There are two classes of people that I have observed who are not so distinct as might be imagined—those who cannot keep their own money in their hands, and those who cannot keep their hands from other people’s. The first are always in want of money, though they do not know what they do with it. They _muddle_ it away, without method or object, and without having any thing to show for it. They have not, for instance, a fine house, but they hire two houses at a time; they have not a hot-house in their garden, but a shrubbery within doors; they do not gamble, but they purchase a library, and dispose of it when they move house. A princely benefactor provides them with lodgings, where, for a time, you are sure to find them at home: and they furnish them in a handsome style for those who are to come after them. With all this sieve-like economy, they can only afford a leg of mutton and a bottle of wine, and are glad to get a lift in a common stage; whereas with a little management and the same disbursements, they might entertain a round of company and drive a smart tilbury. But they set no value upon money, and throw it away on any object or in any manner that first presents itself, merely to have it off their hands, so that you wonder what has become of it. The second class above spoken of not only make away with what belongs to themselves, but you cannot keep any thing you have from their rapacious grasp. If you refuse to lend them what you want, they insist that you _must_: if you let them have any thing to take charge of for a time (a print or a bust) they swear that you have given it them, and that they have too great a regard for the donor ever to part with it. You express surprise at their having run so largely in debt; but where is the singularity while others continue to lend? And how is this to be helped, when the manner of these sturdy beggars amounts to dragooning you out of your money, and they will not go away without your purse, any more than if they came with a pistol in their hand? If a person has no delicacy, he has you in his power, for you necessarily feel some towards him; and since he will take no denial, you must comply with his peremptory demands, or send for a constable, which out of respect for his character you will not do. These persons are also poor—_light come, light go_—and the bubble bursts at last. Yet if they had employed the same time and pains in any laudable art or study that they have in raising a surreptitious livelihood, they would have been respectable, if not rich. It is their facility in borrowing money that has ruined them. No one will set heartily to work, who has the face to enter a strange house, ask the master of it for a considerable loan, on some plausible and pompous pretext, and walk off with it in his pocket. You might as well suspect a highwayman of addicting himself to hard study in the intervals of his profession.