“A penny saved is of more value than a penny paid out (Der Sparpfennig ist reicher denn der Zinspfenning).”

— Martin Luther

What Luther Says, Section on “Life, Human,” No. 2438. Rules for a Thrifty Life. 2, p. 784 http://books.google.com/books?lr=&id=NQA5AAAAIAAJ&dq=luther+%22penny+saved+is+better+than+a+penny+earned%22&q=+%22penny+%22#search_anchorvol|.

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Martin Luther 214

seminal figure in Protestant Reformation 1483–1546

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