I had noted that seeming slip of hers, so unlike her cautious reticence.

“Then I remembered they’d be sure to see it in the papers,” continued

she. “And I decided it was best to tell and quiet them.”

* * * * *

While the old folks were industriously settling themselves in the

New Jersey woods-- Here let me relieve my mind by saying a few words

in mitigation of the unfilial and snobbish conduct of Edna and me. I

admit we deserve nothing but condemnation. I admit I am more to blame

than she because I could have compelled her to act better toward our

families, though of course I could not have changed her feelings--or my

own, for that matter. But, as often happens in this world, the thing

that was in motive shameful turned out well. We and our families had

grown hopelessly apart. Intercourse with them could not but have been

embarrassing and uncomfortable for both sides. When we got them the

farm, got them away from the malarial and squalid part of Passaic into

a healthful region where they lived in much better health and in a

comfort they could appreciate, we did the best possible thing for them,

as well as for ourselves. Do not think for a moment that because I am

ashamed of my snobbish motives I am therefore advocating the keeping

up of irksome and absurd ties merely out of wormy sentimentality. It

has always seemed to me, when we have but the one chance at life, the

one chance to make the best of our talents and opportunities, that

only moral or mental weakness, or both, would waste the one chance in

the bondage of outworn ties. When one has outgrown any association,

lop it off relentlessly, say I. If the living lets the dying cling to

it, the dying does not live but the living dies. If you are associated

with anyone in any way--business, social, ties of affection, whatever

you please--and if you do not wish to lose that one, then keep yourself

alive and abreast of him or her. And if you let yourself begin to decay

and find yourself cut away, whose is the fault, if fault there be?

We--Edna and I--perhaps did not do all we might to make our outgrown

families happy; I say perhaps, though I am by no means sure that we did

not do all that was in our power, for they certainly would have got no

pleasure out of seeing more of two people so uncongenial to them in

every respect. At any rate, we did not leave our families to starve or

to suffer. Hard though my charming, lovely wife was, I cannot conceive

her sinking to that depth. On the whole, I feel that we could honestly

say we took the right course with them. That is, we helped them without

hindering ourselves. We did the right thing, though not in the right

way.

While our families were choosing a farm, were fixing up the buildings

to suit their needs and tastes, were moving themselves from their

ancient haunts, Edna was as industriously busy making far deeper

inroads on the new prosperity. She was planning the conquest of New

York.

Every day in the year many a suddenly enriched family is busy about

the same enterprise. Families from the less fashionable parts of the

city moving to the fashionable parts. Families from other cities and

towns--east, west, north, and south--advancing to social conquest under

the leadership of mammas and daughters tired of shining in obscure,

monotonous, and unappreciative places. There are I forget how many

thousands of millionaires on Manhattan Island; enough, I know, with the

near millionaires and those living like millionaires, to make a city of

three or four hundred thousand, not including servants and parasites.

Not all of these have the fashionable craze; at least, they haven’t

it in its worst form--the form in which it possessed my wife. All the

acute sufferers must find suitable lodgments near Fifth Avenue if not

in it.

Now New York is ever ready to receive and to “trim” the arriving

millionaire. It has all kinds of houses and apartments to meet the

peculiarities of his--or, rather, of his wife’s and daughter’s--notions

of grandeur. It has a multitude of purveyors of furnishings and

decorations likewise designed to catch crude and grandiose tastes. My

wife was busy with these gentry.

“Don’t you think we’d better go a little slow?” said I. “Why not live

in a hotel on Manhattan and look about us?”

I had respect for my wife’s capacity at the woman side of the game;

she had thoroughly drilled me to more than generous appreciation of

it. But at the same time I was not so blinded by her charm for me or

so convinced by her insistent and plausible egotism that I had not

noted certain minor failures of hers due to her ignorance of the art

of spending money. She was clever at learning. But often her vanity

lured her into fancying she knew, when in fact her education in that

particular direction was all miseducation. She dressed much more

giddily in our first years in Brooklyn than she did afterwards. And in

the later years she made still further discoveries as to dress that

resulted in another revolution, away from quietness, not toward the

gaudy but toward smartness--that curious quality which makes a woman’s

toilet conspicuous without the least suggestion of the loud.

