CD-ROM Edition Excerpt: There isn't a human being but could save a little. Every man, in America at least, could live on nine tenths of what he does live on, and save the other tenth. And the man who regularly saves no money is a fool, just a plain fool, whether he be an actor getting one thousand dollars a week or a ditch-digger getting one dollar a day. And I would get my life insured. Life insurance is the most practical way for a young man, especially if he be a professional man, or any one not gifted with the knack of making money, to achieve financial comfort. The life insurance companies are as safe as any money institution can be. You are compelled to save in order to pay your premiums, and you probably need that sort of whip. And those dependent upon you are protected against the financial distress that would be caused by your death.