ustomer was too insignificant to
be greeted with a smile or pleasant word; no task was too great for him
to attempt. Thus step by step, he advanced, each day bringing new duties
and difficulties but each day also bringing new strength and
determination to master them, and today that cousin is a man of wealth
and an honored citizen, blessed, too, with a happy home.

Some young men start life with the idea that every dollar made requires
that one dollar and a half shall be spent; in order to be noticed they
must make a big show, give big dinners, carriage drives, and parties,
invite friends to the theaters, and have a "swell" time; must do like
Mr. "So-and-So." They forget in their desire to copy, that Mr.
"So-and-So," their pattern, has already made his fortune; that he began
to save before he began to spend. But no, his name appears often in the
papers and they think also that theirs must. So they begin their
careers. A few years pass. The young men marry; their debts begin to
accumulate and to press them, their countenances are always woe-begone;
where once were smiles, now are frowns, and the homes are pictures of
gloom and shadows. The lesson is plain.

Debt is the greatest burden that can be put upon man; it makes him
afraid to look honest men in the face. No man can be a leader in the
fullest sense who is burdened by a great debt. If there is any young man
who is spending more than he is making, let him ask himself the
question, Is the game worth the candle?

I know another young man who believed he could be happy by spending
one-third of what he made and saving the other portion. He said to me,
"some day I want to marry and I want to treat my wife better, if
possible, than she was treated at home. I want to respect my fellow
man, I want to be a leader, and I know I can only do so by saving a part
of what I make." It was my good pleasure, a few weeks ago, to visit the
city where this young man is practising medicine. He carried me over
that town in an automobile, he entertained me in his $5000 home, he
showed me other property which he owned. Ah, his indeed was a happy
home. Life to him was blessedly real.

A young man starts out in life with the determination to fight his way
by physical force to the front ranks. Bruised, disfigured, or killed, he
is forced back even beyond the lines again. A religiously inclined youth
asked his pastor, "Do you think it would be wrong for me to learn the
noble art of self-defe