REFERENCES:

But most important, I don’t run up bills if I don’t have the cash in sight to pay them. 

– L. Ron Hubbard, HCO PL 2 June 59 – A Comment on Finance
OEC Volume 3 – Page

Make it before you have to spend it.

– L. Ron Hubbard, HCO PL 28 Jan 65 – How to Maintain Credit Standing and Solvency
Management Series Volume 3 – Page 403

Never borrow any money from a bank. Make it.

– L. Ron Hubbard, Creating Time and Space – Responsibility, Code of Honor – Part 1
6 November 1952 Tape #: 5211C06B