When we consider how full of needs the human race is, how its whole existence is based upon them, it is not a matter for surprise that _wealth_ is held in more sincere esteem, nay, in greater honor, than anything else in the world; nor ought we to wonder that gain is made the only good of life, and everything that does not lead to it pushed aside or thrown overboard--philosophy, for instance, by those who profess it. People are often reproached for wishing for money above all things, and for loving it more than anything else; but it is natural and even inevitable for people to love that which, like an unwearied Proteus, is always ready to turn itself into whatever object their wandering wishes or manifold desires may for the moment fix upon. Everything else can satisfy only _one_ wish, _one_ need: food is good only if you are hungry; wine, if you are able to enjoy it; drugs, if you are sick; fur for the winter; love for youth, and so on. These are all only relatively good, [Greek: agatha pros ti]. Money alone is absolutely good, because it is not only a concrete satisfaction of one need in particular; it is an abstract satisfaction of all. If a man has an independent fortune, he should regard it as a bulwark against the many evils and misfortunes which he may encounter; he should not look upon it as giving him leave to get what pleasure he can out of the world, or as rendering it incumbent upon him to spend it in this way. People who are not born with a fortune, but end by making a large one through the exercise of whatever talents they possess, almost always come to think that their talents are their capital, and that the money they have gained is merely the interest upon it; they do not lay by a part of their earnings to form a permanent capital, but spend their money much as they have earned it. Accordingly, they often fall into poverty; their earnings decreased, or come to an end altogether, either because their talent is exhausted by becoming antiquated,--as, for instance, very often happens in the case of fine art; or else it was valid only under a special conjunction of circumstances which has now passed away. There is nothing to prevent those who live on the common labor of their hands from treating their earnings in that way if they like; because their kind of skill is not likely to disappear, or, if it does, it can be replaced by that of their fellow-workmen; morever, the kind of work they do is always in demand; so that what the proverb says is quite true, _a useful trade is a mine of gold_. But with artists and professionals of every kind the case is quite different, and that is the reason why they are well paid. They ought to build up a capital out of their earnings; but they recklessly look upon them as merely interest, and end in ruin. On the other hand, people who inherit money know, at least, how to distinguish between capital and interest, and most of them try to make their capital secure and not encroach