"To me it is all luck." After this remark, he was silent for some time.

Then he said, with a tone made cheerful by the thought he expressed, "How pleasantly we would be getting along if our family were no larger than it was when I had only four hundred dollars income.

How easy it would be to lay up a thousand dollars every year.

Let me see, we have been married over sixteen years.

Just think what a handsome little property we would have by this time--sixteen thousand dollars.