Where there is widespread poverty among our people, we must do all we can to help them to lift themselves, to establish their lives upon a foundation of self-reliance that can come of training. Education is the key to opportunity. This training must be done in the areas where they live. It will then be suited to the opportunities of those areas. And it will cost much less in such places than it would if it were done in the United States or Canada or Europe.

Now, this is not an idle dream. We have the resources through the goodness and kindness of wonderful and generous friends. We have the organization. We have the manpower and dedicated servants of the Lord to make it succeed. It is an all-volunteer effort that will cost the Church practically nothing. We pray humbly and gratefully that God will prosper this effort and that it will bring blessings, rich and wonderful, upon the heads of thousands just as its predecessor organization, the Perpetual Emigration Fund, brought untold blessings upon the lives of those who partook of its opportunities....

It is our solemn obligation, it is our certain responsibility, my brethren, to "succor the weak, lift up the hands which hang down, and strengthen the feeble knees" (D&C 81:5). We must help them to become self-reliant and successful.

We had to pay our own schoolteachers, raise our own bread and earn our own clothing, or go without; there was no other choice. We did it then, and we are able to do the same to-day. I want to enlist the sympathies of the ladies among the Latter-day Saints, to see what we can do for ourselves with regard to schooling our children. Do not say you cannot school them, for you can... I understand that the other night there was a school meeting in one of the wards of this city, and a part there--a poor miserable apostate--said, "We want a free school, and we want to have the name of establishing the first free school in Utah." To call a person a poor miserable apostate may seem like a harsh word; but what shall we call a man who talks about free schools and who would have all the people taxed to support them, and yet would take his rifle and threaten to shoot the man who had the collection of the ordinary light taxes levied in this Territory--taxes which are lighter than any levied in any other portion of the country?

I am opposed to free education as much as I am opposed to taking property from one man and giving it to another who knows not how to take care of it... I do not believe in allowing my charities to go through the hands of robbers who pocket nine-tenths themselves and give one tenth to the poor... Would I encourage free schools by taxation? No!

The irony of this is that, although we may make a difference in the lives of those we help, we who give charitable service are often the ones who benefit the most. When we sacrifice our time, talents, and resources for the sake of others, we refine our character and thereby become more fit for the kingdom. The Savior said the poor would always be with us (see John 12:8). And it is a good thing too because we cannot become exalted without them. We need the poor as much as the poor need us.

You say: "There are persons who have no money," and you turn to the law. But the law is not a breast that fills itself with milk. Nor are the lacteal veins of the law supplied with milk from a source outside the society. Nothing can enter the public treasury for the benefit of one citizen or one class unless other citizens and other classes have been forced to send it in. If every person draws from the treasury the amount that he has put in it, it is true that the law then plunders nobody. But this procedure does nothing for the persons who have no money. It does not promote equality of income. The law can be an instrument of equalization only as it takes from some persons and gives to other persons. When the law does this, it is an instrument of plunder.

For I mean not that other men be eased, and ye burdened:
But by an equality, that now at this time your abundance may be a supply for their want, that their abundance also may be a supply for your want: that there may be equality:

Poverty is a noose that strangles humility and breeds disrespect for God and man.

I do not worry about the Saints in poverty, but when the Lord sees fit to open the great oil reserves in Utah, I tremble for them.

The gospel plan is based on individual responsibility. Our article of faith states the eternal truth "that men will be punished for their own sins, and not for Adam’s transgression" (A of F 1:2). This requirement of individual responsibility, which has many expressions in our doctrine, is in sharp contrast to Satan’s plan to "redeem all mankind, that one soul shall not be lost ." (Moses 4:1). The plan of the Father and the Savior is based on individual choice and individual effort....

The doctrine and practice of personal responsibility and personal effort collide with individual traditions and local cultures in many lands. We live in a world where there are large differences in income and material possessions and where there are many public and private efforts to narrow these differences. The followers of the Savior are commanded to give to the poor, and many do. But some gifts have promoted a culture of dependency, reducing their recipients’ need for earthly food or shelter but impoverishing them in their eternal need for individual growth. The growth required by the gospel plan only occurs in a culture of individual effort and responsibility. It cannot occur in a culture of dependency. Whatever causes us to be dependent on someone else for decisions or resources we could provide for ourselves weakens us spiritually and retards our growth toward what the gospel plan intends us to be.

The gospel raises people out of poverty and dependency, but only when gospel culture, including the faithful payment of tithing even by the very poor, prevails over the traditions and cultures of dependency. That is the lesson to be learned from the children of Israel, who came out of hundreds of years of slavery in Egypt and followed a prophet into their own land and became a mighty people. That lesson can also be learned from the Mormon pioneers, who never used their persecutions or poverty as an excuse but went forward in faith, knowing that God would bless them when they kept His commandments, which He did.

I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around [the banks] will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.