Any class of men that lives from hand to mouth will ever be an inferior class. They will necessarily remain impotent and helpless, hanging on to the skirts of society, the sport of times and seasons. Having no respect for themselves, they will fail in securing the respect of others. In commercial crises, such men must inevitably go to the wall. Wanting that husbanded power which a store of savings, no matter how small, invariably gives them, they will be at every man’s mercy, and, if possessed of right feelings, they cannot but regard with fear and trembling the future possible fate of their wives and children. “The world,” once said Mr. Cobden to the working men of Huddersfield, “has always been divided into two classes,—those who have saved, and those who have spent—the thrifty and the extravagant. The building of all the houses, the mills, the bridges, and the ships, and the accomplishment of all other great works which have rendered man civilized and happy, has been done by the savers, the thrifty; and those who have wasted their resources have always been their slaves. It has been the law of nature and of Providence that this should be so; and I were an impostor if I promised any class that they would advance themselves if they were improvident, thoughtless, and idle.” Equally sound was the advice given by Mr. Bright to an assembly of working men at Rochdale, in 1847, when, after expressing his belief that, “so far as honesty was concerned, it was to be found in pretty equal amount among all classes,” he used the following words:—“There is only one way that is safe for any man, or any number of men, by which they can maintain their present position if it be a good one, or raise themselves above it if it be a bad one,—that is, by the practice of the virtues of industry, frugality, temperance, and honesty. There is no royal road by which men can raise themselves from a position which they feel to be uncomfortable and unsatisfactory, as regards their mental or physical condition, except by the practice of those virtues by which they find numbers amongst them are continually advancing and bettering themselves.”