. Like buying a ticket in the lottery; and drawing a prize, it is "easy come, easy go." He does not know the value of it; nothing is worth anything, unless it costs effort. Without self-denial and economy; patience and perseverance, and commencing with capital which you have not earned, you are not sure to succeed in accumulating."
Phineas Taylor Barnum (5 July 1810 – 7 April 1891) was an American showman who is remembered for founding the circus that eventually became Ringling Bros. and Barnum & Bailey Circus. He is also known for his entertaining hoaxes.
Biography information from Wikiquote
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"No profession, trade, or calling, is overcrowded in the upper story. Wherever you find the most honest and intelligent merchant or banker, or the best lawyer, the best doctor, the best clergyman, the best shoemaker, carpenter, or anything else, that man is most sought for, and has always enough to do. As a nation, Americans are too superficial — they are striving to get rich quickly, and do not generally do their business as substantially and thoroughly as they should, but whoever excels all others in his own line, if his habits are good and his integrity undoubted, cannot fail to secure abundant patronage and the wealth that naturally follows. Let your motto then always be "Excelsior," for by living up to it there is no such word as fail"