The legacy which outranks all the others in disastrous consequences is the notion that the young people must begin where their parents left off; that the house must be, if anything, a little more elaborate. Therefore in starting life the rent is allowed to consume one third the income in sight, without considering the cost of maintaining such an establishment. With a probable income of $2000 a year the young man does not hesitate to pay $500 for a house, not realizing that at least half as much more should be spent on wages for the care of the nineteenth-century house, and as much more on incidentals, car-fares, and unexpected demands. What wonder that the young people find themselves in debt by the second year? The parents are quite as much, if not more, to blame for encouraging this extravagance. The father and mother are entitled to their ease and to the use of their income for it, but the newly married pair have, in this age, no right to assume the same attitude. They have their way to make, their work to do in the years ahead of them. They should not mortgage the future for the sake of the present luxury; and because of the uncertainties of occupation and of health it is wise to take out of the expected income one fourth or one third for a reserve fund and divide the remainder for expenses. For instance, from $2000 a year subtract $500, then divide the $1500 into $300 for rent, $300 for food, $300 for operating expenses, $200 for clothing, $200 for travel, leaving $200 for the other expenses. If unlooked-for expenses must be incurred, there is the $500 to draw upon; but do not court the extra outlay: save the nest-egg if possible. The ideals of the home are said to rule the world. The young business man who does not take the sane view of his own expenses will not rightly consider his employer's interests. It is more than probable that the much-deplored laxness, to call it by no harsher name, in business circles is directly traceable to this falseness and dishonesty in standards of home life. This moral effect is what makes the housing problem so serious. It leads to an outward show not balanced by an ability to maintain an inner life in harmony. It leads to an attempt to carry on a four-servant house with two servants, or a three servant establishment with one. Lack of study and experience leads the family living in the suburbs, in one of the worst legacies of the past, to attempt the same style as friends maintain in a lately built apartment house, without in the least understanding wherein the difference lies. From the Atlantic to the Pacific, from Maine to Texas, comes the same dull and sullen roar of domestic unrest. Lack of faithful service is causing the abandonment of the family home, and the fear of the obstacles in the way of establishing new ones threatens the whole social fabric.