Let no one accuse me of trying to deceive or cajole labor. I not only admit, but I assert, that there is far more satisfaction, though not necessarily greater happiness, in drawing dividends than wages. I have had both experiences. I am an expert, for I have either touched or seen life at every angle. I have worked to the limit, day after day, from five in the morning until nine at night for hire, with not to exceed one hour for the three meals, and have gone to bed happy. For fifteen years I was at my law office, as a rule, from seven in the morning until ten at night, and for more than thirty years of my mature life I never took a day for recreation. My wife and I are now living quite comfortably from dividends, but we look back upon those strenuous years, in which this best woman in the world joyfully and even joyously bore her share, as the happiest period of our lives. Still I repeat, dividends are better than pay envelopes or checks from clients. And I am glad they are. The All-Wise must have designed they should be, for otherwise life would be one dreary humdrum of drudgery, with little incentive to great effort and greater sacrifice, the universal _quid pro quo_ in the great one-price store of republics. In this connection permit me to urge every man whose wakeful hours are spent in toil, to make it exceedingly clear to his children that there is more satisfaction in drawing dividends than wages. Let the youth also know that nearly every one who now draws dividends began by drawing wages. I can recall very few men whose names are or have been known beyond the confines of local communities, whether bankers, lawyers, manufacturers, merchants or railroad presidents, whose hands have not been calloused with humble toil. This is conspicuously so of Rockefeller, Carnegie, Wanamaker and Schwab, and was equally true of E. H. Harriman, C. P. Huntington, J. J. Hill, George M. Pullman, the McCormicks and practically all others who in days past rendered conspicuous service in making America. CHAPTER XIV AMERICAN FORTUNES NOT LARGE, CONSIDERING A country of such resources could not be developed as America has been without great fortunes resulting. Inequality of results in every field of human endeavor, except the acquisition of property, is welcomed and approved by everyone.