The sight in the steamer saloons of crowds of excited gamblers was employed by him in exposition of his views on the various ways of acquiring wealth. Those piles of golden eagles that glittered on the table of the saloon would enrich none of the gamblers permanently. Money obtained by such methods always melted away. Wealth was made by industry and economy, and not by gambling or speculating. To know how to be frugal was the first step towards a fortune, the second was to practice frugality, and the third step was to know what to do with the money saved. It was every man’s duty to put something aside each day, were it only a few cents. No man in America was paid such low wages that, if he were determined, he could not put away half of them. A man’s best friend, after God, was himself; and, if he could not rely on himself, he could not rely on anybody else. His first duty was to himself, as he was bound to his own wants all his life, and must provide for them under every circumstance; if he neglected to provide for his own needs, he would always be unable to do anything towards the need of others. Then, as his custom was, he would proceed to apply these remarks to my case. I was to retain in my mind the possibility of being again homeless, and friendless, and adrift in the world, the world keeping itself to itself, and barring the door against me, as it did at Liverpool, New Orleans, and St. Louis, ‘The poor man is hated, even by his own neighbour; but the rich man has many friends,’ etc., etc.