---
title: "184 Wallets Quotes by 162 authors"
description: "Browse 184 Wallets quotes by 162 authors. Discover the best Wallets sayings and thoughts."
image: "https://sms4smile.com/quotes/i/06b/allison-pearson-10663_childcare_men-worry-about-childcare-with-their-wal_2578259.png"
---

> [Men worry about childcare with their wallets, women feel it in their wombs.](https://sms4smile.com/quotes/allison-pearson/men-worry-about-childcare-with-their-wallets-women-feel-it-in-their/)

[Allison Pearson](https://sms4smile.com/quotes/author/allison-pearson/)

[Image](https://sms4smile.com/quotes/i/06b/allison-pearson-10663_childcare_men-worry-about-childcare-with-their-wal_2578259.png)

> [“You know the police love to steal out of peoples wallets!”](https://sms4smile.com/quotes/steven-magee/you-know-the-police-love-to-steal-out-of-peoples-wallets/)

[Steven Magee](https://sms4smile.com/quotes/author/steven-magee/)

[Image](https://sms4smile.com/quotes/i/7a3/steven-magee-129_enforcement_you-know-the-police-love-to-steal-out-of_2972682.jpg)

> [When Congress talks of tax reform, grab your wallet and run for cover.](https://sms4smile.com/quotes/steve-symms/when-congress-talks-of-tax-reform-grab-your-wallet-and-run-for-cover/)

[Steve Symms](https://sms4smile.com/quotes/author/steve-symms/)

[Image](https://sms4smile.com/quotes/i/710/steve-symms-79658_congress_when-congress-talks-of-tax-reform-grab-y_1636092.jpg)

> [“Wallets wither, passports expire, but a character of light keeps shining.”](https://sms4smile.com/quotes/abhijit-naskar/wallets-wither-passports-expire-but-a-character-of-light-keeps-shining/)

[Abhijit Naskar](https://sms4smile.com/quotes/author/abhijit-naskar/)

[Image](https://sms4smile.com/quotes/i/8b4/abhijit-naskar-99_beautiful-heart_wallets-wither-passports-expire-but-a-ch_2719359.jpg)

> [When Mitt Romney says he wants to reform the tax code, hold on to your wallets.](https://sms4smile.com/quotes/charles-schumer/when-mitt-romney-says-he-wants-to-reform-the-tax-code-hold-on-to-your/)

[Charles Schumer](https://sms4smile.com/quotes/author/charles-schumer/)

[Image](https://sms4smile.com/quotes/i/8b8/charles-schumer-10224_cayman-islands_when-mitt-romney-says-he-wants-to-reform_284639.jpg)

> [Ive always loved when girls carry their wallets as a clutch instead of a bag.](https://sms4smile.com/quotes/alexander-wang/ive-always-loved-when-girls-carry-their-wallets-as-a-clutch-instead/)

[Alexander Wang](https://sms4smile.com/quotes/author/alexander-wang/)

[Image](https://sms4smile.com/quotes/i/f47/alexander-wang-12511_bags_ive-always-loved-when-girls-carry-their_2265734.png)

> [I don't carry a wallet. I keep my cards in my pocket and cash in my boots.](https://sms4smile.com/quotes/jackson-rathbone/i-don-t-carry-a-wallet-i-keep-my-cards-in-my-pocket-and-cash-in-my/)

[Jackson Rathbone](https://sms4smile.com/quotes/author/jackson-rathbone/)

[Image](https://sms4smile.com/quotes/i/f0c/jackson-rathbone-25920_boots_i-don-t-carry-a-wallet-i-keep-my-cards-i_2580567.jpg)

> [I don't want to be a thief of my own wallet.](https://sms4smile.com/quotes/anonymous/i-don-t-want-to-be-a-thief-of-my-own-wallet/)

[Anonymous](https://sms4smile.com/quotes/author/anonymous/)

[Image](https://sms4smile.com/quotes/i/7f3/anonymous-1_money_i-don-t-want-to-be-a-thief-of-my-own-wal_2466192.jpg)

> [Riding a bicycle is about getting back to basics. It's good for the waistline and it's good for the wallet, is what…](https://sms4smile.com/quotes/phil-keoghan/riding-a-bicycle-is-about-getting-back-to-basics-it-s-good-for-the/)

[Phil Keoghan](https://sms4smile.com/quotes/author/phil-keoghan/)

