And when a man obtains by his labour more than enough for his personal and family wants, and can lay by a little store of savings besides, he unquestionably possesses the elements of social well-being.

The savings may amount to little, but they may be sufficient to make him independent.
There is no reason why the highly-paid workman of to-day may not save a store of capital.

It is merely a matter of self-denial and private economy.

Indeed, the principal industrial leaders of to-day consist, for the most part, of men who have sprung directly from the ranks.

It is the accumulation of experience and skill that makes the difference between the workman and the _no_-workman; and it depends upon the workman himself whether he will save his capital or waste it.