Some young men start life with the idea that every dollar made requires that one dollar and a half shall be spent; in order to be noticed they must make a big show, give big dinners, carriage drives, and parties, invite friends to the theatres, and have a "swell" time; must do like Mr. "So-and-So." They forget in their desire to copy, that Mr. "So-and-so," their pattern, has already made his fortune; that he began to save before he began to spend. But no, his name appears often in the papers and they think also that theirs must. So they begin their careers. A few years pass. The young men marry; their debts begin to accumulate and to press them, their countenances are always woe-begone; where once were smiles, now are frowns, and the homes are pictures of gloom and shadows. The lesson is plain. Debt is the greatest burden that can be put upon a man; it makes him afraid to look honest men in the face. No man can be a leader in the fullest sense who is burdened by a great debt. If there is any young men in the audience who is spending more than he is making let him ask himself the question, Is the game worth the candle? I know another young man who believed he could be happy by spending one-third of what he made and saving the other portion. He said to me, "some day I want to marry and I want to treat my wife better, if possible, than she was treated at home. I want the respect of my fellow man, I want to be a leader, and I know I can only do so by saving a part of what I make." It was my good pleasure, a few weeks ago, to visit the city where this young man is practising medicine. He carried me over that town in an automobile, he entertained me in his $5000 home, he showed me other property which he owned. Ah, my friends, his indeed was a happy home. Life to him was blessedly real. Some young men start life with the idea that Sunday school is a place for children, the church for old people and the Y. M. C. A. a place for young men with no life. What a wrong idea! Why, the young men who are alive in all walks of life, and who are in the forward ranks, are found in these places. The other young men with distorted views of life think that they must frequent places where the social glass is passed. They do so; after a while it becomes a necessity, the drink habit grows upon them; they die drunkards. Do you remember the story of Robert Ferguson who, better known as the "laureate of Edinburgh," was the poet of Scottish city-life? His dissipations were great, his tavern and boon companions hastening him on to a premature and painful death. His reason gave way. He was sent to an asylum for the insane. After about two months' confinement he died in his cell. What a sad climax to a promising career! Young men, be masters of yourselves. Dare to do the right. Dare to say No. Have strong faith not only in yourself but faith in the Unseen Power, who holds the destinies of all in His hands. The world needs you.