However, Edna scorned my suggestion that she make haste slowly. She

had long been engaged in a thorough study of the mode of life in

millionairedom. Newspapers, Sunday supplements, magazines, and society

novels had helped her. She had examined the exteriors of the famous

palaces. She had got into the drawing-rooms and ballrooms of two or

three palaces by way of high-priced charity tickets. She had in one

instance roamed into sitting rooms, bedrooms, bathrooms until caught

and led back by some vigilant and unbribable servant. I wonder if she

ever recalls that adventure now! Probably not. I think I have recorded

her ability absolutely to forget whatever it pleases her not to

remember. She had been educating herself, so when I suggested caution,

she replied:

“Don’t you fret, Godfrey. I know what I’m about. I’ll get what we’ve

got to have.”

And I’ll concede that she did--also, that I thought it overwhelmingly

grand at the time. It was a house in a fashionable side street,

between Madison avenue and Fifth--a magnificent house built for exactly

such a family as mine. That is, it was built entirely for show and not

at all for comfort; it fairly bristled with the luxuries and “modern

conveniences,” but most of them were of the sort that looks comfortable

but is not. The rent was some preposterous sum--thirty-five or forty

thousand a year. We had room enough for the housing of nearly a hundred

people, counting servants as people, which I believe is not the custom.

It was fitted throughout in the fashion which those clever leeches who

think out and sell luxuries have in all ages imposed upon the rich man

because it means money in their pockets. Once in a while you find a

rich man who has the courage to live as he pleases, but most of them

live as the fashion commands. And many of them have no idea that there

is any less comfortless and less foolish way to live. You imagine,

gentle reader, that people with money live in beauty and comfort. You

imagine that you could do it also if you had but the wealth. Believe

me, you deceive yourself. Beyond question a certain amount of money is

necessary to the getting of attractive and comfortable surroundings.

But there is another, an equally indispensable and a far rarer factor.

That factor, gentle reader, is intelligence--knowledge of the resources

of civilization, knowledge of the realities as to comfort, luxury, and

taste.

I am tempted to linger upon the details of the extravagance of that

first big establishment of Edna’s. It was so astounding and so

ridiculous. I saw that she had delivered us and our fortune over

to hordes of crafty, thirsty bloodsuckers--merchants, tradesmen,

servants. But her heart was set upon it, and all other rich people were

living in that same way. “You want to do the right thing by Margot,

don’t you?” said she.

“By you and Margot,” said I. “Go ahead. I guess I can find the money.”

I shan’t here go into the ways I discovered or invented for finding

that money. They were not too scrupulous, but neither were they

commercially dishonorable. I must smile there. Being of an inquiring

and jocose mind I have often tried to find an action that, in the

opinion of the most eminent commercial authorities, was absolutely

dishonorable. Never yet have I found a single action, however wrong

and even criminal in general, that they would not declare in certain

circumstances perfectly honorable. And those “certain circumstances”

could always be boiled down to the one circumstance--needing the money.

I can’t recall exactly how many servants we had to wait on us two, but

it was about thirty-five. I remember hearing my wife say one month that

our meat bill alone was about a thousand dollars. For a time I fancied

we were living more grandly than anyone else in town. But it soon

revealed itself to me that, as things went with “our class,” we were

leading rather a simple life. Certainly nothing we did marked us out

from the others in that region. The sum totals suggested that servants

stood at the front windows all day long tossing money into the street.

