An excerpt from the original text.(complete · 4150 words)
urgis and Ona were very much in love; they had waited a long time—it
was now well into the second year, and Jurgis judged everything by the
criterion of its helping or hindering their union. All his thoughts
were there; he accepted the family because it was a part of Ona. And he
was interested in the house because it was to be Ona’s home. Even the
tricks and cruelties he saw at Durham’s had little meaning for him just
then, save as they might happen to affect his future with Ona.
The marriage would have been at once, if they had had their way; but
this would mean that they would have to do without any wedding feast,
and when they suggested this they came into conflict with the old
people. To Teta Elzbieta especially the very suggestion was an
affliction. What! she would cry. To be married on the roadside like a
parcel of beggars! No! No!—Elzbieta had some traditions behind her; she
had been a person of importance in her girlhood—had lived on a big
estate and had servants, and might have married well and been a lady,
but for the fact that there had been nine daughters and no sons in the
family. Even so, however, she knew what was decent, and clung to her
traditions with desperation. They were not going to lose all caste,
even if they had come to be unskilled laborers in Packingtown; and that
Ona had even talked of omitting a veselija was enough to keep her
stepmother lying awake all night. It was in vain for them to say that
they had so few friends; they were bound to have friends in time, and
then the friends would talk about it. They must not give up what was
right for a little money—if they did, the money would never do them any
good, they could depend upon that. And Elzbieta would call upon Dede
Antanas to support her; there was a fear in the souls of these two,
lest this journey to a new country might somehow undermine the old home
virtues of their children. The very first Sunday they had all been
taken to mass; and poor as they were, Elzbieta had felt it advisable to
invest a little of her resources in a representation of the babe of
Bethlehem, made in plaster, and painted in brilliant colors. Though it
was only a foot high, there was a shrine with four snow-white steeples,
and the Virgin standing with her child in her arms, and the kings and
shepherds and wise men bowing down before him. It had cost fifty cents;
but Elzbieta had a feeling that money spent for such things was not to
be counted too closely, it would come back in hidden ways. The piece
was beautiful on the parlor mantel, and one could not have a home
without some sort of ornament.
The cost of the wedding feast would, of course, be returned to them;
but the problem was to raise it even temporarily. They had been in the
neighborhood so short a time that they could not get much credit, and
there was no one except Szedvilas from whom they could borrow even a
little. Evening after evening Jurgis and Ona would sit and figure the
expenses, calculating the term of their separation. They could not
possibly manage it decently for less than two hundred dollars, and even
though they were welcome to count in the whole of the earnings of
Marija and Jonas, as a loan, they could not hope to raise this sum in
less than four or five months. So Ona began thinking of seeking
employment herself, saying that if she had even ordinarily good luck,
she might be able to take two months off the time. They were just
beginning to adjust themselves to this necessity, when out of the clear
sky there fell a thunderbolt upon them—a calamity that scattered all
their hopes to the four winds.
About a block away from them there lived another Lithuanian family,
consisting of an elderly widow and one grown son; their name was
Majauszkis, and our friends struck up an acquaintance with them before
long. One evening they came over for a visit, and naturally the first
subject upon which the conversation turned was the neighborhood and its
history; and then Grandmother Majauszkiene, as the old lady was called,
proceeded to recite to them a string of horrors that fairly froze their
blood. She was a wrinkled-up and wizened personage—she must have been
eighty—and as she mumbled the grim story through her toothless gums,
she seemed a very old witch to them. Grandmother Majauszkiene had lived
in the midst of misfortune so long that it had come to be her element,
and she talked about starvation, sickness, and death as other people
might about weddings and holidays.
The thing came gradually. In the first place as to the house they had
bought, it was not new at all, as they had supposed; it was about
fifteen years old, and there was nothing new upon it but the paint,
which was so bad that it needed to be put on new every year or two. The
house was one of a whole row that was built by a company which existed
to make money by swindling poor people. The family had paid fifteen
hundred dollars for it, and it had not cost the builders five hundred,
when it was new. Grandmother Majauszkiene knew that because her son
belonged to a political organization with a contractor who put up
exactly such houses. They used the very flimsiest and cheapest
material; they built the houses a dozen at a time, and they cared about
nothing at all except the outside shine. The family could take her word
as to the trouble they would have, for she had been through it all—she
and her son had bought their house in exactly the same way. They had
fooled the company, however, for her son was a skilled man, who made as
high as a hundred dollars a month, and as he had had sense enough not
to marry, they had been able to pay for the house.
