My great grandfather used to chip coal with a young Andrew Carnegie. Then gramps married a tidy German woman who used to make his buddy Andrew come to the back door because he was always dirty! The lesson here is that it took long hours of dirty hard work for the ‘robber baron’ Carnegie to make it big. Today, it seems that many very wealth people earn their money quickly and without much work.

Another Carnegie story: Tolley fare was 4 cents, but most people just dropped in a nickel and didn’t wait for change. Not Andy Carnegie. He always waited for his penny. When asked why, he responded: “Pennies make dollars.” Spoken like a true Scotsman!