,b4 & ,e/h] ,n4 ,keys]       ,,! ,,art  
,,( ,,money ,,gett+  or  ,,gold5 ,,rules
 ,,= ,,mak+ ,,money   ,by ,p4,t4 ,b>num 
,9 ! ,unit$ ,/ates1 :]e we h m l& ?an p1
 x is n at all difficult = p]sons 9 good
 heal? to make money4 ,9 ?is            
comp>atively new field !re are s _m     
av5ues ( success op51 s _m vocations :i*
 are n cr[d$1 t any p]son ( ei!r sex :o 
is will+1 at lea/ = ! "t be+1 to engage 
9 any respectable occupation t (f]s1 may
 f9d lucrative employm5t4  ,^? :o really
 desire to atta9 an indep5d5ce1 h only  
to set _! m9ds ^u x1 & adopt ! prop]    
means1 z !y d 9 reg>d to any o!r object 
:i* !y wi% to accompli%1 & ! ?+ is      
easily done4 ,b h[ev] easy x may be f\nd
 to make money1 ,i h no d\bt _m ( my    
he>]s w agree x is ! mo/ difficult ?+ 9 
! _w to keep x4 ,! road to weal? is1 z  
,dr4 ,frankl9 truly says1 z pla9 z !    
road to ! mill4 ,x consi/s simply 9     
exp5d+ less ?an we e>n2 t seems to be a 
v simple problem4 ,mr4 ,micawb]1 "o ( ^?
 happy creations ( ! g5ial ,dick5s1 puts

 ! case 9 a /rong light :5 he says t to 
h annual income ( tw5ty p\nds p] annum1 
& sp5d tw5ty p\nds & sixp5ce1 is to be !
 mo/ mis]able ( m52 :]eas1 to h an      
income ( only tw5ty p\nds1 & sp5d b     
n9ete5 p\nds & sixp5ce is to be !       
happie/ ( mortals4 ,_m ( my read]s may  
say1 we und]/& ?is3 ?is is economy1 & we
 "k economy is weal?2 we "k we c't eat  
our cake & keep x also4 ,yet ,i beg to  
say t p]haps m cases ( failure arise f  
mi/akes on ?is po9t ?an almo/ any o!r4  
,! fact is1 _m p ?9k !y und]/& economy  
:5 !y really d n4  ,true economy is     
misappreh5d$1 & p g ?r\gh life )\t      
prop]ly compreh5d+ :at t pr9ciple is4   
,"o says1 ,i h an income ( s mu*1 & "h  
is my neighbor :o has ! same2 yet e ye> 
he gets some?+ ahead & ,i fall %ort2 :y 
is x8 ,i "k all ab\t economy4 ,he ?9ks  
he does1 b he does n4 ,!re are m5 :o ?9k
 t economy consi/s 9 sav+ *eese-p>+s &  
c&le-ends1 9 cutt+ (f two p5ce f !      
laundress' bill & do+ all sorts (       
little1 mean1 dirty ?+s4 ,economy is n  

meanness4 ,! mis=tune is1 also1 t ?is   
class ( p]sons let _! economy apply 9   
only "o direction4 ,!y fancy !y are s   
wond]fully economical 9 sav+ a half-p5ny
 :]e !y ought to sp5d twop5ce1 t !y ?9k 
!y c af=d to squ&] 9 o!r directions4 ,a 
few ye>s ago1 be=e k]os5e oil 0 discov]$
 or ?\ght (1 "o might /op ov]night at   
almo/ any f>m]'s h\se 9 ! agricultural  
di/ricts & get a v good supp]1 b aft]   
supp] he might attempt to read 9 !      
sitt+-room1 & w\ld f9d x impossible ) ! 
ineffici5t light ( "o c&le4 ,! ho/ess1  
see+ 8 dilemma1 w\ld say3 ,x is r       
difficult to read "h ev5+s2 ! prov]b    
says 'y mu/ h a %ip at sea 9 ord] to be 
able to burn two c&les at once2' we nev]
 h an extra c&le except on extra        
occasions4 ,^! extra occasions occur1   
p]haps1 twice a ye>4 ,9 ?is way ! good  
woman saves five1 six1 or t5 doll>s 9 t 
"t3 b ! in=mation :i* might be d]iv$ f  
hav+ ! extra light w\ld1 ( c\rse1 f>    
outweigh a ton ( c&les4  ,b ! tr\ble    
does n end "h4 ,feel+ t %e is s         

economical 9 tall[ c&ies1 %e ?9ks %e c  
af=d to g frequ5tly to ! village & sp5d 
tw5ty or ?irty doll>s = ribbons &       
furbel[s1 _m ( :i* are n necess>y4 ,?is 
false connote may frequ5tly be se5 9 m5 
( bus9ess1 & 9 ^? in/ances x (t5 runs to
 writ+-pap]4 ,y f9d good bus9essm5 :o   
save all ! old envelopes & scraps1 &    
w\ld n te> a new %eet ( pap]1 if !y c\ld
 avoid x1 = ! _w4 ,?is is all v well2 !y
 may 9 ?is way save five or t5 doll>s a 
ye>1 b be+ s economical 7only 9 note    
pap]71 !y ?9k !y c af=d to wa/e "t2 to h
 exp5sive p>ties1 & to drive _!         
c>riages4 ,?is is an illu/ration ( ,dr4 
,frankl9's sav+ at ! spigot & wa/+ at ! 
bung-hole2 p5ny wise & p\nd fooli%4     
,pun* 9 speak+ ( ?is "o idea class ( p  
says !y are l ! man :o b\ght a p5ny h]r+
 = 8 family's d9n] & !n hir$ a coa* &   
f\r to take x home4 ,i nev] knew a man  
to succe$ by practis+ ?is k9d ( economy4
  ,true economy consi/s 9 always mak+ ! 
income exce$ ! out-g4 ,we> ! old clo!s a
 little long] if necess>y2 disp5se ) !  

new pair ( gloves2 m5d ! old dress3 live
 on pla9] food if ne$ be2 s t1 "u all   
circum/ances1 unless "s un=ese5 accid5t 
occurs1 !re w be a m>g9 9 favor ( !     
income4 ,a p5ny "h1 & a doll> !re1 plac$
 at int]e/1 goes on accumulat+1 & 9 ?is 
way ! desir$ result is atta9$4 ,x       
requires "s tra9+1 p]haps1 to accompli% 
?is economy1 b :5 once us$ to x1 y w f9d
 !re is m satisfaction 9 rational sav+  
?an 9 irrational sp5d+4 ,"h is a recipe 
:i* ,i recomm5d3 ,i h f\nd x to "w an   
excell5t cure = extravagance1 &         
especially = mi/ak5 economy3 ,:5 y f9d t
 y h no surplus at ! end ( ! ye>1 & yet 
h a good income1 ,i advise y to take a  
few %eets ( pap] & =m !m into a book &  
m>k d[n e item ( exp5diture4 ,po/ x e   
day or week 9 two columns1 "o head$     
necess>ies or ev5 com=ts1 & ! o!r head$ 
luxuries1 & y w f9d t ! latt] column w  
be d\ble1 treble1 & frequ5tly t5 times  
great] ?an ! =m]4 ,! real com=ts ( life 
co/ b a small portion ( :at mo/ ( u c   
e>n4 ,dr4 ,frankl9 says x is ! eyes (   

o!rs & n our own eyes :i* ru9 u4 ,if all
 ! _w 7 bl9d except myself ,i %\ld n c>e
 = f9e clo!s or furniture4 ,x is ! fe> (
 :at ,mrs4 ,grundy may say t keeps !    
noses ( _m wor?y families to ! gr9d/one4
 ,9 ,am]ica _m p]sons l to repeat we are
 all free & equal1 b x is a great mi/ake
 9 m s5ses ?an "o4  ,t we are born free 
& equal is a glori\s tru? 9 "o s5se1 yet
 we are n all born equally ri*1 & we    
nev] %all be4 ,"o may say2 !re is a man 
:o has an income ( fifty ?\s& doll>s p] 
annum1 :ile ,i h b "o ?\s& doll>s2 ,i   
knew t fell[ :5 he 0 poor l myself2 n[  
he is ri* & ?9ks he is bett] ?an ,i am2 
,i w %[ him t ,i am z good z he is2 ,i w
 g & buy a horse & buggy2 no1 ,i _c d t1
 b ,i w g & hire "o & ride ?is aft]noon 
on ! same road t he does1 & ?us prove to
 him t ,i am z good z he is4  ,my fri5d1
 y ne$ n take t tr\ble2 y c easily prove
 t y are z good z he is2 y h only to    
behave z well z he does2 b y _c make    
anybody believe t y are ri* z he is4    
,besides1 if y put on ^! airs1 add wa/e 

y\r "t & sp5d y\r money1 y\r poor wife w
 be oblig$ to scrub h] f+]s (f at home1 
& buy h] tea two ounces at a "t1 &      
ev]y?+ else 9 proportion1 9 ord] t y may
 keep up appe>ances1 &1 aft] all1       
deceive nobody4 ,on ! o!r h&1 ,mrs4     
,smi? may say t h] next-door neighbor   
m>ri$ ,johnson = 8 money1 & ev]ybody    
says s4 ,%e has a nice "o-?\s& doll>    
camel's hair %awl1 & %e w make ,smi? get
 h] an imitation "o1 & %e w sit 9 a pew 
"r next to h] neighbor 9 *ur*1 9 ord] to
 prove t %e is h] equal4  ,my good      
woman1 y w n get ahead 9 ! _w1 if y\r   
vanity & envy ?us take ! lead4 ,9 ?is   
c\ntry1 :]e we believe ! majority ought 
to rule1 we ignore t pr9ciple 9 reg>d to
 fa%ion1 & let a h&ful ( p1 call+       
!mselves ! ari/ocracy1 run up a false   
/&>d ( p]fection1 & 9 endeavor+ to rise 
to t /&>d1 we con/antly keep ourselves  
poor2 all ! "t digg+ away = ! sake (    
outside appe>ances4 ,h[ mu* wis] to be a
 law unto ourselves & say1 we w regulate
 our out-g by our income1 & lay up      

some?+ = a ra9y day4 ,p ought to be z   
s5sible on ! subject ( money-gett+ z on 
any o!r subject4 ,l causes produces l   
effects4 ,y _c accumulate a =tune by    
tak+ ! road t leads to pov]ty4 ,x ne$s  
no prophet to tell u t ^? :o live fully 
up to _! means1 )\t any ?\ght ( a rev]se
 9 ?is life1 c nev] atta9 a pecuni>y    
indep5d5ce4  ,m5 & wom5 accu/om$ to     
gratify e :im & caprice1 w f9d x h>d1 at
 fir/1 to cut d[n _! v>i\s unnecess>y   
exp5ses1 & w feel x a great self-d5ial  
to live 9 a small] h\se ?an !y h be5    
accu/om$ to1 ) less exp5sive furniture1 
less company1 less co/ly clo?+1 few]    
s]vants1 a less numb] ( balls1 p>ties1  
!at]-go+s1 c>riage-rid+s1 pleasure      
excursions1 cig>-smok+s1 liquor-dr9k+s1 
& o!r extravagances2 b1 aft] all1 if !y 
w try ! plan ( lay+ by a ne/-egg1 or1 9 
o!r words1 a small sum ( money1 at      
int]e/ or judici\sly inve/$ 9 l&1 !y w  
be surpris$ at ! pleasure to be d]iv$ f 
con/antly add+ to _! little pile1 z well
 z f all ! economical habits :i* are    

eng5d]$ by ?is c\rse4  ,! old suit (    
clo!s1 & ! old bonnet & dress1 w answ] =
 ano!r season2 ! ,croton or spr+ wat]   
ta/e bett] ?an *ampagne2 a cold ba? & a 
brisk walk w prove m exhil>at+ ?an a    
ride 9 ! f9e/ coa*2 a social *at1 an    
ev5+'s read+ 9 ! family circle1 or an   
h\r's play ( hunt ! slipp] & bl9d man's 
buff w be f> m pleasant ?an a fifty or  
five hundr$ doll> p>ty1 :5 ! reflection 
on ! diff]5ce 9 co/ is indulg$ 9 by ^?  
:o beg9 to "k ! pleasures ( sav+4 ,?\s&s
 ( m5 are kept poor1 & t5s ( ?\s&s are  
made s aft] !y h acquir$ q suffici5t to 
support !m well ?r\gh life1 9 consequ5ce
 ( lay+ _! plans ( liv+ on too broad a  
plat=m4 ,"s families exp5d tw5ty ?\s&   
doll>s p] annum1 & "s mu* m1 & w\ld     
sc>cely "k h[ to live on less1 :ile o!rs
 secure m solid enjoym5t frequ5tly on a 
tw5tie? "p ( t am\nt4 ,prosp]ity is a m 
sev]e ordeal ?an adv]sity1 especially   
sudd5 prosp]ity4 ,easy come1 easy g1 is 
an old & true prov]b4 ,a _s ( pride &   
vanity1 :5 p]mitt$ to h full sway1 is ! 

