who confines himself constantly to his business, and forbids himself almost every indulgence, in order that he may be able to pay every one to whom _he_ is indebted, and discharge all the other duties of a good citizen. Now, if young people will bring their naturally generous feelings to bear upon this point, they will see that the debtor, and not the creditor, is alone worthy of execration. And they may be assured, that, where creditors show a severity to their debtors, it is generally either merited by the latter, or is dictated by a justifiable consideration of the danger into which they are thrown by the non-payment of the money which is their due, and which they may be owing in their turn to some other person. In every rule there are exceptions; but it is necessary to guard against the breaking down of _great rules_ by allowing for _trifling exceptions_. Because good men sometimes incur debt, and become insolvent, through no fault of theirs, we must not infringe upon the majesty of the great maxim, that debt ought to be paid, and that its non-payment is an evil. Young people, if they wish to prosper in the world, will do well not to excuse all contraction of debt for the sake of the few who contract it innocently. They must have it impressed forcibly upon their minds, that every pleasure in which they indulge themselves, without the reasonable prospect of paying for it, though it be but to the amount of one penny, is a step in error, and apt to be the beginning of their destruction. They must have it impressed upon their minds, that no man of good feelings can enjoy the least comfort, if he be not conscious of working for, or being honestly come into the possession of, fully as much as he spends. To persist in living beyond our incomes, is to live a life of dishonesty; and to subsist on the industry of relatives, as is sometimes the case with the idle and the dissolute, is worse still, for it involves an excessive meanness of spirit, ingratitude, and hard-heartedness—thus adding depth to the crime, and will be sure to be visited some day with feelings of anguish and remorse.