To Nanette

________________________________________________
_ _A Former Maid_

Curiously enough, my dear little Nanette, I was thinking about you, and wishing to know something of you, the very day your letter came.

Of many who have been helpers in my employ, you were one of the few who seemed to care more for me than for the wages I paid.

There was between us that ideal condition which I wish might exist between all employers and employees. You wanted the work you were fitted to do, and I wanted such work done. You were glad of the money it brought you, and I was glad to recompense you. You wanted appreciation and sympathy and consideration aside from your earnings, and I wanted a personal interest in my affairs, and a friendly wish to please me, aside from the mere work well done. You never seemed to me less womanly or less refined because you were a wage-earner, and I did not represent to you oppression or monopoly merely because I paid the money and you received it. I took you into my confidence in many ways, and you made me feel I was your friend as well as your employer. We enjoyed cosy chats, and yet you no more desired or wished to be present at my social functions than you desired me to enter into all your merrymakings and pleasures. You were, in fact, one of the most agreeable and sensible women I have ever known in any station in life. And now you write me that you are engaged to be married, and ask me to give you counsel in a very serious matter.

Together with your other excellent qualities, you have possessed economy and prudence.

At the age of twenty-five you have a tidy bank-account, the savings of eleven years. This money is increasing, year by year, and drawing a small interest.

Now comes your lover, a hard-working and sober young man, so you say, but earning only a small salary as a clerk.

He has met with some reverses, and is temporarily embarrassed. He wants you to lend him a few hundred dollars, and he will pay you the same interest you are now receiving, but you fear it would be unwomanly on your part to take this interest money. At the same time you feel a reluctance to break in upon your savings, which you had planned to use in helping establish a home. You want to befriend your lover, and you want to be wise and careful, and so you write to me, your old-time adviser, for counsel. I fear I may hurt your feelings in what I am about to say.

I have seen much of the world, and have studied humanity in many phases and in many classes.

There is one type of man I have never yet known to be strong, reliable, and trustworthy,--a man for a woman to lean upon in times of trouble and sorrow,--a man I would like to see any friend take for a life companion,--_and that is the young man who asks a loan of money from a woman he loves, or one who loves him_. Believe me, there is some lack of real moral fibre in such a man.

A husband and wife many years married, and united by common interests, may become so one in purpose and thought that a common purse would be as natural to them as a common dinner-table.

With mutual interests, planning for their future and the future of their children, there could be no talk of "My money" and "Your money" between them.

But before marriage, or immediately after, the man who begins to ask a woman for the use of her purse, should be distrusted by her. He could not broach such a subject unless he lacked a certain refined strength which makes a manly man a woman's protector by nature. Even where no sentiment exists between a man and a woman, the really strong men of the world never become borrowers from women. If through friendly interest and affection some woman compelled such a man to take a loan, he would know no rest or peace of mind until he had liquidated the debt.

When a man is a woman's lover, and asks her to advance money to him for any reason, she may as well realize at once the reed on which she will lean if she accepts him for a life companion. To deceive herself for a moment with the idea that he will be a staff of strength, is but to delay disillusion. A vital quality is left out of his character.

He is but one step removed from the man who _seeks_ a woman because she has money. And he is the most despicable of the human race.

I have known three women of different social positions to lend money to their lovers.

One man invested it and lost it, and never made an effort to reimburse the lady, who broke her engagement in consequence, after two unhappy years. Another went away owing the money, and was never again heard from. The third married the unwise woman who had loaned him her competence, and continued to look to her for support.

Therefore, my dear Nanette, I would urge you to think twice, and yet a third time, before you lend your fiance your savings.

Tell him frankly that you will feel more respect for him if he is willing to sacrifice comfort and save from his own income enough to lift the debt he has incurred, and that you are sure he will feel less humiliated as time goes by if he is not financially in debt to you. If he were to fall ill tell him it would be your first impulse to devote your money to his care; but while he is able-bodied and well, you do not like to have him lean on you for aid.

You can judge something of the man's character by the way he receives this statement from you.

And whatever may result, even if it is the end of your engagement, do not grieve your heart away over it. Better far to have the end come now than to marry a dependent and shiftless man, who will humiliate your pride by a thousand and one mean traits. The moment a young wife becomes the financial head of a household, and the man depends upon her to keep the family free from debt, sentiment and romance fly from the windows of the heart, and poor Cupid goes away with his head under his wing. This situation might befall people long married, as I said before, without causing disaster, because the wife would have years of other experiences stored up in memory, to maintain her respect for her husband.

The natural instinct of a manly man is to be the protector and the breadwinner. He loves to shield and support the woman of his choice. If she has any talent or profession which gives her satisfaction to pursue, and which yields her an income, he will, if broad-minded and sympathetic, place no obstacle in her path so long as this vocation is no barrier to their domestic happiness. But he is sensitive to her assuming any of the financial burdens of life.

If circumstances render it necessary for her to do so, he suffers keenly, and the utmost delicacy and consideration on her part alone can save him from utter humiliation.

This is the attitude of the manly man, my dear Nanette, the man who makes the good husband and father.

The unselfish, broad-minded and considerate wife will lead a husband to think of her right to aid in the establishment and maintenance of a home when she is able to do her part. But the man who makes a good husband never suggests it as her duty, or asks her to advance money.

It is commendable in you to wish to aid in making a home. It is unmanly in your lover to ask you to help him pay his debts. Beware of the lover who asks for or accepts a loan. _

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