undy+ cank]-worm :i* gnaws ! v vitals ( 
a man's worldly possessions1 let !m be  
small or great1 hundr$s1 or millions4   
,_m p]sons1 z !y beg9 to prosp]1        
imm$iately exp& _! ideas & comm5ce      
exp5d+ = luxuries1 until 9 a %ort "t _! 
exp5ses swall[ up _! income1 & !y become
 ru9$ 9 _! ridicul\s attempts to keep up
 appe>ances1 & make a s5sation4  ,i "k a
 g5tleman ( =tune :o says1 t :5 he fir/ 
began to prosp]1 8 wife w\ld h a new &  
elegant s(a4 ,t s(a1 he says1 co/ me    
?irty ?\s& doll>s6 ,:5 ! s(a rea*$ !    
h\se1 x 0 f\nd necess>y to get *airs to 
mat*2 !n side-bo>ds1 c>pets & tables to 
correspond ) !m1 & s on ?r\gh ! entire  
/ock ( furniture2 :5 at la/ x 0 f\nd t !
 h\se itself 0 q too small & old-fa%ion$
 = ! furniture1 & a new "o 0 built to   
correspond ) ! new pur*ases2 ?us1 add$  
my fri5d1 summ+ up an outlay ( ?irty    
?\s& doll>s1 caus$ by t s+le s(a1 &     
saddl+ on me1 9 ! %ape ( s]vants1       
equipage1 & ! necess>y exp5ses att5dant 
^u keep+ up a f9e 'e/abli%m5t1' a ye>ly 

outlay ( elev5 ?\s& doll>s1 & a tight   
p9* at t3 :]eas1 t5 ye>s ago1 we liv$ ) 
mu* m real com=t1 because ) mu* less    
c>e1 on z _m hundr$s4 ,! tru? is1 he    
cont9u$1 t s(a w\ld h br\ght me to      
inevitable bankruptcy1 _h n a mo/       
unexampl$ title to prosp]ity kept me    
above x1 & _h ,i n *eck$ ! natural      
desire to 'cut a da%'4  ,! f\ndation (  
success 9 life is good heal?3 t is !    
sub/ratum =tune2 x is also ! basis (    
happ9ess4 ,a p]son _c accumulate a =tune
 v well :5 he is sick4 ,he has no       
ambition2 no inc5tive2 no =ce4 ,( c\rse1
 !re are ^? :o h bad heal? & _c help x3 
y _c expect t su* p]sons c accumulate   
weal?1 b !re are a great _m 9 poor heal?
 :o ne$ n be s4  ,if1 !n1 s\nd heal? is 
! f\ndation ( success & happ9ess 9 life1
 h[ important x is t we %\ld /udy ! laws
 ( heal?1 :i* is b ano!r expression = ! 
laws ( nature6 ,! ne>] we keep to ! laws
 ( nature1 ! ne>] we are to good heal?1 
& yet h[ _m p]sons !re are :o pay no    
att5tion to natural laws1 b absolutely  

transgress !m1 ev5 aga9/ _! own natural 
incl9ation4 ,we ought to "k t ! s9 (    
ignorance is nev] w9k$ at 9 reg>d to !  
violation ( nature's laws2 _! infraction
 always br+s ! p5alty4 ,a *ild may ?ru/ 
its f+] into ! flames )\t kn[+ x w burn1
 & s suff]s1 rep5tance1 ev51 w n /op !  
sm>t4 ,_m ( our ance/ors knew v little  
ab\t ! pr9ciple ( v5tilation4 ,!y did n 
"k mu* ab\t oxyg51 :atev] o!r g9 !y     
might h be5 acqua9t$ )2 & consequ5tly !y
 built _! h\ses ) little sev5-by-n9e    
feet b$rooms1 & ^! good old pi\s        
,puritans w\ld lock !mselves up 9 "o (  
^! cells1 say _! pray]s & g to b$4 ,9 ! 
morn+ !y w\ld dev\tly return ?anks = !  
pres]vation ( _! lives1 dur+ ! night1 & 
nobody _h bett] reason to be ?ankful4   
,probably "s big crack 9 ! w9d[1 or 9 ! 
door1 let 9 a little fre% air1 & ?us    
sav$ !m4  ,_m p]sons kn[+ly violate !   
laws ( nature aga9/ _! bett] impulses1 =
 ! sake ( fa%ion4 ,= in/ance1 !re is "o 
?+ t no?+ liv+ except a vile worm ev]   
naturally lov$1 & t is tobacco2 yet h[  

_m p]sons !re are :o delib]ately tra9 an
 unnatural appetite1 & ov]come ?is      
implant$ av]sion = tobacco1 to su* a    
degree t !y get to love x4 ,!y h got    
hold ( a poison\s1 fil?y we$1 or r t    
takes a firm hold ( !m4 ,"h are m>ri$ m5
 :o run ab\t spitt+ tobacco juice on !  
c>pet & floors1 & sometimes ev5 ^u _!   
wives besides4 ,!y d n kick _! wives out
 ( doors l drunk5 m51 b _! wives1 ,i h  
no d\bt1 (t5 wi% !y 7 outside ( ! h\se4 
,ano!r p]il\s feature is t ?is          
artificial appetite1 l jeal\sy1 gr[s by 
:at x fe$s on2 :5 y love t :i* is       
unnatural1 a /rong] appetite is creat$ =
 ! hurtful ?+ ?an ! natural desire = :at
 is h>mless4 ,!re is an old prov]b :i*  
says t habit is second nature1 b an     
artificial habit is /rong] ?an nature4  
,take = in/ance1 an old tobacco-*ew]2 8 
love = ! quid is /rong] ?an 8 love = any
 p>ticul> k9d ( food4 ,he c give up roa/
 beef easi] ?an give up ! we$4  ,"y lads
 regret t !y are n m52 !y w\ld l to g to
 b$ boys & wake up m52 & to accompli%   

?is !y copy ! bad habits ( _! s5iors4   
,little ,tommy & ,johnny see _! fa!rs or
 uncles smoke a pipe1 & !y say1 ,if ,i  
c\ld only d t1 ,i w\ld be a man too2    
uncle ,john has gone out & left 8 pipe (
 tobacco1 let u try x4 ,!y take a mat* &
 light x1 & !n puff away4 ,we w le>n to 
smoke2 d y l x ,johnny8 ,t lad dolefully
 replies3 ,n v mu*2 x ta/es bitt]2 by & 
by he gr[s pale1 b he p]si/s & he soon  
(f]s up a sacrifice on ! alt> ( fa%ion2 
b ! boys /ick to x & p]sev]e until at   
la/ !y conqu] _! natural appetites &    
become ! victims ( acquir$ ta/es4  ,i   
speak by ! book1 = ,i h notic$ its      
effects on myself1 hav+ gone s f> z to  
smoke t5 or fifte5 cig>s a day2 al?\gh  
,i h n us$ ! we$ dur+ ! la/ f\rte5 ye>s1
 & nev] %all aga94 ,! m a man smokes1 ! 
m he craves smok+2 ! la/ cig> smok$     
simply excites ! desire = ano!r1 & s on 
incessantly4  ,take ! tobacco-*ew]4 ,9 !
 morn+1 :5 he gets up1 he puts a quid 9 
8 m\? & keeps x !re all day1 nev] tak+ x
 out except to ex*ange x = a fre% "o1 or

 :5 he is go+ to eat2 oh6 yes1 at       
int]vals dur+ ! day & ev5+1 _m a *ew]   
takes out ! quid & holds x 9 8 h& long  
en\gh to take a dr9k1 & !n pop x goes   
back aga94 ,?is simply proves t !       
appetite = rum is ev5 /rong] ?an t =    
tobacco4 ,:5 ! tobacco-*ew] goes to y\r 
c\ntry seat & y %[ him y\r grap]y &     
fruit h\se1 & ! beauties ( y\r g>d51 :5 
y (f] him "s fre%1 ripe fruit1 & say1   
,my fri5d1 ,i h got "h ! mo/ delici\s   
apples1 & pe>s1 & pea*es1 & apricots2 ,i
 h import$ !m f ,spa91 ,france &        
,italy--j see ^? lusci\s grapes2 !re is 
no?+ m delici\s nor m heal?y ?an ripe   
fruit1 s help y\rself2 ,i want to see y 
delight y\rself ) ^! ?+s2 he w roll !   
de> quid "u 8 tongue & answ]1 ,no1 ,i   
?ank y1 ,i h got tobacco 9 my m\?4 ,8   
palate has become n>cotiz$ by ! noxi\s  
we$1 & he has lo/1 9 a great measure1 ! 
delicate & enviable ta/e = fruits4 ,?is 
%[s :at exp5sive1 useless & injuri\s    
habits m5 w get into4 ,i speak f        
exp]i5ce4 ,i h smok$ until ,i trembl$ l 

an asp5 leaf1 ! blood ru%$ to my head1 &
 ,i _h a palpitation ( ! he>t :i* ,i    
?\ght 0 he>t disease1 till ,i 0 almo/   
kill$ ) fright4 ,:5 ,i consult$ my      
physician1 he said break (f tobacco us+4
 ,i 0 n only injur+ my heal? & sp5d+ a  
great deal ( money1 b ,i 0 sett+ a bad  
example4 ,i obey$ 8 c\nsel4 ,no "y man 9
 ! _w ev] look$ s beautiful1 z he ?\ght 
he did1 beh9d a fifte5 c5t cig> or a    
me]s*aum6  ,^! rem>ks apply ) t5fold =ce
 to ! use ( intoxicat+ dr9ks4 ,to make  
money1 requires a cle> bra94 ,a man has 
got to see t two & two make f\r2 he mu/ 
lay all 8 plans ) reflection & =e?\ght1 
& closely exam9e all ! details & ! ins &
 outs ( bus9ess4 ,z no man c succe$ 9   
bus9ess unless he has a bra9 to enable  
him to lay 8 plans1 & reason to guide   
him 9 _! execution1 s1 no matt] h[      
b\ntifully a man may be bless$ )        
intellig5ce1 if ! bra9 is muddl$1 & 8   
judgm5t w>p$ by intoxicat+ dr9ks1 x is  
impossible = him to c>ry on bus9ess     
successfully4 ,h[ _m good opportunities 

h pass$1 nev] to return1 :ile a man 0   
sipp+ a social glass1 ) 8 fri5d6 ,h[ _m 
fooli% b>ga9s h be5 made "u ! influ5ce (
 ! n]v9e1 :i* tempor>ily makes its      
victim ?9k he is ri*4 ,h[ _m important  
*ances h be5 put (f until to-morr[1 & !n
 =ev]1 because ! w9e cup has ?r[n !     
sy/em into a /ate ( lassitude1          
neutraliz+ ! en]gies s ess5tial to      
success 9 bus9ess4 ,v]ily1 w9e is a     
mock]4 ,! use ( intoxicat+ dr9ks z a    
bev]age1 is z mu* an infatuation1 z is !
 smok+ ( opium by ! ,*9ese1 & ! =m] is q
 z de/ructive to ! success ( ! bus9ess  
man z ! latt]4 ,x is an unmitigat$ evil1
 utt]ly indef5sible 9 ! light (         
philosophy2 religion or good s5se4 ,x is
 ! p>5t ( ne>ly e o!r evil 9 our c\ntry4
     ,,don',t ,,mi/ake ,,y\r ,,vocation 
,! safe/ plan1 & ! "o mo/ sure ( success
 = ! "y man />t+ 9 life1 is to select ! 
vocation :i* is mo/ cong5ial to 8 ta/es4
 ,p>5ts & gu>dians are (t5 q too        
neglig5t 9 reg>d to ?is4 ,x v common = a
 fa!r to say1 = example3 ,i h five boys4

