Minna Thomas Antrim (October 13, 1861, Philadelphia – 1950) was an American writer. She is famous for the quote "Experience is a great teacher, but she sends in terrific bills."
You may find more from Minna Antrim on Wikiquote
It is my opinion that humans are largely what they make of themselves; in other words, "human nature" is not so much an empirical reality as a process of self-construction. This means that if people become what they think they are, what they think they are is exceedingly important.