Mr. Sage smiled. “I don’t know about its being of interest. It is very simple and commonplace to me. You know I began as a grocery clerk, in a country town. That is a very humble beginning, I’m sure.”

“Yes, but it’s the beginning that counts,” I said; “not the end.”

“You are right,” replied the financier. “Well, when I was even younger than you are, I received a dollar a week for working from early morning until late at night, but I was well satisfied with my lot, because I knew that it was bound to lead to better things. So I worked my very best, and saved my wages, which were slowly increased as I went along, and finally I had enough money to start a little store for myself. When I was twenty-one years old, I had a store of my own, and I made a success of it, too.” He smiled, as he remembered those early days.

“But how did you happen to come to New York?” I asked.

“Oh, I was ambitious,” laughed Mr. Sage. “Like most boys, I thought there was no other place like a city for success, and I finally sold my country store when I was still very young, and came to New York. I started in as an office-boy, at very low wages, and, from that day on, I worked myself up and up, until I finally became a financier on my own account. It took a long time, though. It wasn’t all accomplished in a day; though, when I came to New York, I expected to be rich in two or three years. I was very much like other boys, you see. They all expect to get rich in a day.”

“But some of them never get rich,” I said.

“Well, it’s their own fault if they don’t succeed,” said the financier. “Surely, everyone has as good a chance as I had. I don’t think there could be a poorer opportunity for a boy to rise. The trouble is that most of them are not very anxious to rise. If they find themselves wealthy some morning they are glad, of course; but they are not willing to work and make themselves rich.”

NO LUCK IN HIS ACHIEVEMENT.

“Some say that it is all luck,” I ventured to suggest.