 ,i w make ,billy a cl]gyman2 ,john a   
lawy]2 ,tom a doctor1 & ,dick a f>m]4   
,he !n goes into t[n & looks ab\t to see
 :at he w d ) ,sammy4 ,he returns home &
 says ,sammy1 ,i see wat*-mak+ is a nice
 g5teel bus9ess2 ,i ?9k ,i w make y a   
goldsmi?4 ,he does ?is1 reg>dless (     
,sam's natural incl9ations1 or g5ius4   
,we are all1 no d\bt1 born = a wise     
purpose4 ,!re is z mu* div]sity 9 our   
bra9s z 9 our c\nt5ances4 ,"s are born  
natural me*anics1 :ile "s h great       
av]sion to ma*9]y4 ,let a doz5 boys ( t5
 ye>s get toge!r1 & y w soon obs]ve two 
or ?ree are :ittl+ out "s +5i\s device2 
work+ ) locks or complicat$ ma*9]y4 ,:5 
!y 7 b five ye>s old1 _! fa!r c\ld f9d  
no toy to please !m l a puzzle4 ,!y are 
natural me*anics2 b ! o!r eight or n9e  
boys h diff]5t aptitudes4 ,i belong to !
 latt] class2 ,i nev] _h ! slighte/ love
 = me*anism2 on ! contr>y1 ,i h a sort (
 abhorr5ce = complicat$ ma*9]y4 ,i nev] 
_h +5uity en\gh to :ittle a cid] tap s x
 w\ld n leak4 ,i nev] c\ld make a p5 t  

,i c\ld write )1 or und]/& ! pr9ciple ( 
a /eam eng9e4 ,if a man 0 to take su* a 
boy z ,i 01 & attempt to make a wat*mak]
 ( him1 ! boy might1 aft] an            
appr5tice%ip ( five or sev5 ye>s1 be    
able to take ap>t & put toge!r a wat*2 b
 all ?r\gh life he w\ld be work+ up hill
 & seiz+ e excuse = leav+ 8 "w & idl+   
away 8 "t4 ,wat*mak+ is repulsive to    
him4  ,unless a man ent]s ^u ! vocation 
int5d$ = him by nature1 & be/ suit$ to 8
 peculi> g5ius1 he _c succe$4 ,i am glad
 to believe t ! majority ( p]sons d f9d 
_! "r vocation4 ,yet we see _m :o h     
mi/ak5 _! call+1 f ! blacksmi? up 7or   
d[n7 to ! cl]gyman4 ,y w see1 = in/ance1
 t extraord9>y l+ui/ ! le>n$ blacksmi?1 
:o ought to h be5 a tea*] ( languages2 &
 y may h se5 lawy]s1 doctors & cl]gym5  
:o 7 bett] fitt$ by nature = ! anvil or 
! lap/one4     ,,select ,,! ,,"r        
,,location  ,aft] secur+ ! "r vocation1 
y mu/ be c>eful to select ! prop]       
location4 ,y may h be5 cut out = a hotel
 keep]1 & !y say x requires a g5ius to  

"k h[ to keep a hotel4 ,y might conduct 
a hotel l clock-"w1 & provide           
satisfactorily = five hundr$ gue/s e    
day2 yet1 if y %\ld locate y\r h\se 9 a 
small village :]e !re is no railroad    
communication or public travel1 !       
location w\ld be y\r ru94 ,x is equally 
important t y d n comm5ce bus9ess :]e   
!re are already en\gh to meet all dem&s 
9 ! same occupation4 ,i rememb] a case  
:i* illu/rates ?is subject4 ,:5 ,i 0 9  
,london 9 #aheh1 ,i 0 pass+ d[n ,holborn
 ) an ,engli% fri5d & came to ! p5ny    
%[s4 ,!y _h imm5se c>toons outside1     
portray+ ! wond]ful curiosities to be   
se5 all = a p5ny4 ,be+ a little 9 ! %[  
l9e myself1 ,i said let u g 9 "h4 ,we   
soon f\nd ourselves 9 ! pres5ce ( !     
illu/ri\s %[man1 & he prov$ to be !     
%>pe/ man 9 t l9e ,i _h ev] met4 ,he    
told u "s extraord9>y /ories 9 ref]5ce  
to 8 be>d$ ladies1 8 ,alb9os1 & 8       
,armadillos1 :i* we c\ld h>dly believe1 
b ?\ght x bett] to believe x ?an look   
aft] ! pro('4 ,he f9ally begg$ to call  

our att5tion to "s wax /atu>y1 & %[$ u a
 lot ( ! dirtie/ & fil?ie/ wax figures  
imag9able4 ,!y look$ z if !y _h n se5   
wat] s9ce ! ,deluge4  ,:at is !re s     
wond]ful ab\t y\r /atu>y8 ,i ask$4  ,i  
beg y n to speak s satirically1 he      
repli$1 ,sir1 ^! are n ,madam ,tussaud's
 wax figures1 all cov]$ ) gilt & t9sel &
 imitation diamonds1 & copi$ f engrav+s 
& photographs4 ,m9e1 sir1 7 tak5 f life4
 ,:5ev] y look ^u "o ( ^? figures1 y may
 consid] t y are look+ ^u ! liv+        
individual4  ,glanc+ casually at !m1 ,i 
saw "o label$ ,h5ry ,,viii1 & feel+ a   
little curi\s ^u see+ t x look$ l ,calv9
 ,edson1 ! liv+ skeleton1 ,i said3 ,d y 
call t ',h5ry ! ,eigh?8' ,he repli$1    
,c]ta9ly2 sir2 x 0 tak5 f life at       
,hampton ,c\rt1 by special ord] ( 8     
maje/y2 on su* a day4  ,he w\ld h giv5 !
 h\r ( ! day if ,i _h resi/$2 ,i said1  
,ev]ybody kn[s t ',h5ry ,,viii4' 0 a    
great /\t old k+1 & t figure is lean &  
lank2 :at d y say to t8  ,:y1 he repli$1
 y w\ld be lean & lank y\rself if y sat 

!re z long z he has4  ,!re 0 no resi/+  
su* argum5ts4 ,i said to my ,engli%     
fri5d1 ,let u g out2 d n tell him :o ,i 
am2 ,i %[ ! :ite fea!r2 he beats me4    
,he foll[$ u to ! door1 & see+ ! rabble 
9 ! /reet1 he call$ out1 ladies &       
g5tlem51 ,i beg to draw y\r att5tion to 
! respectable "* ( my visitors1 po9t+ to
 u z we walk$ away4 ,i call$ ^u him a   
c\ple ( days aft]w>ds2 told him :o ,i 01
 & said3  ,my fri5d1 y are an excell5t  
%[man1 b y h select$ a bad location4    
,he repli$1 ,?is is true1 sir2 ,i feel t
 all my tal5ts are ?r[n away2 b :at c ,i
 d8  ,y c g to ,am]ica1 ,i repli$4 ,y c 
give full play to y\r faculties ov] !re2
 y w f9d pl5ty ( elb[room 9 ,am]ica2 ,i 
w engage y = two ye>s2 aft] t y w be    
able to g on y\r own acc\nt4  ,he       
accept$ my (f] & rema9$ two ye>s 9 my   
,new ,york ,museum4 ,he !n w5t to ,new  
,orleans & c>ri$ on a travel+ %[ bus9ess
 dur+ ! summ]4 ,to-day he is wor? sixty 
?\s& doll>s1 simply because he select$ !
 "r vocation & also secur$ ! prop]      

location4 ,! old prov]b says1 ,?ree     
removes are z bad z a fire1 b :5 a man  
is 9 ! fire1 x matt]s b little h[ soon  
or h[ (t5 he removes4     ,,avoid ,,debt
  ,"y m5 />t+ 9 life %\ld avoid runn+   
into debt4 ,!re is sc>cely any?+ t drags
 a p]son d[n l debt4 ,x is a slavi%     
position to get 91 yet we f9d _m a "y   
man1 h>dly out ( 8 te5s1 runn+ 9 debt4  
,he meets a *um & says1 ,look at ?is3 ,i
 h got tru/$ = a new suit ( clo!s4 ,he  
seems to look ^u ! clo!s z s mu* giv5 to
 him2 well1 x frequ5tly is s1 b1 if he  
succe$s 9 pay+ & !n gets tru/$ aga91 he 
is adopt+ a habit :i* w keep him 9      
pov]ty ?r\gh life4 ,debt robs a man ( 8 
self-respect1 & makes him almo/ despise 
himself4 ,grunt+ & groan+ & work+ = :at 
he has eat5 up or worn out1 & n[ :5 he  
is call$ ^u to pay up1 he has no?+ to %[
 = 8 money2 ?is is prop]ly t]m$ work+ = 
a dead horse4 ,i d n speak ( m]*ants    
buy+ & sell+ on cr$it1 or ( ^? :o buy on
 cr$it 9 ord] to turn ! pur*ase to a    
pr(it4 ,! old ,quak] said to 8 f>m] son1

 ,john1 nev] get tru/$2 b if !e gets    
tru/$ = any?+1 let x be = 'manure1'     
because t w help !e pay x back aga94    
,mr4 ,bee*] advis$ "y m5 to get 9 debt  
if !y c\ld to a small am\nt 9 ! pur*ase 
( l&1 9 ! c\ntry di/ricts4 ,if a "y man1
 he says1 w only get 9 debt = "s l& & !n
 get m>ri$1 ^! two ?+s w keep him       
/raight1 or no?+ w4 ,?is may be safe to 
a limit$ ext5t1 b gett+ 9 debt = :at y  
eat & dr9k & we> is to be avoid$4 ,"s   
families h a fooli% habit ( gett+ cr$it 
at ! /ores1 & ?us frequ5tly pur*ase _m  
?+s :i* might h be5 disp5s$ )4  ,x is   
all v well to say2 ,i h got tru/$ =     
sixty days1 & if ,i don't h ! money !   
cr$itor w ?9k no?+ ab\t x4 ,!re is no   
class ( p 9 ! _w1 :o h su* good memories
 z cr$itors4 ,:5 ! sixty days run out1 y
 w h to pay4 ,if y d n pay1 y w break   
y\r promise1 & probably resort to a     
falsehood4 ,y may make "s excuse or get 
9 debt else:]e to pay x1 b t only       
involves y ! deep]4  ,a good-look+1 lazy
 "y fell[1 0 ! appr5tice boy1 ,horatio4 

