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'When did I first begin?' he rejoined, passing his hand across his brow. 'When was it, that I first began? When should it be, but when I began to think how little I had saved, how long a time it took to save at all, how short a time I might have at my age to live, and how she would be left to the rough mercies of the world, with barely enough to keep her from the sorrows that wait on poverty; then it was that I began to think about it.'