Two of the hardest things to accomplish in this world are to acquire wealth by honest effort and, having gained it, to learn how to use it properly. Recently I walked into the locker room of a rather well-known golf club after finishing a round. It was in the late afternoon and most of the members had left for their homes. But a half-dozen or so men past middle age were still seated at tables talking aimlessly and drinking more than was good for them. These same men can be found there day after day, and, strangely enough, each one of these men had been a man of affairs and wealth, succ