(6) Finally, the last argument of the selfish man is that "he has earned his money; it is his; he has a right to do with it as he pleases" This we cannot admit. Legally he is as yet free so backward is our social order-to accumulate and spend upon himself vast sums. But it is not best for society that he should, and so he is not morally justified therein. We must agree with Carnegie that "whatever surplus wealth comes to him (beyond his needs and those of his family) is to be regarded as a social trust, which he is bound to administer for the good of his fellows"; and with Professor Sager, that "the general interest requires acceptance of the maxim: the consumption of luxuries should be deferred until all are provided with necessaries." This does not mean that we need live like peasants, as Tolstoy advised, make our own shoes, and till our own plot of ground; nor that we must come down to the level of the lowest. By doing that we should lose the great advantages of our material progress, which rests upon the high specialization of labor and reciprocal service. We should lose the charm and picturesqueness of highly differentiated lives, and sink into the dull, monotonous democracy which Matthew Arnold so dreaded. We must work where we can best serve; we must try to make our lives and their surroundings beautiful, so far as beauty does not require too great cost. We must save up for a rainy day, for insurance against illness and old age, for wife and children. We may properly invest money, where it will be used to good ends - so that we beware of spendthrift or lazy heirs. We must keep up a reasonably comfortable and beautiful standard of living, such a standard as the majority could hope to attain to by hard work and abstinence and thrift. But all the money one can earn beyond this ought to be used for service. The extravagance and ostentation and waste of many even moderately well to do are a blot upon our civilization. The insane ideal of lavish adornment, of fashionable clothes and costly furnishings, of mere vain display and wanton luxury, infects rich and poor alike, isolating the former from the great universal current of life, and provoking in the latter bitterness and anarchism. Let us ask in every case, Does this expenditure bring use, health, joy commensurate with the labor it represents? A great deal of current expense in dressing, in entertaining, in eating, could be saved by a sensible economy, with no appreciable loss in enjoyment. We must not forget that everything we consume has been produced by the labor and time of others. What fortune, or our own cleverness, has put into our hands that we do not need for making fair and free our own lives, and the lives of those dependent upon us, we should pass on to those whose need is greater than ours. Is it wrong to gamble, bet, or speculate? A corollary to our discussion of the duties appertaining to the use of money must be a condemnation of gambling.