The Richest Man in Babylon: George S. Clason

“A Classic From
The Diamond’s Mine Library”
The Richest
Man In Babylon
1926
George S. Clason
1
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The Richest Man In Babylon
1926
Public Domain Notice

This classic writing compliments of The Diamond’s Mine Online Library. It is
public domain and may be distributed freely.
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Index
About The Author ...................................................... 6
Foreword ................................................................ 7
An Historical Sketch of Babylon ..................................... 8
The Man Who Desired Gold..........................................14
The Richest Man In Babylon .........................................20
Seven Cures For a Lean Purse ......................................30
The First Cure .........................................................34

Start thy purse to fattening. ................................................... 34
The Second Cure ......................................................37

Control thy expenditures. ...................................................... 37
The Third Cure ........................................................39

Make thy gold multiply. ......................................................... 39
The Fourth Cure.......................................................41

Guard thy treasures from loss. ................................................ 41
The Fifth Cure .........................................................43

Make of thy dwelling a profitable investment. ............................ 43
The Sixth Cure .........................................................45

Insure a future income. ......................................................... 45
The Seventh Cure .....................................................47

Increase thy ability to earn. ................................................... 47
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Meet the Goddess of Good Luck....................................50
The Five Laws of Gold................................................62

THE FIVE LAWS OF GOLD ....................................................... 66
The First Law of Gold............................................................ 70
The Second Law of Gold ........................................................ 70
The Third Law of Gold........................................................... 70
The Fourth Law of Gold ......................................................... 71
The Fifth Law of Gold ........................................................... 71
The Gold Lender of Babylon ........................................73
The Walls of Babylon .................................................84
The Camel Trader of Babylon.......................................88
The Clay Tablets From Babylon ....................................98

Tablet No. I ........................................................................ 99
Tablet No. II...................................................................... 100
Tablet No. III..................................................................... 101
Tablet No. IV..................................................................... 101
Tablet No. V ..................................................................... 103
The Luckiest Man In Babylon...................................... 107
Brought To You By
Ahead of you stretches your future like a road leading into the distance.
Along that road are ambitions you wish to accomplish…desires you wish to
gratify.
To bring your ambitions and desires to fulfillment, you must be successful

with money. Use the financial principles made clear in the pages which
follow. Let them guide you away from the stringencies of a lean purse to
that fuller, happier life a full purse makes possible.
Like the law of gravity, they are universal and unchanging. May they prove
for you, as they have proven to so many others, a sure key to a fat purse,
larger bank balances and gratifying financial progress.
LO, MONEY IS PLENTIFUL

FOR THOSE WHO UNDERSTAND
THE SIMPLE RULES OF ITS ACQUISITION
1. Start thy purse to fattening
2. Control thy expenditures
3. Make thy gold multiply
4. Guard thy treasures from loss
5. Make of thy dwelling a profitable investment
6. Insure a future income
7. Increase thy ability to earn
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About The Author
GEORGE SAMUEL CLASON was born in Louisiana, Missouri, on November 7,
1874. He attended the University of Nebraska and served in the United States
Army during the Spanish-American War. Beginning a long career in publishing,
he founded the Clason Map Company of Denver, Colorado, and published the
first road atlas of the United States and Canada. In 1926, he issued the first of
a famous series of pamphlets on thrift and financial success, using parables
set in ancient Babylon to make each of his points. These were distributed in
large quantities by banks and insurance companies and became familiar to
millions, the most famous being "The Richest Man in Babylon," the parable
from which the present volume takes its title. These "Babylonian parables"
have become a modern inspirational classic.
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Foreword
Our prosperity as a nation depends upon the personal financial prosperity of
each of us as individuals.
This book deals with the personal successes of each of us. Success means
accomplishments as the result of our own efforts and abilities. Proper
preparation is the key to our success. Our acts can be no wiser than our
thoughts. Our thinking can be no wiser than our understanding.
This book of cures for lean purses has been termed a guide to financial
understanding. That, indeed, is its purpose: to offer those who are ambitious
for financial success an insight which will aid them to acquire money, to keep
money and to make their surpluses earn more money.
In the pages which follow, we are taken back to Babylon, the cradle in which
was nurtured the basic principles of finance now recognized and used the
world over.
To new readers the author is happy to extend the wish that its pages may
contain for them the same inspiration for growing bank accounts, greater
financial successes and the solution of difficult personal financial problems so
enthusiastically reported by readers from coast to coast.
To the business executives who have distributed these tales in such generous
quantities to friends, relatives, employees and associates, the author takes
this opportunity to express his gratitude. No endorsement could be higher
than that of practical men who appreciate its teachings because they,
themselves, have worked up to important successes by applying the very
principles it advocates.
Babylon became the wealthiest city of the ancient world because its citizens
were the richest people of their time. They appreciated the value of money.
They practiced sound financial principles in acquiring money, keeping money
and making their money earn more money. They provided for themselves
what we all desire…incomes for the future.
G. S. C.
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An Historical Sketch of Babylon
In the pages of history there lives no city more glamorous than Babylon. Its
very name conjures visions of wealth and splendor. Its treasures of gold and
jewels were fabulous. One naturally pictures such a wealthy city as located in
a suitable setting of tropical luxury, surrounded by rich natural resources of
forests, and mines. Such was not the case. It was located beside the
Euphrates River, in a flat, arid valley. It had no forests, no mines—not even
stone for building. It was not even located upon a natural trade-route. The
rainfall was insufficient to raise crops.
Babylon is an outstanding example of man's ability to achieve great

objectives, using whatever means are at his disposal. All of the resources
supporting this large city were man-developed. All of its riches were man-
made.
Babylon possessed just two natural resources—a fertile soil and water in the
river. With one of the greatest engineering accomplishments of this or any
other day, Babylonian engineers diverted the waters from the river by means
of dams and immense irrigation canals. Far out across that arid valley went
these canals to pour the life giving waters over the fertile soil. This ranks
among the first engineering feats known to history. Such abundant crops as
were the reward of this irrigation system the world had never seen before.
Fortunately, during its long existence, Babylon was ruled by successive lines
of kings to whom conquest and plunder were but incidental. While it engaged
in many wars, most of these were local or defensive against ambitious
conquerors from other countries who coveted the fabulous treasures of
Babylon. The outstanding rulers of Babylon live in history because of their
wisdom, enterprise and justice. Babylon produced no strutting monarchs who
sought to conquer the known world that all nations might pay homage to their
egotism.
As a city, Babylon exists no more. When those energizing human forces that
built and maintained the city for thousands of years were withdrawn, it soon
became a deserted ruin. The site of the city is in Asia about six hundred miles
east of the Suez Canal, just north of the Persian Gulf. The latitude is about
thirty degrees above the Equator, practically the same as that of Yuma,
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Arizona. It possessed a climate similar to that of this American city, hot and
dry.
Today, this valley of the Euphrates, once a populous irrigated farming

district, is again a wind-swept arid waste. Scant grass and desert shrubs strive
for existence against the windblown sands. Gone are the fertile fields, the
mammoth cities and the long caravans of rich merchandise. Nomadic bands of
Arabs, securing a scant living by tending small herds, are the only inhabitants.
Such it has been since about the beginning of the Christian era.
Dotting this valley are earthen hills. For centuries, they were considered by
travelers to be nothing else. The attention of archaeologists were finally
attracted to them because of broken pieces of pottery and brick washed
down by the occasional rain storms. Expeditions, financed by European and
American museums, were sent here to excavate and see what could be found.
Picks and shovels soon proved these hills to be ancient cities. City graves,
they might well be called.
Babylon was one of these. Over it for something like twenty centuries, the
winds had scattered the desert dust. Built originally of brick, all exposed
walls had disintegrated and gone back to earth once more. Such is Babylon,
the wealthy city, today. A heap of dirt, so long abandoned that no living
person even knew its name until it was discovered by carefully removing the
refuse of centuries from the streets and the fallen wreckage of its noble
temples and palaces.
Many scientists consider the civilization of Babylon and other cities in this
valley to be the oldest of which there is a definite record. Positive dates have
been proved reaching back 8000 years.
An interesting fact in this connection is the means used to determine these

dates. Uncovered in the ruins of Babylon were descriptions of an eclipse of
the sun. Modern astronomers readily computed the time when such an
eclipse, visible in Babylon, occurred and thus established a known
relationship between their calendar and our own.
In this way, we have proved that 8000 years ago, the Sumerites, who
inhabited Babylonia, were living in walled cities. One can only conjecture for
how many centuries previous such cities had existed. Their inhabitants were
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not mere barbarians living within protecting walls. They were an educated
and enlightened people. So far as written history goes, they were the first
engineers, the first astronomers, the first mathematicians, the first financiers
and the first people to have a written language.
Mention has already been made of the irrigation systems which transformed
the arid valley into an agricultural paradise. The remains of these canals can
still be traced, although they are mostly filled with accumulated sand. Some
of them were of such size that, when empty of water, a dozen horses could
be ridden abreast along their bottoms. In size they compare favorably with
the largest canals in Colorado and Utah.
In addition to irrigating the valley lands, Babylonian engineers completed

another project of similar magnitude. By means of an elaborate drainage
system they reclaimed an immense area of swamp land at the mouths of the
Euphrates and Tigris Rivers and put this also under cultivation.
Herodotus, the Greek traveler and historian, visited Babylon while it was in
its prime and has given us the only known description by an outsider. His
writings give a graphic description of the city and some of the unusual
customs of its people. He mentions the remarkable fertility of the soil and
the bountiful harvest of wheat and barley which they produced.
The glory of Babylon has faded but its wisdom has been preserved for us. For
this we are indebted to their form of records. In that distant day, the use of
paper had not been invented. Instead, they laboriously engraved their writing
upon tablets of moist clay. When completed, these were baked and became
hard tile. In size, they were about six by eight inches, and an inch in
thickness.
These clay tablets, as they are commonly called, were used much as we use
modern forms of writing. Upon them were engraved legends, poetry, history,
transcriptions of royal decrees, the laws of the land, titles to property,
promissory notes and even letters which were dispatched by messengers to
distant cities. From these clay tablets we are permitted an insight into the
intimate, personal affairs of the people. For example, one tablet, evidently
from the records of a country storekeeper, relates that upon the given date a
certain named customer brought in a cow and exchanged it for seven sacks of
wheat, three being delivered at the time and the other four to await the
customer's pleasure.
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Safely buried in the wrecked cities, archaeologists have recovered entire
libraries of these tablets, hundreds of thousands of them.
One of the outstanding wonders of Babylon was the immense walls

surrounding the city. The ancients ranked them with the great pyramid of
Egypt as belonging to the "seven wonders of the world." Queen Semiramis is
credited with having erected the first walls during the early history of the
city. Modern excavators have been unable to find any trace of the original
walls. Nor is their exact height known. From mention made by early writers,
it is estimated they were about fifty to sixty feet high, faced on the outer
side with burnt brick and further protected by a deep moat of water.
The later and more famous walls were started about six hundred years before
the time of Christ by King Nabopolassar. Upon such a gigantic scale did he
plan the rebuilding, he did not live to see the work finished. This was left to
his son, Nebuchadnezzar, whose name is familiar in Biblical history.
The height and length of these later walls staggers belief. They are reported
upon reliable authority to have been about one hundred and sixty feet high,
the equivalent of the height of a modern fifteen story office building. The
total length is estimated as between nine and eleven miles. So wide was the
top that a six-horse chariot could be driven around them. Of this tremendous
structure, little now remains except portions of the foundations and the
moat. In addition to the ravages of the elements, the Arabs completed the
destruction by quarrying the brick for building purposes elsewhere.
Against the walls of Babylon marched, in turn, the victorious armies of almost
every conqueror of that age of wars of conquest. A host of kings laid siege to
Babylon, but always in vain. Invading armies of that day were not to be
considered lightly. Historians speak of such units as 10,000 horsemen,
25,000 chariots, 1200 regiments of foot soldiers with 1000 men to the
regiment. Often two or three years of preparation would be required to
assemble war materials and depots of food along the proposed line of march.
The city of Babylon was organized much like a modern city. There were
streets and shops.
Peddlers offered their wares through residential districts. Priests officiated in

magnificent temples.
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Within the city was an inner enclosure for the royal palaces. The walls about
this were said to have been higher than those about the city.
The Babylonians were skilled in the arts. These included sculpture, painting,
weaving, gold working and the manufacture of metal weapons and
agricultural implements. Their Jewellers created most artistic jewellery.
Many samples have been recovered from the graves of its wealthy citizens
and are now on exhibition in the leading museums of the world.
At a very early period when the rest of the world was still hacking at trees
with stone-headed axes, or hunting and fighting with flint-pointed spears and
arrows, the Babylonians were using axes, spears and arrows with metal heads.
The Babylonians were clever financiers and traders. So far as we know, they
were the original inventors of money as a means of exchange, of promissory
notes and written titles to property.
Babylon was never entered by hostile armies until about 540 years before the
birth of Christ.
Even then the walls were not captured. The story of the fall of Babylon is
most unusual. Cyrus, one of the great conquerors of that period, intended to
attack the city and hoped to take its impregnable walls.
Advisors of Nabonidus, the King of Babylon, persuaded him to go forth to

meet Cyrus and give him battle without waiting for the city to be besieged. In
the succeeding defeat to the Babylonian army, it fled away from the city.
Cyrus, thereupon, entered the open gates and took possession without
resistance.
Thereafter the power and prestige of the city gradually waned until, in the
course of a few hundred years, it was eventually abandoned, deserted, left
for the winds and storms to level once again to that desert earth from which
its grandeur had originally been built. Babylon had fallen, never to rise again,
but to it civilization owes much.
The eons of time have crumbled to dust the proud walls of its temples, but
the wisdom of Babylon endures.
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Money is the medium by which earthly success is measured.
Money makes possible the enjoyment of the best the earth affords.
Money is plentiful for those who understand the simple laws which govern its
acquisition.
Money is governed today by the same laws which controlled it when

prosperous men thronged the streets of Babylon, six thousand years ago.
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The Man Who Desired Gold
Bansir, the chariot builder of Babylon, was thoroughly discouraged. From his
seat upon the low wall surrounding his property, he gazed sadly at his simple
home and the open workshop in which stood a partially completed chariot.
His wife frequently appeared at the open door. Her furtive glances in his
direction reminded him that the meal bag was almost empty and he should be
at work finishing the chariot, hammering and hewing, polishing and painting,
stretching taut the leather over the wheel rims, preparing it for delivery
so he could collect from his wealthy customer.
Nevertheless, his fat, muscular body sat stolidly upon the wall. His slow mind
was struggling patiently with a problem for which he could find no answer.
The hot, tropical sun, so typical of this valley of the Euphrates, beat down
upon him mercilessly. Beads of perspiration formed upon his brow and
trickled down unnoticed to lose themselves in tie hairy jungle on his chest.
Beyond his home towered the high terraced wall surrounding the king's
palace. Nearby, cleaving the blue heavens, was the painted tower of the
Temple of Bel. In the shadow of such grandeur was his simple home and many
others far less neat and well cared for. Babylon was like this—a mixture of
grandeur and squalor, of dazzling wealth and direst poverty, crowded
together without plan or system within the protecting walls of the city.
Behind him, had he cared to turn and look, the noisy chariots of the rich
jostled and crowded aside the sandaled tradesmen as well as the barefooted
beggars. Even the rich were forced to turn into the gutters to clear the way
for the long lines of slave water carriers, on the "King's Business," each
bearing a heavy goatskin of water to be poured upon the hanging gardens.
Bansir was too engrossed in his own problem to hear or heed the confused
hubbub of the busy city. It was the unexpected twanging of the strings from a
familiar lyre that aroused him from his reverie. He turned and looked into the
sensitive, smiling face of his best friend—Kobbi, the musician.
"May the Gods bless thee with great liberality, my good friend," began Kobbi
with an elaborate salute. "Yet, it does appear they have already been so
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generous thou needest not to labor. I rejoice with thee in thy good fortune.
More, I would even share it with thee. Pray, from thy purse which must be
bulging else thou wouldst be busy in your shop, extract but two humble
shekels and lend them to me until after the noblemen's feast this night. Thou
wilt not miss them ere they are returned."
"If I did have two shekels," Bansir responded gloomily, "to no one could I lend
them—not even to you, my best of friends; for they would be my fortune—my
entire fortune. No one lends his entire fortune, not even to his best friend."
"What," exclaimed Kobbi with genuine surprise, "Thou hast not one shekel in
thy purse, yet sit like a statue upon a wall! Why not complete that chariot?
How else canst thou provide for thy noble appetite? Tis not like thee, my
friend. Where is thy endless energy? Doth something distress thee? Have
the Gods brought to thee troubles?"
"A torment from the Gods it must be," Bansir agreed. "It began with a dream,
a senseless dream, in which I thought I was a man of means. From my belt
hung a handsome purse, heavy with coins. There were shekels which I cast
with careless freedom to the beggars; there were pieces of silver with which I
did buy finery for my wife and whatever I did desire for myself; there were
pieces of gold which made me feel assured of the future and unafraid to
spend the silver. A glorious feeling of contentment was within me! You would
not have known me for thy hardworking friend. Nor wouldst have known my
wife, so free from wrinkles was her face and shining with happiness. She was
again the smiling maiden of our early married days."
"A pleasant dream, indeed," commented Kobbi, "but why should such pleasant
feelings as it aroused turn thee into a glum statue upon the wall?"
"Why, indeed! Because when I awoke and remembered how empty was my
purse, a feeling of rebellion swept over me. Let us talk it over together, for,
as the sailors do say, we ride in the same boat, we two. As youngsters, we
went together to the priests to learn wisdom. As young men, we shared each
other's pleasures. As grown men, we have always been close friends. We have
been contented subjects of our kind. We have been satisfied to work long
hours and spend our earnings freely. We have earned much coin in the years
that have passed, yet to know the joys that come from wealth, we must
dream about them. Bah! Are we more than dumb sheep? We live in the
richest city in all the world. The travelers do say none equals it in wealth.
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About us is much display of wealth, but of it we ourselves have naught. After
half a lifetime of hard labor, thou, my best of friends, hast an empty purse
and sayest to me, "May I borrow such a trifle as two shekels until after the
noblemen's feast this night?" Then, what do I reply? Do I say, "Here is my
purse; its contents will I gladly share?' No, I admit that my purse is as empty
as thine. What is the matter? Why cannot we acquire silver and gold—more
than enough for food and robes?
"Consider, also, our sons," Bansir continued, "are they not 17following in the
footsteps of their fathers? Need they and their families and their sons and
their sons' families live all their lives in the midst of such treasurers of gold,
and yet, like us, be content to banquet upon sour goat's milk and porridge?"
"Never, in all the years of our friendship, didst thou talk like this before,
Bansir." Kobbi was puzzled.
"Never in all those years did I think like this before. From early dawn until
darkness stopped me, I have labored to build the finest chariots any man
could make, soft- heartedly hoping some day the Gods would recognize my
worthy deeds and bestow upon me great prosperity. This they have never
done. At last, I realize this they will never do. Therefore, my heart is sad. I
wish to be a man of means. I wish to own lands and cattle, to have fine robes
and coins in my purse. I am willing to work for these things with all the
strength in my back, with all the skill in my hands, with all the cunning in my
mind, but I wish my labors to be fairly rewarded. What is the matter with us?
Again I ask you! Why cannot we have our just share of the good things so
plentiful for those who have the gold with which to buy them?"
"Would I knew an answer!" Kobbi replied. "No better than thou am I satisfied.
My earnings from my lyre are quickly gone. Often must I plan and scheme that
my family be not hungry. Also, within my breast is a deep longing for a lyre
large enough that it may truly sing the strains of music that do surge through
my mind. With such an instrument could I make music finer than even the
king has heard before."
"Such a lyre thou shouldst have. No man in all Babylon could make it sing
more sweetly; could make it sing so sweetly, not only the king but the Gods
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themselves would be delighted. But how mayest thou secure it while we both
of us are as poor as the king's slaves? Listen to the bell! Here they come."
He pointed to the long column of half naked, sweating water bearers plodding
laboriously up the narrow street from the river. Five abreast they marched,
each bent under a heavy goatskin of water.
"A fine figure of a man, he who doth lead them." Kobbi indicated the wearer
of the bell who marched in front without a load. "A prominent man in his own
country, 'tis easy to see."
"There are many good figures in the line," Bansir agreed, "as good men as we.
Tall, blond men from the north, laughing black men from the south, little
brown men from the nearer countries. All marching together from the river to
the gardens, back and forth, day after day, year after year. Naught of
happiness to look forward to. Beds of straw upon which to sleep—hard grain
porridge to eat. Pity the poor brutes, Kobbi!"
"Pity them I do. Yet, thou dost make me see how little better off are we, free
men though we call ourselves."
That is truth, Kobbi, unpleasant thought though it be. We do not wish to go

on year after year living slavish lives. Working, working, working! Getting
nowhere."
"Might we not find out how others acquire gold and do as they do?" Kobbi
inquired.
“Perhaps there is some secret we might learn if we but sought from those
who knew," replied Bansir thoughtfully.
“This very day,” suggested Kobbi, "I did pass our old friend, Arkad, riding in
his golden chariot. This I will say, he did not look over my humble head as
many in his station might consider his right. Instead, he did wave his hand
that all onlookers might see him pay greetings and bestow his smile of
friendship upon Kobbi, the musician."
"He is claimed to be the richest man in all Babylon," Bansir mused.
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"So rich the king is said to seek his golden aid in affairs of the treasury," Kobbi
replied. "So rich," Bansir interrupted, "I fear if I should meet him in the
darkness of the night, I should lay my hands upon his fat wallet."
"Nonsense," reproved Kobbi, "a man's wealth is not in the purse he carries. A
fat purse quickly empties if there be no golden stream to refill it. Arkad has
an income that constantly keeps his purse full, no matter how liberally he
spends."
"Income, that is the thing," ejaculated Bansir. "I wish an income that will keep
flowing into my purse whether I sit upon the wall or travel to far lands. Arkad
must know how a man can make an income for himself. Dost suppose it is
something he could make clear to a mind as slow as mine?"
"Methinks he did teach his knowledge to his son, Nomasir," Kobbi responded.
"Did he not go to Nineveh and, so it is told at the inn, become, without aid
from his father, one of the richest men in that city?"
"Kobbi, thou bringest to me a rare thought." A new light gleamed in Bansir's

eyes. "It costs nothing to ask wise advice from a good friend and Arkad was
always that. Never mind though our purses be as empty as the falcon's nest of
a year ago. Let that not detain us. We are weary of being without gold in the
midst of plenty. We wish to become men of means. Come, let us go to Arkad
and ask how we, also, may acquire incomes for ourselves."
Thou speakest with true inspiration, Bansir. Thou bringeth to my mind a new
understanding.
Thou makest me to realize the reason why we have never found any measure
of wealth. We never sought it. Thou hast labored patiently to build the
staunchest chariots in Babylon. To that purpose was devoted your best
endeavors. Therefore, at it thou didst succeed. I strove to become a skillful
lyre player. And, at it I did succeed.
"In those things toward which we exerted our best endeavors we succeeded.
The Gods were content to let us continue thus. Now, at last, we see a light,
bright like that from the rising sun. It biddeth us to learn more that we may
prosper more. With a new understanding we shall find honourable ways to
accomplish our desires."
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"Let us go to Arkad this very day," Bansir urged, "Also, let us ask other friends
of our boyhood days, who have fared no better than ourselves, to join us that
they, too, may share in his wisdom."
"Thou wert ever thus thoughtful of thy friends, Bansir. Therefore hast thou
many friends. It shall be as thou sayest. We go this day and take them with
us."
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The Richest Man In Babylon
In old Babylon there once lived a certain very rich man named Arkad. Far and
wide he was famed for his great wealth. Also was be famed for his liberality.
He was generous in his charities. He was generous with his family. He was
liberal in his own expenses. But nevertheless each year his wealth increased
more rapidly than he spent it.
And there were certain friends of younger days who came to him and said:
"You, Arkad, are more fortunate than we. You have become the richest man
in all Babylon while we struggle for existence. You can wear the finest
garments and you can enjoy the rarest foods, while we must be content if we
can clothe our families in raiment that is presentable and feed them as best
we can.
"Yet, once we were equal. We studied under the same master. We played in
the same games. And in neither the studies nor the games did you outshine
us. And in the years since, you have been no more an honorable citizen than
we.
"Nor have you worked harder or more faithfully, insofar as we can judge.
Why, then, should a fickle fate single you out to enjoy all the good things of
life and ignore us who are equally deserving?"
Thereupon Arkad remonstrated with them, saying, "If you have not acquired
more than a bare existence in the years since we were youths, it is because
you either have failed to learn the laws that govern the building of wealth, or
else you do not observe them.
“Fickle Fate' is a vicious goddess who brings no permanent good to anyone.