,8 employ] said1 ,horatio1 did y ev] see
 a snail8 ,i--?9k--,i--h1 he drawl$ out4
 ,y mu/ h met him !n1 = ,i am sure y    
nev] ov]took "o1 said ! boss4 ,y\r      
cr$itor w meet y or ov]take y & say1    
,n[1 my "y fri5d1 y agre$ to pay me2 y h
 n done x1 y mu/ give me y\r note4 ,y   
give ! note on int]e/ & x comm5ces work+
 aga9/ y2 x is a dead horse4 ,! cr$itor 
goes to b$ at night & wakes up 9 ! morn+
 bett] (f ?an :5 he retir$ to b$1       
because 8 int]e/ has increas$ dur+ !    
night1 b y gr[ poor] :ile y are sleep+1 
= ! int]e/ is accumulat+ aga9/ y4       
,money is 9 "s respects l fire2 x is a v
 excell5t s]vant b a t]rible ma/]4 ,:5 y
 h x ma/]+ y2 :5 int]e/ is con/antly    
pil+ up aga9/ y1 x w keep y d[n 9 ! wor/
 k9d ( slav]y4 ,b let money "w = y1 & y 
h ! mo/ devot$ s]vant 9 ! _w4 ,x is no  
eye-s]vant4 ,!re is no?+ animate or     
inanimate t w "w s fai?fully z money :5 
plac$ at int]e/1 well secur$4 ,x works  
night & day1 & 9 wet or dry wea!r4  ,i 0
 born 9 ! blue-law ,/ate ( ,connecticut1

 :]e ! old ,puritans _h laws s rigid t x
 0 said1 !y f9$ a man = kiss+ 8 wife on 
,sunday4 ,yet ^! ri* old ,puritans w\ld 
h ?\s&s ( doll>s at int]e/1 & on        
,saturday night w\ld be wor? a c]ta9    
am\nt2 on ,sunday !y w\ld g to *ur* &   
p]=m all ! duties ( a ,*ri/ian4 ,on wak+
 up on ,monday morn+1 !y w\ld f9d       
!mselves consid]ably ri*] ?an !         
,saturday night previ\s1 simply because 
_! money plac$ at int]e/ _h work$       
fai?fully = !m all day ,sunday1 accord+ 
to law6  ,d n let x "w aga9/ y2 if y d  
!re is no *ance = success 9 life s f> z 
money is conc]n$4 ,john ,r&olph1 !      
ecc5tric ,virg9ian1 once exclaim$ 9     
,congress1 ,mr4 ,speak]1 ,i h discov]$ !
 philosoph]'s /one3 pay z y g4 ,?is is1 
inde$1 ne>] to ! philosoph]'s /one ?an  
any al*emi/ has ev] yet arriv$4         
,,p]sev]e  ,:5 a man is 9 ! "r pa?1 he  
mu/ p]sev]e4 ,i speak ( ?is because !re 
are "s p]sons :o are born tir$2         
naturally lazy & possess+ no            
self-reliance & no p]sev]ance4 ,b !y c  

cultivate ^! qualities1 z ,davy         
,crockett said3  ,?is ?+ rememb]1 :5 ,i 
am dead3 ,be sure y are "r1 !n g ahead4 
,x is ?is g-aheaditiv5ess1 ?is          
det]m9ation n to let ! horrors or !     
blues take possession ( y1 s z to make y
 relax y\r en]gies 9 ! /ruggle =        
indep5d5ce1 :i* y mu/ cultivate4  ,h[ _m
 h almo/ rea*$ ! goal ( _! ambition1 b1 
los+ fai? 9 !mselves1 h relax$ _!       
en]gies1 & ! gold5 prize has be5 lo/    
=ev]4  ,x is1 no d\bt1 (t5 true1 z      
,%akespe>e says3  ,!re is a tide 9 !    
affairs ( m51 ,:i*1 tak5 at ! flood1    
leads on to =tune4  ,if y hesitate1 "s  
bold] h& w /ret* out be=e y & get !     
prize4 ,rememb] ! prov]b ( ,solomon3 ,he
 become? poor t deale? ) a slack h&2 b !
 h& ( ! dilig5t make? ri*4  ,p]sev]ance 
is sometimes b ano!r ^w = self-reliance4
 ,_m p]sons naturally look on ! d>k side
 ( life1 & borr[ tr\ble4 ,!y are born s4
 ,!n !y ask = advice1 & !y w be gov]n$  
by "o w9d & bl[n by ano!r1 & _c rely ^u 
!mselves4 ,until y c get s t y c rely ^u

 y\rself1 y ne$ n expect to succe$4  ,i 
h kn[n m51 p]sonally1 :o h met )        
pecuni>y rev]ses1 & absolutely committ$ 
suicide1 because !y ?\ght !y c\ld nev]  
ov]come _! mis=tune4 ,b ,i h kn[n o!rs  
:o h met m s]i\s f9ancial difficulties1 
& h bridg$ !m ov] by simple p]sev]ance1 
aid$ by a firm belief t !y 7 do+ ju/ly1 
& t ,provid5ce w\ld ov]come evil ) good4
 ,y w see ?is illu/rat$ 9 any sph]e (   
life4  ,take two g5]als2 bo? und]/&     
milit>y tactics1 bo? educat$ at ,we/    
,po9t1 if y please1 bo? equally gift$2  
yet "o1 hav+ ?is pr9ciple ( p]sev]ance1 
& ! o!r lack+ x1 ! =m] w succe$ 9 8     
pr(ession1 :ile ! latt] w fail4 ,"o may 
he> ! cry1 ! enemy are com+1 & !y h got 
cannon4  ,got cannon8 says ! hesitat+   
g5]al4  ,yes4  ,!n halt e man4  ,he     
wants "t to reflect2 8 hesitation is 8  
ru92 ! enemy passes unmole/$1 or        
ov]:elms him2 :ile on ! o!r h&1 ! g5]al 
( pluck1 p]sev]ance & self-reliance1    
goes into battle ) a w1 &1 amid ! cla% (
 arms1 ! boom+ ( cannon1 ! %rieks ( !   

w\nd$1 & ! moans ( ! dy+1 y w see ?is   
man p]sev]+1 go+ on1 cutt+ & sla%+ 8 way
 ?r\gh ) unwav]+ det]m9ation1 inspir+ 8 
soldi]s to de$s ( =titude1 valor1 &     
triumph4     ,,:atev] ,,y ,,d1 ,,d ,,x  
,,) ,,all ,,y\r ,,might  ,"w at x1 if   
necess>y1 e>ly & late1 9 season & out ( 
season1 n leav+ a /one unturn$1 & nev]  
def]r+ = a s+le h\r t :i* c be done j z 
well n[4 ,! old prov]b is full ( tru? & 
mean+1 ,:atev] is wor? do+ at all1 is   
wor? do+ well4 ,_m a man acquires a     
=tune by do+ 8 bus9ess ?or\ghly1 :ile 8 
neighbor rema9s poor = life1 because he 
only half does x4 ,ambition1 en]gy1     
indu/ry1 p]sev]ance1 are indisp5sable   
requisites = success 9 bus9ess4  ,=tune 
always favors ! brave1 & nev] helps a   
man :o does n help himself4 ,x won't d  
to sp5d y\r "t l ,mr4 ,micawb]1 9 wait+ 
= some?+ to turn up4 ,to su* m5 "o ( two
 ?+s usually turns up3 ! poorh\se or !  
jail2 = idl5ess bre$s bad habits1 &     
clo!s a man 9 rags4 ,! poor sp5d?rift   
vagabond says to a ri* man3  ,i h       

discov]$ !re is en\gh money 9 ! _w = all
 ( u1 if x 0 equally divid$2 ?is mu/ be 
done1 & we %all all be happy toge!r4    
,b1 0 ! response1 if ev]ybody 0 l y1 x  
w\ld be sp5t 9 two mon?s1 & :at w\ld y d
 !n8  ,oh6 divide aga92 keep divid+1 (  
c\rse6  ,i 0 rec5tly read+ 9 a ,london  
pap] an acc\nt ( a l philosophic paup]  
:o 0 kick$ out ( a *eap bo>d+-h\se      
because he c\ld n pay 8 bill1 b he _h a 
roll ( pap]s /ick+ out ( 8 coat pocket1 
:i*1 ^u exam9ation1 prov$ to be 8 plan =
 pay+ (f ! national debt ( ,engl& )\t ! 
aid ( a p5ny4 ,p h got to d z ,cromwell 
said3 n only tru/ 9 ,provid5ce1 b keep !
 p[d] dry4 ,d y\r "p ( ! "w1 or y _c    
succe$4 ,mahomet1 "o night1 :ile encamp+
 9 ! des]t1 ov]he>d "o ( 8 fatigu$      
foll[]s rem>k3 ,i w loose my camel1 &   
tru/ x to ,god6 ,no1 no1 n s1 said !    
prophet1 tie ?y camel1 & tru/ x to ,god6
 ,d all y c = y\rselves1 & !n tru/ to   
,provid5ce1 or luck1 or :atev] y please 
to call x1 = ! re/4  ,,dep5d ,,^u ,,y\r 
,,own ,,p]sonal ,,ex]tions4  ,! eye ( ! 

employ] is (t5 wor? m ?an ! h&s ( a doz5
 employees4 ,9 ! nature ( ?+s1 an ag5t  
_c be s fai?ful to 8 employ] z to       
himself4 ,_m :o are employ]s w call to  
m9d in/ances :]e ! be/ employees h      
ov]look$ important po9ts :i* c\ld n h   
escap$ _! own obs]vation z a proprietor4
 ,no man has a "r to expect to succe$ 9 
life unless he und]/&s 8 bus9ess1 &     
nobody c und]/& 8 bus9ess ?or\ghly      
unless he le>ns x by p]sonal application
 & exp]i5ce4 ,a man may be a            
manufactur]3 he has got to le>n ! _m    
details ( 8 bus9ess p]sonally2 he w le>n
 some?+ e day1 & he w f9d he w make     
mi/akes ne>ly e day4 ,& ^! v mi/akes are
 helps to him 9 ! way ( exp]i5ces if he 
b he$s !m4 ,he w be l ! ,yankee         
t9-p$dl]1 :o1 hav+ be5 *eat$ z to       
quality 9 ! pur*ase ( 8 m]*&ise1 said3  
,all "r1 !re's a little in=mation to be 
ga9$ e day2 ,i w nev] be *eat$ 9 t way  
aga94 ,?us a man buys 8 exp]i5ce1 & x is
 ! be/ k9d if n pur*as$ at too de> a    
rate4  ,i hold t e man %\ld1 l ,cuvi]1 !

