If Ye Are Prepared Ye Shall Not Fear

Elder L. Tom Perry of the Quorum of the Twelve Apostles,  “If Ye Are Prepared Ye Shall Not Fear,” Ensign, Nov. 1995, 36 “Avoid excessive debt. Necessary debt should be incurred only after careful, thoughtful prayer and after obtaining the best possible advice. We need the discipline to stay well within our ability to pay. [...]

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