money per week than tens of thousands of young men on small salaries spend for their weekly luncheons.

The young man typical of the big cities who ends the week "just about even or a little in debt," who usually borrows something on Friday to repay on Saturday, is the really extravagant man, the one throwing away his chance.

It may be more extravagant for you to spend daily thirty cents on your luncheon than it would be for some other man to buy a five-thousand-dollar automobile.

Should you starve yourself? Certainly not; that would be stupid economy. But if it is necessary in order to keep your receipts ahead of your spending you can easily save and not suffer hunger or cold. Don't deceive yourself about that.

The greatest advantage in economy, a fact that you can see in the lives of thousands of successful men, is not in the money saved, but habits formed, self-control acquired, and in work that the mind does in place of the follies that go with extravagance.

The man who is not playing pool may be reading, thinking of getting the early sleep that he needs-any one of the last three more valuable to him than the "pool money" saved.

The man who does not spend his money on drink, who does not make a fool and a wreck of himself, is saving his nervous strength, keeping the brain free from the harmful, resultless activities of alcoholism. And the saving to his nervous system and his brain is infinitely more valuable than the money saved.

If you do not control yourself and save now when it would be comparatively easy, others will control you, and you will do without in bitterness of spirit when you are old and the chance to save and build up independence will have gone by.

There isn't a young man in good health with an average small income who could not, if he would, make himself an independent man able to laugh at the terrors of old age and poverty.

What you save in money will help you, what you save in strength, in nervous force, in sleep, in good digestion, will help you more. What you gain in strength of character and self-control will help you most of all.

Don't pay any attention to what others are doing. Because the fool next you squanders, don't think that you have an excuse for squandering.

If you were in China the fool near you might be smoking opium and making his ultimate ruin certain. But you wouldn't offer him as an excuse for opium smoking.

If you lived among Eskimos you would be surrounded by creatures going months without a change of clothing and years without a bath-but you wouldn't consider that a reason for your being filthy.

If you lived among savages and saw the fashionable young men of the tribe slitting their cheeks and rubbing in pigments, or thrusting bone ornaments through their noses, you would not do the same to yourself and offer fashion as an excuse..

Don't make fashion or custom in this foolish civilization an excuse for imitating the foolishness of those about you.

Think of yourself as an individual with will power, with need of all resources, mental, physical and financial. Realize, as you must do if your mind is clear, that the only necessary thing for you is to do day after day the things that you know you ought to do, and not to do things that you know you ought not to do. You do not need to be told-you know what you need to do. Do it.

If you have ten dollars a week only and are careful, you will live to be envied by the man whose big income you envy now-if that man is foolish and extravagant. In the long run a leaky tub will be empty.

And in the long run a wasteful man will be poor. And a poor old age is dreadful and sad. Friends fall away and forget you. Life gets harder as the months and years go by. The body must be kept alive somehow, for the instinct of self-preservation is our master and we struggle on in weakness and sorrow to the bitter end.

The salvation of a traveler in a fever country is his supply of quinine pills that will fight the fever that enters his blood.

If you saw a man traveling in such a country scattering those precious pills to the birds and plunging on to certain destruction, how would you describe his folly?

How can you describe the folly of an individual who scatters, in youth, the money, the strength, the will that might have made that youth glorious and old age dignified, independent and honorable?

"Enthusiasm is the power and the health of the mind. It is youth, ambition, will."

Sarah Bernhardt, greatest actress the world ever produced, remained young to the day of her death; enthusiasm kept her young-ambition made her famous.

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