On the contrary, she brings ruin to almost every man upon whom she showers
unearned gold. She makes wanton spenders, who soon dissipate all they
receive and are left beset by overwhelming appetites and desires they have
not the ability to gratify. Yet others whom she favors become misers and
hoard their wealth, fearing to spend what they have, knowing they do not
possess the ability to replace it. They further are beset by fear of robbers and
doom themselves to lives of emptiness and secret misery.
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"Others there probably are, who can take unearned gold and add to it and
continue to be happy and contented citizens. But so few are they, I know of
them but by hearsay. Think you of the men who have inherited sudden
wealth, and see if these things are not so.
"His friends admitted that of the men they knew who had inherited wealth
these words were true, and they besought him to explain to them how he had
become possessed of so much prosperity, so he continued: "In my youth I
looked about me and saw all the good things there were to bring
happiness and contentment. And I realized that wealth increased the potency
of all these. "Wealth is a power. With wealth many things are possible.
"One may ornament the home with the richest of furnishings. "One may sail
the distant seas.
"One may feast on the delicacies of far lands.
"One may buy the ornaments of the gold worker and the stone polisher.
"One may even build mighty temples for the Gods.
"One may do all these things and many others in which there is delight for the
senses and gratification for the soul.
"And, when I realized all this, I decided to myself that I would claim my share
of the good things of life. I would not be one of those who stand afar off,
enviously watching others enjoy. I would not be content to clothe myself in
the cheapest raiment that looked respectable. I would not be satisfied
with the lot of a poor man. On the contrary, I would make myself a guest at
this banquet of good things.
"Being, as you know, the son of a humble merchant, one of a large family
with no hope of an inheritance, and not being endowed, as you have so
frankly said, with superior powers or wisdom, I decided that if I was to
achieve what I desired, time and study would be required.
"As for time, all men have it in abundance. You, each of you, have let slip by
sufficient time to have made yourselves wealthy. Yet, you admit; you have
nothing to show except your good families, of which you can be justly proud.
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"As for study, did not our wise teacher teach us that learning was of two
kinds: the one kind being the things we learned and knew, and the other
being the training that taught us how to find out what we did not know?
"Therefore did I decide to find out how one might accumulate wealth, and
when I had found out, to make this my task and do it well. For, is it not wise
that we should enjoy while we dwell in the brightness of the sunshine, for
sorrows enough shall descend upon us when we depart for the darkness of the
world of spirit?
"I found employment as a scribe in the hall of records, and long hours each
day I labored upon the clay tablets. Week after week, and month after
month, I labored, yet for my 24earnings I had naught to show. Food and
clothing and penance to the gods, and other things of which I could
remember not what, absorbed all my earnings. But my determination did not
leave me.
"And one day Algamish, the money lender, came to the house of the city
master and ordered a copy of the Ninth Law, and he said to me, I must have
this in two days, and if the task is done by that time, two coppers will I give
to thee."
"So I labored hard, but the law was long, and when Algamish returned the
task was unfinished.
He was angry, and had I been his slave, he would have beaten me. But
knowing the city master would not permit him to injure me, I was unafraid,
so I said to him, 'Algamish, you are a very rich man. Tell me how I may also
become rich, and all night I will carve upon the clay, and when the sun rises
it shall be completed.'
"He smiled at me and replied, 'You are a forward knave, but we will call it a
bargain.'
"All that night I carved, though my back pained and the smell of the wick
made my head ache until my eyes could hardly see. But when he returned at
sunup, the tablets were complete.
“Now,' I said, 'tell me what you promised.'
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Brought To You By
“You have fulfilled your part of our bargain, my son,' he said to me kindly,
'and I am ready to fulfill mine. I will tell you these things you wish to know
because I am becoming an old man, and an old tongue loves to wag. And
when youth comes to age for advice he receives the wisdom of years. But too
often does youth think that age knows only the wisdom of days that are gone,
and therefore profits not. But remember this, the sun that shines today is the
sun that shone when thy father was born, and will still be shining when thy
last grandchild shall pass into the darkness.
“The thoughts of youth,' he continued, 'are bright lights that shine forth like
the meteors that oft make brilliant the sky, but the wisdom of age is like the
fixed stars that shine so unchanged that the sailor may depend upon them to
steer his course.
“Mark you well my words, for if you do not you will fail to grasp the truth that
I will tell you, and you will think that your night's work has been in vain.'
"Then he looked at me shrewdly from under his shaggy brows and said in a
low, forceful tone,
'I found the road to wealth when I decided that a part of all I earned was
mine to keep. And so will you.'
"Then he continued to look at me with a glance that I could feel pierce me

but said no more.
“Is that all?' I asked.
“That was sufficient to change the heart of a sheep herder into the heart of a
money lender,' he replied.
“But all I earn is mine to keep, is it not?' I demanded.
“Far from it,' he replied. 'Do you not pay the garment- maker? Do you not pay
the sandal-maker? Do you not pay for the things you eat? Can you live in
Babylon without spending? What have you to show for your earnings of the
past mouth? What for the past year? Fool! You pay to everyone but yourself.
Dullard, you labor for others. As well be a slave and work for what your
master gives you to eat and wear. If you did keep for yourself one-tenth of all
you earn, how much would you have in
ten years?'
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Brought To You By
"My knowledge of the numbers did not forsake me, and I answered, 'As much
as I earn in one year.'
“You speak but half the truth,' he retorted. 'Every gold piece you save is a
slave to work for you. Every copper it earns is its child that also can earn for
you. If you would become wealthy, then what you save must earn, and its
children must earn, that all may help to give to you the abundance you crave.
“You think I cheat you for your long night's work,' he continued, 'but I am
paying you a thousand times over if you have the intelligence to grasp the
truth I offer you.
“A part of all you earn is yours to keep. It should be not less than a tenth no
matter how little you earn. It can be as much more as you can afford. Pay
yourself first. Do not buy from the clothes-maker and the sandal-maker more
than you can pay out of the rest and still have enough for food and charity
and penance to the gods.
“Wealth, like a tree, grows from a tiny seed. The first copper you save is the
seed from which your tree of wealth shall grow. The sooner you plant that
seed the sooner shall the tree grow. And the more faithfully you nourish and
water that tree with consistent savings, the sooner may you bask in
contentment beneath its shade.'
"So saying, he took his tablets and went away.
"I thought much about what he had said to me, and it seemed reasonable. So I
decided that I would try it. Each time I was paid I took one from each ten
pieces of copper and hid it away. And strange as it may seem, I was no
shorter of funds, than before. I noticed little difference as I managed to get
along without it. But often I was tempted, as my hoard began to grow, to
spend it for some of the good things the merchants displayed, brought by
camels and ships from the land of the Phoenicians. But I wisely refrained.
"A twelfth month after Algamish had gone he again returned and said to me,
'Son, have you paid to yourself not less than one-tenth of all you have earned
for the past year?'
"I answered proudly, 'Yes, master, I have.' 'That is good,' he answered

beaming upon me, 'and what have you done with it?”
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Brought To You By
"I have given it to Azmur, the brick maker, who told me he was traveling over
the far seas and in Tyre he would buy for me the rare jewels of the
Phoenicians. When he returns we shall sell these at high prices and divide the
earnings.”
"Every fool must learn,” he growled, 'but why trust the knowledge of a brick
maker about jewels? Would you go to the bread maker to inquire about the
stars? No, by my tunic, you would go to the astrologer, if you had power to
think. Your savings are gone, youth, you have jerked your wealth-tree up by
the roots. But plant another. Try again. And next time if you would have
advice about jewels, go to the jewel merchant. If you would know the truth
about sheep, go to the herdsman. Advice is one thing that is freely given
away, but watch that you take only what is worth having. He who takes
advice about his savings from one who is inexperienced in such matters, shall
pay with his savings for proving the falsity of their opinions.” Saying this, he
went away.
"And it was as he said. For the Phoenicians are scoundrels and sold to Azmur
worthless bits of glass that looked like gems. But as Algamish had bid me, I
again saved each tenth copper, for I now had formed the habit and it was no
longer difficult.
"Again, twelve months later, Algamish came to the room of the scribes and
addressed me.
”What progress have you made since last I saw you?”
"I have paid myself faithfully,' I replied, 'and my savings I have entrusted to
Agger the shield maker, to buy bronze, and each fourth month he does pay
me the rental.”
"That is good. And what do you do with the rental?' "I do have a great feast
with honey and fine wine and spiced cake. Also I have bought me a scarlet
tunic. And some day I shall buy me a young ass upon which to ride.” To
which Algamish laughed, “You do eat the children of your savings. Then how
do you expect them to work for you?
And how can they have children that will also work for you?
First get thee an army of golden slaves and then many a rich banquet may you
enjoy without regret.” So saying he again went away.
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Brought To You By
"Nor did I again see him for two years, when he once more returned and his
face was full of deep lines and his eyes drooped, for he was becoming a very
old man. And he said to me, “Arkad, hast thou yet achieved the wealth thou
dreamed of?”
And I answered, “Not yet all that I desire, but some I have and it earns more,
and its earnings earn more.”
"And do you still take the advice of brick makers?”
"About brick making they give good advice,” I retorted.
"Arkad,” he continued, “you have learned your lessons well. You first learned
to live upon less than you could earn. Next you learned to seek advice from
those who were competent through their own experiences to give it. And,
lastly, you have learned to make gold work for you.”
"You have taught yourself how to acquire money, how to keep it, and how to
use it. Therefore, you are competent for a responsible position. I am
becoming an old man. My sons think only of spending and give no thought to
earning. My interests are great and I fear too much for me to look after. If
you will go to Nippur and look after my lands there, I shall make you my
partner and you shall share in my estate.”
"So I went to Nippur and took charge of his holdings, which were large. And
because I was full of ambition and because I had mastered the three laws of
successfully handling wealth, I was enabled to increase greatly the value of
his properties.
So I prospered much, and when the spirit of Algamish departed for the sphere
of darkness, I did share in his estate as he had arranged under the law." So
spake Arkad, and when he had finished his tale, one of his friends said, "You
were indeed fortunate that Algamish made of you an heir."
"Fortunate only in that I had the desire to prosper before I first met him. For
four years did I not prove my definiteness of purpose by keeping one-tenth of
all earned? Would you call a fisherman lucky who for years so studied the
habits of the fish that with each changing wind he could cast his nets about
them? Opportunity is a haughty goddess who wastes no time with those who
are unprepared."
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"You had strong will power to keep on after you lost your first year's savings.
You are unusual in that way," spoke up another.
"Will power!" retorted Arkad. "What nonsense. Do you think will power gives a
man the strength to lift a burden the camel cannot carry, or to draw a load
the oxen cannot budge? Will power is but the unflinching purpose to carry a
task you set for yourself to fulfillment. If I set for myself a task, be it ever so
trifling, I shall see it through. How else shall I have confidence in myself to do
important things? Should I say to myself, 'For a hundred days as I walk across
the bridge into the city, I will pick from the road a pebble and cast it into the
stream,' I would do it.
If on the seventh day I passed by without remembering, I would not say to

myself, Tomorrow I will cast two pebbles which will do as well.' Instead, I
would retrace my steps and cast the pebble. Nor on the twentieth day would I
say to myself, 'Arkad, this is useless. What does it avail you to cast a pebble
every day? Throw in a handful and be done with it.' No, I would not say that
nor do it. When I set a task for myself, I complete it.
Therefore, I am careful not to start difficult and impractical tasks, because I

love leisure."
And then another friend spoke up and said, "If what you tell is true, and it
does seem as you have said, reasonable, then being so simple, if all men did
it, there would not be enough wealth to go around."
Wealth grows wherever men exert energy," Arkad replied. "If a rich man
builds him a new palace, is the gold he pays out gone? No, the brickmaker has
part of it and the laborer has part of it, and the artist has part of it. And
everyone who labors upon the house has part of it Yet when the palace is
completed, is it not worth all it cost? And is the ground upon which it stands
not worth more because it is there? And is the ground that adjoins it not
worth more because it is there? Wealth grows in magic ways. No man can
prophesy the limit of it. Have not the Phoenicians built great cities on barren
coasts with the wealth that comes from their ships of commerce on the seas?"
"What then do you advise us to do that we also may become rich?" asked still
another of his friends. "The years have passed and we are no longer young
men and we have nothing put by."
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Brought To You By
"I advise that you take the wisdom of Algamish and say to yourselves, 'A part
of all I earn is mine to keep.' Say it in the morning when you first arise. Say it
at noon. Say it at night. Say it each hour of every day. Say it to yourself until
the words stand out like letters of fire across the sky.
"Impress yourself with the idea. Fill yourself with the thought. Then take
whatever portion seems wise. Let it be not less than one-tenth and lay it by.
Arrange your other expenditures to do this if necessary. But lay by that
portion first. Soon you will realize what a rich feeling it is to own a treasure
upon which you alone have claim. As it grows it will stimulate you. A new joy
of life will thrill you.
Greater efforts will come to you to earn more. For of your increased earnings,
will not the same percentage be also yours to keep?
"Then learn to make your treasure work for you. Make it your slave. Make its
children and its children's children work for you.
"Insure an income for thy future. Look thou at the aged and forget not that in
the days to come thou also will be numbered among them. Therefore invest
thy treasure with greatest caution that it be not lost. Usurious rates of return
are deceitful sirens that sing but to lure the unwary upon the rocks of loss
and remorse.
"Provide also that thy family may not want should the Gods call thee to their
realms. For such protection it is always possible to make provision with small
payments at regular intervals. Therefore the provident man delays not in
expectation of a large sum becoming available for such a wise purpose.
"Counsel with wise men. Seek the advice of men whose daily work is handling
money. Let them save you from such an error as I myself made in entrusting
my money to the judgment of Azmur, the brickmaker. A small return and a
safe one is far more desirable than risk.
"Enjoy life while you are here. Do not overstrain or try to save too much. If
one-tenth of all you earn is as much as you can comfortably keep, be content
to keep this portion. Live otherwise according to your income and let not
yourself get niggardly and afraid to spend. Life is good and life is rich with
things worthwhile and things to enjoy."
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Brought To You By
His friends thanked him and went away. Some were silent because they had
no imagination and could not understand. Some were sarcastic because they
thought that one so rich should divide with old friends not so fortunate. But
some had in their eyes a new light. They realized that Algamish had come
back each time to the room of the scribes because he was watching a man
work his way out of darkness into light. When that man had found the light, a
place awaited him. No one could fill that place until he had for himself
worked out his own understanding, until he was ready for opportunity.
These latter were the ones, who, in the following years, frequently revisited
Arkad, who received them gladly. He counseled with them and gave them
freely of his wisdom as men of broad experience are always glad to do. And
he assisted them in so investing their savings that it would bring in a good
interest with safety and would neither be lost nor entangled in investments
that paid no dividends.
The turning point in these men's lives came upon that day when they realized
the truth that had come from Algamish to Arkad and from Arkad to them.
A PART OF ALL YOU EARN IS YOURS TO KEEP.
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Seven Cures For a Lean Purse
The glory of Babylon endures. Down through the ages its reputation comes to
us as the richest of cities, its treasures as fabulous.
Yet it was not always so. The riches of Babylon were the results of the
wisdom of its people.
They first had to learn how to become wealthy.
When the Good King, Sargon, returned to Babylon after defeating his
enemies, the Elamites, he was confronted with a serious situation. The Royal
Chancellor explained it to the King thus:
"After many years of great prosperity brought to our people because your
majesty built the great irrigation canals and the mighty temples of the Gods,
now that these works are completed the people seem unable to support
themselves.
"The laborers are without employment. The merchants have few customers.
The farmers are unable to sell their produce. The people have not enough
gold to buy food."
"But where has all the gold gone that we spent for these great
improvements?" demanded the King.
"It has found its way, I fear," responded the Chancellor, "into the possession
of a few very rich men of our city. It filtered through the fingers of most our
people as quickly as the goat's milk goes through the strainer. Now that the
stream of gold has ceased to flow, most of our people have nothing to for
their earnings."
The King was thoughtful for some time. Then he asked, "Why should so few
men be able to acquire all the gold?"
"Because they know how," replied the Chancellor. "One may not condemn a
man for succeeding because he knows how. Neither may one with justice take
away from a man what he has fairly earned, to give to men of less ability."
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"But why," demanded the King, "should not all the people learn how to
accumulate gold and therefore become themselves rich and prosperous?"
Quite possible, your excellency. But who can teach them? Certainly not the
priests, because they know naught of money making."
"Who knows best in all our city how to become wealthy, Chancellor?" asked
the King.
"Thy question answers itself, your majesty. Who has amassed the greatest
wealth, in Babylon?"
"Well said, my able Chancellor. It is Arkad. He is richest man in Babylon. Bring

him before me on the morrow."
Upon the following day, as the King had decreed, Arkad appeared before him,
straight and sprightly despite his three score years and ten.
"Arkad," spoke the King, "is it true thou art the richest man in Babylon?"
"So it is reported, your majesty, and no man disputes it. "How becamest thou
so wealthy?"
"By taking advantage of opportunities available to all citizens of our good

city."
"Thou hadst nothing to start with?"
"Only a great desire for wealth. Besides this, nothing."
"Arkad," continued the King, "our city is in a very unhappy state because a
few men know how to acquire wealth and therefore monopolize it, while the
mass of our citizens lack the knowledge of how to keep any part of the gold
they receive."
It is my desire that Babylon be the wealthiest city in the world. Therefore, it

must be a city of many wealthy men. Therefore, we must teach all the people
how to acquire riches. Tell me, Arkad, is there any secret to acquiring
wealth? Can it be taught?"
"It is practical, your majesty. That which one man knows can be taught to
others."
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The king's eyes glowed. "Arkad, thou speaketh the words I wish to hear. Wilt
thou lend thyself to this great cause? Wilt thou teach thy knowledge to a
school for teachers, each of whom shall teach others until there are enough
trained to teach these truths to every worthy subject in my domain?"
Arkad bowed and said, "I am thy humble servant to command. Whatever
knowledge I possess will I gladly give for the betterment of my fellowmen and
the glory of my King. Let your good chancellor arrange for me a class of one
hundred men and I will teach to them those seven cures which did fatten my
purse, than which there was none leaner in all Babylon."
A fortnight later, in compliance with the King's command, the chosen hundred
assembled in the great hall of the Temple of Learning, seated upon colorful
rings in a semicircle. Arkad sat beside a small taboret upon which smoked a
sacred lamp sending forth a strange and pleasing odor.
"Behold the richest man in Babylon," whispered a student, nudging his

neighbor as Arkad arose. "He is but a man even as the rest of us."
"As a dutiful subject of our great King," Arkad began, "I stand before you in his
service.
Because once I was a poor youth who did greatly desire gold, and because I
found knowledge that enabled me to acquire it, he asks that I impart unto
you my knowledge.
"I started my fortune in the humblest way. I had no advantage not enjoyed as
fully by you and every citizen in Babylon."
The first storehouse of my treasure was a well-purse. I loathed its useless

