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For his birthday, little Joseph asked for a 10-speed bicycle. His father said, "Son, we'd give you one, but the mortgage on this house is $280,000 and your mother just lost her job. There's no way we can afford it."

The next day the father saw little Joseph heading out the front door with a suitcase. So he asked, "Son , where are you going?"

Little Joseph told him; "I was walking past your room last night and heard you telling mom you were pulling out. Then I heard her tell you to wait because she was coming too. And I'll be damned if I'm staying here by myself with a $280,000 mortgage and no bike!"