When it has made you a physical wreck—a victim of "nerves" and moods.

When the hunger for more money, more land, more houses and bonds has grown to be your dominant passion.

When it has dwarfed you mentally and morally, and robbed you of the spontaneity and enthusiasm of youth. When it has hardened you to the needs and sufferings of others, and made you a scorner of the poor and unfortunate.

When there is a dishonest or a deceitful dollar in your possession; when your fortune spells the ruin of widows and orphans, or the crushing of the opportunities of others.

When your absorption in your work has made you practically a stranger to your family.

When you go on the principle of getting all you can and giving as little as possible in return.

When your greed for money has darkened and cramped your wife's life, and deprived her of self-expression, of needed rest and recreation, or amusement of any kind.

When the nervous irritability engendered by constant work, without relaxation, has made you a brute in your home and a nuisance to those who work for you.

When you rob those who work for you of what is justly their due, and then pose as a philanthropist by contributing a small fraction of your unjust gains to some charity or to the endowment of some public institution.