jewels they see among their boon companions.

Thompy, who has four thousand now, is not quite as happy as Harris, and
complains a good deal of being poor. He is hard-working and progressive,
and will doubtless double his salary; while Perry who is getting ten
thousand, part as income from property and part as trustee of something or
other, is the poorest man I know. He has desires, tastes, and expensive
habits which would make fifteen thousand a year look small to him, and
can't get along without entertainments and personal expenses on a
considerably higher plane than he can now afford.

Where will you land? As you are heading now, you will never be an
earner--it is more likely that you will be a spender--of money. You have
been accustomed to lots of things you could not afford on ten thousand a
year. Of course, you can cut down to that figure; but where will it land
you when you are married and have three daughters to send into society?
You will be worse off than Harris or Thompy in spite of the fact that you
have twice as much as one and just as much as the other.

Here is a curious fact I noticed when in college. I was asked by the
manager of the crew to collect subscriptions for him, and I undertook the
job in the dormitory in which I lived. I often found that the richest men
were the poorest. They never had money with them, and, while they promised
large amounts, they seldom paid; while the men of moderate means seemed to
be the ones who would readily promise reasonable amounts, and then draw a
check for it the first time you asked them. I am stating these facts for
the purpose of drawing some conclusions; and I think you will agree with
me, particularly when I have proved them up by testing them from the other
side.