 ,fr5* naturali/1 ?or\ghly "k 8 bus9ess4
 ,s pr(ici5t 0 he 9 ! /udy ( natural    
hi/ory1 t y might br+ to him ! bone1 or 
ev5 a section ( a bone ( an animal :i*  
he _h nev] se5 describ$1 &1 reason+ f   
analogy1 he w\ld be able to draw a      
picture ( ! object f :i* ! bone _h be5  
tak54 ,on "o occasion 8 /ud5ts attempt$ 
to deceive him4 ,!y roll$ "o ( _! numb] 
9 a c[ sk9 & put him "u ! pr(essor's    
table z a new specim54 ,:5 ! philosoph] 
came into ! room1 "s ( ! /ud5ts ask$ him
 :at animal x 04 ,sudd5ly ! animal said 
,i am ! devil & ,i am go+ to eat y4 ,x 0
 b natural t ,cuvi] %\ld desire to      
classify ?is creature1 & exam9+ x       
int5tly1 he said3  ,divid$ ho(2         
gram9ivor\s6 ,x _c be done4  ,he knew t 
an animal ) a split ho( mu/ live ^u     
grass & gra91 or o!r k9d ( vegetation1 &
 w\ld n be incl9$ to eat fle%1 dead or  
alive1 s he consid]$ himself p]fectly   
safe4 ,! possession ( a p]fect k ( y\r  
bus9ess is an absolute necessity 9 ord] 
to insure success4  ,among ! maxims ( ! 

eld] ,ro?s*ild 0 "o1 all app>5t p>adox3 
,be cauti\s & bold4 ,?is seems to be a  
contradiction 9 t]ms1 b x is n1 & !re is
 great wisdom 9 ! maxim4 ,x is1 9 fact1 
a cond5s$ /atem5t ( :at ,i h already    
said4 ,x is to say2 y mu/ ex]cise y\r   
caution 9 lay+ y\r plans1 b be bold 9   
c>ry+ !m out4 ,a man :o is all caution1 
w nev] d>e to take hold & be successful2
 & a man :o is all boldness1 is m]ely   
reckless1 & mu/ ev5tually fail4 ,a man  
may g on '*ange & make fifty1 or "o     
hundr$ ?\s& doll>s 9 speculat+ 9 /ocks1 
at a s+le op]ation4 ,b if he has simple 
boldness )\t caution1 x is m]e *ance1 & 
:at he ga9s to-day he w lose to-morr[4  
,y mu/ h bo? ! caution & ! boldness1 to 
insure success4  ,! ,ro?s*ilds h ano!r  
maxim3 ,nev] h any?+ to d ) an unlucky  
man or place4 ,t is to say1 nev] h any?+
 to d ) a man or place :i* nev] succe$s1
 because1 al?\gh a man may appe> to be  
hone/ & intellig5t1 yet if he tries ?is 
or t ?+ & always fails1 x is on acc\nt (
 "s fault or infirmity t y may n be able

 to discov] b nev]!less :i* mu/ exi/4   
,!re is no su* ?+ 9 ! _w z luck4 ,!re   
nev] 0 a man :o c\ld g out 9 ! morn+ &  
f9d a purse full ( gold 9 ! /reet       
to-day1 & ano!r to-morr[1 & s on1 day   
aft] day3 ,he may d s once 9 8 life2 b s
 f> z m]e luck is conc]n$1 he is z      
liable to lose x z to f9d x4 ,l causes  
produce l effects4 ,if a man adopts !   
prop] me?ods to be successful1 luck w n 
prev5t him4 ,if he does n succe$1 !re   
are reasons = x1 al?\gh1 p]haps1 he may 
n be able to see !m4     ,,use ,,! ,,be/
 ,,tools  ,m5 9 engag+ employees %\ld be
 c>eful to get ! be/4 ,und]/&1 y _c h   
too good tools to "w )1 & !re is no tool
 y %\ld be s p>ticul> ab\t z liv+ tools4
 ,if y get a good "o1 x is bett] to keep
 him1 ?an keep *ang+4 ,he le>ns some?+ e
 day2 & y are b5efit$ by ! exp]i5ce he  
acquires4 ,he is wor? m to y ?is ye> ?an
 la/1 & he is ! la/ man to "p )1 provid$
 8 habits are good1 & he cont9ues       
fai?ful4 ,if1 z he gets m valuable1 he  
dem&s an exorbitant increase ( sal>y2 on

 ! supposition t y c't d )\t him1 let   
him g4 ,:5ev] ,i h su* an employee1 ,i  
always dis*>ge him2 fir/1 to conv9ce him
 t 8 place may be suppli$1 & second1    
because he is good = no?+ if he ?9ks he 
is invaluable & _c be sp>$4  ,b ,i w\ld 
keep him1 if possible1 9 ord] to pr(it f
 ! result ( 8 exp]i5ce4 ,an important   
elem5t 9 an employee is ! bra94 ,y c see
 bills up1 ,h&s ,want$1 b h&s are n wor?
 a great deal )\t heads4 ,mr4 ,bee*]    
illu/rates ?is1 9 ?is wise3  ,an        
employee (f]s 8 s]vices by sav+1 ,i h a 
pair ( h&s & "o ( my f+]s ?9ks4 ,t is v 
good1 says ! employ]4 ,ano!r man comes  
along1 & says he has two f+]s t ?9k4    
,ah6 t is bett]4 ,b a ?ird calls 9 &    
says t all 8 f+]s & ?umbs ?9k4 ,t is    
bett] /ill4 ,f9ally ano!r /eps 9 & says1
 ,i h a bra9 t ?9ks2 ,i ?9k all ov]2 ,i 
am a ?9k+ z well z a work+ man6 ,y are !
 man ,i want1 says ! delight$ employ]4  
,^? m5 :o h bra9s & exp]i5ce are !re=e !
 mo/ valuable & n to be readily p>t$ )2 
x is bett] = !m1 z well z y\rself1 to   

keep !m1 at reasonable advances 9 _!    
sal>ies f "t to "t4     ,,don',t ,,get  
,,above ,,y\r ,,bus9ess  ,"y m5 aft] !y 
get ?r\gh _! bus9ess tra9+1 or          
appr5tice%ip1 in/ead ( pursu+ _!        
avocation & ris+ 9 _! bus9ess1 w (t5 lie
 ab\t do+ no?+4 ,!y say2 ,i h le>n$ my  
bus9ess1 b ,i am n go+ to be a hirel+2  
:at is ! object ( le>n+ my trade or     
pr(ession1 unless ,i e/abli% myself8'   
,h y capital to />t )8  ,no1 b ,i am go+
 to h x4  ,h[ are y go+ to get x8  ,i w 
tell y confid5tially2 ,i h a weal?y old 
aunt1 & %e w die pretty soon2 b if %e   
does n1 ,i expect to f9d "s ri* old man 
:o w l5d me a few ?\s&s to give me a    
/>t4 ,if ,i only get ! money to />t ) ,i
 w d well4  ,!re is no great] mi/ake ?an
 :5 a "y man believes he w succe$ )     
borr[$ money4 ,:y8 ,because e man's     
exp]i5ce co9cides ) t ( ,mr4 ,a/or1 :o  
said1 x 0 m difficult = him to          
accumulate 8 fir/ ?\s& doll>s1 ?an all !
 succe$+ millions t made up 8 colossal  
=tune4 ,money is good = no?+ unless y "k

 ! value ( x by exp]i5ce4 ,give a boy   
tw5ty ?\s& doll>s & put him 9 bus9ess1 &
 ! *ances are t he w lose e doll> ( x   
be=e he is a ye> old]4 ,l buy+ a ticket 
9 ! lott]y2 & draw+ a prize1 x is easy  
come1 easy g4 ,he does n "k ! value ( x2
 no?+ is wor? any?+1 unless x co/s ef=t4
 ,)\t self-d5ial & economy2 pati5ce &   
p]sev]ance1 & comm5c+ ) capital :i* y h 
n e>n$1 y are n sure to succe$ 9        
accumulat+4 ,"y m51 in/ead ( wait+ =    
dead m5's %oes1 %\ld be up & do+1 = !re 
is no class ( p]sons :o are s           
unaccommodat+ 9 reg>d to dy+ z ^! ri*   
old p1 & x is =tunate = ! expectant     
heirs t x is s4 ,n9e out ( t5 ( ! ri* m5
 ( our c\ntry to-day1 />t$ out 9 life z 
poor boys1 ) det]m9$ wills1 indu/ry1    
p]sev]ance1 economy & good habits4 ,!y  
w5t on gradually1 made _! own money &   
sav$ x2 & ?is is ! be/ way to acquire a 
=tune4 ,/eph5 ,gir>d />t$ life z a poor 
cab9 boy1 & di$ wor? n9e million doll>s4
 ,a4,t4 ,/ew>t 0 a poor ,iri% boy2 & he 
paid taxes on a million & a half doll>s 

( income1 p] ye>4 ,john ,jacob ,a/or 0 a
 poor f>m] boy1 & di$ wor? tw5ty        
millions4 ,cornelius ,v&]bilt began life
 r[+ a boat f ,/at5 ,isl& to ,new ,york2
 he pres5t$ our gov]nm5t ) a /eam%ip    
wor? a million ( doll>s1 & di$ wor?     
fifty million4 ,!re is no royal road to 
le>n+1 says ! prov]b1 & ,i may say x is 
equally true1 !re is no royal road to   
weal?4 ,b ,i ?9k !re is a royal road to 
bo?4 ,! road to le>n+ is a royal "o2 !  
road t enables ! /ud5t to exp& 8        
intellect & add e day to 8 /ock ( k1    
until1 9 ! pleasant process (           
intellectual gr[?1 he is able to solve !
 mo/ pr(\nd problems1 to c\nt ! />s1 to 
analyze e atom ( ! globe1 & to measure !
 firmam5t ?is is a regal highway1 & x is
 ! only road wor? travel+4  ,s 9 reg>d  
to weal?4 ,g on 9 confid5ce1 /udy !     
rules1 & above all ?+s1 /udy human      
nature2 = ! prop] /udy ( mank9d is man1 
& y w f9d t :ile exp&+ ! intellect & !  
muscles1 y\r enl>g$ exp]i5ce w enable y 
e day to accumulate m & m pr9cipal1 :i* 

w increase itself by int]e/ & o!rwise1  
until y arrive at a /ate ( indep5d5ce4  
,y w f9d1 z a g5]al ?+1 t ! poor boys   
get ri* & ! ri* boys get poor4 ,=       
in/ance1 a ri* man at 8 decease1 leaves 
a l>ge e/ate to 8 family4 ,8 elde/ sons1
 :o h help$ him e>n 8 =tune1 "k by      
exp]i5ce ! value ( money2 & !y take _!  
inh]itance & add to x4 ,! sep>ate       
portions ( ! "y *ildr5 are plac$ at     
int]e/1 & ! little fell[s are patt$ on !
 head1 & told a doz5 times a day1 y are 
ri*2 y w nev] h to "w1 y c always h     
:atev] y wi%1 = y 7 born ) a gold5 spoon
 9 y\r m\?4 ,! "y heir soon f9ds out :at
 t means2 he has ! f9e/ dresses &       
play?+s2 he is cramm$ ) sug> c&ies &    
almo/ kill$ ) k9dness1 & he passes f    
s*ool to s*ool1 pett$ & flatt]$4 ,he    
becomes arrogant & self-conceit$1 abuses
 8 tea*]s1 & c>ries ev]y?+ ) a high h&4 
,he kn[s no?+ ( ! real value ( money1   
hav+ nev] e>n$ any2 b he kn[s all ab\t !
 gold5 spoon bus9ess4 ,at college1 he   
invites 8 poor fell[-/ud5ts to 8 room1  

:]e he w9es & d9es !m4 ,he is cajol$ &  
c>ess$1 & call$ a glori\s good foll[1   
because he is s lavi% ( 8 money4 ,he    
gives 8 game supp]s1 drives 8 fa/       
horses1 invites 8 *ums to fetes &       
p>ties1 det]m9$ to h lots ( good times4 
,he sp5ds ! night 9 frolics & debau*]y1 
& leads (f 8 companions ) ! famili>     
song1 we won't g home till morn+4 ,he   
gets !m to jo9 him 9 pull+ d[n signs1   
tak+ gates f _! h+es & ?r[+ !m into back
 y>ds & horse-ponds4 ,if ! police arre/ 
!m1 he knocks !m d[n1 is tak5 to !      
lockup1 & joyfully foots ! bills4  ,ah6 
my boys1 he cries1 :at is ! use ( be+   
ri*1 if y c't enjoy y\rself8  ,he might 
m truly say1 if y c't make a fool (     
y\rself2 b he is fa/1 hates sl[ ?+s1 &  
doesn't see x4 ,"y m5 load$ d[n ) o!r   
p's money are almo/ sure to lose all !y 
inh]it1 & !y acquire all sorts ( bad    
habits :i*1 9 ! majority ( cases1 ru9 !m
 9 heal?1 purse & "*4 ,9 ?is c\ntry1 "o 
g5]ation foll[s ano!r1 & ! poor ( to-day
 are ri* 9 ! next g5]ation1 or ! ?ird4  

