“Creditors have better memories than debtors.”

Context & Editorial Note

This saying is attributed to Benjamin Franklin and associated with Poor Richard’s Almanack, the almanac series he published under the persona Richard Saunders in eighteenth-century America. In that literary setting, brief maxims addressed everyday conduct, commerce, thrift, and reputation. The wording presents a memorable observation about how obligations may remain salient to those awaiting repayment, without establishing a universal rule or offering financial advice. It is preserved here as a source-led saying record.