Let me observe, to begin with, that although the pursuit of wealth is not favorable to the intellectual life, the inconveniences of poverty are even less favorable to it. We are sometimes lectured on the great benefits of necessity as a stimulant to exertion, and it is implied that comfortable people would go much farther on the road to distinction if they were made uncomfortable by having to think perpetually about money. Those who say this confound together the industry of the industrial and professional classes, and the labors of the more purely intellectual. It is clear that when the labor a man does is of such a nature that he will be paid for it in strict proportion to the time and effort he bestows, the need of money will be a direct stimulus to the best exertion he may be capable of. In all simple industrial occupations the need of money _does_ drive a man forwards, and is often, when he feels it in early life, the very origin and foundation of his fortune. There exists, in such occupations, a perfect harmony between the present necessity and the ultimate purpose of the life. Wealth is the object of industry, and the first steps towards the possession of it are steps on the chosen path. The future captain of industry, who will employ thousands of workpeople and accumulate millions of money, is going straight to his splendid future when he gets up at five in the morning to work in another person's factory. To learn to be a builder of steam-vessels, it is necessary, even when you begin with capital, to pass through the manual trades, and you will only learn them the better if the wages are necessary to your existence. Poverty in these cases only makes an intelligent man ground himself all the better in that stern practical training which is the basis of his future career. Well, therefore, may those who have reached distinguished success in fields of practical activity extol the teachings of adversity. If it is a necessary part of your education that you should hammer rivets inside a steam-boiler, it is as well that your early habits should not be over-dainty. So it is observed that horny hands, in the colonies, get gold into them sooner than white ones.