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remain for a month. But, of course, I knew better. And what is the result? For the past three years I have suffered from an indigestion as constant as it is keen; and to-day I have to regulate my food, my hours, and my habits, with the pleasing prospect that at least two years of such living are ahead of me before I can hope for relief. And why? Simply because of working, years ago, when I should have been resting. But then I did not understand it. I do now, and I wish that every young man who reads these words might profit by my error. I am fortunate to get off with nothing more serious than indigestion, but even that affliction has pains which only those who have suffered them can begin to fully realize. Night-work, when employed in the day, does not pay; on the contrary, it kills. I wish fervently and sincerely that five, eight, or ten years ago I might have reached this point of wisdom. I did not, but I write it now and here as a warning to young fellows who value their health, their happiness, their peace of mind, and a comfortable feeling in the pits of their stomachs.

      A fatal error in the case of many young men is that they reach a point where they make no progress. Now stagnation in a young man's career is but a synonym for starvation, since there is no such thing as standing still in the business world of to-day. Either we go backward or we go forward. When a young man fails to keep abreast of the possibilities of his position he recedes constantly, if unconsciously, perhaps. The young man who progresses is he who enters into the spirit of the business of his employer, and who points out new methods to him, advances new ideas, suggests new channels and outputs. There is not a more direct road to the confidence of an employer than for that employer to see that any one of his clerks understands the details of his business better than himself. That young man commands the attention of his chief at once, and when a vacancy occurs he is apt to step into it, if he does not forge over the shoulders of others. Young men who think clearly, who can conceive, create, and carry out, are not so plentiful that even a single one will be lost sight of. It is no special art, and it reflects but little credit upon any man, to simply fill a position. That is expected of him; he is engaged to do that, and it is only a fair return for a certain payment made. The art lies in doing more than was bargained for; in proving greater than was expected; in making more of a position than has ever been made before. A quick conception is needed here, the ability to view a broad horizon; for it is the liberal-minded man, not the man of narrow limitations, who makes the success of to-day. A young man showing such qualities to an employer does not remain in one position long.

      Two traps in which young men in business often fall are a disregard for small things, and an absolute fear of making mistakes. One of the surest keys to success lies in thoroughness. No matter how great may be the enterprise undertaken, a regard for the small things is necessary. Just as the little courtesies of every-day life make life worth the living, so the little details form the bone and sinew of a great success. A thing half or three-quarters done is worse than not done at all. Let a man be careful of the small things in business, and he can generally be relied upon for the greater ones, provided, of course, that he possesses broadness of mind. The man who can overcome small worries is greater than the man who can override great obstacles. When a young man becomes so ambitious for large success that he overlooks the small things, he is pretty apt to encounter failure. There is nothing in business so infinitesimal that we can afford to do it in a slipshod fashion. It is no art to answer twenty letters in a morning when they are, in reality, only half answered. When we commend brevity in business letters we do not mean brusqueness. Nothing stamps the character of a house so clearly as the letters it sends out.

      The fear of making mistakes keeps many a young man down. Of course errors in business are costly, and it is better not to make them. But, at the same time, I would not give a snap of the finger for a young man who has never made mistakes. But there are mistakes and mistakes; some easy to be overlooked, and others it is better not to blink at in an employee. A mistake of judgment is possible with us all; the best of us are not above a wrong decision. And a young man who holds back for fear of making mistakes loses the first point of success.

      I know there are thousands of young men who feel themselves incompetent for a business career because of a lack of early education. And here might come in – if I chose to discuss the subject, which I do not – the oft-mooted question of the exact value of a college education to the young man in business. Far abler pens than mine have treated of this; it is certainly not for me to enter into it here. But I will say this: a young man need not feel that the lack of a college education will stand in any respect whatever in the way of his success in the business world. No college on earth ever made a business man. The knowledge acquired in college has fitted thousands of men for professional success, but it has also unfitted other thousands for a practical business career. A college training is never wasted, although I have seen again and again five-thousand-dollar educations spent on five-hundred-dollar men. Where a young man can bring a college education to the requirements of a practical business knowledge it is an advantage. But before our American colleges become an absolute factor in the business capacities of men, their methods of study and learning will have to be radically changed. I have had associated with me both kinds of young men, collegiate and non-collegiate, and I must confess that the ones who had a better knowledge of the practical part of life have been those who never saw the inside of a college and whose feet never stood upon a campus. College-bred men and men who never had college advantages have succeeded in about equal ratios. The men occupying the most important commercial positions in New York to-day are self-made, whose only education has come to them from contact with that greatest college of all, the business world. Far be it from me to depreciate the value of a college education. I believe in its advantages too firmly. But no young man need feel hampered because of the lack of it. If business qualities are in him they will come to the surface. It is not the college education; it is the young man. Without its possession as great and honorable successes have been made as with it. Men are not accepted in the business world upon their collegiate diplomas, nor on the knowledge these imply. They are taken for what they are, for what they know.

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