From the close of the war to the end of his life, a period of sixteen
years, Girard pursued the even tenor of his way, as keen and steady in
the pursuit of wealth, and as careful in preserving it, as though his
fortune were still insecure. Why was this? We should answer the
question thus: Because his defective education left him no other
resource. We frequently hear the "success" of such men as Astor and
Girard adduced as evidence of the uselessness of early education. On
the contrary, it is precisely such men who prove its necessity; since,
when they have conquered fortune, they know not how to avail
themselves of its advantages. When Franklin had, at the age of
forty-two, won a moderate competence, he could turn from business to
science, and from science to the public service, using money as a
means to the noblest ends. Strong-minded but unlettered men, like
Girard, who cannot be idle, must needs plod on to the end, adding
superfluous millions to their estates. In Girard's case, too, there
was another cause of this entire devotion to business. His domestic
sorrows had estranged him from mankind, and driven him into himself.
Mr. Henry W. Arey, the very able and high-minded Secretary of Girard
College, in whose custody are Girard's papers, is convinced that it
was not the love of money which kept him at work early and late to the
last days of his life.

"No one," he remarks,

"who has had access to his private papers, can fail to
become impressed with the belief that these early
disappointments furnish the true key to his entire
character. Originally of warm and generous impulses, the
belief in childhood that he had not been given his share of