We were all together one evening, talking of the good prospect that lay before Charley, who, firmly established as the overseer of a large printing establishment, was saving money with the view of setting up for himself in business, 'one of these fine days,' as he said. Ruth was busy upon something marvellous in the shape of a frock for baby, and much serious conversation was indulged in by the females on the subject of trimmings. Said Ruth, 'Charley, when baby grows up she shall write a book, and you shall print it.' 'Why,' exclaimed Charley, 'you don't want baby to be a bluestocking, do you, Ruth? 'She will be clever enough for anything,' said Ruth confidently. 'There, mother, don't you think she will look beautiful in this?' And Ruth held up the frock for inspection. 'I begin to think,' said Charley, 'that I am ambitious. Are you?' he asked of Robert Truefit. 'I can't afford to be,' answered Robert Truefit, with a smile. 'In my position, and with my responsibilities, ambition would lead to discontent--discontent to unhappiness. I have seven pairs of feet to provide boots and shoes for, and you can guess what that means.' I had heard and read a great deal of the extravagance and improvidence of the working-man, and looking upon Robert Truefit as a fair sample of the better class--better because right-minded and intelligent--I asked him if he was saving money for a rainy day, as the saying is. 'The only rainy day,' he said, 'for which I have been able to provide in the shape of money, is the day on which I shall die. Then my wife, if she is alive and if the company in which my life is insured is not dishonest, will receive two hundred pounds. Every year I pay the insurance a weight is taken from my heart; not so much because I am able to pay it, as because my children are a year nearer to the time when they will be able to work for their mother and assist her, should anything happen to me.' He gave me a bright look. 'I am endeavouring to train my young ones properly, and in that way perhaps I may say that I am saving up for a rainy day. But I see that you are anxious for further particulars. If you will give me a hint in what direction to let my tongue run, I shall be glad to oblige you.' 'Well,' I suggested; 'concerning income and expenditure.'