"We have never been much into fashionable society, Sam. I've no doubt there are a good many things that would seem strange to us if we did." "When I am rich, I'll live just like Mr. Chester," said Sam, enthusiastically. "If you ever want to be rich, you must save up money." "I can't now." "Why can't you save up part of these twenty-five dollars?" "I owe part of it to you." "Only about five dollars." "I've got to get along till the end of the week." "You ought to be able to save fifteen dollars, at any rate. I'll go with you to the savings-bank, and you can put it in to-night, I know a bank that keeps open till eight o'clock." Sam hesitated, and looked reluctant. "I guess I'll wait and see how much I need to carry me through the week," he said. "At any rate, pay me what you owe me, and I'll deposit a part of it on my own account." Settlement was made, and Henry, accompanied by Sam, went round to the Sixpenny Savings-Bank, then established on Astor Place, in a part of the Mercantile Library Building. It is kept open every day in the week from 10 A. M. till 8 P. M., thus affording better accommodation to depositors than most institutions of the kind. Sam had never been in a savings-bank before, and he looked about him with curiosity. Henry took the five-dollar bill which Sam had paid him, and handed it with his bankbook to the receiving clerk, saying: "I want to deposit three dollars of this." An entry was made in the book, which was returned to him, with two dollars change. Henry turned away. "Is that all?" asked Sam. "Yes, that is all." "Supposin' you wanted to draw out money, what would you do, then?" "Go to that other clerk, and tell him how much you wanted to draw. He would give you a paper to sign, and then he'd give you the money." "How much money have you got here now, Henry?" "Thirty-five dollars," answered his companion, with pardonable pride. "That's about twice as much as I have got here." "Yes; don't you think you had better take out a book?" "I guess I will come next week," said Sam, hesitating. "You have no idea how independent it makes me feel," said Henry. "Now, if I am sick I know I shan't have to suffer, for a time at least. I could live for seven or eight weeks on what I've got here in the bank." "That's so. I wish I had thirty-five dollars." "You may have it after a while if you'll do as I do--be economical and saving." "I'll think about it," said Sam. "I'd like to have something to fall back upon in my old age." Henry commended this plan, though he knew Sam too well to have much hope of his carrying it out. As it turned out, not a dollar of the reward which he had been paid found its way to the savings-bank. How it was disposed of we shall see. The next day, as Sam was going to the office, he met a young man with whom he had lately become acquainted. "How are you, Sam?" he asked. "Tiptop," answered Sam. "How does the world use you?" "Pretty well. I've just made some money." "How much?"