There are homes in the tenements where the wages of the earners make a family income, in which all share equally, independent of the amount contributed. There is a bank account. It may be in the joint name of father and mother, but it is far more commonly the unquestioned property of the mother. The children look upon this as the protection of the parents from dependence in old age, should it not be called upon by illness or misfortune. Such families represent the highest moral development in tenement-house life. The children have been trained to appreciate educational opportunities, and school is through childhood an important factor in life. When the wage-earning period comes, night-school advantages are appreciated and used. When the work is chosen, some thought is given to the promise of future wage-earning powers by the acquiring of skill in that employment. The maximum wages possible at the present time is not the controlling element in the decision. The future is not sacrificed to the present. Such a home is kept, no matter how small, in a condition that makes social life in it possible. Hallways, street corners, store steps are not the only places for the development of the social instincts of the members of such families. After marriage the family is united, and home, though it be in the top of a tenement, is the Mecca for children and grandchildren. At the other end of the social scale in this world of workers is the happy-go-lucky family. Here the system of financial management has its faults, but much is found that is better than wisdom in money matters. Spending extravagantly when there is money, going without cheerfully when there is none. Why, the going without is scarcely treated even with the respect of making it a subject of conversation. The habit of sharing when any member has anything to share becomes a fixed habit, and "mine" and "thine" are not in the family vocabulary. The result is a close and inter-dependent family relation, of which the mother is the center. Often you will find that this mother has never had any clothes that would do to wear on the street, except to early Mass, if she is a Romanist, or that she rarely goes to church, if a Protestant, because her clothes are not what she calls "fit." Her life is the gospel of unselfishness, and she reaps the reward of love. One may fret at the waste, resent the short-sightedness, which means ignorance and shiftlessness; but there is so much pleasure in these families, so much that means happiness in them, that one even learns to forget the frets. They never grow beyond childhood in worldly wisdom, and childhood is always attractive. It is so rich in promise. Happiness is the cement of human life. Poverty does not change its power of holding the members together through weal or woe. There is a common inheritance of memories that never lose their power of cohesion where love and friendship reign in families.