emptiness. I desired it be round and full, clinking with the sound of gold.
Therefore, I sought every remedy for a lean purse. I found seven.
"To you, who are assembled before me, shall I explain the seven cures for a
lean purse which I do recommend to all men who desire much gold. Each day
for seven days will I explain to you one of the seven remedies.
"Listen attentively to the knowledge that I will impart. Debate it with me.
Discuss it among yourselves. Learn these lessons thoroughly, that ye may also
plant in your own purse the seed of wealth. First must each of you start
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wisely to build a fortune of his own. Then wilt thou be competent, and only
then, to teach these truths to others.
"I shall teach to you in simple ways how to fatten your purses. This is the first
step leading to the temple of wealth, and no man may climb who cannot
plant his feet firmly upon the first step.
"We shall now consider the first cure."
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The First Cure
Start thy purse to fattening.
Arkad addressed a thoughtful man in the second row. "My good friend, at
what craft workest thou?"
"I," replied the man, "am a scribe and carve records upon the clay tablets."
"Even at such labor did I myself earn my first coppers. Therefore, thou hast
the same opportunity to build a fortune."
He spoke to a florid-faced man, farther back. "Pray tell also what dost thou to
earn thy bread?"
"I," responded this man, "am a meat butcher. I do buy the goats the farmers
raise and kill them and sell the meat to the housewives and the hides to the
sandal makers."
"Because thou dost also labor and earn, thou hast every advantage to succeed
that I did possess."
In this way did Arkad proceed to find out how each man labored to earn his
living. When he had done questioning them, he said:
"Now, my students, ye can see that there are many trades and labors at which
men may earn coins. Each of the ways of earning is a stream of gold from
which the worker doth divert by his labors a portion to his own purse.
Therefore into the purse of each of you flows a stream of coins large or small
according to his ability. Is it not so?"
Thereupon they agreed that it was so. "Then," continued Arkad, "if each of
you desireth to build for himself a fortune, is it not wise to start by utilizing
that source of wealth which he already has established?"
To this they agreed.
Then Arkad turned to a humble man who had declared himself an egg
merchant. "If thou select one of thy baskets and put into it each morning ten
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eggs and take out from it each evening nine eggs, what will eventually
happen?"
"It will become in time overflowing."
"Why?"
"Because each day I put in one more egg than I take out."
Arkad turned to the class with a smile. "Does any man here have a lean
purse?"
First they looked amused. Then they laughed. Lastly they waved their purses
in jest.
"All right," he continued, "Now I shall tell thee the first remedy I learned to
cure a lean purse.
Do exactly as I have suggested to the egg merchant. For every ten coins thou
placest within thy purse take out for use but nine. Thy purse will start to
fatten at once and its increasing weight will feel good in thy hand and bring
satisfaction to thy soul.
"Deride not what I say because of its simplicity. Truth is always simple. I told
thee I would tell how built my fortune. This was my beginning. I, too, carried
a lean purse and cursed it because there was naught within to satisfy my
desires. But when I began to take out from my purse but nine parts of ten I
put in, it began to fatten. So will thine.
"Now I will tell a strange truth, the reason for which I know not. When I
ceased to pay out more than nine-tenths of my earnings, I managed to get
along just as well. I was not shorter than before. Also, ere long, did coins
come to me more easily than before. Surely it is a law of the Gods that unto
him who keepeth and spendeth not a certain part of all his earnings, shall
gold come more easily.
Likewise, him whose purse is empty does gold avoid.
"Which desirest thou the most? Is it the gratification of thy desires of each
day, a jewel, a bit of finery, better raiment, more food; things quickly gone
and forgotten? Or is it substantial belongings, gold, lands, herds,
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merchandise, income-bringing investments? The coins thou takest from thy
purse bring the first. The coins thou leavest within it will bring the latter.
"This, my students, was the first cure I did discover for my lean purse: 'For
each ten coins I put in, to spend but nine.' Debate this amongst yourselves. If
any man proves it untrue, tell me upon the morrow when we shall meet
again."
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The Second Cure
Control thy expenditures.
"Some of your members, my students, have asked me this: How can a man
keep one-tenth of all he earns in his purse when all the coins he earns are not
enough for his necessary expenses?" So did Arkad address his students upon
the second day.
"Yesterday how many of thee carried lean purses?"
"All of us," answered the class.
"Yet, thou do not all earn the same. Some earn much more than others. Some
have much larger families to support. Yet, all purses were equally lean. Now I
will tell thee an unusual truth about men and sons of men. It is this; That
what each of us calls our 'necessary expenses' will always grow to equal our
incomes unless we protest to the contrary.
"Confuse not the necessary expenses with thy desires. Each of you, together
with your good families, have more desires than your earnings can gratify.
Therefore are thy earnings spent to gratify these desires insofar as they will
go. Still thou retainest many ungratified desires.
"All men are burdened with more desires than they can gratify. Because of my
wealth thinkest thou I may gratify every desire? 'Tis a false idea. There are
limits to my time. There are limits to my strength. There are limits to the
distance I may travel. There are limits to what I may eat. There are limits to
the zest with which I may enjoy.
"I say to you that just as weeds grow in a field wherever the farmer leaves
space for their roots, even so freely do desires grow in men whenever there is
a possibility of their being gratified. Thy desires are a multitude and those
that thou mayest gratify are but few.
"Study thoughtfully thy accustomed habits of living. Herein may be most often
found certain accepted expenses that may wisely be reduced or eliminated.
Let thy motto be one hundred percent of appreciated value demanded for
each coin spent.
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"Therefore, engrave upon the clay each thing for which thou desireth to
spend. Select those that are necessary and others that are possible through
the expenditure of nine- tenths of thy income. Cross out the rest and consider
them but a part of that great multitude of desires that must go unsatisfied
and regret them not.
"Budget then thy necessary expenses. Touch not the one- tenth that is
fattening thy purse. Let this be thy great desire that is being fulfilled. Keep
working with thy budget, keep adjusting it to help thee. Make it thy first
assistant in defending thy fattening purse."
Hereupon one of the students, wearing a robe of red and gold, arose and said,
"I am a free man.
I believe that it is my right to enjoy the good things of life. Therefore do I

rebel against the slavery of a budget which determines just how much I may
spend and for what. I feel it would take much pleasure from my life and make
me little more than a pack-ass to carry a burden."
To him Arkad replied, "Who, my friend, would determine thy budget?"
"I would make it for myself," responded the protesting one.
"In that case were a pack-ass to budget his burden would he include therein
jewels and rugs and heavy bars of gold? Not so. He would include hay and
grain and a bag of water for the desert trail.
"The purpose of a budget is to help thy purse to fatten. It is to assist thee to

have thy necessities and, insofar as attainable, thy other desires. It is to
enable thee to realize thy most cherished desires by defending them from thy
casual wishes. Like a bright light in a dark cave thy budget shows up the leaks
from thy purse and enables thee to stop them and control thy expenditures
for definite and gratifying purposes.
"This, then, is the second cure for a lean purse. Budget thy expenses that
thou mayest have coins to pay for thy necessities, to pay for thy enjoyments
and to gratify thy worthwhile desires without spending more than nine-
tenths of thy earnings."
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The Third Cure
Make thy gold multiply.
"Behold thy lean purse is fattening. Thou hast disciplined thyself to leave
therein one-tenth of all thou earneth. Thou hast controlled thy expenditures
to protect thy growing treasure. Next, we will consider means to put thy
treasure to labor and to increase. Gold in a purse is gratifying to own and
satisfieth a miserly soul but earns nothing. The gold we may retain from our
earnings is but the start.
The earnings it will make shall build our fortunes." So spoke Arkad upon the
third day to his class.
"How therefore may we put our gold to work? My first investment was
unfortunate, for I lost all. Its tale I will relate later. My first profitable
investment was a loan I made to a man named Aggar, a shield maker. Once
each year did he buy large shipments of bronze brought from across the sea
to use in his trade. Lacking sufficient capital to pay the merchants, he would
borrow from those who had extra coins. He was an honorable man. His
borrowing he would repay, together with a liberal rental, as he sold his
shields.
"Each time I loaned to him I loaned back also the rental he had paid to me.
Therefore not only did my capital increase, but its earnings likewise
increased. Most gratifying was it to have these sums return to my purse.
"I tell you, my students, a man's wealth is not in the coins he carries in his
purse; it is the income he buildeth, the golden stream that continually
floweth into his purse and keepeth it always bulging. That is what every man
desireth. That is what thou, each one of thee desireth; an income that
continueth to come whether thou work or travel.
"Great income I have acquired. So great that I am called a very rich man. My
loans to Aggar were my first training in profitable investment. Gaining
wisdom from this experience, I extended my loans and investments as my
capital increased. From a few sources at first, from many sources later,
flowed into my purse a golden stream of wealth available for such wise uses
as I should decide.
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"Behold, from my humble earnings I had begotten a hoard of golden slaves,
each laboring and earning more gold. As they labored for me, so their
children also labored and their children's children until great was the income
from their combined efforts.
"Gold increaseth rapidly when making reasonable earnings as thou wilt see
from the following:
A farmer, when his first son was born, took ten pieces of silver to a money
lender and asked him to keep it on rental for his son until he became twenty
years of age. This the money lender did, and agreed the rental should be one-
fourth of its value each four years. The farmer asked, because this sum he
had set aside as belonging to his son, that the rental be add to the principal.
"When the boy had reached the age of twenty years, the farmer again went to
the money lender to inquire about the silver. The money lender explained
that because this sum had been increased by compound interest, the original
ten pieces of silver had now grown to thirty and one-half pieces.
"The farmer was well pleased and because the son did not need the coins, he
left them with the money lender. When the son became fifty years of age,
the father meantime having passed to the other world, the money lender paid
the son in settlement one hundred and sixty-seven pieces of silver.
"Thus in fifty years had the investment multiplied itself at rental almost
seventeen times.
"This, then, is the third cure for a lean purse: to put each coin to laboring
that it may reproduce its kind even as the flocks of the field and help bring to
thee income, a stream of wealth that shall flow constantly into thy purse."
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The Fourth Cure
Guard thy treasures from loss.
"Misfortune loves a shining mark. Gold in a man's purse must be guarded with
firmness, else it be lost. Thus it is wise that we must first secure small
amounts and learn to protect them before the Gods entrust us with larger."
So spoke Arkad upon the fourth day to his class.
"Every owner of gold is tempted by opportunities whereby it would seem that

he could make large sums by its investment in most plausible projects. Often
friends and relatives are eagerly entering such investment and urge him to
follow.
"The first sound principle of investment is security for thy principal. Is it wise
to be intrigued by larger earnings when thy principal may be lost? I say not.
The penalty of risk is probable loss. Study carefully, before parting with thy
treasure, each assurance that it may be safely reclaimed. Be not misled by
thine own romantic desires to make wealth rapidly.
"Before thou loan it to any man assure thyself of his ability to repay and his
reputation for doing so, that thou mayest not unwittingly be making him a
present of thy hard-earned treasure.
"Before thou entrust it as an investment in any field acquaint thyself with the
dangers which may beset it.
"My own first investment was a tragedy to me at the time. The guarded
savings of a year I did entrust to a brick maker, named Azmur, who was
traveling over the far seas and in Tyre agreed to buy for me the rare jewels
of the Phoenicians. These we would sell upon his return and divide the
profits.
The Phoenicians were scoundrels and sold him bits of glass. My treasure was
lost. Today, my training would show to me at once the folly of entrusting a
brick maker to buy jewels.
"Therefore, do I advise thee from the wisdom of my experiences: be not too

confident of thine own wisdom in entrusting thy treasures to the possible
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pitfalls of investments. Better by far to consult the wisdom of those
experienced in handling money for profit. Such advice is freely given for the
asking and may readily possess a value equal in gold to the sum thou
considerest investing. In truth, such is its actual value if it save thee from
loss.
"This, then, is the fourth cure for a lean purse, and of great importance if it
prevent thy purse from being emptied once it has become well filled. Guard
thy treasure from loss by investing only where thy principal is safe, where it
may be reclaimed if desirable, and where thou will not fail to collect a fair
rental. Consult with wise men. Secure the advice of those experienced in the
profitable handling of gold. Let their wisdom protect thy treasure from
unsafe investments."
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The Fifth Cure
Make of thy dwelling a profitable investment.
"If a man setteth aside nine parts of his earnings upon which to live and enjoy
life, and if any part of this nine parts he can turn into a profitable investment
without detriment to his wellbeing, then so much faster will his treasures
grow." So spake Arkad to his class at their fifth lesson.
"All too many of our men of Babylon do raise their families in unseemly
quarters. They do pay to exacting landlords liberal rentals for rooms where
their wives have not a spot to raise the blooms that gladden a woman's heart
and their children have no place to play their games except in the unclean
alleys.
"No man's family can fully enjoy life unless they do have a plot of ground
wherein children can play in the clean earth and where the wife may raise
not only blossoms but good rich herbs to feed her family.
"To a man's heart it brings gladness to eat the figs from his own trees and the
grapes of his own vines. To own his own domicile and to have it a place he is
proud to care for, putteth confidence in his heart and greater effort behind
all his endeavors. Therefore, do I recommend that every man own the roof
that sheltereth him and his.
"Nor is it beyond the ability of any well intentioned man to own his home.
Hath not our great king so widely extended the walls of Babylon that within
them much land is now 48unused and may be purchased at sums most
reasonable?
"Also I say to you, my students, that the money lenders gladly consider the
desires of men who seek homes and land for their families. Readily may thou
borrow to pay the brick maker and the builder for such commendable
purposes, if thou can show a reasonable portion of the necessary sum which
thou thyself hath provided for the purpose.
"Then when the house be built, thou canst pay the money lender with the
same regularity as thou didst pay the landlord. Because each payment will
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reduce thy indebtedness to the money lender, a few years will satisfy his
loan.
"Then will thy heart be glad because thou wilt own in thy own right a valuable
property and thy only cost will be the king's taxes.
"Also wilt thy good wife go more often to the river to wash thy robes, that
each time returning she may bring a goatskin of water to pour upon the
growing things.
"Thus come many blessings to the man who owneth his own house. And
greatly will it reduce his cost of living, making available more of his earnings
for pleasures and the gratification of his desires. This, then, is the fifth cure
for a lean purse: Own thy own home"
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The Sixth Cure
Insure a future income.
"The life of every man proceedeth from his childhood to his old age. This is
the path of life and no man may deviate from it unless the Gods call him
prematurely to the world beyond. Therefore do I say that it behooves a man
to make preparation for a suitable income in the days to come, when he is no
longer young, and to make preparations for his family should he be no longer
with them to comfort and support them. This lesson shall instruct thee in
providing a full purse when time has made thee less able to learn." So Arkad
addressed his class upon the sixth day.
"The man who, because of his understanding of the laws of wealth, acquireth
a growing surplus, should give thought to those future days. He should plan
certain investments or provision that may endure safely for many years, yet
will be available when the time arrives which he has so wisely anticipated.
"There are diverse ways by which a man may provide with safety for his
future. He may provide a hiding place and there bury a secret treasure. Yet,
no matter with what skill it be hidden, it may nevertheless become the loot
of thieves. For this reason I recommend not this plan.
"A man may buy houses or lands for this purpose. If wisely chosen as to their
usefulness and value in the future, they are permanent in their value and
their earnings or their sale will provide well
for his purpose.
"A man may loan a small sum to the money lender and increase it at regular
periods. The rental which the money lender adds to this will largely add to its
increase. I do know a sandal maker, named Ansan, who explained to me not
long ago that each week for eight years he had deposited with his money
lender two pieces of silver. The money lender had but recently given him an
accounting over which he greatly rejoiced. The total of his small deposits
with their rental at the customary rate of one-fourth their value for each four
years, had now become a thousand and forty pieces of silver.
"I did gladly encourage him further by demonstrating to him with my

knowledge of the numbers that in twelve years more, if he would keep his
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regular deposits of but two pieces of silver each week, the money lender
would then owe him four thousand pieces of silver, a worthy competence for
the rest of his life.
"Surely, when such a small payment made with regularity doth produce such
profitable results, no man can afford not to insure a treasure for his old age
and the protection of his family, no matter how prosperous his business and
his investments may be.
"I would that I might say more about this. In my mind rests a belief that some
day wise-thinking men will devise a plan to insure against death whereby
many men pay in but a trifling sum regularly, the aggregate making a
handsome sum for the family of each member who passeth to the beyond.
This do I see as something desirable and which I could highly recommend.
But today it is not possible because it must reach beyond the life of any man
or any partnership to operate. It must be as stable as the King's throne. Some
day do I feel that such a plan shall come to pass and be a great blessing to
many men, because even the first small payment will make available a snug
fortune for the family of a member should he pass on.
"But because we live in our own day and not in the days which are to come,
must we take advantage of those means and ways of accomplishing our
purposes. Therefore do I recommend to all men, that they, by wise and well
thought out methods, do provide against a lean purse in their mature years.
For a lean purse to a man no longer able to earn or to a family without its
head is a sore tragedy.
"This, then, is the sixth cure for a lean purse. Provide in advance for the
needs of thy growing age and the protection of thy family."
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The Seventh Cure
Increase thy ability to earn.
"This day do I speak to thee, my students, of one of the most vital remedies
for a lean purse.
Yet, I will talk not of gold but of yourselves, of the men beneath the robes of
many colors who do sit before me. I will talk to you of those things within the
minds and lives of men which do work for or against their success." So did
Arkad address his class upon the seventh day.
"Not long ago came to me a young man seeking to borrow. When I questioned
him the cause of his necessity, he complained that his earnings were
insufficient to pay his expenses. Thereupon I explained to him, this being the
case, he was a poor customer for the money lender, as he possessed no
surplus earning capacity to repay the loan.
“What you need, young man,' I told him, 'is to earn more coins. What dost
thou to increase thy capacity to earn?'
“All that I can do' he replied. 'Six times within two moons have I approached
my master to request my pay be increased, but without success. No man can
go oftener than that.”
"We may smile at his simplicity, yet he did possess one of the vital
requirements to increase his earnings. Within him was a strong desire to earn
more, a proper and commendable desire.
"Preceding accomplishment must be desire. Thy desires must be strong and

definite. General desires are but weak longings. For a man to wish to be rich
is of little purpose. For a man to desire five pieces of gold is a tangible desire
which he can press to fulfillment. After he has backed his desire for five
pieces of gold with strength of purpose to secure it, next he can find similar
ways to obtain ten pieces and then twenty pieces and later a thousand pieces
and, behold, he has become wealthy. In learning to secure his one definite
small desire, he hath trained himself to secure a larger one. This is the
process by which wealth is accumulated: first in small sums, then in larger
ones as a man learns and becomes more capable.
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"Desires must be simple and definite. They defeat their own purpose should
they be too many, too confusing, or beyond a man's training to accomplish."
As a man perfecteth himself in his calling even so doth his ability to earn
increase. In those days when I was a humble scribe carving upon the clay for a
few coppers each day, I observed that other workers did more than I and
were paid more. Therefore, did I determine that I would be exceeded by
none. Nor did it take long for me to discover the reason for their greater
success. More interest in my work, more concentration upon my task, more
persistence in my effort, and, behold, few men could carve more tablets in a
day than I. With reasonable promptness my increased skill was rewarded, nor
was it necessary for me to go six times to my master to request recognition.
"The more of wisdom we know, the more we may earn. That man who seeks
to learn more of his craft shall be richly rewarded. If he is an artisan, he may
seek to learn the methods and the tools of those most skillful in the same
line. If he laboreth at the law or at healing, he may consult and exchange
knowledge with others of his calling. If he be a merchant, he may continually
seek better goods that can be purchased at lower prices.
"Always do the affairs of man change and improve because keen-minded men
seek greater skill that they may better serve those upon whose patronage
they depend. Therefore, I urge all men to be in the front rank of progress and
not to stand still, lest they be left behind. "Many things come to make a man's
life rich with gainful experiences. Such things as the following, a man must do
if he respect himself:
"He must pay his debts with all the promptness within his power, not
purchasing that for which he is unable to pay.
"He must take care of his family that they may think and speak well of him.
"He must make a will of record that, in case the Gods call him, proper and
honorable division of his property be accomplished.
"He must have compassion upon those who are injured and smitten by
misfortune and aid them within reasonable limits. He must do deeds of
thoughtfulness to those dear to him.
"Thus the seventh and last remedy for a lean purse is to cultivate thy own
powers, to study and become wiser, to become more skillful, to so act as to
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respect thyself. Thereby shalt thou acquire confidence in thy self to achieve
thy carefully considered desires.
"These then are the seven cures for a lean purse, which, out of the
experience of a long and successful life, I do urge for all men who desire
wealth. "There is more gold in Babylon, my students, than thou dreamest of.
There is abundance for all.
"Go thou forth and practice these truths that thou mayest prosper and grow
wealthy, as is thy right.
"Go thou forth and teach these truths that every honorable subject of his
majesty may also share liberally in the ample wealth of our beloved city."
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Meet the Goddess of Good Luck
"If a man be lucky, there is no foretelling the possible extent of his good
fortune. Pitch him into the Euphrates and like as not he will swim out with
a pearl in his hand."
—Babylonian Proverb.
The desire to be lucky is universal. It was just as strong in the breasts of men
four thousand years ago in ancient Babylon as it is in the hearts of men today.
We all hope to be favored by the whimsical Goddess of Good Luck.
Is there some way we can meet her and attract, not only her favorable
attention, but her generous favors? Is there a way to attract good luck?
That is just what the men of ancient Babylon wished to know. It is exactly
what they decided to find out. They were shrewd men and keen thinkers.
That explains why their city became the richest and most powerful city of
their time.
In that distant past, they had no schools or colleges. Nevertheless they had a
center of learning and a very practical one it was. Among the towered
buildings in Babylon was one that ranked in importance with the Palace of the
King, the Hanging Gardens and the temples of the Gods. You will find scant
mention of it in the history books, more likely no mention at all, yet it
exerted a powerful influence upon the thought of that time.
This building was the Temple of Learning where the wisdom of the past was
expounded by voluntary teachers and where subjects of popular interest were
discussed in open forums. Within its walls all men met as equals. The
humblest of slaves could dispute with impunity the opinions of a prince of the
royal house.
Among the many who frequented the Temple of Learning, was a wise rich
man named Arkad, called the richest man in Babylon. He had his own special
hall where almost any evening a large group of men, some old, some very
young, but mostly middle-aged, gathered to discuss and argue interesting
subjects. Suppose we listen in to see whether they knew how to attract good
luck.
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The sun had just set like a great red ball of fire shining through the haze of
desert dust when Arkad strolled to his accustomed platform. Already full four
score men were awaiting his arrival, reclining on their small rugs spread upon
the floor. More were still arriving.
"What shall we discuss this night?" Arkad inquired.
After a brief hesitation, a tall cloth weaver addressed him, arising as was the
custom. "I have a subject I would like to hear discussed yet hesitate to offer
lest it seem ridiculous to you, Arkad, and my good friends here."
Upon being urged to offer it, both by Arkad and by calls from the others, he
continued: "This day I have been lucky, for I have found a purse in which
there are pieces of gold. To continue to be lucky is my great desire. Feeling
that all men share with me this desire, I do suggest we debate how to attract
good luck that we may discover ways it can be enticed to one."
"A most interesting subject has been offered, Arkad commented, "one most
worthy of our discussion. To some men, good luck bespeaks but a chance
happening that, like an accident, may befall one without purpose or reason.
Others do believe that the instigator of all good fortune is our most bounteous
goddess, Ashtar, ever anxious to reward with generous gifts those who please
her. Speak up, my friends, what say you, shall we seek to find if there be
means by which good luck may be enticed to visit each and all of us?"
"Yea! Yea! And much of it!" responded the growing group of eager listeners.
Thereupon Arkad continued, "To start our discussion, let us first hear from
those among us who have enjoyed experiences similar to that of the cloth
weaver in finding or receiving, without effort upon their part, valuable
treasures or jewels."
There was a pause in which all looked about expecting someone to reply but
no one did.
"What, no one?" Arkad said, "then rare indeed must be this kind of good luck.
Who now will offer a suggestion as to where we shall continue our search?"
That I will do," spoke a well-robed young man, arising. "When a man speaketh
of luck is it not natural that his thoughts turn to the gaining tables? Is it not
there we find many men courting the favour of the goddess in hope she will
bless them with rich winnings?"
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As he resumed his seat a voice called, "Do not stop! Continue thy story! Tell
us, didst thou find favor with the goddess at the gaming tables? Did she turn
the cubes with red side up so thou filled thy purse at the dealer's expense or
did she permit the blue sides to come up so the dealer raked in thy hard-
earned pieces of silver?"
The young man joined the good-natured laughter, then replied, "I am not
averse to admitting she seemed not to know I was even there. But how about
the rest of you?
Have you found her waiting about such places to roll the cubes, in your favor?
We are eager to hear as well as to learn."
"A wise start," broke in Arkad. "We meet here to consider all sides of each
question. To ignore the gaming table would be to overlook an instinct
common to most men, the love of taking a chance with a small amount of
silver in the hope of winning much gold."
"That doth remind me of the races but yesterday," called out another
listener. "If the goddess frequents the gaming tables, certainly she dost not
overlook the races where the gilded chariots and the foaming horses offer far
more excitement. Tell us honestly, Arkad, didst she whisper to you to place
your bet upon those grey horses from Nineveh yesterday? I was standing just
behind thee and could scarce believe my ears when I heard thee place thy bet
upon the greys. Thou knowest as well as any of us that no team in all Assyria
can beat our beloved bays in a fair race.
"Didst the goddess whisper in thy ear to bet upon the greys because at the
last turn the inside black would stumble and so interfere with our bays that
the greys would win the race and score an unearned victory?"
Arkad smiled indulgently at the banter. "What reason have we to feel the
good goddess would take that much interest in any man's bet upon a horse
race? To me she is a goddess of love and dignity whose pleasure it is to aid
those who are in need and to reward those who are deserving. I look to find
her, not at the gaming tables or the races where men lose more gold than
they win but in other places where the doings of men are more worthwhile
and more worthy of reward.
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"In tilling the soil, in honest trading, in all of man's occupations, there is
opportunity to make a profit upon his efforts and his transactions. Perhaps
not all the time will he be rewarded because sometimes his judgment may be
faulty and other times the winds and the weather may defeat his efforts. Yet,
if he persists, he may usually expect to realize his profit. This is so because
the chances of profit are always in his favor.
"But, when a man playeth the games, the situation is reversed for the chances
of profit are always against him and always in favor of the game keeper. The
game is so arranged that it will always favor the keeper. It is his business at
which he plans to make a liberal profit for himself from the coins bet by the
players. Few players realize how certain are the game keeper's profits and
how uncertain are their own chances to win.
"For example, let us consider wagers placed upon the cube. Each time it is
cast we bet which side will be uppermost. If it be the red side the game
master pays to us four times our bet. But if any other of the five sides come
uppermost, we lose our bet. Thus the figures show that for each cast we have
five chances to lose, but because the red pays four for one, we have four
chances to win. In a night's play the game master can expect to keep for his
profit one-fifth of all the coins wagered. Can a man expect to win more than
occasionally against odds so arranged that he should lose one-fifth of all his
bets?"
"Yet some men do win large sums at times," volunteered one of the listeners.
"Quite so, they do," Arkad continued. "Realizing this, the question comes to
me whether money secured in such ways brings permanent value to those
who are thus lucky. Among my acquaintances are many of the successful men
of Babylon, yet among them I am unable to name a single one who started his
success from such a source.
"You who are gathered here tonight know many more of our substantial
citizens. To me it would be of much interest to learn how many of our
successful citizens can credit the gaming tables with their start to success.
Suppose each of you tell of those you know. What say you?"
After a prolonged silence, a wag ventured, 'Wouldst thy inquiry include the
game keepers?" "If you think of no one else," Arkad responded.
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"If not one of you can think of anyone else, then how about yourselves? Are
there any consistent winners with us who hesitate to advise such a source for
their incomes?"
His challenge was answered by a series of groans from the rear taken up and
spread amid much laughter.
"It would seem we are not seeking good luck in such places as the goddess
frequents," he continued. "Therefore let us explore other fields. We have not
found it in picking up lost wallets.
Neither have we found it haunting the gaming tables. As to the races, I must
confess to have lost far more coins there than I have ever won.
"Now, suppose we consider our trades and businesses. Is it not natural if we

