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The Earning Capacity

7.30-8 Breakfast.

8-8.3o Writing (for details see below). 8.3o-8.45 To office.

8.45-5 As before.

5-6.3o Home and dinner. 6.30-10.30 or later—Writing.

Now the result of this in writing has been a number of articles for the newspapers and four books, all of which will earn him a roy alty income for years. Incidentally it may be pointed out that this man is a far better of fice worker than ever before, because he is doing two kinds of work instead of one; with the result that there is no monotony in his day. Furthermore, instead of working from day to day, he now has a "long plan." His literary work is shaping an activity for the future that is, in itself, an inspiration.

Each one of us must shape his own course. Life is not paddling a canoe in a mill pond. It is the mastery of a ship that sails far out to sea.

Included in the factors of the earning ca pacity is this art of the long plan. We must not drift, nor decide on a short trip, but pre pare for a journey worth while.

The principal factors, then, that are opera tive in work, are skill, health and the use of leisure. Many others might be included but these are the all-embracing essentials and in clude industry, perseverance, honest endeavor, the fulfillment of responsibility and the like. They include, also, that one great factor that is fundamental to all labor for and with others, reliability; the quality that stimulates trust and creates a basis for faith.

Back of these factors, and required by the pursuit of them, is another that is funda mental to all fortune building. This is self denial. From the practice of self-denial we learn a lesson that is valuable in the effort to save money. This lesson teaches us that we can spend Thought and Time in precisely the way we spend money; either wantonly, or for value received; for the needs and pleasures of the moment alone, or for these and for the needs, pleasures and protection of the future as well.

When we begin to build a fortune, we too often forget that we must lay up not only money but those things that are uncorruptible by moth and rust. The future must be pro

tected not alone by financial resources but by mental resources as well. The increase of skill is a perpetual increase in the joy of work. Health guarded in early years is in itself an insurance for old age. The wise use of leisure enriches the mind, multiplies one's interests in life, and provides, as well as it is humanly possible to provide, against affliction.

The fortune builder must not fail to build with these bricks as well as with money. He must, early in life, be convinced of their actual importance to him in later years. But while he is busily engaged in fortune build ing for the future, he must not overlook the fact that he is alive To-day; he is living Now, in the present, and he must live it fully and happily, letting each day pay to him its toll of skill attained, of pleasure secured in labor and leisure, and of satisfaction in what it stores up for the days to come.

Grandet saved for the future, but his avarice day by day destroyed that future as it came to him. Conversely, the spendthrift does not live for to-day in his pursuit of pleasure; he consumes to-morrow with it. Each is unwise in his day and generation.

Men who have faced the world fearlessly have invariably won success by following an actual plan. They have created something in thought that they have worked out in deed. They saw the truth and proved it a fact by making it an act. Hence, we have various sets of rules for conduct, precepts for those who may want to go and do likewise. As a matter of fact, however, every man must make his own rules. They must grow out of his experience and fit perfectly his mental picture of what he wants to be.

And yet such rules, particularly from men who have made good, are always interesting.

When Meyer Rothschild, founder of the great banking house in Frankfort, Germany, died, he left something better than wealth; an example that has become a tradition in this noted family. He also left precepts. Among them were the following: Carefully examine every detail of your busi ness.

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