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respectable man had three sons, who grew up, lived, and died in the same city.

The oldest one turned his back at an early age on study. Being eager to earn something at once, he obtained employment driving a grocer's delivery wagon. He never acquired a trade, but was a teamster or driver all his life. In his youth he spent all his spare time with idle companions and devoted his earnings to beer, tobacco, and amusement. At twenty-two he fell in love and married. He had six children who scrambled part way through the public grammar school after a negligent fashion, but cost as much money and more of the teachers' time than if they had been regular and studious. This son never earned over two dollars a day except on election day, when he earned five or more, according to circumstances. He never had ten dollars in his possession over and above his debts.

The second son was the scholar of the family. By energy, perseverance, and self-denial he managed to get a professional education. He married at thirty, being in the receipt of an adequate income from his profession, but not yet having accumulated any capital. He had three children who were all educated in the public grammar and high schools, and his son went to the university, which was a state institution supported by taxation. His wife had strong social ambition, and, although he had early trained himself in habits of frugality and prudence, he found himself forced to enlarge his