[Image](https://sms4smile.com/quotes/i/039/phil-keoghan-15799_basics_riding-a-bicycle-is-about-getting-back-t_2664613.png)

> [Lie down and offer your throat. No, wait, that's how dogs submit. I know! Offer her you're wallet!" Oberon](https://sms4smile.com/quotes/kevin-hearne/lie-down-and-offer-your-throat-no-wait-that-s-how-dogs-submit-i-know/)

[Kevin Hearne](https://sms4smile.com/quotes/author/kevin-hearne/)

[Image](https://sms4smile.com/quotes/i/611/kevin-hearne-991_dog_lie-down-and-offer-your-throat-no-wait-t_2020204.jpg)

> [ When you first open Niall \[Horan\]'s wallet, the first thing you see is a picture of Justin Bieber and a picture of… ](https://sms4smile.com/quotes/liam-payne/when-you-first-open-niall-horan-s-wallet-the-first-thing-you-see-is-a/)

[Liam Payne](https://sms4smile.com/quotes/author/liam-payne/)

[Image](https://sms4smile.com/quotes/i/c59/liam-payne-10683_firsts_when-you-first-open-niall-horan-s-wallet_2054977.jpg)

> [If you ever meet anyone who tells you his or her religion can offer all the answers, run for the hills. Or…](https://sms4smile.com/quotes/anonymous/if-you-ever-meet-anyone-who-tells-you-his-or-her-religion-can-offer/)

[Anonymous](https://sms4smile.com/quotes/author/anonymous/)

[Image](https://sms4smile.com/quotes/i/028/anonymous-1_answers_if-you-ever-meet-anyone-who-tells-you-hi_1126433.jpg)

> [A chest of gold coins or a fat wallet of bills is of no use whatsoever to a wrecked sailor alone on…](https://sms4smile.com/quotes/alan-watts/a-chest-of-gold-coins-or-a-fat-wallet-of-bills-is-of-no-use/)

[Alan Watts](https://sms4smile.com/quotes/author/alan-watts/)

[Image](https://sms4smile.com/quotes/i/e79/alan-watts-587_bills_a-chest-of-gold-coins-or-a-fat-wallet-of_579142.jpg)

> [Take the money in your wallet and invest it in your mind. And in return, your mind will fill up your wallet!](https://sms4smile.com/quotes/benjamin-franklin/take-the-money-in-your-wallet-and-invest-it-in-your-mind-and-in/)

[Benjamin Franklin](https://sms4smile.com/quotes/author/benjamin-franklin/)

[Image](https://sms4smile.com/quotes/i/944/benjamin-franklin-65_habit_take-the-money-in-your-wallet-and-invest_2253660.png)

> [You lose a wallet or keys or something and you notice in a second, but your life can go missing and you…](https://sms4smile.com/quotes/john-dufresne/you-lose-a-wallet-or-keys-or-something-and-you-notice-in-a-second-but/)

[John Dufresne](https://sms4smile.com/quotes/author/john-dufresne/)

[Image](https://sms4smile.com/quotes/i/68d/john-dufresne-11991_keys_you-lose-a-wallet-or-keys-or-something-a_120661.png)

> [Be careful out there. There are things that go bump in the night. Actually, there are things that go 'Give me your…](https://sms4smile.com/quotes/john-larroquette/be-careful-out-there-there-are-things-that-go-bump-in-the-night/)

[John Larroquette](https://sms4smile.com/quotes/author/john-larroquette/)

[Image](https://sms4smile.com/quotes/i/bad/john-larroquette-19366_be-careful_be-careful-out-there-there-are-things-th_842527.png)

> [Never have your wallet with you onstage. It's bad luck. You shouldn't play the piano with money in your pocket. Play like…](https://sms4smile.com/quotes/tom-waits/never-have-your-wallet-with-you-onstage-it-s-bad-luck-you-shouldn-t/)

[Tom Waits](https://sms4smile.com/quotes/author/tom-waits/)

[Image](https://sms4smile.com/quotes/i/811/tom-waits-916_bad-luck_never-have-your-wallet-with-you-onstage_1116024.jpg)

> [Anything can happen anytime in markets. And no advisor, economist, or TV commentator-and definitely not Charlie nor I-can tell you when chaos…](https://sms4smile.com/quotes/warren-buffett/anything-can-happen-anytime-in-markets-and-no-advisor-economist-or-tv/)