But nothing of the kind occurred. You would have said we ate the finest

food in wholesale quantities. Yet never did I get a notably good meal

at my own house. The coffee was always poor. The fruit was below the

average of sidewalk stands. We often had cold-storage fowls and fish

on the table. We paid for the best; I’m sure we paid for it many times

over. We got--what one always gets when the wife is too intellectual

and too busy to attend to her business. But I assure you it was grandly

served. The linen and the dishes were royal, the servants were in

liveries of impressive color and form--though I could have wished that

my wife had been as sensitive to odors as I was, and had compelled

some of those magnificent gentry to do a little bathing. Throughout

the establishment the same superb scale was maintained. We lived like

the rest of the millionaires, neither better nor worse. We lived in

grandeur and discomfort. But my wife was ecstatic, and I was therefore

content. Yes, we were very grand. And, as in Brooklyn, the glasses

came to the table with a certain sour odor not alluring as you lifted

them to drink--the odor that causes an observant man or woman to say,

“Aha--dirty rags in this perfect lady’s kitchen--dirty rags and all

that goes with them.” But only a snarling cynic would complain of these

vulgar trifles. There’s always at least a fly leg in the ointment.

“Didn’t I tell you I knew what I was about?” said Edna triumphantly.

“You did,” said I.

“Haven’t we got what we wanted?”

“We have,” said I, perhaps somewhat abruptly, for I was just then

wondering how the devil we were going to keep it.

“And if it hadn’t been for me,” proceeded she “we’d still be living in

_Brooklyn_!”

“Or in Passaic,” said I.

“Don’t _speak_ of Passaic,” she cried. “I’m trying to forget it.”

“We were very happy then,” said I.

“_I_ was miserable,” retorted she.

“I could find it in my heart to wish we weren’t _always_ attended by

servants,” said I. “I almost never see you alone.”

“What a bourgeois you are,” laughed she. Then--after a thorough glance

round to make sure housekeeper or maid or lackey wasn’t on watch--she

patted my cheek and kissed me, and added: “But you do make me happy.

I’m _so_ proud of you! No matter what I want I’m never afraid to buy

it, for I know you can get all the money you want to.”

I winced. Said I: “I’m afraid you’d not be proud of some of the ways I

get the money.”

She frowned. “Don’t talk business, please,” she said. “You know we

never have in all our married life. You’ve always respected my position

as your wife. All business is low--is mere sordidness.”

“Yes, it’s all low,” said I. “Sometimes I think all living is low as

well. Edna”--I put my arm round her--“don’t you ever feel that we’d be

_really_ happy, that we’d get something genuine out of life--if you and

Margot and I----”

She stopped my mouth with a kiss. “You never will grow up to your

station, darling.”

I said no more. Indeed, it was on hastiest impulse that I had said so

much, an impulse sprung from a mood of depression.

The cause of that mood was a nasty reverse in Wall Street. It had

rudely halted me in my triumphant way toward the security of the man of

many millions. It had set me to wavering uncertainly, with the chances

about even for resuming the march and for tumbling into the abyss of a

discreditable bankruptcy.

There are in New York two well-defined classes of the rich--the

permanently rich and the precariously rich. The permanently rich are

those who by the vastness of their wealth or by the strength of their

business and social connections cannot possibly be dislodged from the

plutocracy. The precariously rich are those who have much money and are

making more, but are not strong enough to survive a series of typhoons,

and are without the support of indissoluble business and social

connections. My friend G----, for example, head of the famous banking

house, associated in business and by marriage with half the permanent

plutocracy, was practically bankrupt in the late panic. Had he been a

man of ordinary position he would have gone into bankruptcy, and, I

more than suspect, into jail. But his fellow plutocrats dared not let

him drop, much as they would have liked to see his arrogance brought

low, much as they longed to divide among themselves his holdings of

gilt-edged securities; if he had gone down it would have made the whole

financial world tremble. He was saved. On the other hand, my friend

J----, richer actually, was ruined, was plucked by his associates, was

finally jailed for doing precisely the things every man of finance did

over and over again in that same period of stress--for, what invariably

happens to moral codes in periods of stress?

I was at that time--but not now, gentle reader, so cheer up and read

on--I was at that time in the class not of the permanently but of the

precariously rich. And through a miscalculation I had laid myself open

to the dangers that lie in wait for the man short of ready cash. The

miscalculation was as to the extravagance of my wife’s undertakings.

