They must work out their own salvation.

The poorest men have done it; why should not every man do it?
The brave, upward spirit ever conquers.
The number of well-paid workmen in this country has become very large, who might easily save and economize, to the improvement of their moral well-being, of their respectability and independence, and of their status in society as men and citizens.

They are improvident and thriftless to an extent which proves not less hurtful to their personal happiness and domestic comfort, than it is injurious to the society of which they form so important a part.
In "prosperous times" they spend their gains recklessly, and when adverse times come, they are at once plunged in misery.

Money is not used, but abused; and when wage-earning people should be providing against old age, or for the wants of a growing family, they are, in too many cases, feeding folly, dissipation, and vice.

Let no one say that this is an exaggerated picture.