In the American Jungle by Waldo David Frank

So I went to Florida for a rest.

Of course, I left all my money there in real estate ventures, and had to return by boat. This is a cheaper way than Pullman, and I soothed my pride by arguing that it would round out my experience. In Miami, Sarasota, St. Augustine and Jacksonville, I had encountered nothing but millionaires. There must be a nether side, an "other half of the world," even in Florida. More modest revelers in sunshine surely must go south by winter and doubtless I would find these coming north by boat.