is stomach, while the rich man is going from one
watering place to another looking for a stomach for his food." This
is only a witty way of expressing a sober truth, namely, that one is
limited in the amount of money he can wisely spend for food.

We need clothing--we all need clothing, and we need about the same
amount. The difference in quantity is not great. The range in
expenditure for clothing is greater than the range in quantity, because
expenditure covers style and variety as well as quantity, but there is a
limit to the amount of money one can wisely spend for clothing. If a
man has so much clothing that it takes all of his time to change his
clothes, he has more than he needs and more than he can wisely buy.

We need homes--we all need shelter and we need about the same amount. In
fact, God was very democratic in the distribution of our needs, for
He so created us that our needs are about the same. The range of
expenditure for homes is probably wider than in the case of either food
or clothing. We are interested in the home. I never pass a little house
where two young people are starting out in life without a feeling of
sympathetic interest in that home; I never pass a house where a room is
being added without feeling interested, for I know the occupants have
planned it, and looked forward to it and waited for it; I like to see a
little house moved back and a larger house built, for I know it is the
fulfillment of a dream. I have had some of these dreams myself, and I
know how they lead us on and inspire us to larger effort and greater
endeavour, and yet there is a limit to the amount one can wisely spend
even for so good a thing as a home.

If a man gets too big a house it becomes a burden to him, and many have
had this experience. Not infrequently a young couple start out poor and
struggle along in a little house, looking forward to the time when they
can build a big house. After a while the time arrives and they build a
big house, larger, possibly, than they intended to, and it nearly always
costs more than they thought it would, and then they struggle along the
rest of their lives looking back to the time when they lived in a little
house.

We speak of people being _independently rich_. That is a mistake; they
are _dependency rich_. The richer a man is the more dependent he is--the
more people he depends upon to help him collect his income, and the more
people he depends upon to help him spend his incom