Direct benefit transfer is a big reform. Earlier who knew where MNREGA money was going? Now it is sent by DBT. So are gas subsidy payments and student scholarships. For me all these are reforms in governance, transparency.

Old men are always advising young men to save money. That is bad advice. Don't save every nickel. Invest in yourself. I never saved a dollar until I was forty years old.

In 1913 for reasons unknown to mankind, they established the income tax so that citizens, rather than foreign countries, would start paying the money necessary to run our government.

As quickly as you start spending federal money in large amounts, it looks like free money.

Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.

In many ways, from cutting budget, reducing expenses, keeping down, for example, in every field that I know, we have tried to be on the conservative, middle-of-the-road side. But that has not apparently been publicized sufficiently.