" A man with a surplus can control circumstances, but a man without a surplus is controlled by them, and often has no opportunity to exercise judgment. "
- Marshall Field

In simple terms, the quote suggests that individuals who have financial or material resources can navigate life’s challenges more effectively than those without such advantages. Those with a surplus are better equipped to make decisions and take control of their lives because they are less constrained by immediate needs like food, shelter, and safety.

On a deeper level, this statement highlights how having a buffer of resources gives people the freedom to consider long-term goals and opportunities that might otherwise be inaccessible or overlooked. It implies that financial stability not only influences personal decision-making but also shapes one’s ability to influence circumstances rather than being passively affected by them. People with fewer resources often find themselves reacting to crises instead of proactively shaping their futures, limiting the scope for strategic thinking and innovation.

Marshall Field was an American businessman who lived from 1834 to 1906. He is known for founding Marshall Field's department stores in Chicago, which became one of the most famous retail brands in the United States during his time. His quote reflects his understanding of how financial security impacts not just personal success but also broader life outcomes and opportunities.