Should you regard the advice of this section, the counsels of the next will be of less consequence; for you will have removed one of the strongest inducements to speculation, as well as to overtrading. [8] I should be sorry to be understood as affirming that a majority of suicidal acts are the result of intemperance;--by no means. My own opinion is, that if there be a single vice more fruitful of this horrid crime than any other, it is gross sensuality. The records of insane hospitals, even in this country will show, that this is not mere conjecture. As it happens, however, that the latter vice is usually accompanied by intemperance in eating and drinking, by gambling, &c., the blame is commonly thrown, not on the principal agent concerned in the crime, but on the accomplices. SECTION XVI. _On Speculation._ Young men are apt to be fond of _speculation_. This propensity is very early developed--first in the family--and afterwards at the school. By _speculation_, I mean the purchasing of something which you do not want for use, solely with a view to sell it again at a large profit; but on the sale of which there is a hazard. When purchases of this sort are made with the person's own cash, they are not so unreasonable, but when they are made by one who is deeply indebted to his fellow beings, or with money borrowed for the purpose, it is not a whit better than gambling, let the practice be defended by whom it may: and has been in every country, especially in this, a fruitful source of poverty, misery, and suicide. Grant that this species of gambling has arisen from the facility of obtaining the fictitious means of making the purchase, still it is not the less necessary that I beseech you not to practise it, and if engaged in it already, to disentangle yourself as soon as you can. Your life, while thus engaged, is that of a gamester--call it by what smoother name you may. It is a life of constant anxiety, desire to overreach, and general gloom; enlivened now and then, by a gleam of hope or of success. Even that success is sure to lead to farther adventures; till at last, a thousand to one, that your fate is that of 'the pitcher to the well.'