[Warren Buffett](https://sms4smile.com/quotes/author/warren-buffett/)

[Image](https://sms4smile.com/quotes/i/248/warren-buffett-183_advisors_anything-can-happen-anytime-in-markets-a_732171.png)

> [How'd you get in here?" She raised her eyebrows. “You pick pockets.” Kat watched his hand fly to his back pocket. “I…](https://sms4smile.com/quotes/ally-carter/how-d-you-get-in-here-she-raised-her-eyebrows-you-pick-pockets-kat/)

[Ally Carter](https://sms4smile.com/quotes/author/ally-carter/)

[Image](https://sms4smile.com/quotes/i/90c/ally-carter-530_eyebrows_how-d-you-get-in-here-she-raised-her-eye_445514.png)

> [I want young people to be able to buy into what I design. When I was young, I wanted to buy designer…](https://sms4smile.com/quotes/nicola-formichetti/i-want-young-people-to-be-able-to-buy-into-what-i-design-when-i-was/)

[Nicola Formichetti](https://sms4smile.com/quotes/author/nicola-formichetti/)

[Image](https://sms4smile.com/quotes/i/ffc/nicola-formichetti-18084_able_i-want-young-people-to-be-able-to-buy-in_2778391.png)

> [We need to get past the point where being black and a male means that I am likely to mug you for…](https://sms4smile.com/quotes/john-amaechi/we-need-to-get-past-the-point-where-being-black-and-a-male-means-that/)

[John Amaechi](https://sms4smile.com/quotes/author/john-amaechi/)

[Image](https://sms4smile.com/quotes/i/6d4/john-amaechi-21119_arses_we-need-to-get-past-the-point-where-bein_969743.jpg)

> [The lost wallet or purse law: No matter how careful you are, assume that you will lose a few. ... Keep grief…](https://sms4smile.com/quotes/jennifer-james/the-lost-wallet-or-purse-law-no-matter-how-careful-you-are-assume/)

[Jennifer James](https://sms4smile.com/quotes/author/jennifer-james/)

[Image](https://sms4smile.com/quotes/i/b2a/jennifer-james-15931_assuming_the-lost-wallet-or-purse-law-no-matter-h_2486430.png)

> [Capitalism does what it does and money doesn't belong to anybody. It just stays in someone's wallet for a while, then it…](https://sms4smile.com/quotes/henry-rollins/capitalism-does-what-it-does-and-money-doesn-t-belong-to-anybody-it/)

[Henry Rollins](https://sms4smile.com/quotes/author/henry-rollins/)

[Image](https://sms4smile.com/quotes/i/380/henry-rollins-170_capitalism_capitalism-does-what-it-does-and-money-d_2761821.png)

> [My father was a guy who, because of the businesses he was in - the hotel business, the hospitality business - he…](https://sms4smile.com/quotes/steve-tisch/my-father-was-a-guy-who-because-of-the-businesses-he-was-in-the-hotel/)

[Steve Tisch](https://sms4smile.com/quotes/author/steve-tisch/)

[Image](https://sms4smile.com/quotes/i/f8e/steve-tisch-37709_because_my-father-was-a-guy-who-because-of-the-b_3081184.jpg)

> [In about one-third of credit card consolidations, within a short period of time, the cards come back out of the wallet, and…](https://sms4smile.com/quotes/jean-chatzky/in-about-one-third-of-credit-card-consolidations-within-a-short/)

[Jean Chatzky](https://sms4smile.com/quotes/author/jean-chatzky/)

[Image](https://sms4smile.com/quotes/i/4f6/jean-chatzky-15313_cards_in-about-one-third-of-credit-card-consol_1543093.jpg)

> [On occasion I have observed parents shopping to clothe a son about to enter missionary service. The new suits are fitted, the…](https://sms4smile.com/quotes/thomas-s-monson/on-occasion-i-have-observed-parents-shopping-to-clothe-a-son-about-to/)

[Thomas S. Monson](https://sms4smile.com/quotes/author/thomas-s-monson/)

[Image](https://sms4smile.com/quotes/i/fde/thomas-s-monson-409_brother_on-occasion-i-have-observed-parents-shop_2442535.png)