Grandmother Majauszkiene saw that her friends were puzzled at this
remark; they did not quite see how paying for the house was “fooling
the company.” Evidently they were very inexperienced. Cheap as the
houses were, they were sold with the idea that the people who bought
them would not be able to pay for them. When they failed—if it were
only by a single month—they would lose the house and all that they had
paid on it, and then the company would sell it over again. And did they
often get a chance to do that? Dieve! (Grandmother Majauszkiene
raised her hands.) They did it—how often no one could say, but
certainly more than half of the time. They might ask any one who knew
anything at all about Packingtown as to that; she had been living here
ever since this house was built, and she could tell them all about it.
And had it ever been sold before? Susimilkie! Why, since it had been
built, no less than four families that their informant could name had
tried to buy it and failed. She would tell them a little about it.
The first family had been Germans. The families had all been of
different nationalities—there had been a representative of several
races that had displaced each other in the stockyards. Grandmother
Majauszkiene had come to America with her son at a time when so far as
she knew there was only one other Lithuanian family in the district;
the workers had all been Germans then—skilled cattle butchers that the
packers had brought from abroad to start the business. Afterward, as
cheaper labor had come, these Germans had moved away. The next were the
Irish—there had been six or eight years when Packingtown had been a
regular Irish city. There were a few colonies of them still here,
enough to run all the unions and the police force and get all the
graft; but most of those who were working in the packing houses had
gone away at the next drop in wages—after the big strike. The Bohemians
had come then, and after them the Poles. People said that old man
Durham himself was responsible for these immigrations; he had sworn
that he would fix the people of Packingtown so that they would never
again call a strike on him, and so he had sent his agents into every
city and village in Europe to spread the tale of the chances of work
and high wages at the stockyards. The people had come in hordes; and
old Durham had squeezed them tighter and tighter, speeding them up and
grinding them to pieces and sending for new ones. The Poles, who had
come by tens of thousands, had been driven to the wall by the
Lithuanians, and now the Lithuanians were giving way to the Slovaks.
Who there was poorer and more miserable than the Slovaks, Grandmother
Majauszkiene had no idea, but the packers would find them, never fear.
It was easy to bring them, for wages were really much higher, and it
was only when it was too late that the poor people found out that
everything else was higher too. They were like rats in a trap, that was
the truth; and more of them were piling in every day. By and by they
would have their revenge, though, for the thing was getting beyond
human endurance, and the people would rise and murder the packers.
Grandmother Majauszkiene was a socialist, or some such strange thing;
another son of hers was working in the mines of Siberia, and the old
lady herself had made speeches in her time—which made her seem all the
more terrible to her present auditors.
They called her back to the story of the house. The German family had
been a good sort. To be sure there had been a great many of them, which
was a common failing in Packingtown; but they had worked hard, and the
father had been a steady man, and they had a good deal more than half
paid for the house. But he had been killed in an elevator accident in
Durham’s.
Then there had come the Irish, and there had been lots of them, too;
the husband drank and beat the children—the neighbors could hear them
shrieking any night. They were behind with their rent all the time, but
the company was good to them; there was some politics back of that,
Grandmother Majauszkiene could not say just what, but the Laffertys had
belonged to the “War Whoop League,” which was a sort of political club
of all the thugs and rowdies in the district; and if you belonged to
that, you could never be arrested for anything. Once upon a time old
Lafferty had been caught with a gang that had stolen cows from several
of the poor people of the neighborhood and butchered them in an old
shanty back of the yards and sold them. He had been in jail only three
days for it, and had come out laughing, and had not even lost his place
in the packing house. He had gone all to ruin with the drink, however,
and lost his power; one of his sons, who was a good man, had kept him
and the family up for a year or two, but then he had got sick with
consumption.
That was another thing, Grandmother Majauszkiene interrupted
herself—this house was unlucky. Every family that lived in it, some one
was sure to get consumption. Nobody could tell why that was; there must
be something about the house, or the way it was built—some folks said
it was because the building had been begun in the dark of the moon.
