APPENDIX 149 
But the worst of it is yet to tell: if you had spent the 
ten cents a day in tobacco and whiskey, you would not 
only not have had the $411.13 at the ten years’ end, but 
also had bad habits. Very likely you would have become 
a drunkard, and spent not five but fifty cents a day, if 
you could get them, for the drunkard’s cup. Your family 
would be ragged; your wife miserable, and perhaps heart- 
broken; your children growing up in vices, with no chance 
to learn to read or write. 
But, on the other hand, the very fact of saving the 
money will bring with it the pleasure, pride in yourself, 
good habits, good health, a good name, steady employ- 
ment. All people will trust you. Men will point you out 
and say— ‘There’s a sober, hard-working, honest man, 
with money ahead; you can trust him.” So, too, will your 
wife be proud of you, and your children will respect you 
and grow up willing and obedient. They will all join to 
aid you in saving. A pleasant strife will appear in your 
household to see who can do most toward adding to the 
father’s savings, and by the time he had saved the sum I 
have mentioned, very likely they have all added $200 
more. 
But I have said nothing about the many chances which 
a man who has $500 ready cash in bank has to make it 
increase. I have just supposed a case of saving ten cents 
a day for ten years. Do you think any man would stop 
at that sum after trying it a short time? No; he would see 
chances to put his savings into some business of his own, 
and go on to buy and sell and get gain. He would not be 
content to work for hire all his life. He could buy his piece 
of land and become a thriving farmer! The earth would 
be working for him day and night. He would see flocks 
and herds grazing on his own pastures. He would drive 
his own horse and wagon to market. He would enlarge 
his fields by his gains. He would become a good citizen, 
giving freely to the school and church, and all things that 
make for peace and freedom and justice. 
Thus good people live. Thus whole nations grow great. 
Thus, in smaller cities than this, men of toil have their 
five hundred thousand dollars, all having commenced by