President Smith’s counsel was:
“I think you are a very generous man with someone else’s property. …
“… You have told me what you have done with the Lord’s money but you have not told me that you have given anyone a penny of your own. He is the best partner you have in the world. He gives you everything you have, even the air you breathe. He has said you should take one-tenth of what comes to you and give it to the Church as directed by the Lord. You haven’t done that; you have taken your best partner’s money, and have given it away.” 17