There were dozens of houses that way in Packingtown. Sometimes there
would be a particular room that you could point out—if anybody slept in
that room he was just as good as dead. With this house it had been the
Irish first; and then a Bohemian family had lost a child of it—though,
to be sure, that was uncertain, since it was hard to tell what was the
matter with children who worked in the yards. In those days there had
been no law about the age of children—the packers had worked all but
the babies. At this remark the family looked puzzled, and Grandmother
Majauszkiene again had to make an explanation—that it was against the
law for children to work before they were sixteen. What was the sense
of that? they asked. They had been thinking of letting little
Stanislovas go to work. Well, there was no need to worry, Grandmother
Majauszkiene said—the law made no difference except that it forced
people to lie about the ages of their children. One would like to know
what the lawmakers expected them to do; there were families that had no
possible means of support except the children, and the law provided
them no other way of getting a living. Very often a man could get no
work in Packingtown for months, while a child could go and get a place
easily; there was always some new machine, by which the packers could
get as much work out of a child as they had been able to get out of a
man, and for a third of the pay.
To come back to the house again, it was the woman of the next family
that had died. That was after they had been there nearly four years,
and this woman had had twins regularly every year—and there had been
more than you could count when they moved in. After she died the man
would go to work all day and leave them to shift for themselves—the
neighbors would help them now and then, for they would almost freeze to
death. At the end there were three days that they were alone, before it
was found out that the father was dead. He was a “floorsman” at
Jones’s, and a wounded steer had broken loose and mashed him against a
pillar. Then the children had been taken away, and the company had sold
the house that very same week to a party of emigrants.
So this grim old woman went on with her tale of horrors. How much of it
was exaggeration—who could tell? It was only too plausible. There was
that about consumption, for instance. They knew nothing about
consumption whatever, except that it made people cough; and for two
weeks they had been worrying about a coughing-spell of Antanas. It
seemed to shake him all over, and it never stopped; you could see a red
stain wherever he had spit upon the floor.
And yet all these things were as nothing to what came a little later.
They had begun to question the old lady as to why one family had been
unable to pay, trying to show her by figures that it ought to have been
possible; and Grandmother Majauszkiene had disputed their figures—“You
say twelve dollars a month; but that does not include the interest.”
Then they stared at her. “Interest!” they cried.
“Interest on the money you still owe,” she answered.
“But we don’t have to pay any interest!” they exclaimed, three or four
at once. “We only have to pay twelve dollars each month.”
And for this she laughed at them. “You are like all the rest,” she
said; “they trick you and eat you alive. They never sell the houses
without interest. Get your deed, and see.”
Then, with a horrible sinking of the heart, Teta Elzbieta unlocked her
bureau and brought out the paper that had already caused them so many
agonies. Now they sat round, scarcely breathing, while the old lady,
who could read English, ran over it. “Yes,” she said, finally, “here it
is, of course: ‘With interest thereon monthly, at the rate of seven per
cent per annum.’”
And there followed a dead silence. “What does that mean?” asked Jurgis
finally, almost in a whisper.
“That means,” replied the other, “that you have to pay them seven
dollars next month, as well as the twelve dollars.”
Then again there was not a sound. It was sickening, like a nightmare,
in which suddenly something gives way beneath you, and you feel
yourself sinking, sinking, down into bottomless abysses. As if in a
flash of lightning they saw themselves—victims of a relentless fate,
cornered, trapped, in the grip of destruction. All the fair structure
of their hopes came crashing about their ears.—And all the time the old
woman was going on talking. They wished that she would be still; her
voice sounded like the croaking of some dismal raven. Jurgis sat with
his hands clenched and beads of perspiration on his forehead, and there
was a great lump in Ona’s throat, choking her. Then suddenly Teta
Elzbieta broke the silence with a wail, and Marija began to wring her
hands and sob, “Ai! Ai! Beda man!”
All their outcry did them no good, of course. There sat Grandmother
Majauszkiene, unrelenting, typifying fate. No, of course it was not
fair, but then fairness had nothing to do with it. And of course they
had not known it. They had not been intended to know it. But it was in
the deed, and that was all that was necessary, as they would find when
the time came.