> [Remodeling defies the principles of modern commerce. You shell out great sums of money to people over whom you have no authority…](https://sms4smile.com/quotes/margo-kaufman/remodeling-defies-the-principles-of-modern-commerce-you-shell-out/)

[Margo Kaufman](https://sms4smile.com/quotes/author/margo-kaufman/)

[Image](https://sms4smile.com/quotes/i/557/margo-kaufman-20481_alligators_remodeling-defies-the-principles-of-mode_762876.jpg)

> [How does it feel? I feels exactly like one of those dreams in which you suddenly realize that you have to take…](https://sms4smile.com/quotes/audrey-niffenegger/how-does-it-feel-i-feels-exactly-like-one-of-those-dreams-in-which/)

[Audrey Niffenegger](https://sms4smile.com/quotes/author/audrey-niffenegger/)

[Image](https://sms4smile.com/quotes/i/92e/audrey-niffenegger-1298_animal_how-does-it-feel-i-feels-exactly-like-on_1099350.jpg)

> [Historically, the claim of consensus has been the first refuge of scoundrels; it is a way to avoid debate by claiming that…](https://sms4smile.com/quotes/michael-crichton/historically-the-claim-of-consensus-has-been-the-first-refuge-of-2/)

[Michael Crichton](https://sms4smile.com/quotes/author/michael-crichton/)

[Image](https://sms4smile.com/quotes/i/b03/michael-crichton-694_agree_historically-the-claim-of-consensus-has_1380471.jpg)

> [Economics, as it is often taught today, portrays us as homo economicus-someone who doesn't vote in presidential elections, doesn't return lost wallets,…](https://sms4smile.com/quotes/robert-h-frank/economics-as-it-is-often-taught-today-portrays-us-as-homo-economicus/)

[Robert H. Frank](https://sms4smile.com/quotes/author/robert-h-frank/)

[Image](https://sms4smile.com/quotes/i/896/robert-h-frank-16805_dining_economics-as-it-is-often-taught-today-po_2803111.jpg)

> [If I walk on the street, if I go to a restaurant, people come to me and say: "Can we take a…](https://sms4smile.com/quotes/ai-weiwei/if-i-walk-on-the-street-if-i-go-to-a-restaurant-people-come-to-me-and/)

[Ai Weiwei](https://sms4smile.com/quotes/author/ai-weiwei/)

[Image](https://sms4smile.com/quotes/i/5b7/ai-weiwei-824_armani_if-i-walk-on-the-street-if-i-go-to-a-res_3076711.jpg)

> [My youngest brother had a wonderful schtick from some time in high school, through to graduating medicine. He had a card in…](https://sms4smile.com/quotes/guy-gavriel-kay/my-youngest-brother-had-a-wonderful-schtick-from-some-time-in-high/)

[Guy Gavriel Kay](https://sms4smile.com/quotes/author/guy-gavriel-kay/)

[Image](https://sms4smile.com/quotes/i/50a/guy-gavriel-kay-2769_amnesia_my-youngest-brother-had-a-wonderful-scht_1763491.jpg)

> [Dont treat your customers like a bunch of purses and wallets.](https://sms4smile.com/quotes/chris-brogan/dont-treat-your-customers-like-a-bunch-of-purses-and-wallets/)

[Chris Brogan](https://sms4smile.com/quotes/author/chris-brogan/)

[Image](https://sms4smile.com/quotes/i/cc6/chris-brogan-10813_purses_dont-treat-your-customers-like-a-bunch-o_1333637.png)

> [That's what wrong. We've got people whose wallets have not been baptized.](https://sms4smile.com/quotes/johnny-hunt/that-s-what-wrong-we-ve-got-people-whose-wallets-have-not-been/)

[Johnny Hunt](https://sms4smile.com/quotes/author/johnny-hunt/)

[Image](https://sms4smile.com/quotes/i/c4a/johnny-hunt-2456_baptized_that-s-what-wrong-we-ve-got-people-whose_1082976.png)

> [Cargo pants freak me out. Too many pockets. I always forget where my wallet is.](https://sms4smile.com/quotes/matthew-gray-gubler/cargo-pants-freak-me-out-too-many-pockets-i-always-forget-where-my/)

[Matthew Gray Gubler](https://sms4smile.com/quotes/author/matthew-gray-gubler/)

