It will come to you as strange, my friends, to hear objection--as though against an ill trait--to that open-handed generosity which is held by many to be among the marks of supreme virtue. Generosity, whether it be evidenced by gifts of money, of sympathy, of effort or of time, is only another word for weakness. If one were to go into careful consideration of the life-failure of any man, it would be found most often that his fortunes were slain by his generosity; and while, without consideration, he gave to others his countenance, his friendship, his money, his toil or whatever he conferred, he in truth but parted with his own future--with those raw materials wherewith he would otherwise have fashioned a victorious career. Generosity, in a commonest expression, is giving more than one receives; it is to give two hundred and get one hundred; he is blind, therefore, who does not see that any ardor of generosity would destroy a Rothschild. From birth, and as an attribute inborn, I have been ever too quick to give. For a first part of my life at least, and until I shackled my impulse of liberality, I was the constant victim of that natural readiness. And I was cheated and swindled with every rising sun. I gave friendship and took pretense; I parted with money for words; ever I rendered the real and received the false, and sold the substance for the shadow to any and all who came pleasantly to smile across my counter. I was not over-old, however, when these dour truths broke on me, and I began to teach myself the solvent beauty of saying “No.” During those months of exile--for exile it was--which I spent in Washington Square, I cultivated misanthropy--a hardness of spirit; almost, I might say, I fostered a hatred of my fellow man. And more or less I had success. I became owner of much stiffness of sentiment and a proneness to be practical; and kept ever before me like a star that, no matter how unimportant I might be to others, to myself at least I was most important of mankind. Doubtless, I lost in grace by such studies; but in its stead I succeeded to safety, and when we are at a final word, we live by what we keep and die by what we quit, and of all loyalties there’s no loyalty like loyalty to one’s self.