At the outset we must acknowledge that our capacities of all kinds are strictly limited, whether moral, intellectual, or physical. An occasional saint, an occasional genius, or an occasional giant stretches the limit beyond its normal point, but the limit still remains. And yet we are foolish enough to believe that in regard to the possession, expenditure, and administering of riches there is no sum of money, however large, which we are not competent to deal with, and we are convinced that it is quite easy and unquestionably within the capacity of almost anyone to spend with benefit to himself and to others sums of money greatly in excess of what can cover in the widest sense his personal requirements. Whereas not only is it not easy, but as inquiry will show, it is purely and positively impossible, as impossible as it is to acquire vast knowledge with a limited brain capacity, or to endure more than a certain amount of physical strain with a limited muscular capacity. We are inclined also to think that men who have money and men who make money are _ipso facto_ easily capable of spending the money properly, though we generally make the mental reservation that if we had it ourselves we should spend it a great deal better. But the inheritance or accumulation of money does not imply by any means a special ability for spending it wisely. To put it plainly, such men have not, nor have we, nor has anyone this ability except in a very limited degree, far more limited than is generally supposed or ever admitted.