conclude a profitable transaction to consider it not good luck but a just
reward for our efforts? I am inclined to think we may be overlooking the gifts
of the goddess. Perhaps she really does assist us when we do not appreciate
her generosity. Who can suggest further discussion?"
Thereupon an elderly merchant arose, smoothing his genteel white robe.

"With thy permission, most honorable Arkad and my friends, I offer a
suggestion. If, as you have said, we take credit to our own industry and ability
for our business success, why not consider the successes we almost enjoyed
but which escaped us, happenings which would have been most profitable.
They would have been rare examples of good luck if they had actually
happened. Because they were not brought to fulfillment we cannot consider
them as our just rewards. Surely many men here have such experiences to
relate."
"Here is a wise approach," Arkad approved. "Who among you have had good
luck within your grasp only to see it escape?"
Many hands were raised, among them that of the merchant. Arkad motioned
to him to speak.
"As you suggested this approach, we should like to hear first from you."
"I will gladly relate a tale," he resumed, "that doth illustrate how closely unto
a man good luck may approach and how blindly he may permit it to escape,
much to his loss and later regret.
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"Many years ago, when I was a young man, just married and well-started to
earning, my father did come one day and urge most strongly that I enter in an
investment. The son of one of his good friends had taken notice of a barren
tract of land not far beyond the outer walls of our city. It lay high above the
canal where no water could reach it.
"The son of my father's friend devised a plan to purchase this land, build
three large water wheels that could be operated by oxen and thereby raise
the life-giving waters to the fertile soil. This accomplished, he planned to
divide into small tracts and sell to the residents of the city for herb patches.
"The son of my father's friend did not possess sufficient gold to complete such
an undertaking. Like myself, he was a young man earning a fair sum. His
father, like mine, was a man of large family and small means. He, therefore,
decided to interest a group of men to enter the enterprise with him. The
group was to comprise twelve, each of whom must be a money earner and
agree to pay one-tenth of his earnings into the enterprise until the land was
made ready for sale. All would then share justly in the profits in proportion to
their investment."
'Thou, my son,' bespoke my father unto me, 'art now in thy young manhood. It
is my deep desire that thou begin the building of a valuable estate for myself
that thou mayest become respected among men. I desire to see thou profit
from a knowledge of the thoughtless mistakes of thy father.“
This do I most ardently desire, my father,' I replied.
“Then, this do I advise. Do what I should have done at thy age. From thy
earnings keep out one-tenth to put into favorable investments. With this one-
tenth of thy earnings and what it will also earn, thou canst, before thou art
my age, accumulate for thyself a valuable estate.
“Thy words are words of wisdom, my father. Greatly do I desire riches. Yet
there are many uses to which my earnings are called. Therefore, do I hesitate
to do as thou dost advise. I am young.
There is plenty of time.'
“So I thought at thy age, yet behold, many years have passed and I have not
yet made the beginning.'
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“We live in a different age, my father. I shall avoid thy mistakes.'
“Opportunity stands before thee, my son. It is offering a chance that may

lead to wealth. I beg of thee, do not delay. Go upon the morrow to the son of
my friend and bargain with him to pay ten percent of thy earnings into this
investment. Go promptly upon the morrow. Opportunity waits for no man.
Today it is here; soon it is gone. Therefore, delay not!'
"In spite of the advice of my father, I did hesitate. There were beautiful new
robes just brought by the tradesmen from the East, robes of such richness and
beauty my good wife and I felt we must each possess one. Should I agree to
pay one-tenth of my earnings into the enterprise, we must deprive ourselves
of these and other pleasures we dearly desired. I delayed making a decision
until it was too late, much to my subsequent regret. The enterprise did prove
to be more profitable than any man had prophesied. This is my tale, showing
how I did permit good luck to escape."
"In this tale we see how good luck waits to come to that man who accepts
opportunity," commented a swarthy man of the desert. "To the building of an
estate there must always be the beginning. That start may be a few pieces of
gold or silver which a man diverts from his earnings to his first investment. I,
myself, am the owner of many herds. The start of my herds I did begin when I
was a mere boy and did purchase with one piece of silver a young calf. This,
being the beginning of my wealth, was of great importance to me.
"To take his first start to building an estate is as good luck as can come to any
man. With all men, that first step, which changes them from men who earn
from their own labor to men who draw dividends from the earnings of their
gold, is important. Some, fortunately, take it when young and thereby
outstrip in financial success those who do take it later or those unfortunate
men, like the father of this merchant, who never take it.
"Had our friend, the merchant, taken this step in his early manhood when this
opportunity came to him, this day he would be blessed with much more of
this world's goods. Should the good luck of our friend, the cloth weaver,
cause him to take such a step at this time, it will indeed be but the beginning
of much greater good fortune."
"Thank you! I like to speak, also." A stranger from another country arose. "I
am a Syrian. Not so well do I speak your tongue. I wish to call this friend, the
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merchant, a name. Maybe you think it not polite, this name. Yet I wish to call
him that. But, alas, I not know your word for it. If I do call it in Syrian, you
will not understand. Therefore, please some good gentlemen, tell me that
right name you call man who puts off doing those things that mighty good for
him."
"Procrastinator," called a voice.
"That's him," shouted the Syrian, waving his hands excitedly, "he accepts not
opportunity when she comes. He waits. He says I have much business right
now. Bye and bye I talk to you. Opportunity, she will not wait for such slow
fellow. She thinks if a man desires to be lucky he will step quick. Any man not
step quick when opportunity comes, he big procrastinator like our friend, this
merchant."
The merchant arose and bowed good naturedly in response to the laughter.
"My admiration to thee, stranger within our gates, who hesitates not to speak
the truth."
"And now let us hear another tale of opportunity. Who has for us another
experience?" demanded Arkad.
"I have," responded a red-robed man of middle age. "I am a buyer of animals,
mostly camels and horses. Sometimes I do also buy the sheep and goats. The
tale I am about to relate will tell truthfully how opportunity came one night
when I did least expect it. Perhaps for this reason I did let it escape. Of this
you shall be the judge.
"Returning to the city one evening after a disheartening ten- days' journey in
search of camels, I was much angered to find the gates of the city closed and
locked. While my slaves spread our tent for the night, which we looked to
spend with little food and no I water, I was approached by an elderly farmer
who, like ourselves, found himself locked outside.
“Honored sir,' he addressed me, 'from thy appearance, I do judge thee to be a

buyer. If this be so, much would I like to sell to thee the most excellent flock
of sheep just driven up. Alas, my good wife lies very sick with the fever. I
must return with all haste. Buy thou my sheep that I and my slaves may
mount our camels and travel back without delay."
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"So dark it was that I could not see his flock, but from the bleating I did know
it must be large.
Having wasted ten days searching for camels I could not find, I was glad to
bargain with him. In his anxiety, he did set a most reasonable price. I
accepted, well knowing my slaves could drive the flock through the city gates
in the morning and sell at a substantial profit.
The bargain concluded, I called my slaves to bring torches that we might

count the flock which the farmer declared to contain nine hundred. I shall not
burden you, my friends, with a description of our difficulty in attempting to
count so many thirsty, restless, milling sheep. It proved to be an impossible
task. Therefore, I bluntly informed the farmer I would count them at daylight
and pay him then.
“Please, most honorable sir,' he pleaded, 'pay me but two-thirds of the price
tonight that I may be on my way. I will leave my most intelligent and
educated slave to assist to make the count in the morning. He is trustworthy
and to him thou canst pay the balance.
"But I was stubborn and refused to make payment that night. Next morning,
before I awoke, the city gates opened and four buyers rushed out in search of
flocks. They were most eager and willing to pay high prices because the city
was threatened with siege, and food was not plentiful. Nearly three times the
price at which he had offered the flock to me did the old farmer receive for
it. Thus was rare good luck allowed to escape."
"Here is a tale most unusual," commented Arkad. "What wisdom doth it

suggest?"
"The wisdom of making a payment immediately when we are convinced our

bargain is wise," suggested a venerable saddle maker. "If the bargain be good,
then dost thou need protection against thy own weaknesses as much as
against any other man. We mortals are changeable. Alas, I must say more apt
to change our minds when right than wrong. Wrong, we are stubborn indeed.
Right, we are prone to vacillate and let opportunity escape. My first
judgment is my best. Yet always have I found it difficult to compel myself to
proceed with a good bargain when made. Therefore, as a protection against
my own weaknesses, I do make a prompt deposit thereon. This doth save me
from later regrets for the good luck that should have been mine."
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"Thank you! Again I like to speak." The Syrian was upon his feet once more.
"These tales much alike. Each time opportunity fly away for same reason.
Each time she come to procrastinator, bringing good plan. Each time they
hesitate, not say, right now best time, I do it quick. How can men succeed
that way?"
"Wise are thy words, my friend," responded the buyer. "Good luck fled from
procrastination in both these tales. Yet, this is not unusual. The spirit of
procrastination is within all men. We desire riches; yet, how often when
opportunity doth appear before us, that spirit of procrastination from within
doth urge various delays in our acceptance.
In listening to it we do become our own worst enemies. "In my younger days I

did not know it by this long word our friend from Syria doth enjoy. I did think
at first it was my own poor judgment that did cause me loss of many
profitable trades. Later, I did credit it to my stubborn disposition. At last, I
did recognize it for what it was—a habit of needless delaying where action
was required, action prompt and decisive. How I did hate it when its true
character stood revealed. With the bitterness of a wild ass hitched to a
chariot, I did break loose from this enemy to my success."
"Thank you! I like ask question from Mr. Merchant." The Syrian was speaking.
"You wear fine robes, not like those of poor man. You speak like successful
man. Tell us, do you listen now when procrastination whispers in your ear?"
"Like our friend the buyer, I also had to recognize and conquer
procrastination," responded the merchant. "To me, it proved to be an enemy,
ever watching and waiting to thwart my accomplishments.
The tale I did relate is but one of many similar instances I could tell to show
how it drove away my opportunities. Tis not difficult to conquer, once
understood. No man willingly permits the thief to rob his bins of grain. Nor
does any man willingly permit an enemy to drive away his customers and rob
him of his profits. When once I did recognize that such acts as these my
enemy was committing, with determination I conquered him. So must every
man master his own spirit of procrastination before he can expect to share in
the rich treasures of Babylon.
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"What sayest, Arkad? Because thou art the richest man in Babylon, many do
proclaim thee to be the luckiest. Dost agree with me that no man can arrive
at a full measure of success until he hath completely crushed the spirit of
procrastination within him?"
"It is even as thou sayest," Arkad admitted. "During my long life I have
watched generation following generation, marching forward along those
avenues of trade, science and learning that lead to success in life.
Opportunities came to all these men. Some grasped theirs and moved steadily
to the gratification of their deepest desires, but the majority hesitated,
faltered and fell behind."
Arkad turned to the cloth weaver. Thou didst suggest that we debate good
luck. Let us hear what thou now thinkest upon the subject."
"I do see good luck in a different light. I had thought of it as something most
desirable that might happen to a man without effort upon his part. Now, I do
realize such happenings are not the sort of thing one may attract to himself.
From our discussion have I learned that to attract good luck to oneself, it is
necessary to take advantage of opportunities. Therefore, in the future, I shall
endeavor to make the best of such opportunities as do come to me."
"Thou hast well grasped the truths brought forth in our discussion," Arkad
replied. "Good luck, we do find, often follows opportunity but seldom comes
otherwise. Our merchant friend would have found great good luck had he
accepted the opportunity the good goddess did present to him. Our friend the
buyer, likewise, would have enjoyed good luck had he completed the
purchase of the flock and sold at such a handsome profit.
"We did pursue this discussion to find a means by which good luck could be
enticed to us. I feel that we have found the way. Both the tales did illustrate
how good luck follows opportunity. Herein lies a truth that many similar tales
of good luck, won or lost, could not change. The truth is this: Good luck can
be enticed by accepting opportunity.
"Those eager to grasp opportunities for their betterment, do attract the

interest of the good goddess. She is ever anxious to aid those who please her.
Men of action please her best.
"Action will lead thee forward to the successes thou dost desire."
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MEN OF ACTION ARE FAVORED BY THE GODDESS OF GOOD LUCK
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The Five Laws of Gold
"A bag heavy with gold or a clay tablet carved with words of wisdom; if thou
hadst thy choice, which wouldst thou choose?"
By the flickering light from the fire of desert shrubs, the sun-tanned faces of
the listeners gleamed with interest.
"The gold, the gold," chorused the twenty-seven.
Old Kalabab smiled knowingly.
"Hark," he resumed, raising his hand. "Hear the wild dogs out there in the
night. They howl and wail because they are lean with hunger. Yet feed them,
and what do they? Fight and strut. Then fight and strut some more, giving no
thought to the morrow that will surely come.
"Just so it is with the sons of men. Give them a choice of gold and wisdom—
what do they do?
Ignore the wisdom and waste the gold. On the morrow they wail because they
have no more gold.
"Gold is reserved for those who know its laws and abide by them."
Kalabab drew his white robe close about his lean legs, for a cool night wind
was blowing.
"Because thou hast served me faithfully upon our long journey, because thou
cared well for my camels, because thou toiled uncomplainingly across the hot
sands of the desert, because thou fought bravely the robbers that sought to
despoil my merchandise, I will tell thee this night the tale of the five laws of
gold, such a tale as thou never hast heard before.
"Hark ye, with deep attention to the words I speak, for if you grasp their
meaning and heed them, in the days that come thou shalt have much gold."
He paused impressively. Above in a canopy of blue, the stars shone brightly in

the crystal clear skies of Babylonia. Behind the group loomed their faded
tents tightly staked against possible desert storms. Beside the tents were
neatly stacked bales of merchandise covered with skins. Nearby the camel
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herd sprawled in the sand, some chewing their cuds contentedly, others
snoring in hoarse discord.
"Thou hast told us many good tales, Kalabab," spoke up the chief packer. "We
look to thy wisdom to guide us upon the morrow when our service with thee
shall be at an end."
"I have but told thee of my adventures in strange and distant lands, but this
night I shall tell thee of the wisdom of Arkad, the wise rich man."
"Much have we heard of him," acknowledged the chief packer, "for he was the
richest man that ever lived in Babylon."
"The richest man he was, and that because be was wise in the ways of gold,
even as no man had ever been before him. This night shall I tell you of his
great wisdom as it was told to me by Nomasir, his son, many years ago in
Nineveh, when I was but a lad.
"My master and myself had tarried long into the night in the palace of
Nomasir. I had helped my master bring great bundles of fine rugs, each one to
be tried by Nomasir until his choice of colors was satisfied. At last he was
well pleased and commanded us to sit with him and to drink a rare vintage
odorous to the nostrils and most warming to my stomach, which was
unaccustomed to such a drink.
"Then, did he tell us this tale of the great wisdom of Arkad, his father, even
as I shall tell it to you.
"In Babylon it is the custom, as you know, that the sons of wealthy fathers
live with their parents in expectation of inheriting the estate. Arkad did not
approve of this custom. Therefore, when Nomasir reached man's estate, he
sent for the young man and addressed him:
“My son, it is my desire that thou succeed to my estate. Thou must, however,
first prove that thou art capable of wisely handling it. Therefore, I wish that
thou go out into the world and show thy ability both to acquire gold and to
make thyself respected among men.
“To start thee well, I will give thee two things of which I, myself, was denied
when I started as a poor youth to build up a fortune.
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“First, I give thee this bag of gold. If thou use it wisely, it will be the basis of
thy future success.
“Second, I give thee this clay tablet upon which is carved the five laws of
gold. If thou dost but interpret them in thy own acts, they shall bring thee
competence and security.
“Ten years from this day come thou back to the house of thy father and give
account of thyself. If thou prove worthy, I will then make thee the heir to my
estate. Otherwise, I will give it to the priests that they may barter for my
soul the land consideration of the gods.'
"So Nomasir went forth to make his own way, taking his bag of gold, the clay
tablet carefully wrapped in silken cloth, his slave and the horses upon which
they rode.
"The ten years passed, and Nomasir, as he had agreed, returned to the house
of his father who provided a great feast in his honor, to which he invited
many friends and relatives. After the feast was over, the father and mother
mounted their throne-like seats at one side of the great hall, and Nomasir
stood before them to give an account of himself as he had promised his
father.
It was evening. The room was hazy with smoke from the wicks of the oil
lamps that but dimly lighted it. Slaves in white woven jackets and tunics
fanned the humid air rhythmically with long-stemmed palm leaves. A stately
dignity colored the scene. The wife of Nomasir and his two young sons, with
friends and other members of the family, sat upon rugs behind him, eager
listeners.
“My father,' he began deferentially, I bow before thy wisdom. Ten years ago
when I stood at the gates of manhood, thou bade me go forth and become a
man among men, instead of remaining a vassal to thy fortune.
“Thou gave me liberally of thy gold. Thou gave me liberally of thy wisdom. Of
the gold, alas!
I must admit of a disastrous handling. It fled, indeed, from my inexperienced

hands even as a wild hare flees at the first opportunity from the youth who
captures it.'
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The father smiled indulgently. “Continue, my son, thy tale interests me in all
its details.”
“I decided to go to Nineveh, as it was a growing city, believing that I might

find there opportunities. I joined a caravan and among its members made
numerous friends. Two well-spoken men who had a most beautiful white
horse as fleet as the wind were among these.
“As we journeyed, they told me in confidence that in Nineveh was a wealthy

man who owned a horse so swift that it had never been beaten. Its owner
believed that no horse living could run with greater speed. Therefore, would
he wager any sum however large that his horse could outspeed any horse in
all Babylonia. Compared to their horse, so my friends said, it was but a
lumbering ass that could be beaten with ease.
“They offered, as a great favor, to permit me to join them in a wager. I was

quite carried away with the plan.
“Our horse was badly beaten and I lost much of my gold.' The father laughed.
'Later, I discovered that this was a deceitful plan of these men and they
constantly journeyed with caravans seeking victims. You see, the man in
Nineveh was their partner and shared with them the bets he won.
This shrewd deceit taught me my first lesson in looking out for myself.
“I was soon to learn another, equally bitter. In the caravan was another
young man with whom I became quite friendly. He was the son of wealthy
parents and, like myself, journeying to Nineveh to find a suitable location.
Not long after our arrival, he told me that a merchant had died and his shop
with its rich merchandise and patronage could be secured at a paltry price.
Saying that we would be equal partners but first he must return to Babylon to
secure his gold, he prevailed upon me to purchase the stock with my gold,
agreeing that his would be used later to carry on our venture.
“He long delayed the trip to Babylon, proving in the meantime to be an

