The Personal Equation 189 



clays of health and strength than to invest his savings 

 in a garden home, and acquire all the skill he can in 

 handling it. This is a question for millions of men 

 and women — a question by no means academic, but of 

 the most practical sort. 



Another aspect of the personal equation: S. W. 

 Strauss, of the National Society of Thrift, quoting 

 from the records of the Surrogate Courts, made this 

 statement : 



"Of 100 men who die— 



3 leave estates of $10,000 or more, 

 15 leave estates of from $2,000 to $10,000, 

 82 out of every 100 leave no income-producing 

 estate at all. 

 "Of 100 widows— 



6 are left in good or comfortable circum- 

 stances, 

 47 are obliged to go to work, 

 35 are left in absolute want." 



What a reflection on the civilization of America in 

 the Twentieth Century ! Eighty-two men out of every 

 hundred are unable to provide for their nearest and 

 dearest, as the net result of their life-time labor ! Their 

 wives must go out and look for a job, or hold out their 

 hands for charity when the bread-winner drops by the 

 wayside. 



Really, is it any wonder that among our hundred 

 millions there are some who openly declare for Social 

 Revolution? A great New York banker, on returning 

 from a trip to Russia, remarked : "We would all be 



