How much ought the rest of us to save? I know a man--now you do not know him, and there is no use in racking your brains to discover who he is, which seems to be a principal motive for reading books nowadays, as though we writers had a cabinet photograph in our mind’s eye whenever we took a pen in hand. I know a man who divides his income into parts. “All Gaul is divided into three parts,” you will remember we read in the classics. Well, my friend, whom we will call Julius Cæsar for convenience and mystification, divides his income, on the first of January, into a certain number of parts or portions. He and his wife have a very absorbing and earnest pow-wow over it annually. They take the matter very seriously, and burn the midnight oil in the sober endeavor to map and figure out in advance a wise and unselfish exhibit. So much and no more for rent, so much for servants, so much for household supplies, so much for clothes, so much for amusements, so much for charity, so much to meet unlooked-for contingencies, and so much for investment. By the time the exhibit is finished it is mathematically and ethically irreproachable, and, what is more, Julius Cæsar and his wife live up to it so faithfully that they are sure to have some eight or ten dollars to the good on the morning of December thirty-first, which they commonly expend in a pair of canvas-back ducks and a bottle of champagne, for which they pay cash, in reward for their own virtue and to enable them at the stroke of midnight to submit to their own consciences a trial balance accurate to a cent. Now it should be stated that Mr. and Mrs. Julius Cæsar are not very busy people in other respects, and that their annual income, which is fifteen thousand dollars, and chiefly rent from improved real estate in the hands of a trustee, flows on as regularly and surely as a river. Wherefore it might perhaps be argued, if one were disposed to be sardonic, that this arithmetical system of life under the circumstances savors of a fad, and that Julius and his wife take themselves and their occupation a trifle too seriously, especially as they have both been known to inform, solemnly and augustly, more than one acquaintance who was struggling for a living, that it is every one’s duty to lay up at least one-tenth of his income and give at least another tenth in charity. And yet, when one has ceased to smile at the antics of this pair, the consciousness remains that they are right in their practice of foresight and arithmetical apportioning, and that one who would live wisely should, if possible, decide in advance how much he intends to give to the poor or put into the bank. Otherwise he is morally, or rather immorally, certain to spend everything, and to suffer disagreeable qualms instead of enjoying canvas-back ducks and a bottle of champagne on December thirty-first.