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He has become a wise man who has learned to govern his own money.

The lessons to be learned before one can begin to build a fortune are essential to all grades of people, from the humble in posses sion to the very wealthy. Those lowest in the scale must master the elementary principles of management and emerge as rapidly as they can from a purposeless method of existence into one that is marked by some degree, at least, of self-government and careful admin istration. Those higher in the scale of wealth are as unfortunate in a sense as those who have no wealth, if in their eagerness to be pos sessed of more and more money they fail to provide themselves with the means for procur ing those numerous pleasures of life that are not to be purchased by money alone.

Money is a symbol. It stands for Value. The thing that creates money is Labor. This may be the labor of body which does manual work, or the labor of mind that plans great undertakings and involves the activities of many people.

To regard money as a symbol of labor, that is, to regard it as labor in another form, is to give it its proper place and to recognize in it its rightful dignity. No man, poor or rich, has any right to misunderstand this vital characteristic of money. He is not justified

in debasing it or himself by wasting it; nor is he justified in dealing with it, in his daily life, save as a good steward.

Now, a good steward is a good adminis trator. He fixes in mind as a perfect equa tion, this : To think equals To do.

To do equals To have.

This principle has played an important part in the economy of nations. It is said that on the oldest bank notes of the world, issued by the Chinese treasury, there appeared the name of the bank, date of issue, denomination, num ber, signature, and the picture of a heap of coins which totaled the value of the note. This last device, if it appeared on a one dollar bill, would show a picture of ten dimes or any combination of coins equal to one dollar.

But these old bank notes of China bore a legend that we have not yet mastered to the full. It was this: "PaonucE ALL YOU CAN. SPEND WITH ECONOMY." What other combination of so few words so forcibly states the whole subject of na tional and individual economies ? We have only to turn the light of the neg ative on these two sentences to see that pros perity for anyone is purely an individual mat ter.

money, labor, bank and justified