THE DIFFICULT ART OF GETTING To my father I owe a great debt in that he himself trained me to practical ways.

He was engaged in different enterprises; he used to tell me about these things, explaining their significance; and he taught me the principles and methods of business.

From early boyhood I kept a little book which I remember I called Ledger A--and this little volume is still preserved--containing my receipts and expenditures as well as an account of the small sums that I was taught to give away regularly.
Naturally, people of modest means lead a closer family life than those who have plenty of servants to do everything for them.

I count it a blessing that I was of the former class.

When I was seven or eight years old I engaged in my first business enterprise with the assistance of my mother.