unwise buyer and a foolish spender. I finally put him out, but not before the
business had deteriorated to where we had only unsalable goods and no gold
to buy other goods. I sacrificed what was left to an Israelite for a pitiful sum.
“Soon there followed, I tell you, my father, bitter days. I sought employment
and found it not, for I was without trade or training that would enable me to
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earn. I sold my horses. I sold my slave. I sold my extra robes that I might have
food and a place to sleep, but each day grim want crouched closer.
“But in those bitter days, I remembered thy confidence in me, my father.
Thou hadst sent me forth to become a man, and this I was determined to
accomplish.' The mother buried her face and wept softly. “At this time, I
bethought me of the table thou had given to me upon which thou had carved
the five laws of gold. Thereupon, I read most carefully thy words of wisdom,
and realized that had I but sought wisdom first, my gold would not have been
lost to me.
I learned by heart each law and determined that, when once more the
goddess of good fortune smiled upon me, I would be guided by the wisdom of
age and not by the inexperience of youth.
“For the benefit of you who are seated here this night, I will read the wisdom
of my father as engraved upon the clay tablet which he gave to me ten years
ago:
THE FIVE LAWS OF GOLD
I. Gold cometh gladly and in increasing quantity to any man who will put
by not less than one-tenth of his earngs to create an estate for his
future and that of his family.
II. Gold laboreth diligently and contentedly for the wise owner who finds
for it profitable employment, multiplying even as the flocks of the
field.
III. Gold clingeth to the protection of the cautious owner who invests it
under the advice of men wise in its handling.
IV. Gold slippeth away from the man who invests it in businesses or
purposes with which he is not familiar or which are not approved by
those skilled in its keep.
V. Gold flees the man who would force it to impossible earnings or who
followeth the alluring advice of tricksters and schemers or who trusts
it to his own inexperience and romantic desires in investment.
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“These are the five laws of gold as written by my father. I do proclaim them
as of greater value than gold itself, as I will show by the continuance of my
tale.'
"He again faced his father. 'I have told thee of the depth of poverty and
despair to which my inexperience brought me.
“However, there is no chain of disasters that will not come to an end. Mine
came when I secured employment managing a crew of slaves working upon
the new outer wall of the city. "
'Profiting from my knowledge of the first law of gold, I saved a copper from
my first earnings, adding to it at every opportunity until I had a piece of
silver. It was a slow procedure, for one must live.
I did spend grudgingly, I admit, because I was determined to earn back before
the ten years were over as much gold as you, my father, had given to me.
“One day the slave master, with whom I had become quite friendly, said to
me: "Thou art a thrifty youth who spends not wantonly what he earns. Hast
thou gold put by that is not earning?" "
'Yes,' I replied, 'It is my greatest desire to accumulate gold to replace that

which my father gave to me and which I have lost.'
“Tis a worthy ambition, I will grant, and do you know that the gold which you
have saved can work for you and earn much more gold?"
“Alas! my experience has been bitter, for my father's gold has fled from me,
and I am in much fear lest my own do the same.'
“If thou hast confidence in me, I will give thee a lesson in the profitable
handling of gold," he replied. "Within a year the outer wall will be complete
and ready for the great gates of bronze that will be built at each entrance to
protect the city from the king's enemies.
In all Nineveh there is not enough metal to make these gates and the king has
not thought to provide it. Here is my plan: A group of us will pool our gold
and send a caravan to the mines of copper and tin, which are distant, and
bring to Nineveh the metal for the gates. When the king says, 'Make the great
gates,' we alone can supply the metal and a rich price he will pay. If the king
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will not buy from us, we will yet have the metal which can be sold for a fair
price."
“In his offer I recognized an opportunity to abide by the third law and invest
my savings under the guidance of wise men. Nor was I disappointed. Our pool
was a success, and my small store of gold was greatly increased by the
transaction.
“In due time, I was accepted as a member of this same group in other
ventures. They were men wise in the profitable handling of gold. They talked
over each plan presented with great care, before entering upon it. They
would take no chance on losing their principal or tying it up in unprofitable
investments from which their gold could not be recovered. Such foolish things
as the horse race and the partnership into which I had entered with my
inexperience would have had scant consideration with them. They would have
immediately pointed out their weaknesses.
“Through my association with these men, I learned to safely invest gold to

bring profitable returns. As the years went on, my treasure increased more
and more rapidly. I not only made back as much as I lost, but much more.
“Through my misfortunes, my trials and my success, I have tested time and

again the wisdom of the five laws of gold, my father, and have proven them
true in every test. To him who is without knowledge of the five laws, gold
comes not often, and goeth away quickly. But to him who abide by the five
laws, gold comes and works as his dutiful slave.'
"Nomasir ceased speaking and motioned to a slave in the back of the room.
The slave brought forward, one at a time, three heavy leather bags. One of
these Nomasir took and placed upon the floor before his father addressing
him again:
“Thou didst give to me a bag of gold, Babylon gold. Behold in its place, I do
return to thee a bag of Nineveh gold of equal weight An equal exchange, as
all will agree.
“Thou didst give to me a clay tablet inscribed with wisdom. Behold, in its
stead, I do return two bags of gold.' So saying, he took from the slave the
other two bags and, likewise, placed them upon the floor before his father.
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“This I do to prove to thee, my father, of how much greater value I consider
thy wisdom than thy gold. Yet, who can measure in bags of gold, the value of
wisdom? Without wisdom, gold is quickly lost by those who have it, but with
wisdom, gold can be secured by those who have it not, as these three bags of
gold do prove.
“It does, indeed, give to me the deepest satisfaction, my father, to stand

before thee and say that, because of thy wisdom, I have been able to become
rich and respected before men.'
"The father placed his hand fondly upon the head of Nomasir. 'Thou hast
learned well thy lessons, and I am, indeed, fortunate to have a son to whom I
may entrust my wealth.'
" Kalabab ceased his tale and looked critically at his listeners.
"What means this to thee, this tale of Nomasir?" he continued.
"Who amongst thee can go to thy father or to the father of thy wife and give
an account of wise handling of his earnings?
"What would these venerable men think were you to say: 'I have traveled
much and learned much and labored much and earned much, yet alas, of gold
I have little. Some I spent wisely, some I spent foolishly and much I lost in
unwise ways.'
"Dost still think it but an inconsistency of fate that some men have much gold
and others have naught? Then you err.
"Men have much gold when they know the five laws of gold and abide
thereby.
"Because I learned these five laws in my youth and abided by them, I have
become a wealthy merchant. Not by some strange magic did I accumulate my
wealth.
"Wealth that comes quickly goeth the same way.
"Wealth that stayeth to give enjoyment and satisfaction to its owner comes
gradually, because it is a child born of knowledge and persistent purpose.
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"To earn wealth is but a slight burden upon the thoughtful man. Bearing the
burden consistently from year to year accomplishes the final purpose.
"The five laws of gold offer to thee a rich reward for their observance. "Each
of these five laws is rich with meaning and lest thou overlook this in the
briefness of my tale, I will now repeat them. I do know them each by heart
because in my youth, I could see their value and would not be content until I
knew them word for word.
The First Law of Gold

Gold cometh gladly and in increasing quantity to any man who will put by not
less than one-tenth of his earnings to create an estate for his future and that
of his family.
"Any man who will put by one-tenth of his earnings consistently and invest it
wisely will surely create a valuable estate that will provide an income for him
in the future and further guarantee safety for his family in case the gods call
him to the world of darkness. This law always sayeth that gold cometh gladly
to such a man. I can truly certify this in my own life. The more gold I
accumulate, the more readily it comes to me and in increased quantities. The
gold which I save earns more, even as yours will, and its earnings earn more,
and this is the working out of the first law."
The Second Law of Gold

Gold laboreth diligently and contentedly for the wise owner who finds for it
profitable employment, multiplying even as the flocks of the field.
"Gold, indeed, is a willing worker. It is ever eager to multiply when

opportunity presents itself. To every man who hath a store of gold set by,
opportunity comes for its most profitable use. As the years pass, it multiplies
itself in surprising fashion."
The Third Law of Gold

Gold clingeth to the protection of the cautious owner who invests it under
the advice of men wise in its handling.
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"Gold, indeed, clingeth to the cautious owner, even as it flees the careless
owner. The man who seeks the advice of men wise in handling gold soon
learneth not to jeopardize his treasure, but to preserve in safety and to enjoy
in contentment its consistent increase."
The Fourth Law of Gold

Gold slippeth away from the man who invests it in businesses or purposes
with which he is not familiar or which are not approved by those skilled in
its keep.
To the man who hath gold, yet is not skilled in its handling, many uses for it
appear most profitable. Too often these are fraught with danger of loss, and
if properly analyzed by wise men, show small possibility of profit. Therefore,
the inexperienced owner of gold who trusts to his own judgment and invests
it in business or purposes with which he is not familiar, too often finds his
judgment imperfect, and pays with his treasure for his inexperience. Wise,
indeed is he who investeth his treasures under the advice of men skilled In
the ways of gold."
The Fifth Law of Gold

Gold flees the man who would force it to impossible earnings or who
followeth the alluring advice of tricksters and schemers or who trusts it to
his own inexperience and romantic desires in investment.
"Fanciful propositions that thrill like adventure tales always come to the new
owner of gold. These appear to endow his treasure with magic powers that
will enable it to make impossible earnings. Yet heed ye the wise men for
verily they know the risks that lurk behind every plan to make great wealth
suddenly.
"Forget not the rich men of Nineveh who would take no chance of losing their
principal or tying it up in unprofitable investments. "This ends my tale of the
five laws of gold. In telling it to thee, I have told the secrets of my own
success.
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"Yet, they are not secrets but truths which every man must first learn and
then follow who wishes to step out of the multitude that, like you wild dogs,
must worry each day for food to eat.
"Tomorrow, we enter Babylon. Look! See the fire that burns eternal above the
Temple of Bel! We are already in sight of the golden city. Tomorrow, each of
thee shall have gold, the gold thou has so well earned by thy faithful services.
"Ten years from this night, what can you tell about this gold?
"If there be men among you, who, like Nomasir, will use a portion of their
gold to start for themselves an estate and be thenceforth wisely guided by
the wisdom of Arkad, ten years from now, 'tis a safe wager, like the son of
Arkad, they will be rich and respected among men.
"Our wise acts accompany us through life to please us and to help us. Just as
surely, our unwise acts follow us to plague and torment us. Alas, they cannot
be forgotten. In the front rank of the torments that do follow us are the
memories of the things we should have done, of the opportunities which
came to us and we took not.
"Rich are the treasures of Babylon, so rich no man can count their value in
pieces of gold. Each year, they grow richer and more valuable. Like the
treasures of every land, they are a reward, a rich reward awaiting those men
of purpose who determine to secure their just share.
"In the strength of thine own desires is a magic power. Guide this power with
thy knowledge of the five laws of gold and thou shall share the treasures of
Babylon."
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The Gold Lender of Babylon
Fifty pieces of gold! Never before had Rodan, the spearmaker of old Babylon,
carried so much gold in his leather wallet. Happily down the king's highway
from the palace of his most liberal Majesty he strode. Cheerfully the gold
clinked as the wallet at his belt swayed with each step—the sweetest music
he had ever heard.
Fifty pieces of gold! All his! He could hardly realize his good fortune. What
power in those clinking discs! They could purchase anything he wanted, a
grand house, land, cattle, camels, horses, chariots, whatever he might
desire.
What use should he make of it? This evening as he turned into a side street
towards the home of his sister, he could think of nothing he would rather
possess than those same glittering, heavy pieces of gold—his to keep.
It was upon an evening some days later that a perplexed Rodan entered the
shop of Mathon, the lender of gold and dealer in jewels and rare fabrics.
Glancing neither to the right nor the left at the colorful articles artfully
displayed, he passed through to the living quarters at the rear. Here he found
the genteel Mathon lounging upon a rug partaking of a meal served by a black
slave.
"I would counsel with thee for I know not what to do." Rodan stood stolidly,
feet apart, hairy breast exposed by the gaping front of his leather jacket.
Mathon's narrow, sallow face smiled a friendly greeting. "What indiscretions
hast thou done that thou shouldst seek the lender of gold? Hast been unlucky
at the gaming table? Or hath some plump dame entangled thee? For many
years have I known thee, yet never hast thou sought me to aid thee in thy
troubles."
"No, no. Not such as that. I seek no gold. Instead I crave thy wise advice."
"Hear! Hear! What this man doth say. No one comes to the lender of gold for
advice. My ears must play me false."
"They listen true."
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"Can this be so? Rodan, the spearmaker, doth display more cunning than all
the rest, for he comes to Mathon, not for gold, but for advice. Many men
come to me for gold to pay for their follies, but as for advice, they want it
not. Yet who is more able to advise than the lender of gold to whom many
men come in trouble?
"Thou shalt eat with me, Rodan," he continued. Thou shalt be my guest for
the evening. Andol" he commanded of the black slave, "draw up a rag for my
friend, Rodan, the spearmaker, who comes for advice. He shall be mine
honored guest. Bring to him much food and get for him my largest cup.
Choose well of the best wine that he may have satisfaction in the drinking.
"Now, tell me what troubles thee."
"It is the king's gift."
"The king's gift? The king did make thee a gift and it gives thee trouble? What
manner of gift?"
"Because he was much pleased with the design I did submit to him for a new
point on the spears of the royal guard, he did present me with fifty pieces of
gold, and now I am much perplexed.
"I am beseeched each hour the sun doth travel across the sky by those who
would share it with me."
"That is natural. More men want gold than have it, and would wish one who
comes by it easily to divide. But can you not say "No?" Is thy will not as strong
as thy fist?"
"To many I can say no, yet sometimes it would be easier to say yes. Can one
refuse to share with one's sister to whom he is deeply devoted?"
"Surely, thy own sister would not wish to deprive thee of enjoying thy
reward."
"But it is for the sake of Araman, her husband, whom she wishes to see a rich
merchant. She does feel that he has never had a chance and she beseeches
me to loan to him this gold that he may become a prosperous merchant and
repay me from his profits."
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"My friend," resumed Mathon, “tis a worthy subject thou bringest to discuss.
Gold bringeth unto its possessor responsibility and a changed position with his
fellow men. It bringeth fear lest he lose it or it be tricked away from him. It
bringeth a feeling of power and ability to do good. Likewise, it bringeth
opportunities whereby his very good intentions may bring him into
difficulties.
"Didst ever hear of the farmer of Nineveh who could understand the language
of animals? I wot not, for 'tis not the kind of tale men like to tell over the
bronze caster's forge. I will tell it to thee for thou shouldst know that to
borrowing and lending there is more than the passing of gold from the hands
of one to the hands of another.
"This farmer, who could understand what the animals said to each other, did
linger in the farm yard each evening just to listen to their words. One evening
he did hear the ox bemoaning to the ass the hardness of his lot: 'I do labor
pulling the plow from morning until night. No matter how 87hot the day, or
how tired my legs, or how the bow doth chafe my neck, still must I work. But
you are a creature of leisure. You are trapped with a colorful blanket and do
nothing more than carry our master about where he wishes to go. When he
goes nowhere you do rest and eat the green grass all the day.'
"Now the ass, in spite of his vicious heels, was a goodly fellow and
sympathized with the ox.
'My good friend, he replied, 'you do work very hard and I would help ease your
lot. Therefore, will I tell you how you may have a day of rest. In the morning
when the slave comes to fetch you to the plow, lie upon the ground and
bellow much that he may say you are sick and cannot work.'
"So the ox took the advice of the ass and the next morning the slave returned
to the farmer and told him the ox was sick and could not pull the plow.
“Then,' said the farmer, "hitch the ass to the plow for the plowing must go
on.'
"All that day the ass, who had only intended to help his friend, found himself
compelled to do the ox's task. When night came and he was released from the
plow his heart was bitter and his legs were weary and his neck was sore
where the bow had chafed it.
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"The farmer lingered in the barnyard to listen.
"The ox began first. 'You are my good friend. Because of your wise advice I
have enjoyed a day of rest.'
“And I,' retorted the ass, 'am like many another simple-hearted one who
starts to help a friend and ends up by doing his task for him. Hereafter you
draw your own plow, for I did hear the master tell the slave to send for the
butcher were you sick again. I wish he would, for you are a lazy fellow.'
Thereafter they spoke to each other no more— this ended their friendship.
Canst thou tell the moral to this tale, Rodan?"
“Tis a good tale," responded Rodan, "but I see not the moral."
"I thought not that you would. But it is there and simple too. Just this: If you
desire to help thy friend, do so in a way that will not bring thy friend's
burdens upon thyself."
"I had not thought of that. It is a wise moral. I wish not to assume the burdens
of my sister's husband. But tell me. You lend to many. Do not the borrowers
repay?"
Mathon smiled the smile of one whose soul is rich with much experience.
"Could a loan be well made if the borrower cannot repay? Must not the lender
be wise and judge carefully whether his gold can perform a useful purpose to
the borrower and return to him once more; or whether it will be wasted by
one unable to use it wisely and leave him without his treasure, and leave the
borrower with a debt he cannot repay? I will show to thee the tokens in my
token chest and let them tell thee some of their stories."
Into the room he brought a chest as long as his arm covered with red pigskin
and ornamented with bronze designs. He placed it upon the floor and
squatted before it, both hands upon the lid.
"From each person to whom I lend, I do exact a token for my token chest, to
remain there until the loan is repaid. When they repay I give back, but if they
never repay it will always remind me of one who was not faithful to my
confidence.
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"The safest loans, my token box tells me, are to those whose possessions are
of more value than the one they desire. They own lands, or jewels, or
camels, or other things which could be sold to repay the loan. Some of the
tokens given to me are jewels of more value than the loan. Others are
promises that if the loan be not repaid as agreed they will deliver to me
certain property settlement. On loans like those I am assured that my gold
will be returned with the rental thereon, for the loan is based on property.
"In another class are those who have the capacity to earn. They are such as
you, who labor or serve and are paid. They have income and if they are
honest and suffer no misfortune, I know that they also can repay the gold I
loan them and the rental to which I am entitled. Such loans are based on
human effort.
"Others are those who have neither property nor assured earning capacity.
Life is hard and there will always be some who cannot adjust themselves to
it. Alas for the loans I make them, even though they be no larger than a
pence, my token box may censure me in the years to come unless they be
guaranteed by good friends of the borrower who know him honorable."
Mathon released the clasp and opened the lid. Rodan leaned forward eagerly.
At the top of the chest a bronze neck-piece lay upon a scarlet cloth. Mathon
picked up the piece and patted it affectionately. "This shall always remain in
my token chest because the owner has passed on into the great darkness. I
treasure, it, his token, and I treasure his memory; for he was my good friend.
We traded together with much success until out of the east he brought a
woman to wed, beautiful, but not like our women. A dazzling creature. He
spent his gold lavishly to gratify her desires.
He came to me in distress when his gold was gone. I counseled with him. I
told him I would help him to once more master his own affairs. He swore by
the sign of the Great Bull that he would. But it was not to be. In a quarrel she
thrust a knife into the heart he dared her to pierce."
"And she?" questioned Rodan.
"Yes, of course, this was hers." He picked up the scarlet cloth. "In bitter
remorse she threw herself into the Euphrates. These two loans will never be
repaid. The chest tells you, Rodan, that humans in the throes of great
emotions are not safe risks for the gold lender.
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"Here! Now this is different." He reached for a ring carved of ox bone. "This
belongs to a farmer. I buy the rugs of his women. The locusts came and they
had not food. I helped him and when the new crop came he repaid me. Later
he came again and told of strange goats in a distant land as described by a
traveler. They had long hair so fine and soft it would weave into rugs more
beautiful than any ever seen in Babylon. He wanted a herd but he had no
money. So I did lend him gold to make the journey and bring back goats. Now
his herd is begun and next year I shall surprise the lords of Babylon with the
most expensive rugs it has been their good fortune to buy. Soon I must return
his ring.
He doth insist on repaying promptly."
"Some borrowers do that?' queried Rodan.
"If they borrow for purposes that bring money back to them, I find it so. But if
they borrow because of their indiscretions, I warn thee to be cautious if thou
wouldst ever have thy gold back in hand again."
“Tell me about this,” requested Rodan, picking up a heavy gold bracelet inset
with jewels in rare designs.
"The women do appeal to my good friend," bantered Mathon.
”I am still much younger than you," retorted Rodan.
"I grant that, but this time thou doth suspicion romance where it is not. The
owner of this is fat and wrinkled and doth talk so much and say so little she
drives me mad. Once they had much money and were good customers, but ill
times came upon them. She has a son of whom she would make a merchant.
So she came to me and borrowed gold that he might become a partner of a
caravan owner who travels with his camels bartering in one city what he buys
in another.
"This man proved a rascal for he left the poor boy in a distant city without
money and without friends, pulling out early while the youth slept. Perhaps
when this youth has grown to manhood, he will repay; until then I get no
rental for the loan—only much talk. But I do admit the jewels are worthy of
the loan."
"Did this lady ask thy advice as to the wisdom of the loan?"
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"Quite otherwise. She had pictured to herself this son of hers as a wealthy
and powerful man of Babylon. To suggest the contrary was to infuriate her. A
fair rebuke I had. I knew the risk for this inexperienced boy, but as she
offered security I could not refuse her.
"This," continued Mathon, waving a bit of pack rope tied into a knot, "belongs
to Nebatur, the camel trader. When he would buy a herd larger than his funds
he brings to me this knot and I lend to him according to his needs. He is a
wise trader. I have confidence in his good judgment and can lend him freely.
Many other merchants of Babylon have my confidence because of their
honorable behavior.
Their 92tokens come and go frequently in my token box. Good merchants are
an asset to our city and it profits me to aid them to keep trade moving that
Babylon be prosperous."
Mathon picked out a beetle carved in turquoise and tossed it contemptuously

on the floor. "A bug from Egypt. The lad who owns this does not care whether
I ever receive back my gold. When I reproach him he replies, 'How can I repay
when ill fate pursues me? You have plenty more.' What can I do? The token is
his father's—a worthy man of small means who did pledge his land and herd to
back his son's enterprises. The youth found success at first and then was over-
zealous to gain great wealth.
His knowledge was immature. His enterprises collapsed. "Youth is ambitious.

