People who are not born with a fortune, but end by making a large one through the exercise of whatever talents they possess, almost always come to think that their talents are their capital, and that the money they have gained is merely the interest upon it; they do not lay by a part of their earnings to form a permanent capital, but spend their money much as they have earned it. Accordingly, they often fall into poverty; their earnings decreased, or come to an end altogether, either because their talent is exhausted by becoming antiquated,—as, for instance, very often happens in the case of
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