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I'm making better than two million a year, but it's hard work. The luxuries and pleasures I enjoy in my spare time keep me in condition to do that work. Carnegie and Frick have more money than I have, but I'm getting more value for my dollars than they are.

It's an irony that growing inequality could mean more money for philanthropy. In the U.S., quite a few of the ultra-rich have taken to heart the 19th century industrialist and philanthropist Andrew Carnegie's comment that it's a disgrace to die wealthy.

I believe in two things: One, Andrew Carnegie said, 'He who dies with wealth dies in shame.' And someone once said, 'He who gives while he lives also knows where it goes.'

We need to have the social investments by which to quote unquote distribute some of that wealth.

I had one idea that never changed in my mind - that you should use your wealth to help people.

The very first step to building wealth is to spend less than you make.

The key to wealth is not what we earn. It is in what is spent on us.

Those of us who have yet to find philanthropy may find there is a far greater reward from it than from wealth creation.

I think people like Bill Gates, who have given away enormous sums of money, are shining examples for all of us to follow.