In His Image

by William Jennings Bryan

Let us consider some of the things for which we can properly spend money. We need food—we all need food, and we need about the same amount; not exactly, but the difference in quantity is not great. The range in expenditure is greater than the range in quantity, because expenditure covers kind and quality as well as quantity. But there is a limit even to expenditure. If a man eats too much he suffers for it. If he squanders his money on high-priced foods, he wears his stomach out. There is an old saying which we have all heard, viz., "The poor man is looking for food for his stomach, while the rich man is going from one watering place to another looking for a stomach for his food." This is only a witty way of expressing a sober truth, namely, that one is limited in the amount of money he can wisely spend for food.

We need clothing—we all need clothing, and we need about the same amount. The difference in quantity is not great. The range in expenditure for clothing is greater than the range in quantity, because expenditure covers style and variety as well as quantity, but there is a limit to the amount of money one can wisely spend for clothing. If a man has so much clothing that it takes all of his time to change his clothes, he has more than he needs and more than he can wisely buy.

We need homes—we all need shelter and we need about the same amount. In fact, God was very democratic in the distribution of our needs, for He so created us that our needs are about the same. The range of expenditure for homes is probably wider than in the case of either food or clothing. We are interested in the home. I never pass a little house where two young people are starting out in life without a feeling of sympathetic interest in that home; I never pass a house where a room is being added without feeling interested, for I know the occupants have planned it, and looked forward to it and waited for it; I like to see a little house moved back and a larger house built, for I know it is the fulfillment of a dream. I have had some of these dreams myself, and I know how they lead us on and inspire us to larger effort and greater endeavour, and yet there is a limit to the amount one can wisely spend even for so good a thing as a home.

If a man gets too big a house it becomes a burden to him, and many have had this experience. Not infrequently a young couple start out poor and struggle along in a little house, looking forward to the time when they can build a big house. After a while the time arrives and they build a big house, larger, possibly, than they intended to, and it nearly always costs more than they thought it would, and then they struggle along the rest of their lives looking back to the time when they lived in a little house.

We speak of people being independently rich. That is a mistake; they are dependency rich. The richer a man is the more dependent he is—the more people he depends upon to help him collect his income, and the more people he depends upon to help him spend his income. Sometimes a couple will start out doing their own work—the wife doing the work inside the house and the man outside. But they prosper, and after a while they are able to afford help; they get a girl to help the wife inside and a man to help the husband outside; then they prosper more—and they get two girls to help inside and two men to help outside, then three girls inside and three men outside. Finally they have so many girls helping inside and so many men helping outside that they cannot leave the house—they have to stay at home and look after the establishment.

This is not a new condition. One of the Latin poets complained of "the cares that hover about the fretted ceilings of the rich!" It was this condition that inspired Charles Wagner to write his little book entitled "The Simple Life," in which he entered an eloquent protest against the materialism which makes man the slave of his possessions; he presented an earnest plea for the raising of the spiritual above the purely physical. I repeat, that there is a limit to the amount a man can wisely spend upon a home.

I need not remind you that the rich are tempted to spend money on the vices that destroy—money honestly earned may thus become a curse rather than a blessing.

But a man can give his money away. Yes, and no one who has ever tried it will deny that more pleasure is to be derived from the giving of money to a cause in which one's heart is interested, than can be obtained from the expenditure of the same amount in selfish indulgence. But if one is going to give largely he must spend a great deal of time in investigating and in comparing the merits of the different enterprises. I am persuaded that there is a better life than the life led by those who spend nearly all the time accumulating beyond their needs and then employ the last few days in giving it away. What the world needs is not a few men of great wealth, doling out their money in anticipation of death—what the world needs is that these men link themselves in sympathetic interest with struggling humanity and help to solve problems of to-day, instead of creating problems for the next generation to solve.

But you say, a man can leave his money to his children? He can, if he dares. A large fortune, in anticipation, has ruined more sons than it has ever helped. If a young man has so much money coming to him that he knows he will never have to work, the chances are that it will sap his energy, even if it does not undermine his character, and leave him a curse rather than a blessing to those who brought him into the world.

And it is scarcely safer to leave the money to a daughter. For, if a young woman has a prospective inheritance so large that, when a young man calls upon her, she cannot tell whether he is calling upon her or her father, it is embarrassing—especially so if she finds after marriage that he married the wrong member of the family. And, I may add, that the daughters of the very rich are usually hedged about by a social environment which prevents their making the acquaintance of the best young men. The men who, twenty-five years from now, will be the leaders in business, in society, in government, and in the Church, are not the pampered sons of the rich, but the young men who, with good health and good habits, with high ideals and strong ambition, are, under the spur of necessity, laying the foundation for future achievements, and these young men do not have a chance to become acquainted with the daughters of the very rich. Even if they did know them they might hesitate to enter upon the scale of expenditure to which these daughters are accustomed.