I can think of nothing more disturbing than to be caught short-handed (otherwise broke) in a community marked by a dearth of opportunity to earn a living—-With dependents to care for. Such was our country in the early days. My parents had rubbed up against this situation on numerous occasions. However, unlike some of our neighbors, the time never came when we did not have enough to eat. But that “hand to mouth” rule of living could not rub out the anxiety. It was an era when the ambitious young fellow was of necessity compelled early in life to begin laying-by for the “rainy day” if he did not wish to run the risk of becoming an object of charity—and who did in the old days? It was then considered about the last straw. It took a long time to lay-by a competence in the old days. The average wage-earner gets as much per hour now as was paid for a whole day’s work then—when ten hours was a day. This is not to say the young “sprout” could not marry before he had a competence. He did—recklessly. And paid the price. It was to avoid such conditions as this that I made a firm resolve to defer marriage until I could make a stake. I set my goal at $10,000, and when things got going good I kept right on going until this goal was more than doubled — and in subsequent years learned that it was none too much: However, in strict honesty, I think this cautious streak was inherited rather than instilled in me by observations. My father had entertained the same cautious notions. Orphaned early in life, he made his own way—saved, and had what he called a nice nest-egg at the age of 25. He went from Kentucky over into Tennessee to visit relatives, met my mother while there—and married her the next time he came into her back-woods community. And had it not been for the cruel Civil War—and the guerillas—I am pretty sure: that I would have had a rich Dad regardless of his super-abundance of kids. However, conditions changed for the better for father. When his boys got big enough to lessen the burden, and then in time lift it altogether, he had an easy life. My brother Frank worked with him in the shoeshop, and at the same time conducted a shoe store in the front end of the building, with our sister Nannie in charge. When Frank decided to go to California to join his brother Dave in business, he gave them the shoe stock. I had written insurance in the sum of $1,000 for Frank, and when the assigned policy was about to expire I mentioned the matter one day at the dinner table. Father said, “Oh, I don’t need any insurance.”