"What is your salary, pray?"

"Six hundred a year."

"So I thought. But you don't mean to say that in six months you have saved one hundred dollars out of three hundred?"

"Yes; that is just what I mean to say."

"Preposterous. I get six hundred, and am in debt."

"No wonder."

"Why no wonder?"

"If a man spends more than he receives, he will fall in debt."

"Of course he will. But on a salary of six hundred, how is it possible for a man to keep out of debt?"

"By spending less than he receives."