The majority of working-class families live almost from hand to mouth. The utmost to be expected from them in the way of thrift is provision for pay in time of sickness from a friendly society; and even that is not possible for all the members of a household. Provision may also be made for aliment from a trade union in time of unemployment; and in some cases for some period there may be something saved and set aside in the bank. They are accustomed to hear of their improvidence from people who have never known what it is to suffer from ill-health and consequent loss of income, and who would find their place in a lunatic asylum if they tried to live for a year under the circumstances of those whom they criticise and direct. Their lamentations and advice are sometimes echoed by the man who has risen from the ranks to comparative opulence, and who forgets that if his neighbours had been like him he would never have been where he is. The only capital they have is their health, and anything may happen to set aside the principal member of the family and throw the others into a struggle that may lame them. The life of the individual worker is nearly always one of interdependence. In his early years he is dependent on his parents and his elder brothers and sisters. When he is able to work his wages go into the common stock, and by the time he can earn enough to support himself he may have to contribute to the support of his parents. Thrift in the case of any family cannot be estimated by the money saved, and in many of the model thrifty families it may be found that the cash saving has been made at the expense of starving the bodies and minds of the children. Time and again, well-doing families have become destitute after a severe and prolonged struggle, or after a short period in which they have suffered blow after blow, as a result of sickness or loss of work; and as there is no public provision made for helping such people until they are quite destitute, and then only the minimum of relief is given them and they are set adrift to recover under conditions that render recovery almost impossible, it is wonderful that so many manage to survive.