In the mean time, the young man who had made the proposition to Jacob, when he learned that he had once failed in business, was still in debt, and liable to have claims pushed against him, (this he inferred from Jacob’s having stretched the truth, by saying that his old debts drained away from him every dollar, when the fact was he was freed from them by the provisions of the insolvent law of the State,) came to the conclusion that a business connection with him was a thing to be avoided rather than sought after.  He accordingly turned his thoughts in another quarter, and when Jones called to inform him that he had raised the capital needed, he was coolly told that it was too late, he having an hour before closed a partnership arrangement with another person, under the belief that Jones could not advance the money required.

This was a bitter disappointment, and soured the mind of Jacob against his fellow man, and against the fates also, which he alleged were all combined against him.  His own share in the matter was a thing undreamed of.  He believed himself far better qualified for business than the one who had been preferred before him, and he had the thousand dollars to advance.  It must be his luck that was against him, nothing else; he could come to no other conclusion.  Other people could get along in the world, but he couldn’t.  That was the great mystery of his life.

For two years Jacob had been waiting to get married.  He had not wished to take this step before entering into business, and having a fair prospect before him.  But years were creeping on him apace, and the fair object of his affections seemed weary of delay.

“It’s no use to wait any longer,” said he, after this dashing of his cup to the earth.  “Luck is against me.  I shall never be any thing but a poor devil of a clerk.  If Clara is willing to share my humble lot, we might as well be married first as last.”

Clara was not unwilling, and Jacob Jones entered into the estate connubial, and took upon him the cares of a family, with a salary of seven hundred dollars a year, to sustain the new order of things.  Instead of taking cheap boarding, or renting a couple of rooms, and commencing housekeeping in a small way, Jacob saw but one course before him, and that was to rent a genteel house, go in debt for genteel furniture, and keep two servants.  Two years were the longest that he could bear up under this state of things, when he was sold out by the sheriff, and forced “to go through the mill again,” as taking the benefit of the insolvent law was facetiously called in the State where he resided.

“Poor fellow! he has a hard time of it.  I wonder why it is that he gets along so badly.  He is an industrious man and regular in his habits.  It is strange.  But some men seem born to ill-luck.”

So said some of his pitying friends.  Others understood the matter better.