She, against my express request, had contracted without consulting or

telling me several enormous bills. It is idle to say she ought not have

done this. I knew her well; I should have been on guard. I had begun

my married life wrong, as the young man very much in love is apt to

do; so, to hold her love and liking, I had to keep on giving her taste

for spending money free rein. If I had not, she would have thought me

small and mean, would have made life at home exceedingly uncomfortable

for me, for I am not of those men who can take from a woman what they

wish whether she wishes to give or not. So the whole fault was mine.

When the storm broke, in the light of its first terrific flash that

illuminated for me every part of my affairs, I discovered that I was

not prepared as I had been imagining. The big bills of my wife were

presented, for the merchants knew I was heavily interested in the

stocks that were tobogganing. Those bills had to be paid, and paid

at once, or it would run like wildfire uptown and down that I was in

difficulties; and when a man is known to be in financial difficulties,

how the birds and beasts of prey from eagles and lions to buzzards and

jackals do come flapping and loping!

There followed several anxious days and nights. On one of those

nights I rose from beside my wife--we still slept together--and went

into the adjoining room. I turned on an electric light and began for

the thousandth time, I dare say, to look at the critical papers and

to grope for the desperate “way out.” I was startled by my wife’s

voice--sleepy, peevish:

“Do turn out that light and come to bed, Godfrey. You know how it

disturbs me for you to get up in the night. And I’ve such a hard day

before me to-morrow with the upholsterers and curtain people.”

I obediently turned off the light. As I was about to throw myself into

bed and draw the covers over me, a broad beam from the moon flooded

the face of a portrait on the opposite wall--the face of my daughter

Margot. I sat on the edge of the bed and looked at that face--pure,

sweet, with the same elevated expression her mother had in these days

of refinement and climbing. Said I to Edna:

“Are you asleep, dear?”

“No,” she answered crossly. “I’m waiting for you to quiet down.”

“Then--let me talk to you a few minutes.”

“Oh, please!” she cried, flinging herself to the far edge of the bed.

“You have no consideration for me--none at all.”

“Listen,” I said. “I’m face to face with ruin.”

She did not move or speak, but I could feel her intense attention.

“If I let matters take their course I can save my reputation and my

official position. But for many years we’ll have to live quietly--about

as we did in Brooklyn.”

“I _can’t_ do that,” cried she. “The fall would kill me. You know

how proud I am.... Just as I had everything ready for us to get into

society! Godfrey, how could you! And I thought you were clever at

business.”

I could not see her, nor she me, except in dimmest outline. I said:

“But we’d have each other and Margot. And my salary isn’t so small, as

salaries go.”

“Isn’t there _any_ way to avoid it?” She was sitting up in bed, her

nervous fingers upon my arm. “You must _think_, Godfrey. You mustn’t

play Margot and me this horrible trick. You mustn’t give up so easily.

You must think--think--_think_!”

“I have,” said I. “I’ve not slept for three days and nights. There’s no

way--no honest way.”

“Then there _is_ a way!” she cried.

“But not an honest one.”

She laughed scornfully. “And you pretend to love me! When my life and

Margot’s happiness are at stake you talk like a Sunday-school boy.”

“Yes,” said I. “And I’ve been thinking more or less that way lately for

the first time in years. It wasn’t long after I started when I cut my

business eye teeth. I found out that as the game lay I’d not get far

if I stuck to the old maxims of the copy book and the Sunday school.

Except by accident nobody ever got rich who followed them. To get

rich you’ve got to make a lot of people work for you and work cheap,

and you’ve got to sell what they make as dear as you can. Success in

business means taking advantage of the ignorance or the necessities of

your fellow men, or both.”

“Don’t waste time talking that kind of nonsense,” said she impatiently.

“It doesn’t mean anything to me--or to anybody, I guess. The thing

for you to do is to put your mind on the real thing--how to save your

family and yourself.”

“That’s what I’m talking about,” said I. “I’m talking about saving

myself and my family. As I told you, my troubles--the first business

troubles I’ve ever had--have set me to thinking. I’ve not been doing

right all these years. It’s true, everybody does as I’ve been doing.

It’s true I’ve been more generous and more considerate than most men

with opportunities and the sense to see them. But I’ve been doing

wrong.”

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