,_! exp]i5ce leads !m on1 & !y become   
ri*1 & !y leave va/ ri*es to _! "y      
*ildr54 ,^! *ildr51 hav+ be5 re>$ 9     
luxury1 are inexp]i5c$ & get poor2 &    
aft] long exp]i5ce ano!r g5]ation comes 
on & ga!rs up ri*es aga9 9 turn4 ,& ?us 
hi/ory repeats itself1 & happy is he :o 
by li/5+ to ! exp]i5ce ( o!rs avoids !  
rocks & %oals on :i* s _m h be5 wreck$4 
,9 ,engl&1 ! bus9ess makes ! man4 ,if a 
man 9 t c\ntry is a me*anic or          
work+-man1 he is n recogniz$ z a        
g5tleman4 ,on ! occasion ( my fir/      
appe>ance be=e ,que5 ,victoria1 ! ,duke 
( ,well+ton ask$ me :at sph]e 9 life    
,g5]al ,tom ,?umb's p>5ts 7 94  ,8 fa!r 
is a c>p5t]1 ,i repli$4  ,oh6 ,i _h he>d
 he 0 a g5tleman1 0 ! response ( ,8     
,grace4  ,9 ?is ,republican c\ntry1 !   
man makes ! bus9ess4 ,no matt] :e!r he  
is a blacksmi?1 a %oemak]1 a f>m]1 bank]
 or lawy]1 s long z 8 bus9ess is        
legitimate1 he may be a g5tleman4 ,s any
 legitimate bus9ess is a d\ble bless+ x 
helps ! man engag$ 9 x1 & also helps    

o!rs4 ,! ,f>m] supports 8 own family1 b 
he also b5efits ! m]*ant or me*anic :o  
ne$s ! products ( 8 f>m4 ,! tailor n    
only makes a liv+ by 8 trade1 b he also 
b5efits ! f>m]1 ! cl]gyman & o!rs :o _c 
make _! own clo?+4 ,b all ^! classes (t5
 may be g5tlem54  ,! great ambition %\ld
 be to excel all o!rs engag$ 9 ! same   
occupation4  ,! college-/ud5t :o 0 ab\t 
graduat+1 said to an old lawy]3  ,i h n 
yet decid$ :i* pr(ession ,i w foll[4 ,is
 y\r pr(ession full8  ,! basem5t is mu* 
cr[d$1 b !re is pl5ty ( room up-/airs1 0
 ! witty & tru?ful reply4  ,no          
pr(ession1 trade1 or call+1 is ov]cr[d$ 
9 ! upp] /ory4 ,:]ev] y f9d ! mo/ hone/ 
& intellig5t m]*ant or bank]1 or ! be/  
lawy]1 ! be/ doctor1 ! be/ cl]gyman1 !  
be/ %oemak]1 c>p5t]1 or any?+ else1 t   
man is mo/ s\ght =1 & has always en\gh  
to d4 ,z a nation1 ,am]icans are too    
sup]ficial--!y are /riv+ to get ri*     
quickly1 & d n g5]ally d _! bus9ess z   
sub/antially & ?or\ghly z !y %\ld1 b    
:oev] excels all o!rs 9 8 own l9e1 if 8 

habits are good & 8 integrity und\bt$1  
_c fail to secure abundant patronage1 & 
! weal? t naturally foll[s4 ,let y\r    
motto !n always be ,excelsior1 = by liv+
 up to x !re is no su* ^w z fail4       
,,le>n ,,some?+ ,,useful  ,e man %\ld   
make 8 son or daught] le>n "s useful    
trade or pr(ession1 s t 9 ^! days (     
*ang+ =tunes ( be+ ri* to-day & poor    
tomorr[ !y may h some?+ tangible to fall
 back ^u4 ,?is provision might save _m  
p]sons f mis]y1 :o by "s unexpect$ turn 
( =tune h lo/ all _! means4     ,,let   
,,hope ,,pr$om9ate1 ,,b ,,be ,,n ,,too  
,,vision>y  ,_m p]sons are always kept  
poor1 because !y are too vision>y4 ,e   
project looks to !m l c]ta9 success1 &  
!re=e !y keep *ang+ f "o bus9ess to     
ano!r1 always 9 hot wat]1 always "u !   
h>r[4 ,! plan ( c\nt+ ! *ick5s be=e !y  
are hat*$ is an error ( anci5t date1 b x
 does n seem to improve by age4     ,,d 
,,n ,,scatt] ,,y\r ,,p[]s  ,engage 9 "o 
k9d ( bus9ess only1 & /ick to x         
fai?fully until y succe$1 or until y\r  

exp]i5ce %[s t y %\ld ab&on x4 ,a       
con/ant hamm]+ on "o nail w g5]ally     
drive x home at la/1 s t x c be cl9*$4  
,:5 a man's undivid$ att5tion is c5t]$  
on "o object1 8 m9d w con/antly be      
sugge/+ improvem5ts ( value1 :i* w\ld   
escape him if 8 bra9 0 occupi$ by a doz5
 diff]5t subjects at once4 ,_m a =tune  
has slipp$ ?r\gh a man's f+]s because he
 0 engag$ 9 too _m occupations at a "t4 
,!re is good s5se 9 ! old caution aga9/ 
hav+ too _m irons 9 ! fire at once4     
,,be ,,sy/ematic  ,m5 %\ld be sy/ematic 
9 _! bus9ess4 ,a p]son :o does bus9ess  
by rule1 hav+ a "t & place = ev]y?+1 do+
 8 "w promptly1 w accompli% twice z mu* 
& ) half ! tr\ble ( him :o does x       
c>elessly & slip%od4 ,by introduc+ sy/em
 into all y\r transactions1 do+ "o ?+ at
 a "t1 always meet+ appo9tm5ts )        
punctuality1 y f9d leisure = pa/ime &   
recreation2 :]eas ! man :o only half    
does "o ?+1 & !n turns to some?+ else1 &
 half does t1 w h 8 bus9ess at loose    
ends1 & w nev] "k :5 8 day's "w is done1

 = x nev] w be done4 ,( c\rse1 !re is a 
limit to all ^! rules4 ,we mu/ try to   
pres]ve ! happy m$ium1 = !re is su* a ?+
 z be+ too sy/ematic4 ,!re are m5 &     
wom51 = in/ance1 :o put away ?+s s      
c>efully t !y c nev] f9d !m aga94 ,x is 
too mu* l ! r$ tape =mality at ,wa%+ton1
 & ,mr4 ,dick5s' ,circumlocution        
,(fice1--all !ory & no result4  ,:5 !   
,a/or ,h\se 0 fir/ />t$ 9 ,new ,york    
city1 x 0 und\bt$ly ! be/ hotel 9 !     
c\ntry4 ,! proprietors _h le>n$ a good  
deal 9 ,europe reg>d+ hotels1 & !       
l&lords 7 pr\d ( ! rigid sy/em :i*      
p]vad$ e dep>tm5t ( _! great e/abli%m5t4
 ,:5 twelve o'clock at night _h arriv$1 
& !re 7 a numb] ( gue/s ar\nd1 "o ( !   
proprietors w\ld say1 ,t\* t bell1      
,john2 & 9 two m9utes sixty s]vants1 ) a
 wat]-bucket 9 ea* h&1 w\ld pres5t      
!mselves 9 ! hall4 ,?is1 said ! l&lord1 
address+ 8 gue/s1 is our fire-bell2 x w 
%[ y we are q safe "h2 we d ev]y?+      
sy/ematically4 ,?is 0 be=e ! ,croton    
wat] 0 introduc$ into ! city4 ,b !y     

sometimes c>ri$ _! sy/em too f>4 ,on "o 
occasion1 :5 ! hotel 0 ?rong$ ) gue/s1  
"o ( ! wait]s 0 sudd5ly indispos$1 &    
al?\gh !re 7 fifty wait]s 9 ! hotel1 !  
l&lord ?\ght he mu/ h 8 full complem5t1 
or 8 sy/em w\ld be int]f]$ )4 ,j be=e   
d9n]-"t1 he ru%$ d[n /airs & said1 ,!re 
mu/ be ano!r wait]1 ,i am "o wait] %ort1
 :at c ,i d8 ,he happ5$ to see ,boots1 !
 ,iri%man4 ,pat1 said he1 wa% y\r h&s & 
face2 take t :ite apron & come into !   
d9+-room 9 five m9utes4 ,pres5tly ,pat  
appe>$ z requir$1 & ! proprietor said3  
,n[ ,pat1 y mu/ /& beh9d ^! two *airs1 &
 wait on ! g5tlem5 :o w occupy !m2 did y
 ev] act z a wait]8  ,i "k all ab\t x1  
sure1 b ,i nev] did x4  ,l ! ,iri%      
pilot1 on "o occasion :5 ! capta91 ?9k+ 
he 0 consid]ably out ( 8 c\rse1 ask$1   
,are y c]ta9 y und]/& :at y are do+8    
,pat repli$1 ,sure & ,i kn[s e rock 9 ! 
*annel4  ,t mom5t1 bang ?ump$ ! vessel  
aga9/ a rock4  ,ah6 be-jab]s1 & t is "o 
( 'em1 cont9u$ ! pilot4 ,b to return to 
! d9+-room4 ,pat1 said ! l&lord1 "h we d

 ev]y?+ sy/ematically4 ,y mu/ fir/ give 
! g5tlem5 ea* a plate ( s\p1 & :5 !y    
f9i% t1 ask !m :at !y w h next4  ,pat   
repli$1 ,ah6 an' ,i und]/& p>fectly !   
v>tues ( %y/em4  ,v soon 9 came ! gue/s4
 ,! plates ( s\p 7 plac$ be=e !m4 ,"o ( 
,pat's two g5tlem5 ate 8 s\p2 ! o!r did 
n c>e = x4 ,he said3 ,wait]1 take ?is   
plate away & br+ me "s fi%4 ,pat look$  
at ! unta/$ plate ( s\p1 & rememb]+ !   
in/ructions ( ! l&lord 9 reg>d to sy/em1
 repli$3 ,n till ye h ate y] supe6  ,(  
c\rse t 0 c>ry+ sy/em entirely too f>4  
,,read ,,! ,,newspap]s  ,always take a  
tru/wor?y newspap]1 & ?us keep ?or\ghly 
po/$ 9 reg>d to ! transactions ( ! _w4  
,he :o is )\t a newspap] is cut (f f 8  
species4 ,9 ^! days ( telegraphs & /eam1
 _m important inv5tions & improvem5ts 9 
e bran* ( trade are be+ made1 & he :o   
don't consult ! newspap]s w soon f9d    
himself & 8 bus9ess left out 9 ! cold4  
,,bew>e ,,( ,,outside ,,op]ations  ,we  
sometimes see m5 :o h obta9$ =tunes1    
sudd5ly become poor4 ,9 _m cases1 ?is   

arises f intemp]ance1 & (t5 f gam+1 &   
o!r bad habits4 ,frequ5tly x occurs     
because a man has be5 engag$ 9 outside  
op]ations1 ( "s sort4 ,:5 he gets ri* 9 
8 legitimate bus9ess1 he is told ( a gr&
 speculation :]e he c make a score (    
?\s&s4 ,he is con/antly flatt]$ by 8    
fri5ds1 :o tell him t he is born lucky1 
t ev]y?+ he t\*es turns into gold4 ,n[  
if he =gets t 8 economical habits1 8    
rectitude ( conduct & a p]sonal att5tion
 to a bus9ess :i* he und]/ood1 caus$ 8  
success 9 life1 he w li/5 to ! sir5     
voices4 ,he says3  ,i w put 9 tw5ty ?\s&
 doll>s4 ,i h be5 lucky1 & my good luck 
w soon br+ me back sixty ?\s& doll>s4   
,a few days elapse & x is discov]$ he   
mu/ put 9 t5 ?\s& doll>s m3 soon aft] he
 is told x is all "r1 b c]ta9 matt]s n  
=ese51 require an advance ( tw5ty ?\s&  
doll>s m1 :i* w br+ him a ri* h>ve/2 b  
be=e ! "t comes ar\nd to realize1 !     
bubble bur/s1 he loses all he is        
possess$ (1 & !n he le>ns :at he ought  
to h kn[n at ! fir/1 t h[ev] successful 

