1922. This little book is made up largely from notes which the writer jotted down from time to time after experiences of one sort or another. Contents: habit and the accumulation of money; when money ceases to be of value; riches are not wrong; riches are dangerous; men versus goods; getting something for nothing; retiring from business; methods of piling up profits; society's right to our wealth; profit sharing versus benevolences; what shall we do; developing a prosperity which endures; need of educational reform; a personal confession.