MAKING MONEY IS A RELIGIOUS DUTY.

John D. Rockefeller Recounts His Own
Early Struggles and Shows to Young
Men the Virtues of Economy.

It may be, as sometimes has been said, that more is to be learned from the mistakes of other men than from their successes. If that be true it is because the reasons for their mistakes can hardly be concealed. Whether or not successful men betray the secrets of their successes, however, usually rests with themselves. In studying success, it is the occasional intimate disclosure that bears value rather than the superficial record.

John D. Rockefeller has addressed to the Bible class over which his son presides a pamphlet entitled "First Ledger of a Successful Man of Affairs." In it he tells of the ledger he kept as a young man, in which all his receipts and expenditures were most carefully recorded; and starting with this reminiscence he gives his advice to the young men of to-day. He begins with the dictum that "it is a religious duty to get all the money you can"—that is, "honestly and fairly"—and he sings the virtues of rigid economy. Speaking of his own efforts to "get a footing," he says:

If you all feel as I did when I was just starting in, I feel sorry for you. But I would not be without the memory of that struggle. And, discussing the struggle for success, what is success? Is it money? Some of you have all you need.

Who is the poorest man in the world? I tell you, the poorest man I know is the man who has nothing but money, nothing else in the world upon which to devote his ambition and thought. That is the sort of man I consider to be the poorest in the world. Money is good if you know how to use it.

Now, let me give you a little word of counsel. Keep a ledger, as I did. Write down in it all that you receive, and do not be ashamed to write down what you pay out. See that you pay it away in such a manner that your father and mother may look over your book and see just what you did with your money. It will help you to save money, and that you ought to do.

It is a mistake for any man who wishes for happiness and to help others to think that he will wait until he has made a fortune before giving away money to deserving objects.