a man may be 9 8 own bus9ess1 if he     
turns f t & engages ill a bus9ess :i* he
 don't und]/&1 he is l ,samson :5 %orn (
 8 locks 8 /r5g? has dep>t$1 & he       
becomes l o!r m54  ,if a man has pl5ty (
 money1 he ought to inve/ some?+ 9      
ev]y?+ t appe>s to promise success1 & t 
w probably b5efit mank9d2 b let ! sums  
?us inve/$ be mod]ate 9 am\nt1 & nev]   
let a man fooli%ly jeop>dize a =tune t  
he has e>n$ 9 a legitimate way1 by      
inve/+ x 9 ?+s 9 :i* he has _h no       
exp]i5ce4     ,,don',t ,,indorse ,,)\t  
,,security  ,i hold t no man ought ev]  
to indorse a note or become security1 = 
any man1 be x 8 fa!r or bro!r1 to a     
great] ext5t ?an he c af=d to lose & c>e
 no?+ ab\t1 )\t tak+ good security4 ,"h 
is a man t is wor? tw5ty ?\s& doll>s2 he
 is do+ a ?riv+ manufactur+ or m]cantile
 trade2 y are retir$ & liv+ on y\r      
money2 he comes to y & says3  ,y are    
aw>e t ,i am wor? tw5ty ?\s& doll>s1 &  
don't owe a doll>2 if ,i _h five ?\s&   
doll>s 9 ca%1 ,i c\ld pur*ase a p>ticul>

 lot ( goods & d\ble my money 9 a c\ple 
( mon?s2 w y indorse my note = t am\nt8 
,y reflect t he is wor? tw5ty ?\s&      
doll>s1 & y incur no risk by endors+ 8  
note2 y l to accommodate him1 & y l5d   
y\r "n )\t tak+ ! precaution ( gett+    
security4 ,%ortly aft]1 he %[s y ! note 
) y\r endorsem5t cancel$1 & tells y1    
probably truly1 t he made ! pr(it t he  
expect$ by ! op]ation1 y reflect t y h  
done a good action1 & ! ?\ght makes y   
feel happy4 ,by & by1 ! same ?+ occurs  
aga9 & y d x aga92 y h already fix$ !   
impression 9 y\r m9d t x is p]fectly    
safe to indorse 8 notes )\t security4   
,b ! tr\ble is1 ?is man is gett+ money  
too easily4 ,he has only to take y\r    
note to ! bank1 get x disc\nt$ & take ! 
ca%4 ,he gets money = ! "t be+ )\t ef=t2
 )\t inconv5i5ce to himself4 ,n[ m>k !  
result4 ,he sees a *ance = speculation  
outside ( 8 bus9ess4 ,a tempor>y        
inve/m5t ( only #aj1jjj is requir$4 ,x  
is sure to come back be=e a note at !   
bank w\ld be due4 ,he places a note = t 

am\nt be=e y4 ,y sign x almo/           
me*anically4 ,be+ firmly conv9c$ t y\r  
fri5d is responsible & tru/wor?y2 y     
indorse 8 notes z a matt] ( c\rse4      
,un=tunately ! speculation does n come  
to a head q s soon z 0 expect$1 & ano!r 
#aj1jjj note mu/ be disc\nt$ to take up 
! la/ "o :5 due4 ,be=e ?is note matures 
! speculation has prov$ an utt] failure 
& all ! money is lo/4 ,does ! los] tell 
8 fri5d1 ! endors]1 t he has lo/ half ( 
8 =tune8 ,n at all4 ,he don't ev5 m5tion
 t he has speculat$ at all4 ,b he has   
got excit$2 ! _s ( speculation has seiz$
 him2 he sees o!rs mak+ l>ge sums 9 ?is 
way 7we seldom he> ( ! los]s71 &1 l o!r 
speculators1 he looks = 8 money :]e he  
loses x4 ,he tries aga94 endors+ notes  
has become *ronic ) y1 & at e loss he   
gets y\r signature = :atev] am\nt he    
wants4 ,f9ally y discov] y\r fri5d has  
lo/ all ( 8 prop]ty & all ( y\rs4 ,y are
 ov]:elm$ ) a/oni%m5t & grief1 & y say x
 is a h>d ?+2 my fri5d "h has ru9$ me1  
b1 y %\ld add1 ,i h also ru9$ him4 ,if y

 _h said 9 ! fir/ place1 ,i w           
accommodate y1 b ,i nev] indorse )\t    
tak+ ample security1 he c\ld n h gone   
beyond ! l5g? ( 8 te!r1 & he w\ld nev] h
 be5 tempt$ away f 8 legitimate bus9ess4
 ,x is a v dang]\s ?+1 !re=e1 at any "t1
 to let p get possession ( money too    
easily2 x tempts !m to haz>d\s          
speculations1 if no?+ m4 ,solomon truly 
said he t hate? sureti%ip is sure4  ,s )
 ! "y man />t+ 9 bus9ess2 let him und]/&
 ! value ( money by e>n+ x4 ,:5 he does 
und]/& its value1 !n grease ! :eels a   
little 9 help+ him to />t bus9ess1 b    
rememb]1 m5 :o get money ) too great    
facility _c usually succe$4 ,y mu/ get !
 fir/ doll>s by h>d knocks1 & at "s     
sacrifice1 9 ord] to appreciate ! value 
( ^? doll>s4     ,,adv]tise ,,y\r       
,,bus9ess  ,we all dep5d1 m or less1 ^u 
! public = our support4 ,we all trade ) 
! public--lawy]s1 doctors1 %oemak]s1    
arti/s1 blacksmi?s1 %[m51 op]a /ag]s1   
railroad presid5ts1 & college pr(essors4
 ,^? :o deal ) ! public mu/ be c>eful t 

_! goods are valuable2 t !y are g5u9e1 &
 w give satisfaction4 ,:5 y get an      
article :i* y "k is go+ to please y\r   
cu/om]s1 & t :5 !y h tri$ x1 !y w feel  
!y h got _! money's wor?1 !n let ! fact 
be kn[n t y h got x4 ,be c>eful to      
adv]tise x 9 "s %ape or o!r because x is
 evid5t t if a man has ev] s good an    
article = sale1 & nobody kn[s x1 x w br+
 him no return4 ,9 a c\ntry l ?is1 :]e  
ne>ly ev]ybody reads1 & :]e newspap]s   
are issu$ & circulat$ 9 editions ( five 
?\s& to two hundr$ ?\s&1 x w\ld be v    
unwise if ?is *annel 0 n tak5 advantage 
( to rea* ! public 9 adv]tis+4 ,a       
newspap] goes into ! family1 & is read  
by wife & *ildr51 z well z ! head ( !   
home2 h5ce hundr$s & ?\s&s ( p may read 
y\r adv]tisem5t1 :ile y are att5d+ to   
y\r r\t9e bus9ess4 ,_m1 p]haps1 read x  
:ile y are asleep4 ,! :ole philosophy ( 
life is1 fir/ s[1 !n reap4 ,t is ! way !
 f>m] does2 he plants 8 potatoes & corn1
 & s[s 8 gra91 & !n goes ab\t some?+    
else1 & ! "t comes :5 he reaps4 ,b he   

nev] reaps fir/ & s[s aft]w>ds4 ,?is    
pr9ciple applies to all k9ds ( bus9ess1 
& to no?+ m em95tly ?an to adv]tis+4 ,if
 a man has a g5u9e article1 !re is no   
way 9 :i* he c reap m advantage\sly ?an 
by s[+ to ! public 9 ?is way4 ,he mu/1 (
 c\rse1 h a really good article1 & "o   
:i* w please 8 cu/om]s2 any?+ spuri\s w 
n succe$ p]man5tly because ! public is  
wis] ?an _m imag9e4 ,m5 & wom5 are      
selfi%1 & we all pref] pur*as+ :]e we c 
get ! mo/ = our money & we try to f9d   
out :]e we c mo/ surely d s4  ,y may    
adv]tise a spuri\s article1 & induce _m 
p to call & buy x once1 b !y w d5\nce y 
z an impo/or & sw9dl]1 & y\r bus9ess w  
gradually die out & leave y poor4 ,?is  
is "r4 ,few p c safely dep5d ^u *ance   
cu/om4 ,y all ne$ to h y\r cu/om]s      
return & pur*ase aga94 ,a man said to   
me1 ,i h tri$ adv]tis+ & did n succe$2  
yet ,i h a good article4  ,i repli$1 ,my
 fri5d1 !re may be exceptions to a g5]al
 rule4 ,b h[ d y adv]tise8  ,i put x 9 a
 weekly newspap] ?ree times1 & paid a   

doll> & a half = x4 ,i repli$3 ,sir1    
adv]tis+ is l le>n+--'a little is a     
dang]\s ?+6'  ,a ,fr5* writ] says t ,!  
read] ( a newspap] does n see ! fir/    
m5tion ( an ord9>y adv]tisem5t2 ! second
 ins]tion he sees1 b does n read2 ! ?ird
 ins]tion he reads2 ! f\r? ins]tion1 he 
looks at ! price2 ! fif? ins]tion1 he   
speaks ( x to 8 wife2 ! six? ins]tion1  
he is ready to pur*ase1 & ! sev5?       
ins]tion1 he pur*ases4 ,y\r object 9    
adv]tis+ is to make ! public und]/& :at 
y h got to sell1 & if y h n ! pluck to  
keep adv]tis+1 until y h imp>t$ t       
in=mation1 all ! money y h sp5t is lo/4 
,y are l ! fell[ :o told ! g5tleman if  
he w\ld give him t5 c5ts x w\ld save him
 a doll>4 ,h[ c ,i help y s mu* ) s     
small a sum8 ask$ ! g5tleman 9 surprise4
 ,i />t$ out ?is morn+ 7hiccup$ ! fell[7
 ) ! full det]m9ation to get drunk1 & ,i
 h sp5t my only doll> to accompli% !    
object1 & x has n q done x4 ,t5 c5ts    
wor? m ( :iskey w\ld j d x1 & 9 ?is     
mann] ,i %\ld save ! doll> already      

exp5d$4  ,s a man :o adv]tises at all   
mu/ keep x up until ! public "k :o & :at
 he is1 & :at 8 bus9ess is1 or else !   
money inve/$ 9 adv]tis+ is lo/4  ,"s m5 
h a peculi> g5ius = writ+ a /rik+       
adv]tisem5t1 "o t w arre/ ! att5tion ( !
 read] at fir/ sight4 ,?is fact1 (      
c\rse1 gives ! adv]tis] a great         
advantage4 ,sometimes a man makes       
himself popul> by an unique sign or a   
curi\s display 9 8 w9d[1 rec5tly ,i     
obs]v$ a sw+ sign ext5d+ ov] ! sidewalk 
9 front ( a /ore1 on :i* 0 ! inscription
 9 pla9 lett]s1     ,,don',t ,,read ,,! 
,,o!r ,,side  ,( c\rse ,i did1 & s did  
ev]ybody else1 & ,i le>n$ t ! man _h    
made all indep5d5ce by fir/ attract+ !  
public to 8 bus9ess 9 t way & !n us+ 8  
cu/om]s well aft]w>ds4  ,g591 ! hatt]1  
b\ght ! fir/ ,j5ny ,l9d ticket at       
auction = two hundr$ & tw5ty-five       
doll>s1 because he knew x w\ld be a good
 adv]tisem5t = him4 ,:o is ! bidd]8 said
 ! auctione]1 z he knock$ d[n t ticket  
at ,ca/le ,g>d54 ,g591 ! hatt]1 0 !     

