SPEAKING of money—and it’s a mighty popular topic—the investment of the first twenty-five cents I ever earned, all at a crack, ought to have directed my feet, my thoughts, and my future along the straight and narrow way. Ten minutes after I had galloped gleefully home with that quarter-dollar from Judge Kingsley’s hay-field, my good mother led me down to Old Maid Branscombe’s little book-store and obliged me to buy a catechism.

I earned that money by hauling a drag-rake for a whole day around behind a hay-cart, barefoot and kicking against the vicious stubbles of the shaven field. I honestly felt that I did not deserve the extra penance of the catechism. However, that first day’s work gave me my earliest respect for money—earned money. And I also remember that Judge Kingsley, when he paid me, sniffed and said I hadn’t done enough to earn twenty-five cents.

I hated to walk up to him and ask for my pay, because Celene Kingsley was within hearing; she had come down to the field to fetch him home in her pony-chaise. That’s right! You’ve guessed it! I’ll waste no words. It was only another of the old familiar cases. Barefooted, folks poor, keeping my face toward her, as a sunflower fronts the sun (though the sunflower has other reasons than hiding patches), I was in the shamed, secret, hopeless, heartaching agonies of a fifteen-year-old passion. Of course, I don’t mean that I had loved her for all that time—I’m giving my age and hers.

Yes, I hated to walk up. And the judge gave me the quarter only because he did not have any smaller change.

And really, for the times, it was considerable of a coin for a single juvenile job.

The services of youngsters in those days in Levant were paid for on a narrower scale—ten cents for lawns and a nickel for shoveling snow, and so on. And tin-peddlers were mighty stingy in their dickerings for old rubbers and junk. To get rags one had to steal ’em—our folks made rugs and guarded old remnants carefully.

So much for my first financial adventure of real moment—for the biggest coin I had ever clutched; and right now I lay down my pen for a moment and spread out two human paws which have juggled three million dollars’ worth of gold ingots as carelessly as one scruffles jackstraws. That was maverick treasure. But there’s a big difference between earned money and maverick money. If you don’t know what maverick means I’ll save you the trouble of looking the word up in the dictionary. Once on a time, in Texas, old Sam Maverick wouldn’t brand his cattle. Therefore, a maverick was a cow or steer unbranded. And to-day it means any kind of property at large which a bold man or a dishonest man may grab if he can beat other thieves to it.

I had an early taste of maverick money, and the taste was so sweet that I never have lost my hankering for more.

In the fall of that “year of the catechism” the line gale blew down the chimney which had stood after the old Pratt house was burned. I was there before the dust settled, for all the boys knew that there were wrought-iron clamps high up in the bricks. But I left the clamps to the next comers and picked up a dented tin box, rusty and dusty and soot-blackened; I shook it; it rattled and I ran away into the woods. When I had knocked the box open and looked in and spied coins I had the heart-thrilling conviction that money worries were over for me in this life. My first thought was that I would marry Celene Kingsley and settle down and live happy ever after. If there had been in the box what I thought at first there was, I could wipe my pen and close my story.

I dove both hands into the box and brought them up brimming—coins scattering and clattering back over my trembling fingers. They were big coins—and I had read much about the days of the bold pirates.