The spendthrift appears at first sight to have the greatest enjoyment in life, the rising business man works hard and foregoes much. I believe that the latter is really by far the happier of the two. But, if you can spend only a day or two in a city, and your examination is superficial, you may easily make the mistake of considering the spendthrift as the most successful man in the community. So, in our brief visit to the world in times past, we picked out the crab, the reptile, and the carnivore as its rising members. Once more, capital can be spent very quickly; to use it prospectively requires time. This is a truism; but it does no harm to call attention to truisms which have been neglected. Organs and powers of great prospective value are slow and difficult of development. If their increase is to be at all rapid, they must start early. If their development and culture is deferred, there will be little or no advance, but probably degeneration. Extravagance grows rapidly and soon becomes irresistible; habits of saving must be formed early. The same is true of the development of all other virtues. There is in the child an orderly sequence of development of mental traits. While these powers are in their earlier, so to speak embryonic, stages of development, they can be fostered and increased or retarded. They are still plastic. Very early in a child's life acquisitiveness shows itself; he begins to say "I," and "mine," and desires things to be his "very own." And this can be fostered so that the child will grow up a "covetous machine." Or he may be taught to share with others.