Youth would take short cuts to wealth and the desirable things for which it
stands. To secure wealth quickly youth often borrows unwisely.
Youth, never having had experience, cannot realize that hopeless debt is like
a deep pit into which one may descend quickly and where one may struggle
vainly for many days. It is a pit of sorrow and regrets where the brightness of
the sun is overcast and night is made unhappy by restless sleeping.
Yet, I do not discourage borrowing gold. I encourage it. I recommend it if it

be for a wise purpose. I myself made my first real success as a merchant with
borrowed gold.
"Yet, what should the lender do in such a case? The youth is in despair and
accomplishes nothing. He is discouraged. He makes no effort to repay. My
heart turns against depriving the father of his land and cattle."
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"You tell me much that I am interested to hear," ventured Rodan, "but, I hear
no answer to my question. Should I lend my fifty pieces of gold to my sister's
husband? They mean much to me."
"Thy sister is a sterling woman whom I do much esteem. Should her husband
come to me and ask to borrow fifty pieces of gold I should ask him for what
purpose he would use it.
"If he answered that he desired to become a merchant like myself and deal in
jewels and rich furnishings. I would say, 'What knowledge have you of the
ways of trade? Do you know where you can buy at lowest cost? Do you know
where you can sell at a fair price?" Could he say 'Yes' to these questions?"
"No, he could not," Rodan admitted. "He has helped me much in making
spears and he has helped some in the shops."
"Then, would I say to him that his purpose was not wise. Merchants must learn
their trade. His ambition, though worthy, is not practical and I would not lend
him any gold.
"But, supposing he could say: 'Yes, I have helped merchants much. I know how
to travel to Smyrna and to buy at low cost the rugs the housewives weave. I
also know many of the rich people of Babylon to whom I can sell these at a
large profit.' Then I would say: 'Your purpose is wise and your ambition
honorable. I shall be glad to lend you the fifty pieces of gold if you can give
me security that they will be returned." But would he say, 'I have no security
other than that I am an honored man and will pay you well for the loan.' Then
would I reply, 'I treasure much each piece of gold. Were the robbers to take it
from you as you journeyed to Smyrna or take the rugs from you as you
returned, then you would have no means of repaying me and my gold would
be gone.'
"Gold, you see, Rodan, is the merchandise of the lender of money. It is easy
to lend. If it is lent unwisely then it is 94difficult to get back. The wise lender
wishes not the risk of the undertaking but the guarantee of safe repayment.
“Tis well," he continued, "to assist those that are in trouble, 'tis well to help
those upon whom fate has laid a heavy hand. 'Tis well to help those who are
starting that they may progress and become valuable citizens. But help must
be given wisely, lest, like the farmer's ass, in our desire to help we but take
upon ourselves the burden that belongs to another.
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"Again I wandered from thy question, Rodan, but hear my answer: Keep thy
fifty pieces of gold. What thy labor earns for thee and what is given thee for
reward is thine own and no man can put an obligation upon thee to part with
it unless it do be thy wish. If thee wouldst lend it so that it may earn thee
more gold, then lend with caution and in many places. I like not idle gold,
even less I like too much of risk.
"How many years hast thou labored as a spearmaker?"
"Fully three." "How much besides the King's gift hast saved?"
"Three gold pieces."
"Each year that thou hast labored thou has denied thyself good things to save
from thine earnings one piece of gold?"
“Tis as you say."
"Then mightest save in fifty years of labor fifty pieces of gold by thy self-
denial?"
"A lifetime of labor it would be."
"Thinkest thou thy sister would wish to jeopardize the savings of fifty years of
labor over the bronze melting pot that her husband might experiment on
being a merchant?"
"Not if I spoke in your words."
"Then go to her and say: 'Three years I have labored each day except fast
days, from morning until night, and I have denied myself many things that my
heart craved. For each year of labor and self-denial I have to show one piece
of gold. Thou art my favored sister and I wish that thy husband may engage in
business in which he will prosper greatly. If he will submit to me a plan that
seems wise and possible to my friend, Mathon, then will I gladly lend to him
my savings of an entire year that he may have an opportunity to prove that he
can succeed.' Do that, I say, and if he has within him the soul to succeed he
can prove it. If he fails he will not owe thee more than he can hope some day
to repay.
"I am a gold lender because I own more gold than I can use in my own trade. I
desire my surplus gold to labor for others and thereby earn more gold. I do
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not wish to take risk of losing my gold for I have labored much and denied
myself much to secure it. Therefore, I will no longer lend any of it where I am
not confident that it is safe and will be returned to me. Neither will I lend it
where I am not convinced that its earnings will be promptly paid to me.
"I have told to thee, Rodan, a few of the secrets of my token chest. From
them you may understand the weakness of men and their eagerness to borrow
that which they have no certain means to repay. From this you can see how
often their high hopes of the great earnings they could make, if they but had
gold, are but false hopes they have not the ability or training to fulfill.
"Thou, Rodan, now have gold which thou shouldst put to earning more gold
for thee. Thou art about to become even as I, a gold lender. If thou dost
safely preserve thy treasure it will produce liberal earnings for thee and be a
rich source of pleasure and profit during all thy days. But if thou dost let it
escape from thee, it will be a source of constant sorrow and regret as long as
thy memory doth last.
"What desirest thou most of this gold in thy wallet?"
"To keep it safe."
"Wisely spoken," replied Mathon approvingly. "Thy first desire is for safety.
Thinkest thou that in the custody of thy sister's husband it would be truly safe
from possible loss?"
"I fear not, for he is not wise in guarding gold."
"Then be not swayed by foolish sentiments of obligation to trust thy treasure

to any person. If thou wouldst help thy family or thy friends, find other ways
than risking the loss of thy treasure. Forget not that gold slippeth away in
unexpected ways from those unskilled in guarding it. As well waste thy
treasure in extravagance as let others lose it for thee.
"What next after safety dost desire of this treasure of thine?"
"That it earn more gold."
"Again thou speakest with wisdom. It should be made to earn and grow larger.
Gold wisely lent may even double itself with its earnings before a man like
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you groweth old. If you risk losing it you risk losing all that it would earn as
well.
"Therefore, be not swayed by the fantastic plans of impractical men who

think they see ways to force thy gold to make earnings unusually large. Such
plans are the creations of dreamers unskilled in the safe and dependable laws
of trade. Be conservative in what thou expect it to earn that thou mayest
keep and enjoy thy treasure. To hire it out with a promise of usurious returns
is to invite loss.
"Seek to associate thyself with men and enterprises whose success is

established that thy treasure may earn liberally under their skillful use and be
guarded safely by their wisdom and experience.
"Thus, mayest thou avoid the misfortunes that follow most of the sons of men
to whom the gods see fit to entrust gold."
When Rodan would thank him for his wise advice he would not listen, saying,
"The king's gift shall teach thee much wisdom. If wouldst keep thy fifty pieces
of gold thou must be discreet indeed.
Many uses will tempt thee. Much advice will be spoken to thee. Numerous
opportunities to make large profits will be offered thee. The stories from my
token box should warn thee, before thou let any piece of gold leave thy
pouch to be sure that thou hast a safe way to pull it back again. Should my
further advice appeal to thee, return again. It is gladly given.
“E're thou goest read this which I have carved beneath the lid of my token
box. It applies equally to the borrower and the lender:
BETTER A LITTLE CAUTION THAN A GREAT REGRET
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The Walls of Babylon
Old Banzar, grim warrior of another day, stood guard at the passageway
leading to the top of the ancient walls of Babylon. Up above, valiant
defenders were battling to hold the walls. Upon them depended the future
existence of this great city with its hundreds of thousands of citizens.
Over the walls came the roar of the attacking armies, the yelling of many
men, the trampling of thousands of horses, the deafening boom of the
battering rams pounding the bronzed gates.
In the street behind the gate lounged the spearmen, waiting to defend the
entrance should the gates give way. They were but few for the task. The
main armies of Babylon were with their king, far away in the east on the
great expedition against the Elamites. No attack upon the city having been
anticipated during their absence, the defending forces were small.
Unexpectedly, from the north, bore down the mighty armies of the Assyrians.
And now the walls must hold or Babylon was doomed.
About Banzar were great crowds of citizens, white-faced and terrified,

eagerly seeking news of the battle. With hushed awe they viewed the stream
of wounded and dead being carried or led out of the passageway.
Here was the crucial point of attack. After three days of circling about the
city, the enemy had suddenly thrown his great strength against this section
and this gate.
The defenders from the top of the wall fought off the climbing platforms and
the scaling ladders of the attackers with arrows, burning oil and, if any
reached the top, spears. Against the defenders, thousands of the enemy's
archers poured a deadly barrage of arrows.
Old Banzar had the vantage point for news. He was closest to the conflict and
first to hear of each fresh repulse of the frenzied attackers.
An elderly merchant crowded close to him, his palsied hands quivering. "Tell
me! Tell me!" he pleaded. "They cannot get in. My sons are with the good
king. There is no one to protect my old wife.
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My goods, they will steal all. My food, they will leave nothing. We are old, too
old to defend ourselves—too old for slaves. We shall starve. We shall die. Tell
me they cannot get in."
"Calm thyself, good merchant," the guard responded. "The walls of Babylon
are strong. Go back to the bazaar and tell your wife that the walls will
protect you and all of your possessions as safely as they protect the rich
treasures of the king. Keep close to the walls, lest the arrows flying over
strike you!"
A woman with a babe in arms took the old man's place as he withdrew.
"Sergeant, what news from the top? Tell me truly that I may reassure my poor
husband. He lies with fever from his terrible wounds, yet insists upon his
armor and his spear to protect me, who am with child. Terrible he says will
be the vengeful lust of our enemies should they break in."
"Be thou of good heart, thou mother that is, and is again to be, the walls of
Babylon will protect you and your babes. They are high and strong. Hear ye
not the yells of our valiant defenders as they empty the caldrons of burning
oil upon the ladder scalers?"
"Yes, that do I hear and also the roar of the battering rams that do hammer at
our gates."
"Back to thy husband. Tell him the gates are strong and withstand the rams.
Also that the scalers climb the walls but to receive the waiting spear thrust.
Watch, thy way and hasten behind you buildings."
Banzar stepped aside to clear the passage for heavily armed reinforcements.
As, with clanking bronze shields and heavy tread, they tramped by, a small
girl plucked at his girdle.
"Tell me please, soldier, are we safe?" she pleaded. I hear the awful noises. I
see the men all bleeding. I am so frightened. What will become of our family,
of my mother, little brother and the baby?"
The grim old campaigner blinked his eyes and thrust forward his chin as he
beheld the child.
"Be not afraid, little one," he reassured her. "The walls of Babylon will protect
you and mother and little brother and the baby. It was for the safety of such
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as you that the good Queen Semiramis built them over a hundred years ago.
Never have they been broken through. Go back and tell your mother and little
brother and the baby that the walls of Babylon will protect them and they
need have no fear."
Day after day old Banzar stood at his post and watched the reinforcements
file up the passageway, there to stay and fight until wounded or dead they
came down once more. Around him, unceasingly crowded the throngs of
frightened citizens eagerly seeking to learn if the walls would hold.
To all he gave his answer with the fine dignity of an old soldier, "The walls of
Babylon will protect you."
For three weeks and five days the attack waged with scarcely ceasing
violence. Harder and grimmer set the jaw of Banzar as the passage behind,
wet with the blood of the many wounded, was churned into mud by the never
ceasing streams of men passing up and staggering down. Each day the
slaughtered attackers piled up in heaps before the wall. Each night they were
carried back and buried by their comrades. Upon the fifth night of the fourth
week the clamor without diminished. The first streaks of daylight,
illuminating the plains, disclosed great clouds of dust raised by the retreating
armies.
A mighty shout went up from the defenders. There was no mistaking its
meaning. It was repeated by the waiting troops behind the walls. It was
echoed by the citizens upon the streets. It swept over the city with the
violence of a storm.
People rushed from the houses. The streets were jammed with a throbbing
mob. The pent-up fear of weeks found an outlet in the wild chorus of joy.
From the top of the high tower of the Temple of Bel burst forth the flames of
victory. Skyward floated the column of blue smoke to carry the message far
and wide.
The walls of Babylon had once again repulsed a mighty and viscous foe
determined to loot her rich treasures and to ravish and enslave her citizens.
Babylon endured century after century because it was fully protected. It
could not afford to be otherwise.
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The walls of Babylon were an outstanding example of man's need and desire
for protection.
This desire is inherent in the human race. It is just as strong today as it ever
was, but we have developed broader and better plans to accomplish the same
purpose.
In this day, behind the impregnable walls of insurance, savings accounts and
dependable investments, we can guard ourselves against the unexpected
tragedies that may enter any door and seat themselves before any fireside.
WE CANNOT AFFORD TO BE WITHOUT ADEQUATE PROTECTION
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The Camel Trader of Babylon
The hungrier one becomes, the clearer one's mind works— also the more
sensitive one becomes to the odors of food.
Tarkad, the son of Azure, certainly thought so. For two whole days he had
tasted no food except two small figs purloined from over the wall of a
garden. Not another could he grab before the angry woman rushed forth and
chased him down the street. Her shrill cries were still ringing in his ears as he
walked through the market place. They helped him to retrain his restless
fingers from snatching the tempting fruits from the baskets of the market
women.
Never before had he realized how much food was brought to the markets of
Babylon and how good it smelled. Leaving the market, he walked across to
the inn and paced back and forth in front of the eating house. Perhaps here
he might meet someone he knew; someone from whom he could borrow a
copper that would gain him a smile from the unfriendly keeper of the inn
and, with it, a liberal helping. Without the copper he knew all too well how
unwelcome he would be.
In his abstraction he unexpectedly found himself face to face with the one
man he wished most to avoid, the tall bony figure of Dabasir, the camel
trader. Of all the friends and others from whom he had borrowed small sums,
Dabasir made him feel the most uncomfortable because of his failure to keep
his promises to repay promptly.
Dabasir's face lighted up at the sight of him. "Ha! 'Tis Tarkad, just the one I
have been seeking that he might repay the two pieces of copper which I lent
him a moon ago; also the piece of silver which I lent to him before that. We
are well met. I can make good use of the coins this very day. What say, boy?
What say?"
Tarkad stuttered and his face flushed. He had naught in his empty stomach to
nerve him to argue with the outspoken Dabasir. "I am sorry, very sorry," he
mumbled weakly, "but this day I have neither the copper nor the silver with
which I could repay." "Then get it," Dabasir insisted. "Surely thou canst get
hold of a few coppers and a piece of silver to repay the generosity of an old
friend of thy father who aided thee whenst thou wast in need?"
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“Tis because ill fortune does pursue me that I cannot pay."
"Ill fortune! Wouldst blame the gods for thine own weakness. Ill fortune
pursues every man who thinks more of borrowing than of repaying. Come with
me, boy, while I eat. I am hungry and I would tell thee a tale."
Tarkad flinched from the brutal frankness of Dabasir, but here at least was an
invitation to enter the coveted doorway of the eating house.
Dabasir pushed him to a far corner of the room where they seated themselves
upon small rugs.
When Kauskor, the proprietor, appeared smiling, Dabasir addressed him with
his usual freedom, "Fat lizard of the desert, bring to me a leg of the goat,
brown with much juice, and bread and all of the vegetables for I am hungry
and want much food. Do not forget my friend here. Bring to him a jug of
water. Have it cooled, for the day is hot."
Tarkad's heart sank. Must he sit here and drink water while he watched this
man devour an entire goat leg? He said nothing. He thought of nothing he
could say.
Dabasir, however, knew no such thing as silence. Smiling and waving his hand
good-naturedly to the other customers, all of whom knew him, he continued.
"I did hear from a traveler just returned from Urfa of a certain rich man who
has a piece of stone cut so thin that one can look through it. He put it in the
window of his house to keep out the rains.
It is yellow, so this traveler does relate, and he was permitted to look

through it and all the outside world looked strange and not like it really is.
What say you to that, Tarkad? Thinkest all the world could look to a man a
different color from what it is?"
"I dare say," responded the youth, much more interested in the fat leg of goat
placed before Dabasir.
"Well, I know it to be true for I myself have seen the world all of a different
color from what it really is and the tale I am about to tell relates how I came
to see it in its right color once more."
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"Dabasir will tell a tale," whispered a neighboring diner to his neighbor, and
dragged his rug close. Other diners brought their food and crowded in a semi-
circle. They crunched noisily in the ears of Tarkad and brushed him with their
meaty bones. He alone was without food. Dabasir did not offer to share with
him nor even motion him to a small corner of the hard bread that was broken
off and had fallen from the platter to the floor.
"The tale that I am about to tell," began Dabasir, pausing to bite a goodly
chunk from the goat leg, "relates to my early life and how I came to be a
camel trader. Didst anyone know that I once was a slave in Syria?"
A murmur of surprise ran through the audience to which Dabasir listened with
satisfaction.
"When I was a young man," continued Dabasir after another vicious onslaught
on the goat leg,
"I learned the trade of my father, the making of saddles. I worked with him in
his shop and took to myself a wife.
Being young and not greatly skilled, I could earn but little, just enough to
support my excellent wife in a modest way. I craved good things which I could
not afford. Soon I found that the shop keepers would trust me to pay later
even though I could not pay at the time. "Being young and without experience
I did not know that he who spends more than he earns is sowing the winds of
needless self-indulgence from which he is sure to reap the whirlwinds of
trouble and humiliation. So I indulged my whims for fine raiment and bought
luxuries for my good wife and our home, beyond our means. "I paid as I could
and for a while all went well. But in time I discovered I could not use my
earnings both to live upon and to pay my debts.
Creditors began to pursue me to pay for my extravagant purchases and my

life became miserable. I borrowed from my friends, but could not repay them
either. Things went from bad to worse. My wife returned to her father and I
decided to leave Babylon and seek another city where a young man might
have better chances.
"For two years I had a restless and unsuccessful life working for caravan
traders. From this I fell in with a set of likeable robbers who scoured the
desert for unarmed caravans. Such deeds were unworthy of the son of my
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father, but I was seeing the world through a colored stone and did not realize
to what degradation I had fallen.
"We met with success on our first trip, capturing a rich haul of gold and silks
and valuable merchandise. This loot we took to Ginir and squandered.
"The second time we were not so fortunate. Just after we had made our
capture, we were attacked by the spearsmen of a native chief to whom the
caravans paid for protection. Our two leaders were killed, and the rest of us
were taken to Damascus where we were stripped of our clothing and sold as
slaves.
"I was purchased for two pieces of silver by a Syrian desert chief. With my
hair shorn and but a loin cloth to wear, I was not so different from the other
slaves. Being a reckless youth, I thought it merely an adventure until my
master took me before his four wives and told them they could have me for a
eunuch.
Then, indeed, did I realize the hopelessness of my situation. These men of

the desert were fierce and warlike. I was subject to their will without
weapons or means of escape.
"Fearful I stood, as those four women looked me over. I wondered if I could

expect pity from them. Sira, the first wife, was older than the others. Her
face was impassive as she looked upon me. I turned from her with little
consolation. The next was a contemptuous beauty who gazed at me as
indifferently as if I had been a worm of the earth. The two younger ones
tittered as though it were all an exciting joke.
"It seemed an age that I stood waiting sentence. Each woman appeared
willing for the others to decide. Finally Sira spoke up in a cold voice.
“Of eunuchs we have plenty, but of camel tenders we have few and they are
a worthless lot.
Even this day I would visit my mother who is sick with the fever and there is
no slave I would trust to lead my camel. Ask this slave if he can lead a camel.'
"My master thereupon questioned me, 'What know you of camels?'
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"Striving to conceal my eagerness, I replied, I can make them kneel, I can
load them, I can lead them on long trips without tiring. If need be, I can
repair their trappings."
“The slave speaks forward enough, observed my master. If thou so desire,

Sira, take this man for thy camel tender.'
"So I was turned over to Sira and that day I led her camel upon a long journey
to her sick mother. I took the occasion to thank her for her intercession and
also to tell her that I was not a slave by birth, but the son of a freeman, an
honorable saddle maker of Babylon. I also told her much of my story. Her
comments were disconcerting to me and I pondered much afterwards on what
she said.
“How can you call yourself a free man when your weakness has brought you
to this? If a man has in himself the soul of a slave will he not become one no
matter what his birth, even as water seeks its level? If a man has within him
the soul of a free man, will he not become respected and honored in his own
city in spite of his misfortune?'
"For over a year I was a slave and lived with the slaves, but I could not
become as one of them.
One day Sira asked me, 'In the eventime when the other slaves can mingle
and enjoy the society of each other, why dost thou sit in thy tent alone?'
"To which I responded, 'I am pondering what you have said to me. I wonder if
I have the soul of a slave. I cannot join them, so I must sit apart.'
“I, too, must sit apart,' she confided. 'My dowry was large and my lord
married me because of it. Yet he does not desire me. What every woman
longs for is to be desired. Because of this and because I am barren and have
neither son nor daughter, must I sit apart. Were I a man I would rather die
than be such a slave, but the conventions of our tribe make slaves of women.'
“What think thou of me by this time?' I asked her suddenly, 'Have I the soul of
a man or have I the soul of a slave?'
“Have you a desire to repay the just debts you owe in Babylon?' she parried.
“Yes, I have the desire, but I see no way.'
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“If thou contentedly let the years slip by and make no effort to repay, then
thou hast but the contemptible soul of a slave. No man is otherwise who
cannot respect himself and no man can respect himself who does not repay
honest debts.'
“But what can I do who am a slave in Syria?'
“Stay a slave in Syria, thou weakling.'
“I am not a weakling,' I denied hotly.
“Then prove it.'
“How?'
“Does not thy great king fight his enemies in every way he can and with every
force he has?
Thy debts are thy enemies. They ran thee out of Babylon. You left them alone
and they grew too strong for thee. Hadst fought them as a man, thou couldst
have conquered them and been one honored among the townspeople. But
thou had not the soul to fight them and behold thy pride hast gone down until
thou art a slave in Syria.'
"Much I thought over her unkind accusations and many defensive phrases I
worded to prove myself not a slave at heart, but I was not to have the chance
to use them. Three days later the maid of Sira took me to her mistress.
“My mother is again very sick,' she said. 'Saddle the two best camels in my
husband's herd. Tie on water skins and saddle bags for a long journey. The
maid will give thee food at the kitchen tent.' I packed the camels wondering
much at the quantity of provisions the maid provided, for the mother dwelt
less than a day's journey away. The maid rode the rear camel which followed
and I led the camel of my mistress. When we reached her mother's house it
was just dark. Sira dismissed the maid and said to me:
“Dabasir, hast thou the soul of a free man or the soul of a slave?'
“The soul of a free man,' I insisted.
“Now is thy chance to prove it. Thy master hath imbibed deeply and his
chiefs are in a stupor.
Take then these camels and make thy escape. Here in this bag is raiment of
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thy master's to disguise thee. I will say thou stole the camels and ran away
while I visited my sick mother.'
“Thou hast the soul of a queen,' I told her. 'Much do I wish that I might lead
thee to happiness.'
“Happiness,' she responded, 'awaits not the runaway wife who seeks it in far
lands among strange people. Go thy own way and may the gods of the desert
protect thee for the way is far and barren of food or water.'
"I needed no further urging, but thanked her warmly and was away into the
night. I knew not this strange country and had only a dim idea of the direction
in which lay Babylon, but struck out bravely across the desert toward the
hills. One camel I rode and the other I led. All that night I traveled and all the
next day, urged on by the knowledge of the terrible fate that was meted out
to slaves who stole their master's property and tried to escape.
"Late that afternoon, I reached a rough country as uninhabitable as the

desert. The sharp rocks bruised the feet of my faithful camels and soon they
were picking their way slowly and painfully along.
I met neither man nor beast and could well understand why they shunned this
inhospitable land.
"It was such a journey from then on as few men live to tell of. Day after day
we plodded along.
Food and water gave out. The heat of the sun was merciless. At the end of
the ninth day, I slid from the back of my mount with the feeling that I was
too weak to ever remount and I would surely die, lost in this abandoned
country.
"I stretched out upon the ground and slept, not waking until the first gleam of
daylight.
"I sat up and looked about me. There was a coolness in the morning air. My
camels lay dejected not far away. About me was a vast waste of broken
country covered with rock and sand and thorny things, no sign of water,
naught to eat for man or camel.
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"Could it be that in this peaceful quiet I faced my end? My mind was clearer
than it had ever been before. My body now seemed of little importance. My
parched and bleeding lips, my dry and swollen tongue, my empty stomach, all
had lost their supreme agonies of the day before.
"I looked across into the uninviting distance and once again came to me the
question, 'Have I the soul of a slave or the soul of a free man?' Then with
clearness I realized that if I had the soul of a slave, I should give up, lie down
in the desert and die, a fitting end for a runaway slave.
"But if I had the soul of a free man, what then? Surely I would force my way
back to Babylon, repay the people who had trusted me, bring happiness to my
wife who truly loved me and bring peace and contentment to my parents.
“Thy debts are thine enemies who have run thee out of Babylon,' Sira had
said. Yes it was so.
Why had I refused to stand my ground like a man? Why had I permitted my
wife to go back to her father?
"Then a strange thing happened. All the world seemed to be of a different

