I can't minimize the terror factor. As you get older you get more and more frightened because the terrible indignities of old age become closer to you.
You can't break poor people mentality. Once you grow up poor, you don't take anything for granted. It can have the negative side also because you can never truly be relaxed.
The man with the average mentality, but with control, with a definite goal, and a clear conception of how it can be gained, and above all, with the power of application and labor, wins in the end.