[Image](https://sms4smile.com/quotes/i/2ff/matthew-gray-gubler-9470_cargo_cargo-pants-freak-me-out-too-many-pocket_2507421.jpg)

> [My pet hate, with customers, is those that think it's all about wallets.](https://sms4smile.com/quotes/marco-pierre-white/my-pet-hate-with-customers-is-those-that-think-it-s-all-about-wallets/)

[Marco Pierre White](https://sms4smile.com/quotes/author/marco-pierre-white/)

[Image](https://sms4smile.com/quotes/i/8bc/marco-pierre-white-2715_customers_my-pet-hate-with-customers-is-those-that_502099.png)

> [I don't use a wallet. My money is just free-flowing in my bag.](https://sms4smile.com/quotes/christa-b-allen/i-don-t-use-a-wallet-my-money-is-just-free-flowing-in-my-bag/)

[Christa B. Allen](https://sms4smile.com/quotes/author/christa-b-allen/)

[Image](https://sms4smile.com/quotes/i/a7d/christa-b-allen-32537_bag_i-don-t-use-a-wallet-my-money-is-just-fr_287198.png)

> [Good art is in the wallet of the beholder.](https://sms4smile.com/quotes/kathy-lette/good-art-is-in-the-wallet-of-the-beholder/)

[Kathy Lette](https://sms4smile.com/quotes/author/kathy-lette/)

[Image](https://sms4smile.com/quotes/i/b6c/kathy-lette-16412_art_good-art-is-in-the-wallet-of-the-beholde_62732.jpg)

> [Bert's wallet is like an onion. Any time he opens it, he starts crying.](https://sms4smile.com/quotes/brendan-morrison/bert-s-wallet-is-like-an-onion-any-time-he-opens-it-he-starts-crying/)

[Brendan Morrison](https://sms4smile.com/quotes/author/brendan-morrison/)

[Image](https://sms4smile.com/quotes/i/268/brendan-morrison-81173_cry_bert-s-wallet-is-like-an-onion-any-time_1671146.png)

> [A batch of credit cards fattens a wallet before it thins it.](https://sms4smile.com/quotes/evan-esar/a-batch-of-credit-cards-fattens-a-wallet-before-it-thins-it/)

[Evan Esar](https://sms4smile.com/quotes/author/evan-esar/)

[Image](https://sms4smile.com/quotes/i/8ed/evan-esar-1689_cards_a-batch-of-credit-cards-fattens-a-wallet_2013036.jpg)

## Top authors on Wallets

- [ ![](https://sms4smile.com/quotes/wp-content/uploads/sms4s/authors/processed/b018/author-mitch-hedberg-68629.jpg) Mitch Hedberg 5 quotes ](https://sms4smile.com/quotes/about/wallets/mitch-hedberg/)