color as though I had been looking at it through a colored stone which had
suddenly been removed. At last I saw the true values in life.
"Die in the desert! Not I! With a new vision, I saw the things that I must do.
First I would go back to Babylon and face every man to whom I owed an
unpaid debt. I should tell them that after years of wandering and misfortune,
I had come back to pay my debts as fast as the gods would permit. Next I
should make a home for my wife and become a citizen of whom my parents
should be proud.
"My debts were my enemies, but the men I owed were my friends for they had
trusted me and believed in me.
"I staggered weakly to my feet. What mattered hunger? What mattered thirst?
They were but incidents on the road to Babylon. Within me surged the soul of
a free man going back to conquer his enemies and reward his friends. I
thrilled with the great resolve.
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"The glazed eyes of my camels brightened at the new note in my husky voice.
With great effort, after many attempts, they gained their feet. With pitiful
perseverance, they pushed on toward the north where something within me
said we would find Babylon.
"We found water. We passed into a more fertile country where were grass and
fruit. We found the trail to Babylon because the soul of a free man looks at
life as a series of problems to be solved and solves them, while the soul of a
slave whines, 'What can I do who am but a slave?'
"How about thee, Tarkad? Dost thy empty stomach make thy head exceedingly
clear? Art ready to take the road that leads back to self respect? Canst thou
see the world in its true color? Hast thou the desire to pay thy honest debts,
however many they may be, and once again be a man respected in Babylon?"
Moisture came to the eyes of the youth. He rose eagerly to his knees. "Thou
has shown me a vision; already I feel the soul of a free man surge within me."
"But how fared you upon your return?" questioned an interested listener.
"Where the determination is, the way can be found" Dabasir replied. "I now
had the determination so I set out to find a way. First I visited every man to
whom I was indebted and begged his indulgence until I could earn that with
which to repay. Most of them met me gladly. Several reviled me but others
offered to help me; one indeed did give me the very help I needed. It was
Mathon, the gold lender. Learning that I had been a camel tender in Syria; he
sent me to old Nebatur, the camel trader, just commissioned by our good
king to purchase many herds of sound camels for the great expedition. With
him, my knowledge of camels I put to good use. Gradually I was able to repay
every copper and every piece of silver. Then at last I could hold up my head
and feel that I was an honourable man among men."
Again Dabasir turned to his food. "Kauskor, thou snail," he called loudly to be
heard in the kitchen, "the food is cold. Bring me more meat fresh from the
roasting. Bring thou also a very large portion for Tarkad, the son of my old
friend, who is hungry and shall eat with me."
So ended the tale of Dabasir the camel trader of old Babylon. He found his
own soul when he realized a great truth, a truth that had been known and
used by wise men long before his time.
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It has led men of all ages out of difficulties and into success and it will
continue to do so for those who have the wisdom to understand its magic
power. It is for any man to use who reads these lines.
WHERE THE DETERMINATION IS, THE WAY CAN BE FOUND
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The Clay Tablets From Babylon
St. Swithin's College
Nottingham University
Newark-on-Trent
Nottingham
Professor Franklin Caldwell,
Care of British Scientific Expedition,
Hillah, Mesopotamia.
October 21, 1934.
My dear Professor:
The five clay tablets from your recent excavation in the ruins of Babylon
arrived on the same boat with your letter. I have been fascinated no end, and
have spent many pleasant hours translating their inscriptions. I should have
answered your letter at once but delayed until I could complete the
translations which are attached.
The tablets arrived without damage, thanks to your careful use of

preservatives and excellent packing.
You will be as astonished as we in the laboratory at the story they relate. One
expects the dim and distant past to speak of romance and adventure.
“Arabian Nights" sort of things, you know. When instead it discloses the
problem of a person named Dabasir to pay off his debts, one realizes that
conditions upon this old world have not changed as much in five thousand
years as one might expect.
It's odd, you know , but these old inscriptions rather “rage” me, as the
students say. Being a college professor, I am supposed to be a thinking human
being possessing a working knowledge of most subjects.
Yet, here comes this old chap out of the dust-covered ruins of Babylon to
offer a way I had never heard of to pay off my debts and at the same time
acquire gold to jingle in my wallet.
Pleasant thought, I say, and interesting to prove whether it will work as well
nowadays as it did in old Babylon. Mrs. Shrewsbury and myself are planning to
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try out his plan upon our own affairs which could be much improved.
Wishing you the best of luck in your worthy undertaking and waiting eagerly
another opportunity to assist, I am
Yours sincerely,
Alfred H. Shewsbury,
Department of Archaeology.
Tablet No. I
Now, when the moon becometh full, I, Dabasir, who am but recently returned
from slavery in Syria, with the determination to pay my many just debts and
become a man of means worthy of respect in my native city of Babylon, do
here engrave upon the clay a permanent record of my affairs to guide and
assist me in carrying through my high desires.
Under the wise advice of my good friend Mathon, the gold lender, I am
determined to follow an exact plan that he doth say will lead any honorable
man out of debt into means and self respect.
This plan includeth three purposes which are my hope and desire.
First, the plan doth provide for my future prosperity.
Therefore one-tenth of all I earn shall be set aside as my own to keep. For
Mathon speaketh wisely when he saith:
"That man who keepeth in his purse both gold and silver that he need not
spend is good to his family and loyal to his king.
"The man who hath but a few coppers in his purse is indifferent to his family
and indifferent to his king.
"But the man who hath naught in his purse is unkind to his family and is
disloyal to his king, for his own heart is bitter.
"Therefore, the man who wisheth to achieve must have coin that he may keep
to jingle in his purse, that he have in his heart love for his family and loyalty
to his king."
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Second, the plan doth provide that I shall support and clothe my good wife
who hath returned to me with loyalty from the house of her father. For
Mathon doth say that to take good care of a faithful wife putteth self-respect
into the heart of a man and addeth strength and determination to his
purposes.
Therefore seven-tenths of all I earn shall be used to provide a home, clothes

to wear, and food to eat, with a bit extra to spend, that our lives be not
lacking in pleasure and enjoyment. But he doth further enjoin the greatest
care that we spend not greater than seven-tenths of what I earn for these
worthy purposes. Herein lieth the success of the plan.
I must live upon this portion and never use more nor buy what I may not pay
for out of this portion.
Tablet No. II
Third, the plan doth provide that out of my earnings my debts shall be paid.
Therefore each time the moon is full, two-tenths of all I have earned shall be
divided honourably and fairly among those who have trusted me and to whom
I am indebted. Thus in due time will all my indebtedness be surely paid.
Therefore, do I here engrave the name of every man to whom I am indebted

and the honest amount of my debt.
Fahru, the cloth weaver, 2 silver, 6 copper.

Sinjar, the couch maker, 1 silver.
Ahmar, my friend, 3 silver, 1 copper.
Zankar, my friend, 4 silver, 7 copper,
Askamir, my friend, 1 silver, 3 copper.
Harinsir, the Jewelmaker, 6 silver, 2 copper.
Diarbeker, my father's friend, 4 silver, 1 copper.
Alkahad, the house owner, 14 silver.
Mathon, the gold lender, 9 silver.
Birejik, the farmer, 1 silver, 7 copper.
(From here on, disintegrated. Cannot be deciphered.)
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Tablet No. III
To these creditors do I owe in total one hundred and nineteen pieces of silver
and one hundred and forty-one pieces of copper. Because I did owe these
sums and saw no way to repay, in my folly I did permit my wife to return to
her father and didst leave my native city and seek easy wealth elsewhere,
only to find disaster and to see myself sold into the degradation of slavery.
Now that Mathon doth show me how I can repay my debts in small sums of my
earnings, do I realize the great extent of my folly in running away from the
results of my extravagances. Therefore have I visited my creditors and
explained to them that I have no resources with which to pay except my
ability to earn, and that I intent to apply two tenths of all I earn upon my
indebtedness evenly and honestly. This much can I pay but no more.
Therefore if they be patient, in time my obligations will be paid in full.
Ahmar, whom I thought my best friend, reviled me bitterly and I left him in
humiliation.
Birejik, the farmer, pleaded that I pay him first as he didst badly need help.
Alkahad, the house owner, was indeed disagreeable and insisted that he
would make me trouble unless I didst soon settle in full with him.
All the rest willingly accepted my proposal. Therefore am I more determined

than ever to carry through, being convinced that it is easier to pay one's just
debts than to avoid them. Even though I cannot meet the needs and demands
of a few of my creditors I will deal impartially with all.
Tablet No. IV
Again the moon shines full. I have worked hard with a free mind. My good
wife hath supported my intentions to pay my creditors. Because of our wise
determination, I have earned during the past moon, buying camels of sound
wind and good legs, for Nebatur, the sum of nineteen pieces of silver.
This I have divided according to the plan. One-tenth have I set aside to keep
as my own, seven-tenths have I divided with my good wife to pay for our
living. Two-tenths have I divided among my creditors as evenly as could be
done in coppers.
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I did not see Ahmar but left it with his wife. Birejik was so pleased he would
kiss my hand. Old Alkahad alone was grouchy and said I must pay faster. To
which I replied that if I were permitted to be well fed and not worried, that
alone would enable me to pay faster. All the others thanked me and spoke
well of my efforts.
Therefore, at the end of one moon, my indebtedness is reduced by almost

four pieces of silver and I possess almost two pieces of silver besides, upon
which no man hath claim. My heart is lighter than it hath been for a long
time.
Again the moon shines full. I have worked hard but with poor success. Few
camels have I been able to buy. Only eleven pieces of silver have I earned.
Nevertheless my good wife and I have stood by the plan even though we have
bought no new raiment and eaten little but herbs.
Again I paid ourselves one-tenth of the eleven pieces, while we lived upon
seven-tenths. I was surprised when Ahmar commended my payment, even
though small. So did Birejik. Alkahad flew into a rage but when told to give
back his portion if he did not wish it, he became reconciled. The others, as
before, were content Again the moon shines full and I am greatly rejoiced. I
intercepted a fine herd of camels and bought many sound ones, therefore my
earnings were forty-two pieces of silver. This moon my wife and myself have
bought much needed sandals and raiment Also we have dined well on meat
and fowl.
More than eight pieces of silver we have paid to our creditors. Even Alkahad
did not protest.
Great is the plan for it leadeth us out of debt and giveth us wealth which is
ours to keep.
Three times the moon had been full since I last carved upon this clay. Each
time I paid to myself one-tenth of all I earned. Each time my good wife and I
have lived upon seven-tenths even though at times it was difficult. Each time
have I paid to my creditors two-tenths.
In my purse I now have twenty one pieces of silver that are mine. It maketh
my head to stand straight upon my shoulders and maketh me proud to walk
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among my friends. My wife keepeth well our home and is becomingly gowned.
We are happy to live together.
The plan is of untold value. Hath it not made an honorable man of an ex-
slave?
Tablet No. V
Again the moon shines full and I remember that it is long since I carved upon
the clay. Twelve moons in truth have come and gone. But this day I will not
neglect my record because upon this day I have paid the last of my debts.
This is the day upon which my good wife and my thankful self celebrate with
great feasting that our determination hath been achieved.
Many things occurred upon my final visit to my creditors that I shall long
remember. Ahmar begged my forgiveness for his unkind words and said that I
was one of all others he most desired for a friend.
Old Alkahad is not so bad after all, for he said, "Thou wert once a piece of
soft clay to be pressed and moulded by any hand that touched thee, but now
thou art a piece of bronze capable of holding an edge. If thou needst silver or
gold at any time come to me."
Nor is he the only one who holdeth me in high regard. Many others speak
deferentially to me.
My good wife looketh upon me with a light in her eyes that doth make a man
have confidence in himself.
Yet it is the plan that hath made my success. It hath enabled me to pay all
my debts and to jingle both gold and silver in my purse. I do commend it to
all who wish to get ahead. For truly if it will enable an ex-slave to pay his
debts and have gold in his purse, will it not aid any man to find
independence? Nor am I, myself, finished with it, for I am convinced that if I
follow it further it will make me rich among men.
St. Swithin's College

Nottingham University
Newark-on-Trent
Nottingham
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Professor Franklin Caldwell,
Care of British Scientific Expedition,
Hillah, Mesopotamia.
November 7th, 1936.
My dear professor:
If, in your further digging into those ruins of Babylon, you encounter the ghost
of a former resident, an old camel trader named Dabasir, do me a favor. Tell
him that his scribbling upon those clay tablets, so long ago, has earned for
him the life long gratitude of a couple of college folks back here in England.
You will possibly remember my writing a year ago that Mrs. Shrewsbury and
myself intended to try his plan for getting out of debt and at the same time
having gold to jingle. You may have guessed, even though we tried to keep it
from our friends, our desperate straits.
We were frightfully humiliated for years by a lot of old debts and worried sick
for fear some of the trades-people might start a scandal that would force me
out of the college. We paid and paid—every shilling we could squeeze out of
income—but it was hardly enough to hold things even. Besides we were forced
to do all our buying where we could get further credit regardless of higher
costs.
It developed into one of those vicious circles that grow worse instead of
better. Our struggles were getting hopeless. We could not move to less costly
rooms because we owed the landlord. There did not
appear to be anything we could do to improve our situation.
Then, here comes your acquaintance, the old camel trader from Babylon,
with a plan to do just what we wished to accomplish. He jolly well stirred us
up to follow his system. We made a list of all our debts and I took it around
and showed it to everyone we owed.
I explained how it was simply impossible for me to ever pay them the way
things were going along. They could readily see this themselves from the
figures. Then I explained that the only way I saw to pay in full was to set
aside twenty percent of my income each month to be divided pro rata, which
would pay them in full in a little over two years. That, in the meantime, we
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would go on a cash basis and give them the further benefit of our cash
purchases.
They were really quite decent. Our greengrocer, a wise old chap, put
it in a way that helped to bring around the rest. "If you pay for all
you buy and then pay some on what you owe, that is better than you
have done, for ye ain't paid down the account none in three years."
Finally I secured all their names to an agreement binding them not to
molest us as long as the twenty percent of income was paid regularly.
Then we began scheming on how to live upon seventy percent. We were

determined to keep that extra ten percent to jingle. The thought of silver
and possibly gold was most alluring.
It was like having an adventure to make the change. We enjoyed figuring this
way and that, to live comfortably upon that remaining seventy percent. We
started with rent and managed to secure a fair reduction. Next we put our
favorite brands of tea and such under suspicion and were agreeably surprised
how often we could purchase superior qualities at less cost.
It is too long a story for a letter but anyhow it did not prove difficult. We
managed and right cheerfully at that. What a relief it proved to have our
affairs in such a shape we were no longer persecuted by past due accounts.
I must not neglect, however, to tell you about that extra ten percent we
were supposed to jingle. Well, we did jingle it for some time. Now don't laugh
too soon. You see, that is the sporty part. It is the real fun, to start
accumulating money that you do not want to spend.
There is more pleasure in running up such a surplus than there could be in

spending it.
After we had jingled to our hearts' content, we found a more profitable use
for it. We took up an investment upon which we could pay that ten percent
each month. This is proving to be the most satisfying part of our
regeneration. It is the first thing we pay out of my check.
There is a most gratifying sense of security to know our investment is growing

steadily. By the time my teaching days are over it should be a snug sum, large
enough so the income will take care of us from then on.
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All this out of my same old check. Difficult to believe, yet absolutely true. All
our debts being gradually paid and at the same time our investment
increasing. Besides we get along, financially, even better than before. Who
would believe there could be such a difference in results between following a
financial plan and just drifting along.
At the end of the next year, when all our old bills shall have been paid, we
will have more to pay upon our investment besides some extra for travel.
We are determined never again to permit our living expenses to exceed

seventy percent of our income. Now you can understand why we would
like to extend our personal thanks to that old chap whose plan saved
us from our "Hell on Earth."
He knew. He had been through it all. He wanted others to benefit from

his own bitter experiences. That is why he spent tedious hours
carving his message upon the clay. He had a real message for fellow
sufferers, a message so important that after five thousand years it
has risen out of the ruins of Babylon, just as true and just as vital
as the day it was buried.
Yours sincerely,
Alfred H. Shrewsbury,
Department of Archaeology.
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The Luckiest Man In Babylon
At the head of his caravan, proudly rode Sharru Nada, the merchant prince of
Babylon. He liked fine cloth and wore rich and becoming robes. He liked fine
animals and sat easily upon his spirited Arabian stallion. To look at him one
would hardly have guessed his advanced years. Certainly they would not have
suspected that he was inwardly troubled.
The journey from Damascus is long and the hardships of the desert many.
These he minded not.
The Arab tribes are fierce and eager to loot rich caravans. These he feared
not for his many fleet mounted guards were a safe protection.
About the youth at his side, whom he was bringing from Damascus, was he
disturbed. This was Hadan Gula, the grandson of his partner of other years,
Arad Gula, to whom he felt he owed a debt of gratitude which could never be
repaid. He would like to do something for this grandson, but the more he
considered this, the more difficult it seemed because of the youth himself.
Eyeing the young man's rings and earrings, he thought to himself, "He thinks
jewels are for men, still he has his grandfather's strong face. But his
grandfather wore no such gaudy robes. Yet, I sought him to come, hoping I
might help him get a start for himself and get away from the wreck his father
has made of their inheritance."
Hadan Gula broke in upon his thoughts, "Why dost thou work so hard, riding
always with thy caravan upon its long journeys? Dost thou never take time to
enjoy life?"
Sharru Nada smiled. "To enjoy life?" he repeated. "What wouldst thou do to
enjoy life if thou wert Sharru Nada?"
"If I had wealth equal to thine, I would live like a prince. Never across the hot
desert would I ride. I would spend the shekels as fast as they came to my
purse. I would wear the richest of robes and the rarest of jewels. That would
be a life to my liking, a life worth living." Both men laughed.
"Thy grandfather wore no jewels." Sharru Nada spoke before he thought, then
continued jokingly, "Wouldst thou leave no time for work?"
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"Work was made for slaves," Hadan Gula responded.
Sharra Nada bit his lip but made no reply, riding in silence until the trail led
them to the slope.
Here he reined his mount and pointing to the green valley far away, "See,
there is the valley. Look far down and thou canst faintly see the walls of
Babylon. The tower is the Temple of Bel. If thine eyes are sharp thou mayest
even see the smoke from the eternal fire upon its crest."
"So that is Babylon? Always have I longed to see the wealthiest city in all the
world," Hadan Gula commented. "Babylon, where my grandfather started his
fortune. Would he were still alive. We would not be so sorely pressed."
"Why wish his spirit to linger on earth beyond its allotted time? Thou and thy
father can well carry on his good work."
"Alas, of us, neither has his gift. Father and myself know not his secret for
attracting the golden shekels."
Sharru Nada did not reply but gave rein to his mount and rode thoughtfully
down the trail to the valley. Behind them followed the caravan in a cloud of
reddish dust. Some time later they reached the Kings' highway and turned
south through the irrigated farms.
Three old men plowing a field caught Sharru Nada's attention. They seemed
strangely familiar.
How ridiculous! One does not pass a field after forty years and find the same
men plowing there. Yet, something within him said they were the same. One,
with an uncertain grip, held the plow. The others laboriously plodded beside
the oxen, ineffectually beating them with their barrel staves to keep them
pulling.
Forty years ago he had envied these men! How gladly he would have
exchanged places! But what a difference now. With pride he looked back at
his trailing caravan, well- chosen camels and donkeys, loaded high with
valuable goods from Damascus. All this was but one of his possessions.
He pointed to the plowers, saying, "Still plowing the same field where they
were forty years ago."
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"They look it, but why thinkest thou they are the same?"
"I saw them there," Sharru Nada replied. Recollections were racing rapidly
through his mind.
Why could he not bury the past and live in the present? Then he saw, as in a
picture, the smiling face of Arad Gula. The barrier between himself and the
cynical youth beside him dissolved.
But how could he help such a superior youth with his spendthrift ideas and
bejeweled hands?
Work he could offer in plenty to willing workers, but naught for men who
considered themselves too good for work. Yet he owed it to Arad Gula to do
something, not a half-hearted attempt. He and Arad Gula had never done
things that way. They were not that sort of men.
A plan came almost in a flash. There were objections. He must consider his
own family and his own standing. It would be cruel; it would hurt. Being a
man of quick decisions, he waived objections and decided to act.
"Wouldst thou be interested in hearing how thy worthy grandfather and

myself joined in the partnership which proved so profitable?" he questioned.
"Why not just tell me how thou madest the golden shekels? That is all I need
to know," the young man parried.
Sharru Nada ignored the reply and continued, "We start with those men
plowing. I was no older than thou. As the column of men in which I marched
approached, good old Megiddo, the farmer, scoffed at the slip-shod way in
which they plowed. Megiddo was chained next to me. 'Look at the lazy
fellows,' he protested, 'the plow holder makes no effort to plow deep, nor do
the beaters keep the oxen in the furrow. How can they expect to raise a good
crop with poor plowing?"
"Didst thou say Megiddo was chained to thee?" Hadan Gula asked in surprise.
"Yes, with bronze collars about our necks and a length of heavy chain
between us. Next to him was Zabado, the sheep thief. I had known him in
Harroun. At the end was a man we called Pirate because he told us not his
name. We judged him as a sailor as he had entwined serpents tattooed upon
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his chest in sailor fashion. The column was made up thus so the men could
walk in fours."
"Thou wert chained as a slave?" Hadan Gula asked incredulously.
"Did not thy grandfather tell thee I was once a slave?"
"He often spoke of thee but never hinted of this."
"He was a man thou couldst trust with innermost secrets. Thou, too, are a
man I may trust, am I not right?" Sharru Nada looked him squarely in the eye.
"Thou mayest rely upon my silence, but I am amazed. Tell me how didst thou
come to be a slave?"
Sharru Nada shrugged his shoulders, "Any man may find himself a slave. It was
a gaming house and barley beer that brought me disaster. I was the victim of
my brother's indiscretions. In a brawl he killed his friend. I was bonded to the
widow by my fattier, desperate to keep my brother from being prosecuted
under the law. When my father could not raise the silver to free me, she in
anger sold me to the slave dealer."
"What a shame and injustice!" Hadan Gula protested. "But tell me, how didst
thou regain freedom?"
"We shall come to that, but not yet. Let us continue my tale. As we passed,
the plowers jeered at us. One did doff his ragged hat and bow low, calling
out, "Welcome to Babylon, guests of the King. He waits for thee on the city
walls where the banquet is spread, mud bricks and onion soup.' With that
they laughed uproariously.
"Pirate flew into a rage and cursed them roundly. 'What do those men mean
by the King awaiting us on the walls?' I asked him.
"To the city walls ye march to carry bricks until the back breaks. Maybe they
beat thee to death before it breaks. They won't beat me. Ill kill 'em.'
"Then Megiddo spoke up, 'It doesn't make sense to me to talk of masters
beating willing, hard-working slaves to death. Masters like good slaves and
treat them well."
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“Who wants to work hard?' commented Zabado. 'Those plowers are wise
fellows. They're not breaking their backs. Just letting on as if they be.'
“Thou can't get ahead by shirking,' Megiddo protested. If thou plow a hectare,
that's a good day's work and any master knows it. But when thou plow only a
half, that's shirking. I don't shirk. I like to work and I like to do good work, for
work is the best friend I've ever known. It has brought me all the good things
I've had, my farm and cows and crops, everything.'
“Yea, and where be these things now?' scoffed Zabado. 'I figure it pays better
to be smart and get by without working. You watch Zabado, if we're sold to
the walls, he'll be carrying the water bag or some easy job when thou, who
like to work, will be breaking thy back carrying bricks.' He laughed his silly
laugh.
"Terror gripped me that night. I could not sleep. I crowded close to the guard
rope, and when the others slept, I attracted the attention of Godoso who was
doing the first guard watch. He was one of those brigand Arabs, the sort of
rogue who, if he robbed thee of thy purse, would think he must also cut thy
throat.
“Tell me, Godoso,' I whispered, 'when we get to Babylon will we be sold to

