Therefore one who would live wisely and has the present means, though he may deplore existing misery and seek to relieve it, does not give away to others all his substance but spends it chiefly on himself and his family until he has satisfied certain needs. By way of a house he feels that he requires not merely a frail, unornamental shelter, but a carefully constructed, well ventilated, cosily and artistically furnished dwelling, where his family will neither be scrimped for space nor exposed to discomforts, and where he can entertain his friends tastefully if not with elegance. All this costs money and involves large and recurrent outlays for heating, lighting, upholstery, sanitary appliances, silver, china, and glass. It is not sufficient for him that his children should be sure of their own father; he is solicitous, besides, that they should grow up as free as possible from physical blemishes, and mentally and spiritually sound and attractive. To promote this he must needs consult or engage from time to time skilled specialists, dentists, oculists, dancing and drawing masters, private tutors, and music-teachers. To enable these same sons and daughters to make the most of themselves, he must, during their early manhood and womanhood, enable them to pursue professional or other studies, to travel, and to mingle in cultivated and well-bred society. He must live in a choice neighborhood that he may surround himself and his family with refining influences, and accordingly he must pay from twelve hundred to twenty-five hundred or three thousand dollars a year for rent, according to the size and desirability of the premises. Unless he would have his wife and daughters merely household factors and drudges, he must keep from three to five or six servants, whose wages vary from four to six or seven dollars a week, and feed them.
Nor can the athletic, æsthetic, or merely pleasurable needs of a growing or adolescent household be ignored. He must meet the steady and relentless drain from each of these sources, or be conscious that his flesh and blood have not the same advantages and opportunities which are enjoyed by their contemporaries. He must own a pew, a library share, a fancy dress costume, and a cemetery lot, and he must always have loose change on hand for the hotel waiter and the colored railway porter. The family man in a large city who meets these several demands to his entire satisfaction will have little of ten thousand dollars left for the purchase of a trotter, a fur overcoat, and a diamond pin.