n possible some part of the money earned or made, in
provision for the future.

"Every boy should realize, in starting out, that he can never accumulate
money unless he acquires the habit of saving," said Russell Sage. "Even
if he can save only a few cents at the beginning, it is better than
saving nothing at all; and he will find, as the months go on, that it
becomes easier for him to lay by a part of his earnings. It is
surprising how fast an account in a savings bank can be made to grow, and
the boy who starts one and keeps it up stands a good chance of enjoying a
prosperous old age. Some people who spend every cent of their income on
their living expenses are always bewailing the fact that they have never
become rich. They pick out some man who is known to have made a fortune
and speak of him as being 'lucky.' There is practically no such thing as
luck in business, and the boy who depends upon it to carry him through is
very likely not to get through at all. The men who have made a success
of their lives are men who started out right when they were boys. They
studied while at school, and when they went to work, they didn't expect
to be paid wages for loafing half the time. They weren't always on the
lookout for an 'easy snap' and they forged ahead, not waiting always for
the opportunities that never came, and bewailing the supposed fact that
times are no longer what they used to be."

"A young man may have many friends," says Sir Thomas Lipton, "but he will
find none so steadfast, so constant, so ready to respond to his wants, so
capable of pushing him ahead, as a little leather-covered book, with the
name of a bank on the cover. Saving is the first great principle of
success. It creates independence, it gives a young man standing, it
fills him with vigor, it stimulates him with proper energy; in fact, it
brings to him the best part of any success,--happiness and contentment."

It is estimated that if a man will begin at twenty years of age to lay by
twenty-six cents every working day, investing at seven per cent. compound
interest, he will at seventy years of age have amassed thirty-two
thousand dollars.

"Economy is wealth." This proverb has been repeated to most of us until
we are either tired of it or careless of it, but it is well to remember
that a saying becomes a proverb because of its truth and significance.
Many a man has proved that if economy is not actual wealth, it is, in
many cases, pote