THE FIRST HUNDRED DOLLARS.
“As a rule, the small inheritance, which, to a boy, would seem large, has a tendency to lessen his efforts, and is a great damage to him in the way of acquiring habits necessary to success. Above all, no one can acquire a fortune unless he makes a start; and the habit of thrift, which he learns in saving his first hundred dollars, is of inestimable value later on. It is not the money, but the habit which counts. There is no one so helpless as a man who is ‘broke,’ no matter how capable he may be, and there is no habit so detrimental to his reputation among business men as that of borrowing small sums of money. This cannot be too emphatically impressed upon young men. Another thing is that none but the wealthy, and very few of them, can afford the indulgence of expensive habits; how much less then can a man with only a few dollars in his pockets? More young men are ruined by the expense of smoking than in any other way. The money thus laid out would make them independent, in many cases, or at least would give them a good start. A young man should be warned by the melancholy example of those who have been ruined by smoking, and avoid it.”