If I had my life to live over again I would marry even earlier than I did. The tender care of a good wife is the finest thing in the world. I am thankful, indeed, that I have had this in the fullest measure.

Thrift is the first element of successful manhood. When you have made your fortune, it is time enough to think about spending it. Two suits of clothes are enough for any young man. The only thought that a young man need spend about his clothes is to look out for bargains at the lowest price.

Let him be on the lookout for cheap hats, bargains in shoes, knockdowns in suits. He is fostering business traits that augur well for his success in years to come.

The boy who knows bargains in socks makes the man who knows bargains in stocks.

Fifty cents is enough for a straw hat; it will last two seasons. You can get for thirty-nine cents an unlaundered white shirt which is excellent. You can get a good undershirt for twenty-five cents. Silk is not for salaried men. Fine clothes bring sham pleasure. Don't try to rival the flowers of the field.

A rich man does not work for himself alone. He is really the nation's agent. He turns his wealth over constantly in a way that helps others. No one need be alarmed over the constant increase in the wealth limit. Big enterprises require big men.

There is no such thing as a money-curse. It is the man, not the money, that makes the amount of individual wealth wrong. A good man cannot have too much money.

And so let me say in conclusion, if I had my life to live over again, I would try just as hard as I knew how to turn my money over and over again, that it might do the most good to other men.

I would live no differently. I would do as hard a day's work as I knew how. I would not feel it necessary to take vacations to recuperate. I would get my pleasure simply. I would dine simply on plain food. After dinner there would be a little reading of the papers or of good books, a chat with friends that might drop in, and maybe a game of whist. I get plenty of relaxation from an exciting rubber. When the game is over, my day is done. I sleep like a top till morning.

That would be my life if I had it to live over. All my life my home has been my haven of happiness.