CHILDHOOD

      “Do you think there are as good opportunities for getting rich to-day as there were thirty years ago, or when you made your start, Mr. Sage?”

      “Undoubtedly. I think there are even greater opportunities, for new industries are being established all the time, and there are broader fields to work in. But then, the old fields of business are not overworked, by any means. I always say that there is room for good men anywhere and at any time. I don’t think there can be ever too many of them. It is true that there are many applicants for every place in New York, but if I were unable to get a place in an eastern city, I should go west, for there are great opportunities there for everyone.”

      “People say, though, that the west is not what it is supposed to be,” I remarked.

      “Yes, there are always pessimists,” said Mr. Sage. “The people who say the west has no opportunities are the same persons who used to call it foolish for any young man to come to New York. When I decided to come here, I was told on every side that I would regret my action; but I never have. Some people never see opportunities in anything, and they never get along. I didn’t see any very great opportunity ahead of me when I came to New York, but I knew that, if I had a chance, I could make one. I knew that there are always openings for energetic, hard-working fellows, and I was right.”

STRICT HONESTY IS NECESSARY.

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      “Of course, you believe that strict honesty is essential to success, Mr. Sage? I’ve heard many people say that honesty doesn’t pay, especially in Wall street.”

      “That is a foolish question,” said the financier. “It is absurd to imagine that it pays to be dishonest, whatever your business or profession. Do you suppose, if I had been dishonest in any dealings when I started out, that I would be worth anything to-day?”

      “What do you think of the chances for country boys in a great city like New York to-day, Mr. Sage?”

      “I think they are as great as ever. Employers are on the lookout for bright young men, and I believe that they would prefer that they come from the country, provided there is no danger of their becoming dissipated. I think that is the only thing men have against country fellows, and there are many things in their favor. I think an earnest, ambitious, hard-working boy from the country has a splendid chance of becoming somebody. There are much greater opportunities for him to exercise his good qualities, and the reward of his enterprise is much larger. The same energetic labor that would make a man worth twenty-five thousand dollars in a small town would be very likely to make him worth a hundred thousand or so in a great city, and all on account of the wider field.”

      “To what do you owe your wonderful vitality?” I asked. Mr. Sage smiled before answering me.

      “I never smoke, I never drink any liquors, I retire early, and get up early, and take care of myself in every possible way,” he said. “Don’t you think I ought to be healthy? I have always taken care of myself, and I think I’ve proved that hard work is not bad for one’s health. In fact, I think that work is the best thing I know of for improving a man’s constitution, for it makes a good appetite, and encourages digestion. It isn’t work that ruins so many men. It’s the wine they drink, and the late hours they keep, and their general dissipation. I expect to be at my desk for many years to come, and just because I’ve taken good care of myself.”

X

       Cut Out for a Banker, He Rose from Errand Boy to Secretary of the U. S. Treasury.

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      “IN my own career, I have learned that varied experience in early youth is often of great value in after life. My schooldays ended when I was fourteen years old, and I began work as a mail agent on the Rome, Watertown and Ogdensburg Railroad. I do not mean to say that, when I stopped school, my education ceased, for it was after 1850 that my character received its greatest development. I was but poorly satisfied with my work as mail agent, although it taught me much that I didn’t know before, and I kept my eyes open for something better. In a short time, the death of the president of the United States resulted in the loss of my first position. The village postmaster was removed from office, and, of course, my dismissal followed. This was discouraging, but I re-entered the village academy to pursue, for a time, my studies. There was in our town a small bank, and this institution had always possessed a fascination for my youthful mind. I used to watch the merchants going in with bags of gold and bundles of greenbacks, and coming out again with only account books in their hands. I knew that the bank had some connection with the government, and, being greatly impressed with its dignified appearance and the actions of its officers, I was seized with a desire to work within its walls. When I applied for a position, I learned that there was no likelihood of a vacancy occurring in the near future; so, when I was offered a place in a local stationery shop at a salary of a hundred dollars a year, I accepted with alacrity. The wages were small, indeed, but in this shop I was privileged to become acquainted with general literature, and spent many hours with the great authors. So the months with the stationer were not without profit.

      “After a time there was a rival bank established in the town, and I was offered the position of ‘messenger and general assistant,’ at the same old salary of a hundred dollars a year. I didn’t hesitate, but left the store to enter the bank, and so began my career in the financial world. My duties as ‘general assistant’ were many and varied. I was janitor, first of all, and attended to the heating of the building. I made many trips every day to the cellar for coal, and I used to think the officials most extravagant when they insisted on a fire when the days were comparatively warm. I was obliged to keep the front sidewalk clear of dirt in the summer and of snow in the winter, and had to sweep the floor of the banking room daily, and dust the desks and furniture frequently.

WHEN YOU START IN LIFE IN A STRANGE CITY, DO NOT EXPECT “SOFT SNAPS.”

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      “As the ‘messenger’ of the bank, I was sent around town with notices of notes which had fallen due, and with drafts which had been sent to the bank for collection from other cities. All these duties kept me fairly busy, but I still had time to learn something of banking as a business, and of the transactions which took place behind the counters. As the business of the bank increased, the teller and the bookkeeper welcomed my assistance in their departments; and, when summer came, and there were no fires to make and no snow to shovel, I had opportunity to learn most of the details of the business. After a while I was intrusted with the work of the teller or of the bookkeeper when either was kept at home by illness, and at the end of my first year I felt that I was indeed ‘cut out for a banker.’

      “I had so good an opinion of my accomplishments that I demanded of my employers an increase of salary for my second year. They replied that I was receiving all they could afford to pay, and I immediately resigned. At this time, nearly every boy in Central New York had the ‘Western Fever,’ and, after I left the bank, I developed a very bad case. I determined to start for Chicago to make my fortune, and arrived there one day in 1855, with few dollars and no friends. I had my mind made up to be a banker, and supposed that it would be easier to find an opening in the western city than it had been in my native village. But when I made the