It is now thirteen years since I ceased to accumulate wealth and began to distribute it. I could never have succeeded in either had I stopped with having enough to retire upon, but nothing to retire to. But there was the habit and the love of reading, writing and speaking upon occasion, and also the acquaintance and friendship of educated men which I had made before I gave up business. For some years after retiring I could not force myself to visit the works. This, alas, would recall so many who had gone before. Scarcely one of my early friends would remain to give me the hand-clasp of the days of old. Only one or two of these old men would call me "Andy." Do not let it be thought, however, that my younger partners were forgotten, or that they have not played a very important part in sustaining me in the effort of reconciling myself to the new conditions. Far otherwise! The most soothing influence of all was their prompt organization of the Carnegie Veteran Association, to expire only when the last member dies. Our yearly dinner together, in our own home in New York, is a source of the greatest pleasure,--so great that it lasts from one year to the other. Some of the Veterans travel far to be present, and what occurs between us constitutes one of the dearest joys of my life. I carry with me the affection of "my boys." I am certain I do. There is no possible mistake about that because my heart goes out to them. This I number among my many blessings and in many a brooding hour this fact comes to me, and I say to myself: "Rather this, minus fortune, than multi-millionairedom without it--yes, a thousand times, yes." Many friends, great and good men and women, Mrs. Carnegie and I are favored to know, but not one whit shall these ever change our joint love for the "boys." For to my infinite delight her heart goes out to them as does mine. She it was who christened our new New York home with the first Veteran dinner. "The partners first" was her word. It was no mere idle form when they elected Mrs. Carnegie the first honorary member, and our daughter the second. Their place in our hearts is secure. Although I was the senior, still we were "boys together." Perfect trust and common aims, not for self only, but for each other, and deep affection, moulded us into a brotherhood. We were friends first and partners afterwards. Forty-three out of forty-five partners are thus bound together for life. Another yearly event that brings forth many choice spirits is our Literary Dinner, at home, our dear friend Mr. Richard Watson Gilder, editor of the "Century," being the manager.[62] His devices and quotations from the writings of the guest of the year, placed upon the cards of the guests, are so appropriate, as to cause much hilarity. Then the speeches of the novitiates give zest to the occasion. John Morley was the guest of honor when with us in 1895 and a quotation from his works was upon the card at each plate.