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 has any money, is usually in debt, and never seems to be able to meet any unexpected financial obligation. The younger seems to go to as many social affairs as his brother, has as many and as expensive clothes, always meets his financial obligations as soon as they are presented to him, and always has money in the bank. The only difference that I can discover between them is a temperamental one. The older man has no system as the younger has, never plans for the future, spends a dollar whenever he has one in his pocket, and constantly cherishes the hope that an allowance which has up to the present time proved wholly inadequate to his needs will grow into more gratifying proportions next month. He never learns by experience, never gives up hope that a wind fall will drop at his feet, that a rich uncle will die and leave him a fortune, or that in some way he will stumble out of his financial difficulties. However much or little the student spends it should be a definite sum each month, and it should come to him regularly on a definite day of the month.

"Father complains that I spend too much," a freshman said to me not long ago, "but the fact is I don't know how much I do spend. He sends me a hundred or a hundred and fifty dollars and when that is gone I ask for more. It is a kind of a game now to see how much I can get. If he'd