Paris 3,500
Opera, theater, music, entertaining at restaurants,
and so on 3,500
_____
Total $74,200

A fortune in itself, you may say! Yet judged by the standards of
expenditure among even the unostentatiously wealthy in New York it is
moderate indeed. A friend of mine who has only recently married glanced
over my schedule and said, "Why, it's ridiculous, old man! No one could
live in New York on any such sum."

Any attempt to "keep house" in the old-fashioned meaning of the phrase
would result in domestic disruption. No cook who was not allowed to do
the ordering would stay with us. It is hopeless to try to save money in
our domestic arrangements. I have endeavored to do so once or twice and
repented of my rashness. One cannot live in the city without motors, and
there is no object in living at all if one cannot keep up a scale of
living that means comfort and lack of worry in one's household.

The result is that I am always pressed for money even on an income of
seventy-five thousand dollars. And every year I draw a little on my
capital. Sometimes a lucky stroke on the market or an unexpected fee
evens things up or sets me a little ahead; but usually January first
sees me selling a few bonds to meet an annual deficit. Needless to say,
I pay no personal taxes. If I did I might as well give up the struggle
at once. When I write it all down in cold words I confess it seems
ridiculous. Yet my family could not be happy living in any other way.

It may be remarked that the item for charity on the preceding schedule
is somewhat disproportionate to the amount of the total expenditure. I
offer no excuse or justification for this. I am engaged in an honest
exposition of fact--for my own personal satisfaction and profit, and for
what lessons others may be able to draw from it. My charities are
negligible.

The only explanation which suggests itself to my mind is that I lead so
circumscribed and guarded a life that these matters do not obtrude
themselves on me. I am not brought into contact with the maimed, the
halt and the blind; if I were I should probably behave toward them like
a gentleman. The people I am thrown with are all sleek and well fed; but
even among those of my friends who make a fad of charity I have never
observed any disposition to deprive themselves of