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“Is this all for the poor boy?”

“Every word. I trust that few, if any, of your readers have the misfortune to be rich men’s sons. They are heavily weighted in the race. A basketful of bonds is the heaviest basket a young man ever had to carry. He generally gets to staggering under it. The vast majority of rich men’s sons are unable to resist the temptations to which wealth subjects them, and they sink to unworthy lives. It is not from this class that the poor beginner has rivalry to fear. The partner’s sons will never trouble you much, but look out that some boys poorer, much poorer, than yourselves, whose parents cannot afford to give them any schooling, do not challenge you at the post and pass you at the grand stand. Look out for the boy who has to plunge into work direct from the common school, and begins by sweeping out the office. He is the probable dark horse that will take all the money and win all the applause.

“The first thing that a man should learn to do is to save his money. By saving his money he promotes thrift—the most valued of all habits. Thrift is the great fortune-maker. It draws the line between the savage and the civilized man. Thrift not only develops the fortune, but it develops, also, the man’s character.”