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against you.

Money is in some respects like fire⁠—it is a very excellent servant but a terrible master. When you have it mastering you, when interest is constantly piling up against you, it will keep you down in the worst kind of slavery. But let money work for you, and you have the most devoted servant in the world. It is no “eye-servant.” There is nothing animate or inanimate that will work so faithfully as money when placed at interest, well secured. It works night and day, and in wet or dry weather.

I was born in the blue law State of Connecticut, where the old Puritans had laws so rigid that it was said, “they fined a man for kissing his wife on Sunday.” Yet these rich old Puritans would have thousands of dollars at interest, and on Saturday night would be worth a certain amount; on Sunday they would go to church and perform all the duties of a Christian. On waking up on Monday morning, they would find themselves considerably richer than the Saturday night previous, simply because their money placed at interest had worked faithfully for them all day Sunday, according to law!

Do not let it work against you; If you do, there is no chance for success in life so far as money is concerned. John Randolph, the eccentric Virginian, once exclaimed in Congress, “Mr. Speaker, I have discovered the philosopher’s stone: pay as you go.” This is indeed nearer to the philosopher’s stone than any alchemist has ever yet arrived.

Persevere.⁠—When a man is in the right path, he must persevere. I speak of this because there are some persons who are “born tired”; naturally lazy and possessing no self reliance and no perseverance. But, they can cultivate these qualities, as Davy Crockett said:

“This thing remember, when I am dead,
Be sure you are right, then go ahead.”

It is this go-aheaditiveness, this determination not to let the “horrors” or the “blues” take possession of you, so as to make you relax your energies in the struggle for independence, which you must cultivate.

How many have almost reached the goal of their ambition, but losing faith in themselves have relaxed their energies, and the golden prize has been lost forever.

It is, no doubt, often true, as Shakespeare says:

“There is a tide in the affairs of men,
Which taken at the flood, leads on to fortune.”

If you hesitate, some bolder hand will stretch out before you and get the prize. Remember the proverb of Solomon: “He becometh poor that dealeth with a slack hand; but the hand of the diligent maketh rich.”

Perseverance is sometimes but another word for self-reliance. Many persons naturally look on the dark side of life, and borrow trouble. They are born so. Then they ask for advice, and they will be governed by one wind and blown by another, and cannot rely upon themselves. Until you get so that you can rely upon yourself, you need not expect to succeed. I have known men personally who have met with pecuniary reverses, and absolutely committed suicide, because they thought they could never overcome their misfortune. But I have known others who have met more serious financial difficulties, and have bridged them over by simple perseverance, aided by a firm belief that they were doing justly, and that Providence would “overcome evil with good.” You will see this illustrated in any sphere of life.

Take two Generals; both understand military tactics, both educated at West Point, if you please, both equally gifted; yet one, having this principle of perseverance, and the other lacking it, the former will succeed in his profession, while the latter will fail. One may hear the cry, “the enemy are coming, and they have got cannon.”

“Got cannon?” says the hesitating General.

“Yes.”

“Then halt every man.”

He wants time to reflect; his hesitation is his ruin. The enemy passes unmolested, or overwhelms him. The General of pluck, perseverance and self reliance goes into battle with a will, and amid the clash of arms, the booming of cannon, and the shrieks of the wounded and dying, you will see this man persevering, going on, cutting and slashing his way through with unwavering determination, and if you are near enough, you will hear him shout, “I will fight it out on this line if it takes all summer.”

Whatever you do, do with all your might.⁠—Work at it, if necessary, early and late, in season and out of season, not leaving a stone unturned, and never deferring for a single hour that which can be done just as well now. The old proverb is full of truth and meaning, “Whatever is worth doing at all, is worth doing well.” Many a man acquires a fortune by doing his business thoroughly, while his neighbor remains poor for life because he only half does it. Ambition, energy, industry, perseverance, are indispensable requisites for success in business.

Fortune always favors the brave, and never helps a man who does not help himself. It won’t do to spend your time like Mr. Micawber, in waiting for something to “turn up.” To such men one of two things usually “turns up”: the poorhouse or the jail; for idleness breeds bad habits, and clothes a man in rags. The poor spendthrift vagabond said to a rich man:

“I have discovered there is money enough in the world for all of us, if it was equally divided; this must be done, and we shall all be happy together.”

“But,” was the response, “if everybody was like you, it would be spent in two months, and what would you do then?”

“Oh! divide again; keep dividing, of course!”

I was recently reading in a London paper an account of a like philosophic pauper who was kicked out of a cheap boardinghouse because he could not pay his bill, but he had a roll of papers sticking out of his coat pocket, which, upon examination, proved to be his plan for paying off the national debt of England without the aid of a penny. People

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