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                        "text": "Riding a bicycle is about getting back to basics. It's good for the waistline and it's good for the wallet, is what I'm saying.",
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                        "text": "Lie down and offer your throat. No, wait, that's how dogs submit. I know! Offer her you're wallet!\" Oberon",
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                        "text": "When you first open Niall [Horan]'s wallet, the first thing you see is a picture of Justin Bieber and a picture of us.",
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                        "text": "If you ever meet anyone who tells you his or her religion can offer all the answers, run for the hills. Or at least hide your wallet.",
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                        "text": "A chest of gold coins or a fat wallet of bills is of no use whatsoever to a wrecked sailor alone on a raft.",
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                        "text": "Take the money in your wallet and invest it in your mind. And in return, your mind will fill up your wallet!",
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                        "text": "Be careful out there. There are things that go bump in the night. Actually, there are things that go 'Give me your wallet or I'll kill you' in the night.",
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                        "text": "How'd you get in here?\" She raised her eyebrows. “You pick pockets.” Kat watched his hand fly to his back pocket. “I can pick locks. Looking for this?” she asked, holding up his wallet. “Oops. Maybe I can pick pockets too.",
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                        "text": "I want young people to be able to buy into what I design. When I was young, I wanted to buy designer brands even if all I could afford was the cheapest wallet, the cheapest pen, the cheapest T-shirt because I wanted to be a part of it.",
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                        "text": "We need to get past the point where being black and a male means that I am likely to mug you for your wallet, likely to have a minus 15 on my IQ, likely to not go to college and likely to wear my pants below my arse.",
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                        "text": "The lost wallet or purse law: No matter how careful you are, assume that you will lose a few. ... Keep grief to a minimum. It's bad enough your stuff is gone; don't lose your mind too.",
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                        "text": "Capitalism does what it does and money doesn't belong to anybody. It just stays in someone's wallet for a while, then it goes somewhere else. It always goes somewhere and it is always about to go somewhere.",
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                        "text": "My father was a guy who, because of the businesses he was in - the hotel business, the hospitality business - he didn't differentiate between the waiter serving you dinner, from the maitre d from the guy who owns a restaurant. Everybody was the same to him. He didn't look at who you were. He didn't look at your wallet.",
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                        "text": "In about one-third of credit card consolidations, within a short period of time, the cards come back out of the wallet, and in no time at all, they're charged back up. Then you're in an even worse position, because you have the credit card debt and the consolidation loan to worry about. You're in a hole that's twice as deep - and twice as steep.",
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                        "@type": "Quotation",
                        "text": "On occasion I have observed parents shopping to clothe a son about to enter missionary service. The new suits are fitted, the new shoes are laced, and shirts, socks, and ties are bought in quantity. I met one father who said to me, 'Brother Monson, I want you to meet my son.' Pride popped his buttons; the cost of the clothing emptied his wallet; love filled his heart. Tears filled my eyes when I noticed that his [the father's] suit was old, his shoes well worn; but he felt no deprivation. The glow on his face was a memory to cherish.",
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                        "@type": "Quotation",
                        "text": "Remodeling defies the principles of modern commerce. You shell out great sums of money to people over whom you have no authority or power, yet these same people are constantly insinuating that you're cheap. (It reminded me of medicine, another area where you shell out great sums of money to people over whom you have no authority or power, who make you feel guilty for questioning a bill.) Construction workers are the blue-collar version of the snooty salespeople at Gucci who make $8 an hour but look down on you if you balk at a $400 alligator wallet.",
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                            "caption": "“Remodeling defies the principles of modern commerce. You shell out great sums of money to people over whom…” — Margo Kaufman",
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                        "@type": "Quotation",
                        "text": "How does it feel? I feels exactly like one of those dreams in which you suddenly realize that you have to take a test you haven't studied for and you aren't wearing any clothes. And you've left your wallet at home. When I am out there, in time, I am inverted, changed into a desperate version of myself. I become a thief, a vagrant, an animal who runs and hides. I startle old women and amaze children. I am a trick, an illusion of the highest order, so incredible that I am actually true.",
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                            "name": "Audrey Niffenegger"
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                            "caption": "“How does it feel? I feels exactly like one of those dreams in which you suddenly realize that you have to…” — Audrey Niffenegger",
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                        "text": "Historically, the claim of consensus has been the first refuge of scoundrels; it is a way to avoid debate by claiming that the matter is already settled. Whenever you hear the consensus of scientists agrees on something or other, reach for your wallet, because you're being had. The greatest scientists in history are great precisely because they broke with the consensus.",
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                            "name": "Michael Crichton"
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                        "text": "Economics, as it is often taught today, portrays us as homo economicus-someone who doesn't vote in presidential elections, doesn't return lost wallets, and doesn't leave tips when dining out of town. Julie Nelson reminds us that most people aren't really like that. She helps point the way to a richer, more descriptive way of thinking about economic life.",
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                        "text": "If I walk on the street, if I go to a restaurant, people come to me and say: \"Can we take a photo together? Can you give me your autograph?\" They would bring their expensive Armani or Prada wallet to sign. Other people who are desperate show me a photo of their dead daughter and ask: Can you support me? I tell them: How can I? Morally, of course, I sympathize with you. But I cannot support you and you cannot support me. This is the condition of this society. We are separated.",
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                        "text": "My youngest brother had a wonderful schtick from some time in high school, through to graduating medicine. He had a card in his wallet that read, ‘If I am found with amnesia, please give me the following books to read …’ And it listed half a dozen books where he longed to recapture that first glorious sense of needing to find out ‘what happens next’ … the feeling that keeps you up half the night. The feeling that comes before the plot’s been learned.",
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                            "name": "Guy Gavriel Kay"
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                        "text": "Dont treat your customers like a bunch of purses and wallets.",
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                        "@type": "Quotation",
                        "text": "That's what wrong. We've got people whose wallets have not been baptized.",
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