Seeing that there are so many things to have and that we cannot have everything, what are we to choose? I have sometimes, while trudging along in the sleighing season, noticed that many men, whose income I believe to be much smaller than mine, were able to ride behind fast trotters in fur overcoats. The reason upon reflection was obvious to me. Men of a certain class regard a diamond pin, a fur overcoat, and a fast horse as the first necessaries of existence after a bed, a hair-brush and one maid-of-all-work. In other words, they are willing to live in an inexpensive locality, with no regard to plumbing, society, or art, to have their food dropped upon the table, and to let their wives and daughters live with shopping as the one bright spot in the month’s horizon, if only they, the husbands and fathers, can satisfy the three-headed ruling ambition in question. The men to whom I am referring have not the moral or æsthetic tone of Rogers and myself, and belong to quite a distinct class of society from either of us. But among the friends of both of us there are people who act on precisely the same principle. A fine sense of selection ought to govern the expenditure of income, and the wise man will refrain from buying a steam-yacht for himself or a diamond crescent for his wife before he has secured a home with modern conveniences, an efficient staff of servants, a carefully chosen family physician, a summer home, or an ample margin wherewith to hire one, the best educational advantages for his children which the community will afford, and choice social surroundings. In order to have these comfortably and completely, and still not to be within sailing distance, so to speak, of a steam-yacht, one needs to have nowadays--certainly in large cities--an income of from seven thousand to eleven thousand dollars, according to where one lives.