of money sufficient to set you to thinking about business for yourself,
either with your employer or alone, for


LIFE IN AMERICA IS SHORT.

A man is a failure almost before he thinks he ought to have been
considered as started. If you have been receiving small remuneration, be
assured that a capital all the smaller is needed in your town. The
market value of labor is the largest element in the problem of business.
If you worked cheap, then others will, and if they will, it is because
living is cheap. The high-priced man in the city has to be paid highly
because of his expenses, not because he has taken a vow to save a large
amount of money. "He who is taught to live upon little owes more to his
father's wisdom than he that has a great deal left to him does to his
father's care," says William Penn. "He is a good wagoner who can turn in
a little room," says Bishop Hall. How many a man, in getting a costly
home, has found that old Franklin was right when he said it was easier
to build two chimneys than to keep one in fuel. Therefore, when you get
anything,


BEWARE IT ENTAILS LITTLE EXPENSE OF KEEPING.

A horse will eat you poor; a gun will cost you a hundred guns. Think of
it when you buy them, and you will thereafter have no regrets, besides
being less apt to make such purchases. "Gain may be temporary and
uncertain," says Franklin, "but expense is constant and certain." "Not
to be covetous is money; not to be a purchaser is income," says Cicero.
"A fool and his money are soon parted," says the adage. "Live by hope,