What is a provident provider?

I've been pondering this question a little today. Lately I have felt extremely overwhelmed with the amount of debt I am in and will continue to accrue before I graduate from Dental School. It brought me to this talk by Elder Robert D. Hales that was given last conference entitled "Becoming Provident Providers Temporally and Spiritually." Here's a few snippets from the talk:

"All of us are responsible to provide for ourselves and our families in both temporal and spiritual ways. To provide providently, we must practice the principles of provident living: joyfully living within our means, being content with what we have, avoiding excessive debt, and diligently saving and preparing for rainy-day emergencies. When we live providently, we can provide for ourselves and our families and also follow the Savior’s example to serve and bless others.
Being provident providers, we must keep that most basic commandment, “Thou shalt not covet” (Exodus 20:17). Our world is fraught with feelings of entitlement. Some of us feel embarrassed, ashamed, less worthwhile if our family does not have everything the neighbors have. As a result, we go into debt to buy things we can’t afford—and things we do not really need. Whenever we do this, we become poor temporally and spiritually. We give away some of our precious, priceless agency and put ourselves in self-imposed servitude. Money we could have used to care for ourselves and others must now be used to pay our debts. What remains is often only enough to meet our most basic physical needs. Living at the subsistence level, we become depressed, our self-worth is affected, and our relationships with family, friends, neighbors, and the Lord are weakened. We do not have the time, energy, or interest to seek spiritual things...."
"With all the love I have in me and with the Savior’s love through me, I invite you to come unto Him and hear His words: “Wherefore, do not spend money for that which is of no worth, nor your labor for that which cannot satisfy. Hearken diligently unto me, and remember the words which I have spoken; and come unto the Holy One of Israel, and feast upon that which perisheth not, neither can be corrupted” (2 Nephi 9:51).
I testify that the appetite to possess worldly things can only be overcome by turning to the Lord. The hunger of addiction can only be replaced by our love for Him. He stands ready to help each one of us. “Fear not,” He said, “for you are mine, and I have overcome the world” (D&C 50:41)."

If you want to read the whole talk click here