response4 ,"h 7 ?\s&s ( p f ! ,fif?     
av5ue1 & f di/ant cities 9 ! highe/     
/ations 9 life4 ,:o is ',g591' ! hatt]8 
!y exclaim$4 ,!y _h nev] he>d ( him     
be=e4 ,! next morn+ ! newspap]s &       
telegraph _h circulat$ ! facts f ,ma9e  
to ,texas1 & f five to t5 millions (f p 
_h read t ! tickets sold at auction ,=  
,j5ny ,l9d's fir/ conc]t am\nt$ to ab\t 
tw5ty ?\s& doll>s1 & t a s+le ticket 0  
sold at two hundr$ & tw5ty-five doll>s1 
to ,g591 ! hatt]4 ,m5 ?r\gh\t ! c\ntry  
involunt>ily took (f _! hats to see if  
!y _h a ,g59 hat on _! heads4 ,at a t[n 
9 ,i[a x 0 f\nd t 9 ! cr[d ar\nd ! po/  
(fice1 !re 0 "o man :o _h a ,g59 hat1 & 
he %[$ x 9 triumph1 al?\gh x 0 worn out 
& n wor? two c5ts4 ,:y1 "o man exclaim$1
 y h a real ',g59' hat2 :at a lucky     
fell[ y are4 ,ano!r man said1 ,hang on  
to t hat1 x w be a valuable heir-loom 9 
y\r family4 ,/ill ano!r man 9 ! cr[d :o 
seem$ to envy ! possessor ( ?is good    
=tune1 said1 ,come1 give u all a *ance2 
put x up at auction6 ,he did s1 & x 0   

sold z a keepsake = n9e doll>s & fifty  
c5ts6 ,:at 0 ! consequ5ce to ,mr4 ,g598 
,he sold t5 ?\s& extra hats p] annum1 ! 
fir/ six ye>s4 ,n9e-t5?s ( ! pur*as]s   
b\ght ( him1 probably1 out ( curiosity1 
& _m ( !m1 f9d+ t he gave !m an         
equival5t = _! money1 became 8 regul>   
cu/om]s4 ,?is novel adv]tisem5t fir/    
/ruck _! att5tion1 & !n1 z he made a    
good article1 !y came aga94  ,n[ ,i     
don't say t ev]ybody %\ld adv]tise z    
,mr4 ,g59 did4 ,b ,i say if a man has   
got goods = sale1 & he don't adv]tise !m
 9 "s way1 ! *ances are t "s day ! %]iff
 w d x = him4 ,nor d ,i say t ev]ybody  
mu/ adv]tise 9 a newspap]1 or inde$ use 
pr9t]s' ink at all4 ,on ! contr>y1      
al?\gh t article is indisp5sable 9 !    
majority ( cases1 yet doctors & cl]gym51
 & sometimes lawy]s & "s o!rs1 c m      
effectually rea* ! public 9 "s o!r      
mann]4 ,b x is obvi\s1 !y mu/ be kn[n 9 
"s way1 else h[ c\ld !y be support$8    
,,be ,,polite ,,& ,,k9d ,,to ,,y\r      
,,cu/om]s  ,polit5ess & civility are !  

be/ capital ev] inve/$ 9 bus9ess4 ,l>ge 
/ores1 gilt signs1 flam+ adv]tisem5ts1 w
 all prove unavail+ if y or y\r         
employees treat y\r patrons abruptly4 ,!
 tru? is1 ! m k9d & lib]al a man is1 ! m
 g5]\s w be ! patronage be/[$ ^u him4 ,l
 begets l4 ,! man :o gives ! greate/    
am\nt ( goods ( a correspond+ quality = 
! lea/ sum 7/ill res]v+ = himself a     
pr(it7 w g5]ally succe$ be/ 9 ! long    
run4 ,?is br+s u to ! gold5 rule1 ,z ye 
w\ld t m5 %\ld d to y1 d ye also to !m &
 !y w d bett] by y ?an if y always      
treat$ !m z if y want$ to get ! mo/ y   
c\ld out ( !m = ! lea/ return4 ,m5 :o   
drive %>p b>ga9s ) _! cu/om]s1 act+ z if
 !y nev] expect$ to see !m aga91 w n be 
mi/ak54 ,!y w nev] see !m aga9 z        
cu/om]s4 ,p don't l to pay & get kick$  
also4  ,"o ( ! u%]s 9 my ,museum once   
told me he int5d$ to :ip a man :o 0 9 ! 
lecture-room z soon z he came out4  ,:at
 =8 ,i inquir$4  ,because he said ,i 0  
no g5tleman1 repli$ ! u%]4  ,nev] m9d1  
,i repli$1 he pays = t1 & y w n conv9ce 

him y are a g5tleman by :ipp+ him4 ,i _c
 af=d to lose a cu/om]4 ,if y :ip him1  
he w nev] visit ! ,museum aga91 & he w  
induce fri5ds to g ) him to o!r places (
 amusem5t in/ead ( ?is1 & ?us y see1 ,i 
%\ld be a s]i\s los]4  ,b he insult$ me1
 mutt]$ ! u%]4  ,exactly1 ,i repli$1 &  
if he own$ ! ,museum1 & y _h paid him = 
! privilege ( visit+ x1 & he _h !n      
insult$ y1 !re might be "s reason 9 y\r 
res5t+ x1 b 9 ?is in/ance he is ! man :o
 pays1 :ile we receive1 & y mu/1 !re=e1 
put up ) 8 bad mann]s4  ,my u%] laugh+ly
 rem>k$1 t ?is 0 und\bt$ly ! true       
policy2 b he add$ t he %\ld n object to 
an increase ( sal>y if he 0 expect$ to  
be abus$ 9 ord] to promote my int]e/4   
,,be ,,*>itable  ,( c\rse m5 %\ld be    
*>itable1 because x is a duty & a       
pleasure4 ,b ev5 z a matt] ( policy1 if 
y possess no high] inc5tive1 y w f9d t !
 lib]al man w comm& patronage1 :ile !   
sordid1 un*>itable mis] w be avoid$4    
,solomon says3 ,!re is t scatt]e? & yet 
increase?2 & !re is t )holde? m ?an     

meet1 b x t5de? to pov]ty4 ,( c\rse !   
only true *>ity is t :i* is f ! he>t4   
,! be/ k9d ( *>ity is to help ^? :o are 
will+ to help !mselves4 ,promiscu\s     
almsgiv+1 )\t inquir+ into ! wor?9ess ( 
! applicant1 is bad 9 e s5se4 ,b to se>*
 out & quietly assi/ ^? :o are /ruggl+ =
 !mselves1 is ! k9d t scatt]e? & yet    
increase?4 ,b don't fall into ! idea t  
"s p]sons practice1 ( giv+ a pray]      
in/ead ( a potato1 & a b5$iction in/ead 
( bread1 to ! hungry4 ,x is easi] to    
make ,*ri/ians ) full /oma*s ?an empty4 
,,don',t ,,blab  ,"s m5 h a fooli% habit
 ( tell+ _! bus9ess secrets4 ,if !y make
 money !y l to tell _! neighbors h[ x 0 
done4 ,no?+ is ga9$ by ?is1 & (ttimes   
mu* is lo/4 ,say no?+ ab\t y\r pr(its1  
y\r hopes1 y\r expectations1 y\r        
int5tions4 ,& ?is %\ld apply to lett]s z
 well z to conv]sation4 ,goe! makes     
,mephi/ophilles say3 ,nev] write a lett]
 nor de/roy "o4 ,bus9ess m5 mu/ write   
lett]s1 b !y %\ld be c>eful :at !y put 9
 !m4 ,if y are los+ money1 be specially 

cauti\s & n tell ( x1 or y w lose y\r   
reputation4     ,,pres]ve ,,y\r         
,,integrity  ,x is m preci\s ?an        
diamonds or rubies4 ,! old mis] said to 
8 sons3 ,get money2 get x hone/ly if y  
c1 b get money3 ,?is advice 0 n only    
atroci\sly wick$1 b x 0 ! v ess5ce (    
/upidity3 ,x 0 z mu* z to say1 if y f9d 
x difficult to obta9 money hone/ly1 y c 
easily get x di%one/ly4 ,get x 9 t way4 
,poor fool6 ,n to "k t ! mo/ difficult  
?+ 9 life is to make money di%one/ly6 ,n
 to "k t our prisons are full ( m5 :o   
attempt$ to foll[ ?is advice2 n to      
und]/& t no man c be di%one/1 )\t soon  
be+ f\nd out1 & t :5 8 lack ( pr9ciple  
is discov]$1 ne>ly e av5ue to success is
 clos$ aga9/ him =ev]4 ,! public v      
prop]ly %un all ^: integrity is d\bt$4  
,no matt] h[ polite & pleasant &        
accommodat+ a man may be1 none ( u d>e  
to deal ) him if we suspect false       
weights & measures4 ,/rict hone/y1 n    
only lies at ! f\ndation ( all success 9
 life 7f9ancially71 b 9 e o!r respect4  

,uncompromis+ integrity ( "* is         
invaluable4 ,x secures to its possessor 
a peace & joy :i* _c be atta9$ )\t      
x--:i* no am\nt ( money1 or h\ses & l&s 
c pur*ase4 ,a man :o is kn[n to be      
/rictly hone/1 may be ev] s poor1 b he  
has ! purses ( all ! community at 8     
disposal--= all "k t if he promises to  
return :at he borr[s1 he w nev]         
disappo9t !m4 ,z a m]e matt] (          
selfi%ness1 !re=e1 if a man _h no high] 
motive = be+ hone/1 all w f9d t ! maxim 
( ,dr4 ,frankl9 c nev] fail to be true1 
t hone/y is ! be/ policy4  ,to get ri*1 
is n always equival5t to be+ successful4
 ,!re are _m ri* poor m51 :ile !re are  
_m o!rs1 hone/ & dev\t m5 & wom51 :o h  
nev] possess$ s mu* money z "s ri*      
p]sons squ&] 9 a week1 b :o are         
nev]!less really ri*] & happi] ?an any  
man c ev] be :ile he is a transgressor (
 ! high] laws ( 8 be+4  ,! inord9ate    
love ( money1 no d\bt1 may be & is !    
root ( all evil1 b money itself1 :5     
prop]ly us$1 is n only a h&y ?+ to h 9 !

 h\se1 b af=ds ! gratification ( bless+ 
our race by enabl+ its possessor to     
enl>ge ! scope ( human happ9ess & human 
influ5ce4 ,! desire = weal? is ne>ly    
univ]sal1 & none c say x is n laudable1 
provid$ ! possessor ( x accepts its     
responsibilities1 & uses x z a fri5d to 
humanity4  ,! hi/ory ( money-gett+1 :i* 
is comm]ce1 is a hi/ory ( civilization1 
& :]ev] trade has fl\ri%$ mo/1 !re1 too1
 h art & sci5ce produc$ ! noble/ fruits4
 ,9 fact1 z a g5]al ?+1 money-gett]s are
 ! b5efactors ( our race4 ,to !m1 9 a   
great measure1 are we indebt$ = our     
in/itutions ( le>n+ & ( art1 our        
academies1 colleges & *ur*es4 ,x is no  
argum5t aga9/ ! desire =1 or !          
possession ( weal?1 to say t !re are    
sometimes mis]s :o ho>d money only = !  
sake ( ho>d+ & :o h no high] aspiration 
?an to grasp ev]y?+ :i* comes )9 _!     
rea*4 ,z we h sometimes hypocrites 9    
religion1 & demagogues 9 politics1 s !re
 are occasionally mis]s among           
money-gett]s4 ,^!1 h[ev]1 are only      

exceptions to ! g5]al rule4 ,b :51 9 ?is
 c\ntry1 we f9d su* a nuisance & /umbl+ 
block z a mis]1 we rememb] ) gratitude t
 9 ,am]ica we h no laws ( primog5iture1 
& t 9 ! due c\rse ( nature ! "t w come  
:5 ! ho>d$ du/ w be scatt]$ = ! b5efit (
 mank9d4 ,to all m5 & wom51 !re=e1 d ,i 
consci5ti\sly say1 make money hone/ly1 &
 n o!rwise1 = ,%akespe>e has truly said1
 ,he t wants money1 means1 & cont5t1 is 
)\t ?ree good fri5ds4