Charles M. Schwab

I'm making better than two million a year, but it's hard work. The luxuries and pleasures I enjoy in my spare time keep me in condition to do that work. Carnegie and Frick have more money than I have, but I'm getting more value for my dollars than they are.

To my mind, the best investment a young man starting out in business can possibly make is to give all his time, all his energies, to work - just plain, hard work.

I mention the need of cooperation and confidence among the men who work, no matter what may be their relative ranks, because it is the vital factor underlying everything. Only as we are willing to work today, work as we never have worked before, will civilization survive.

When I first went to work... I had over me an impetuous, hustling man. It was necessary for me to be up to the top notch to give satisfaction. I worked faster than I otherwise would have done, and to him I attribute the impetus that I acquired.

Fundamentally, the basis of all modern progress is the efficiency of labor. And the only sure road to restored prosperity is through the thrift and hard work of our people as a whole.