But, above all, stands the attainment of happiness as the final form of
struggle. Happiness can only be attained as the result of a prolonged
effort. It is the result of material surroundings and yet a state of the
inner mind. It is, therefore, in some form or another at once the
consequence of achievement and a sense of calm. The flavour is
achievement, but the fruit should be the assured sense of happiness.

"One or another
In money or guns may surpass his brother.
But whoever shall know,
As the long days go.
That to live is happy, has found his heaven."

It is in ignoring this doctrine of the poet that so many men go wrong.
They practise the doctrines of success: they attain it, and then they
lose happiness because they cannot stop. The flower is brilliant, but
the fruit has a sour taste. The final crown in the career of success is
to know when to retire.

"Call no man happy," says the ancient sage, "until he is dead," drawing
his moral from the cruel death of a great King. I would say, call no man
successful until he has left business with enough money to live the kind
of life that pleases him. The man who holds on beyond this limit is
laying up trouble for himself and disappointment for others.

Success in the financial world is the prerogative of young men. A man
who has not succeeded in the field before middle-age comes upon him,
will never succeed in the fundamental sense of the term. An honourable
and prosperous career may, indeed, lie before him, but he will never
reach the heights. He will just go on from year to year, making rather