Webster was very poor even after he entered Dartmouth College. A friend sent him a recipe for greasing his boots. Webster wrote and thanked him, and added: "But my boots need other doctoring, for they not only admit water, but even peas and gravel-stones." Yet he became one of the greatest men in the world. Sydney Smith said: "Webster was a living lie, because no man on earth could be as great as he looked." Carlyle said of him: "One would incline at sight to back him against the world."
What seemed to be luck followed Stephen Girard all his life. No matter what he did, it always seemed to others to turn to his account. His coming to Philadelphia seemed a lucky accident. A sloop was seen one morning off the mouth of Delaware Bay floating the flag of France and a signal of distress. Young Girard was captain of this sloop, and was on his way to a Canadian port with freight from New Orleans. An American skipper, seeing his distress, went to his aid, but told him the American war had broken out, and that the British cruisers were all along the American coast, and would seize his vessel. He told him his only chance was to make a push for Philadelphia. Girard did not know the way, and had no money. The skipper loaned him five dollars to get the service of a pilot who demanded his money in advance.
His sloop passed into the Delaware just in time to avoid capture by a British war vessel. He sold the sloop and cargo in Philadelphia, and began business on the capital. Being a foreigner, unable to speak English, short, stout, and with a repulsive face, blind in one eye, it was hard for him to get a start. But he was not the man to give up. He had begun as a cabin boy at thirteen, and for nine years sailed between Bordeaux and the French West Indies. He improved every leisure minute at sea, mastering the art of navigation.
At the age of eight he first discovered that he was blind in one eye. His father, evidently thinking that he would never amount to anything, would not help him to an education beyond that of mere reading and writing, but sent his younger brothers to college. The discovery of his blindness, the neglect of his father, and the chagrin of his brothers' advancement, soured his whole life.
When he began business for himself in Philadelphia, there seemed to be nothing he would not do for money. He bought and sold anything, from groceries to old junk. He bottled wine and cider, from which he made a good profit. Everything he touched prospered. In 1780, he resumed the New Orleans and St. Domingo trade, in which he had been engaged at the breaking out of the Revolution. Here great success again attended him. He had two vessels lying in one of the St. Domingo ports when the great insurrection on that island broke out. A number of the rich planters fled to his vessels with their valuables, which they left for safe keeping while they went back to their estates to secure more. They probably fell victims to the cruel negroes, for they never returned, and Girard was the lucky possessor of $50,000 which the goods brought in Philadephia.
Everybody, especially his jealous brother merchants, attributed his great success to his luck. While undoubtedly he was fortunate in happening to be at the right place at the right time, yet he was precision, method, accuracy, energy itself. He left nothing to chance. His plans and schemes were worked out with mathematical care. His letters, written to his captains in foreign ports, laying out their routes and giving detailed instruction from which they were never allowed to deviate under any circumstances, are models of foresight and systematic planning. He never left anything of importance to others. He was rigidly accurate in his instructions, and would not allow the slightest departure from them. He used to say that while his captains might save him money by deviating from instructions once, yet they would cause loss in ninety-nine other cases. Once, when a captain returned and had saved him several thousand dollars by buying his cargo of cheese in another port than that in which he had been instructed to buy, Girard was so enraged, although he was several thousand dollars richer, that he discharged the captain on the spot, notwithstanding the latter had been faithful in his service for many years, and thought he was saving his employer a great deal of money by deviating from his instructions.
Girard lived in a dingy little house, poorer than that occupied by many of his employees. He married a servant girl of great beauty, but she proved totally unfitted for him, and died at last in the insane asylum.
Girard never lost a ship, and many times what brought financial ruin to many others, as the War of 1812, only increased his wealth. What seemed luck with him was only good judgment and promptness in seizing opportunities, and the greatest care and zeal in improving them to their utmost possibilities.
Luck is not God's price for success: that is altogether too cheap, nor does he dicker with men.
The mathematician tells you that if you throw the dice, there are thirty chances to one against your turning up a particular number, and a hundred to one against your repeating the same throw three times in succession: and so on in an augmenting ratio. What is luck? Is it, as has been suggested, a blind man's buff among the laws? a ruse among the elements? a trick of Dame Nature? Has any scholar defined luck? any philosopher explained its nature? any chemist shown its composition? Is luck that strange, nondescript fairy, that does all things among men that they cannot account for? If so, why does not luck make a fool speak words of wisdom; an ignoramus utter lectures on philosophy?