e. Sometimes a couple
will start out doing their own work--the wife doing the work inside the
house and the man outside. But they prosper, and after a while they are
able to afford help; they get a girl to help the wife inside and a man
to help the husband outside; then they prosper more--and they get two
girls to help inside and two men to help outside, then three girls
inside and three men outside. Finally they have so many girls helping
inside and so many men helping outside that they cannot leave the
house--they have to stay at home and look after the establishment.

This is not a new condition. One of the Latin poets complained of "the
cares that hover about the fretted ceilings of the rich!" It was this
condition that inspired Charles Wagner to write his little book entitled
"The Simple Life," in which he entered an eloquent protest against the
materialism which makes man the slave of his possessions; he presented
an earnest plea for the raising of the spiritual above the purely
physical. I repeat, that there is a limit to the amount a man can wisely
spend upon a home.

I need not remind you that the rich are tempted to spend money on the
vices that destroy--money honestly earned may thus become a curse rather
than a blessing.

But a man can give his money away. Yes, and no one who has ever tried it
will deny that more pleasure is to be derived from the giving of money
to a cause in which one's heart is interested, than can be obtained from
the expenditure of the same amount in selfish indulgence. But if one
is going to give largely he must spend a great deal of time in
investigating and in comparing the merits of the different enterprises.
I am persuaded that there is a better life than the life led by those
who spend nearly all the time accumulating beyond their needs and then
employ the last few days in giving it away. What the world needs is not
a few men of great wealth, doling out their money in anticipation of
death--what the world needs is that these men link _themselves_ in
sympathetic interest with struggling humanity and help to solve problems
of to-day, instead of creating problems for the next generation to
solve.

But you say, a man can leave his money to his children? He can, if he
dares. A large fortune, in anticipation, has ruined more sons than it
has ever helped. If a young man has so much money coming to him that he
knows he will never have to work, the chances are that it will sap his
ene