Love of money has been denounced by moralists since the world began. I do not wish to add another to the moral denunciations, of which the efficacy in the past has not been encouraging. I wish to show how the worship of money is both an effect and a cause of diminishing vitality, and how our institutions might be changed so as to make the worship of money grow less and the general vitality grow more. It is not the desire for money as a means to definite ends that is in question. A struggling artist may desire money in order to have leisure for his art, but this desire is finite, and can be satisfied fully by a very modest sum. It is the _worship_ of money that I wish to consider: the belief that all values may be measured in terms of money, and that money is the ultimate test of success in life. This belief is held in fact, if not in words, by multitudes of men and women, and yet it is not in harmony with human nature, since it ignores vital needs and the instinctive tendency towards some specific kind of growth. It makes men treat as unimportant those of their desires which run counter to the acquisition of money, and yet such desires are, as a rule, more important to well-being than any increase of income. It leads men to mutilate their own natures from a mistaken theory of what constitutes success, and to give admiration to enterprises which add nothing to human welfare. It promotes a dead uniformity of character and purpose, a diminution in the joy of life, and a stress and strain which leaves whole communities weary, discouraged, and disillusioned. America, the pioneer of Western progress, is thought by many to display the worship of money in its most perfect form. A well-to-do American, who already has more than enough money to satisfy all reasonable requirements, almost always continues to work at his office with an assiduity which would only be pardonable if starvation were the alternative.