Hor. I am pleased with your observations, and the knowledge you display of mankind; but pray, is not the frugality you now speak of a virtue?

Cleo. I think not.

Hor. Where there is but a small income, frugality is built upon reason; and in this case there is an apparent self-denial, without which an indolent man that has no value for money cannot be frugal; and we see indolent men, that have no regard for wealth, reduced to beggary, as it often happens, it is most commonly for want of this virtue.

Cleo. I told you before, that the indolent man, setting out as he did, would be poor; and that nothing but some share of vanity could hinder him from being despicably so. A strong fear of shame may gain so much upon the indolence of a man of sense, that he will bestir himself sufficiently to escape contempt; but it will hardly make him do any more; therefore he embraces frugality, as being instrumental and assisting to him in procuring his summum bonum, the darling quiet of his easy mind; whereas, the active man, with the same share of vanity, would do any thing rather than submit to the same frugality, unless his avarice forced him to it. Frugality is no virtue, when it is imposed upon us by any of the passions, and the contempt of riches is seldom sincere. I have known men of plentiful estates, that, on account of posterity, or other warrantable views of employing their money, were saving, and more penurious, than they would have been, if their wealth had been greater: but I never yet found a frugal man, without avarice or necessity. And again, there are innumerable spendthrifts, lavish and extravagant to a high degree, who seem not to have the least regard to money, whilst they have any to fling away: but these wretches are the least capable of bearing poverty of any, and the money once gone, hourly discover how uneasy, impatient, and miserable they are without it. But what several in all ages have made pretence to, the contempt of riches, is more scarce than is commonly imagined. To see a man of a very good estate, in health and strength of body and mind, one that has no reason to complain of the world or fortune, actually despise both, and embrace a voluntary poverty, for a laudable purpose, is a great rarity. I know but one in all antiquity, to whom all this may be applied with strictness of truth.

Hor. Who is that, pray?

Cleo. Anaxagoras of Clazomene in Ionia: He was very rich, of noble extraction, and admired for his great capacity: he divided and gave away his estate among his relations, and refused to meddle with the administration of public affairs that was offered him, for no other reason, than that he might have leisure for contemplation of the works of nature, and the study of philosophy.

Hor. To me it seems to be more difficult to be virtuous without money, than with: it is senseless for a man to be poor, when he can help it, and if I saw any body choose it, when he might as lawfully be rich, I would think him to be distracted.

Cleo. But you would not think him so, if you saw him sell his estate, and give the money to the poor: you know where that was required.

Hor. It is not required of us.

Cleo. Perhaps not: but what say you to renouncing the world, and the solemn promise we have made of it?