the walls?'
“Why want to know?' he questioned cautiously.
“Canst thou not understand?' I pleaded. 'I am young. I want to live. I don't
want to be worked or beaten to death on the walls. Is there any chance for
me to get a good master?'
"He whispered back, 'I tell something. Thou good fellow, give Godoso no
trouble. Most times we go first to slave market. Listen now. When buyers
come, tell 'em you good worker, like to work hard for good master. Make 'em
want to buy. You not make 'em buy, next day you carry brick. Mighty hard
work.'
"After he walked away, I lay in the warm sand, looking up at the stars and
thinking about work.
What Megiddo had said about it being his best friend made me wonder if it
would be my best friend.
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Certainly it would be if it helped me out of this.
"When Megiddo awoke, I whispered my good news to him. It was our one ray
of hope as we marched toward Babylon. Late in the afternoon we approached
the walls and could see the lines of men, like black ants, climbing up and
down the steep diagonal paths. As we drew closer, we were amazed at the
thousands of men working; some were digging in the moat, others mixed the
dirt into mud bricks. The greatest number were carrying the bricks in large
baskets up those steep trails to the masons.*
"Overseers cursed the laggards and cracked bullock whips over the backs of
those who failed to keep in line. Poor, worn-out fellows were seen to stagger
and fall beneath their heavy baskets, unable to rise again. If the lash failed to
bring them to their feet, they were pushed to the side of the paths and left
writhing in agony. Soon they would be dragged down to join other craven
bodies beside the roadway to await un-sanctified graves. As I beheld the
ghastly sight, I shuddered. So this was what awaited my father's son if he
failed at the slave market.
*The famous works of ancient Babylon, its walls, temples, hanging gardens
and great canals, were built by slave labor, mainly prisoners of war, which
explains the inhuman treatment they received.
This force of workmen also included many citizens of Babylon and its
provinces who had been sold into slavery because of crimes or financial
troubles. It was a common custom for men to put themselves, their wives or
their children up as a bond to guarantee payment of loans, legal judgments or
other obligations. In case of default, those so bonded were sold into slavery.
"Godoso had been right. We were taken through the gates of the city to the
slave prison and next morning marched to the pens in the market. Here the
rest of the men huddled in fear and only the whips of our guard could keep
them moving so the buyers could examine them. Megiddo and myself eagerly
talked to every man who permitted us to address him.
"The slave dealer brought soldiers from the King's Guard who shackled Pirate
and brutally beat him when he protested. As they led him away, I felt sorry
for him.
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"Megiddo felt that we would soon part. When no buyers were near, he talked
to me earnestly to impress upon me how valuable work would be to me in the
future: 'Some men hate it. They make it their enemy. Better to treat it like a
friend, make thyself like it. Don't mind because it is hard. If thou thinkest
about what a good house thou build, then who cares if the beams are heavy
and it is far from the well to carry the water for the plaster. Promise me,
boy, if thou get a master, work for him as hard as thou canst. If he does not
appreciate all thou do, never mind. Remember, work, well-done, does good
to the man who does it. It makes him a better man.' He stopped as a burly
farmer came to the enclosure and looked at us critically.
"Megiddo asked about his farm and crops, soon convincing him that he would
be a valuable man. After violent bargaining with the slave dealer, the farmer
drew a fat purse from beneath his robe, and soon Megiddo had followed his
new master out of sight.
"A few other men were sold during the morning. At noon Godoso confided to
me that the dealer was disgusted and would not stay over another night but
would take all who remained at sundown to the King's buyer. I was becoming
desperate when a fat, good-natured man walked up to the wall and inquired
if there was a baker among us.
"I approached him saying, "Why should a good baker like thyself seek another
baker of inferior ways? Would it not be easier to teach a willing man like
myself thy skilled ways? Look at me, I am young, strong and like to work. Give
me a chance and I will do my best to earn gold and silver for thy purse."
"He was impressed by my willingness and began bargaining with the dealer
who had never noticed me since he had bought me but now waxed eloquent
on my abilities, good health and good disposition. I felt like a fat ox being
sold to a butcher. At last, much to my joy, the deal was closed. I followed my
new master away, thinking I was the luckiest man in Babylon.
"My new home was much to my liking. Nana-naid, my master, taught me how
to grind the barley in the stone bowl that stood in the courtyard, how to build
the fire in the oven and then how to grind very fine the sesame flour for the
honey cakes. I had a couch in the shed where his grain was stored. The old
slave housekeeper, Swasti, fed me well and was pleased at the way I helped
her with the heavy tasks.
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"Here was the chance I had longed for to make myself valuable to my master
and, I hoped, to find a way to earn my freedom.
"I asked Nana-naid to show me how to knead the bread and to bake. This he
did, much pleased at my willingness. Later, when I could do this well, I asked
him to show me how to make the honey cakes, and soon I was doing all the
baking. My master was glad to be idle, but Swasti shook her head in
disapproval, 'No work to do is bad for any man,' she declared.
"I felt it was time for me to think of a way by which I might start to earn coins
to buy my freedom. As the baking was finished at noon, I thought Nana-naid
would approve if I found profitable employment for the afternoons and might
share my earnings with me. Then the thought came to me, why not bake
more of the honey cakes and peddle them to hungry men upon the streets of
the city?
"I presented my plan to Nana-naid this way: 'If I can use my afternoons after
the baking is finished to earn for thee coins, would it be only fair for thee to
share my earnings with me that I might have money of my own to spend for
those things which every man desires and needs?
“Fair enough, fair enough,' he admitted. When I told him of my plan to

peddle our honey cakes, he was well pleased. 'Here is what we will do,' he
suggested. 'Thou sellest them at two for a penny, then half of the pennies will
be mine to pay for the flour and the honey and the wood to bake them. Of
the rest, I shall take half and thou shall keep half.'
"I was much pleased by his generous offer that I might keep for myself, one-
fourth of my sales.
That night I worked late to make a tray upon which to display them. Nana-
naid gave me one of his worn robes that I might look well, and Swasti helped
me patch it and wash it clean.
"The next day I baked an extra supply of honey cakes. They looked brown and
tempting upon the tray as I went along the street, loudly calling my wares. At
first no one seemed interested, and I became discouraged. I kept on and later
in the afternoon as men became hungry, the cakes began to sell and soon my
tray was empty.
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"Nana-naid was well pleased with my success and gladly paid me my share. I
was delighted to own pennies. Megiddo had been right when he said a master
appreciated good work from his slaves.
That night I was so excited over my success I could hardly sleep and tried to
figure how much I could earn in a year and how many years would be required
to buy my freedom.
"As I went forth with my tray of cakes every day, I soon found regular
customers. One of these was none other than thy grandfather, Arad Gula. He
was a rug merchant and sold to the housewives, going from one end of the
city the other, accompanied by a donkey loaded high with rugs and a black
slave to tend it. He would buy two cakes for himself and two for his slave,
always tarrying to talk with me while they ate them.
Thy grandfather said something to me one day that I shall always remember.
'I like thy cakes, boy, but better still I like the fine enterprise with which thou
offerest them. Such spirit can carry thee far on the road to success.'
"But how canst thou understand, Hadan Gula, what such words of
encouragement could mean to a slave boy, lonesome in a great city,
struggling with all he had in him to find a way out of his humiliation?
"As the months went by I continued to add pennies to my purse. It began to

have a comforting weight upon my belt. Work was proving to be my best
friend Just as Megiddo had said. I was happy but Swasti was worried.
“Thy master, I fear to have him spend so much time at the gaming houses,'
she protested.
"I was overjoyed one day to meet my friend Megiddo upon the street. He was
leading three donkeys loaded with vegetables to the market. 'I am doing
mighty well,' he said. 'My master does appreciate my good work for now I am
a foreman. See, he does trust the marketing to me, and also he is sending for
my family. Work is helping me to recover from my great trouble. Some day it
will help me to buy my freedom and once more own a farm of my own.'
"Time went on and Nana-naid became more and more anxious for me to
return from selling. He would be waiting when I returned and would eagerly
count and divide our money. He would also urge me to seek further markets
and increase my sales.
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"Often I went outside the city gates to solicit the overseers of the slaves
building the walls. I hated to return to the disagreeable sights but found the
overseers liberal buyers. One day I was surprised to see Zabado waiting in line
to fill his basket with bricks. He was gaunt and bent, and his back was
covered with welts and sores from the whips of the overseers. I was sorry for
him and handed him a cake which he crushed into his mouth like a hungry
animal. Seeing the greedy look in his eyes, I ran before he could grab my
tray.
“Why dost thou work so hard?' Arad Gula said to me one day. Almost the same
question thou asked of me today, dost thou remember? I told him what
Megiddo had said about work and how it was proving to be my best friend. I
showed him with pride my wallet of pennies and explained how I was saving
them to buy my freedom.
“When thou art free, what wilt thou do?' he inquired.
“Then,' I answered, I intend to become a merchant.'
"At that, he confided in me. Something I had never suspected. 'Thou knowest
not that I, also, am a slave. I am in partnership with my master."
"Stop," demanded Hadan Gula. 'I will not listen to lies defaming my
grandfather. He was no slave." His eyes blazed in anger.
Sharru Nada remained calm. "I honor him for rising above his misfortune and
becoming a leading citizen of Damascus. Art thou, his grandson, cast of the
same mold? Art thou man enough to face true facts, or dost thou prefer to
live under false illusions?"
Hadan Gula straightened in his saddle. In a voice suppressed with deep

emotion he replied, "My grandfather was beloved by all. Countless were his
good deeds. When the famine came did not his gold buy grain in Egypt and
did not his caravan bring it to Damascus and distribute it to the people so
none would starve? Now thou sayest he was but a despised slave in Babylon."
"Had he remained a slave in Babylon, then he might well have been despised,
but when, through his own efforts, he became a great man in Damascus, the
Gods indeed condoned his misfortunes and honored him with their respect,"
Sharru Nada replied.
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"After telling me that he was a slave," Sharru Nada continued, 'he explained
how anxious he had been to earn his freedom. Now that he had enough
money to buy this he was much disturbed as to what he should do. He was no
longer making good sales and feared to leave the support of his master.
"I protested his indecision: 'Cling no longer to thy master. Get once again the
feeling of being a free man. Act like a free man and succeed like one! Decide
what thou desirest to accomplish and then work will aid thee to achieve it!'
He went on his way saying he was glad I had shamed him for his cowardice.*
"One day I went outside the gates again, and was surprised to find a great
crowd gathering there. When I asked a man for an explanation he replied:
'Hast thou not heard? An escaped slave who murdered one of the King's guards
has been brought to justice and will this day be flogged to death for his
crime. Even the King himself is to be here.'
"So dense was the crowd about the flogging post, I feared to go near lest my
tray of honey cakes be upset. Therefore, I climbed up the unfinished wall to
see over the heads of the people. I was fortunate in having a view of
Nebuchadnezzar himself as he rode by in his golden chariot. Never had I
beheld such grandeur, such robes and hangings of gold cloth and velvet.
"I could not see the flogging though I could hear the shrieks of the poor slave.
I wandered how one so noble as our handsome King could endure to see such
suffering, yet when I saw he was laughing and joking with his nobles, I knew
he was cruel and understood why such inhuman tasks were demanded of the
slaves building the walls.
"After the slave was dead, his body was hung upon a pole by a rope attached
to his leg so all might see. As the crowd began to thin, I went close. On the
hairy chest, I saw tattooed, two entwined serpents. It was Pirate. "The next
time I met Arad Gula he was a changed man. Full of enthusiasm he greeted
me: 'Behold, the slave thou knewest is now a free man. There was magic in
thy words. Already my sales and my profits are increasing. My wife is
overjoyed. She was a free woman, the niece of my master. She much desires
that we move to a strange city where no man shall know I was once a slave.
Thus our children shall be above reproach for their father's misfortune. Work
has become my best helper. It has enabled me to recapture my confidence
and my skill to sell.'
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"I was overjoyed that I had been able even in a small way, to repay him for
the encouragement he had given me.
*Slave customs in ancient Babylon, though they may seem inconsistent to us,
were strictly regulated by law. For example, a slave could own property of
any kind, even other slaves upon which his master had no claim. Slaves
intermarried freely with non-slaves. Children of free mothers were free. Most
of the city merchants were slaves. Many of these were in partnership with
their masters and wealthy in their own right.
“One evening Swasti came to me in deep distress: 'Thy master is in trouble. I

fear for him.
Some months ago he lost much at the gaming tables. He pays not the farmer
for his grain nor his honey.
He pays not the money lender. They are angry and threaten him."
"Why should we worry over his folly. We are not his keepers,' I replied
thoughtlessly.
“Foolish youth, thou understandeth not. To the money lender didst he give
thy title to secure a loan. Under the law he can claim thee and sell thee. I
know not what to do. He is a good master. Why?
Oh why, should such trouble come upon him?'
"Not were Swasti's fears groundless. While I was doing the baking next
morning, the money lender returned with a man he called Sasi. This man
looked me over and said I would do.
"The money lender waited not for my master to return but told Swasti to tell
him he had taken me. With only the robe on my back and the purse of
pennies hanging safely from my belt, I was hurried away from the unfinished
baking.
"I was whirled away from my dearest hopes as the hurricane snatches the tree
from the forest and casts it into the surging sea. Again a gaming house and
barley beer had caused me disaster.
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"Sasi was a blunt, gruff man. As he led me across the city, I told him of the
good work I had been doing for Nana-naid and said I hoped to do good work
for him. His reply offered no encouragement:
“I like not this work. My master likes it not. The King has told him to send me
to build a section of the Grand Canal. Master tells Sasi to buy more slaves,
work hard and finish quick. Bah, how can any man finish a big job quick?'
"Picture a desert with not a tree, just low shrubs and a sun burning with such
fury the water in our barrels became so hot we could scarcely drink it. Then
picture rows of men, going down into the deep excavation and lugging heavy
baskets of dirt up soft, dusty trails from daylight until dark. Picture food
served in open troughs from which we helped ourselves like swine. We had no
tents, no straw for beds. That was the situation in which I found myself. I
buried my wallet in a marked spot, wondering if I would ever dig it up again.
"At first I worked with good will, but as the months dragged on, I felt my
spirit breaking. Then the heat fever took hold of my weary body. I lost my
appetite and could scarcely eat the mutton and vegetables. At night I would
toss in unhappy wakefulness.
"In my misery, I wondered if Zabado had not the best plan, to shirk and keep
his back from being broken in work. Then I recalled my last sight of him and
knew his plan was not good.
"I thought of Pirate with his bitterness and wondered if it might be just as
well to fight and kill. The memory of his bleeding body reminded me that his
plan was also useless.
"Then I remembered my last sight of Megiddo. His hands were deeply

calloused from hard work but his heart was light and there was happiness on
his face. His was the best plan.
"Yet I was just as willing to work as Megiddo; he could not have worked
harder than I. Why did not my work bring me happiness and success? Was it
work that brought Megiddo happiness, or was happiness and success merely in
the laps of the Gods? Was I to work the rest of my life without gaining my
desires, without happiness and success? All of these questions were jumbled
in my mind and I had not an answer. Indeed, I was sorely confused. "Several
days later when it seemed that I was at the end of my endurance and my
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questions still unanswered, Sasi sent for me. A messenger had come from my
master to take me back to Babylon. I dug up my precious wallet, wrapped
myself in the tattered remnants of my robe and was on my way.
"As we rode, the same thoughts of a hurricane whirling me hither and thither
kept racing through my feverish brain. I seemed to be living the weird words
of a chant from my native town of Harroun:
Besetting a man like a whirlwind,

Driving him like a storm,
Whose course no one can foliate,
Whose destiny no one can foretell.
"Was I destined to be ever thus punished for I knew not what? What new
miseries and disappointments awaited me?
"When we rode to the courtyard of my master's house, imagine my surprise

when I saw Arad Gula awaiting me. He helped me down and hugged me like a
long lost brother.
"As we went our way I would have followed him as a slave should follow his
master, but he would not permit me. He put his arm about me, saying, 'I
hunted everywhere for thee. When I had almost given up hope, I did meet
Swasti who told me of the money lender, who directed me to thy noble
owner. A hard bargain he did drive and made me pay an outrageous price, but
thou art worth it.
Thy philosophy and thy enterprise have been my inspiration to this new
success."
“Megiddo's philosophy, not mine,' I interrupted.
“Megiddo's and thine. Thanks to thee both, we are going to Damascus and I
need thee for my partner. 'See,' he exclaimed, 'in one moment thou will be a
free man!' So saying he drew from beneath his robe the clay tablet carrying
my title. This he raised above his head and hurled it to break in a hundred
pieces upon the cobble stones. With glee he stamped upon the fragments
until they were but dust.
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"Tears of gratitude filled my eyes. I knew I was the luckiest man in Babylon.
"Work, thou see, by this, in the time of my greatest distress, didst prove to be
my best friend.
My willingness to work enabled me to escape from being sold to join the slave
gangs upon the walls. It also so impressed thy grandfather, he selected me for
his partner."
Then Hadan Gula questioned, "Was work my grandfather's secret key to the
golden shekels?"
"It was the only key he had when I first knew him," Sharru Nada replied. "Thy
grandfather enjoyed working. The Gods appreciated his efforts and rewarded
him liberally."
"I begin to see," Hadan Gula was speaking thoughtfully. "Work attracted his
many friends who admired his industry and the success it brought. Work
brought him the honors he enjoyed so much in Damascus. Work brought him
all those things I have approved. And I thought work was fit only for slaves."
"Life is rich with many pleasures for men to enjoy," Sharru Nada commented.
"Each has its place. I am glad that work is not reserved for slaves. Were that
the case I would be deprived of my greatest pleasure. Many things do I enjoy
but nothing takes the place of work."
Sharru Nada and Hadan Gula rode in the shadows of the towering walls up to
the massive, bronze gates of Babylon. At their approach the gate guards
jumped to attention and respectfully saluted an honored citizen. With head
held high Sharru Nada led the long caravan through the gates and up the
streets of the city.
"I have always hoped to be a man like my grandfather," Hadan Gula confided
to him. "Never before did I realize just what kind of man he was. This thou
hast shown me. Now that I understand, I do admire him all the more and feel
more determined to be like him. I fear I can never repay thee for giving me
the true key to his success. From this day forth, I shall use his key. I shall
start humbly as he started, which befits my true station far better than
jewels and fine robes."
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So saying Hadan Gula pulled the jeweled baubles from his ears and the rings
from his fingers. Then reining his horse, He dropped back and rode with deep
respect behind the Leader of the caravan.
122
Brought To You By

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“A Classic From

The Diamond’s Mine Library”

Public Domain Notice

An Historical Sketch of Babylon ..................................... 8

The Man Who Desired Gold..........................................14

The Richest Man In Babylon .........................................20

Seven Cures For a Lean Purse ......................................30

The First Cure .........................................................34

The Second Cure ......................................................37

The Third Cure ........................................................39

The Fourth Cure.......................................................41

The Fifth Cure .........................................................43

The Sixth Cure .........................................................45

The Seventh Cure .....................................................47

The Five Laws of Gold................................................62

The Gold Lender of Babylon ........................................73

The Walls of Babylon .................................................84

The Camel Trader of Babylon.......................................88

The Clay Tablets From Babylon ....................................98

The Luckiest Man In Babylon...................................... 107

To bring your ambitions and desires to fulfillment, you must be successful

LO, MONEY IS PLENTIFUL

1. Start thy purse to fattening

2. Control thy expenditures

3. Make thy gold multiply

4. Guard thy treasures from loss

5. Make of thy dwelling a profitable investment

6. Insure a future income

7. Increase thy ability to earn

Babylon is an outstanding example of man's ability to achieve great

Today, this valley of the Euphrates, once a populous irrigated farming

An interesting fact in this connection is the means used to determine these

In addition to irrigating the valley lands, Babylonian engineers completed

One of the outstanding wonders of Babylon was the immense walls

Peddlers offered their wares through residential districts. Priests officiated in

Advisors of Nabonidus, the King of Babylon, persuaded him to go forth to

Money is governed today by the same laws which controlled it when

That is truth, Kobbi, unpleasant thought though it be. We do not wish to go

"He is claimed to be the richest man in all Babylon," Bansir mused.

"Kobbi, thou bringest to me a rare thought." A new light gleamed in Bansir's

“Fickle Fate' is a vicious goddess who brings no permanent good to anyone.

"One may even build mighty temples for the Gods.

“Now,' I said, 'tell me what you promised.'

"Then he continued to look at me with a glance that I could feel pierce me

“Is that all?' I asked.

“But all I earn is mine to keep, is it not?' I demanded.

"So saying, he took his tablets and went away.

"I answered proudly, 'Yes, master, I have.' 'That is good,' he answered

”What progress have you made since last I saw you?”

"And do you still take the advice of brick makers?”

"About brick making they give good advice,” I retorted.

If on the seventh day I passed by without remembering, I would not say to

Therefore, I am careful not to start difficult and impractical tasks, because I

A PART OF ALL YOU EARN IS YOURS TO KEEP.

They first had to learn how to become wealthy.

"Well said, my able Chancellor. It is Arkad. He is richest man in Babylon. Bring

"By taking advantage of opportunities available to all citizens of our good

"Thou hadst nothing to start with?"

"Only a great desire for wealth. Besides this, nothing."