Somehow or other they got rid of their guest, and then they passed a
night of lamentation. The children woke up and found out that something
was wrong, and they wailed and would not be comforted. In the morning,
of course, most of them had to go to work, the packing houses would not
stop for their sorrows; but by seven o’clock Ona and her stepmother
were standing at the door of the office of the agent. Yes, he told
them, when he came, it was quite true that they would have to pay
interest. And then Teta Elzbieta broke forth into protestations and
reproaches, so that the people outside stopped and peered in at the
window. The agent was as bland as ever. He was deeply pained, he said.
He had not told them, simply because he had supposed they would
understand that they had to pay interest upon their debt, as a matter
of course.
So they came away, and Ona went down to the yards, and at noontime saw
Jurgis and told him. Jurgis took it stolidly—he had made up his mind to
it by this time. It was part of fate; they would manage it somehow—he
made his usual answer, “I will work harder.” It would upset their plans
for a time; and it would perhaps be necessary for Ona to get work after
all. Then Ona added that Teta Elzbieta had decided that little
Stanislovas would have to work too. It was not fair to let Jurgis and
her support the family—the family would have to help as it could.
Previously Jurgis had scouted this idea, but now knit his brows and
nodded his head slowly—yes, perhaps it would be best; they would all
have to make some sacrifices now.
So Ona set out that day to hunt for work; and at night Marija came home
saying that she had met a girl named Jasaityte who had a friend that
worked in one of the wrapping rooms in Brown’s, and might get a place
for Ona there; only the forelady was the kind that takes presents—it
was no use for any one to ask her for a place unless at the same time
they slipped a ten-dollar bill into her hand. Jurgis was not in the
least surprised at this now—he merely asked what the wages of the place
would be. So negotiations were opened, and after an interview Ona came
home and reported that the forelady seemed to like her, and had said
that, while she was not sure, she thought she might be able to put her
at work sewing covers on hams, a job at which she would earn as much as
eight or ten dollars a week. That was a bid, so Marija reported, after
consulting her friend; and then there was an anxious conference at
home. The work was done in one of the cellars, and Jurgis did not want
Ona to work in such a place; but then it was easy work, and one could
not have everything. So in the end Ona, with a ten-dollar bill burning
a hole in her palm, had another interview with the forelady.
Meantime Teta Elzbieta had taken Stanislovas to the priest and gotten a
certificate to the effect that he was two years older than he was; and
with it the little boy now sallied forth to make his fortune in the
world. It chanced that Durham had just put in a wonderful new lard
machine, and when the special policeman in front of the time station
saw Stanislovas and his document, he smiled to himself and told him to
go—“Czia! Czia!” pointing. And so Stanislovas went down a long stone
corridor, and up a flight of stairs, which took him into a room lighted
by electricity, with the new machines for filling lard cans at work in
it. The lard was finished on the floor above, and it came in little
jets, like beautiful, wriggling, snow-white snakes of unpleasant odor.
There were several kinds and sizes of jets, and after a certain precise
quantity had come out, each stopped automatically, and the wonderful
machine made a turn, and took the can under another jet, and so on,
until it was filled neatly to the brim, and pressed tightly, and
smoothed off. To attend to all this and fill several hundred cans of
lard per hour, there were necessary two human creatures, one of whom
knew how to place an empty lard can on a certain spot every few
seconds, and the other of whom knew how to take a full lard can off a
certain spot every few seconds and set it upon a tray.
And so, after little Stanislovas had stood gazing timidly about him for
a few minutes, a man approached him, and asked what he wanted, to which
Stanislovas said, “Job.” Then the man said “How old?” and Stanislovas
answered, “Sixtin.” Once or twice every year a state inspector would
come wandering through the packing plants, asking a child here and
there how old he was; and so the packers were very careful to comply
with the law, which cost them as much trouble as was now involved in
the boss’s taking the document from the little boy, and glancing at it,
and then sending it to the office to be filed away. Then he set some
one else at a different job, and showed the lad how to place a lard can
every time the empty arm of the remorseless machine came to him; and so
was decided the place in the universe of little Stanislovas, and his
destiny till the end of his days. Hour after hour, day after day, year
after year, it was fated that he should stand upon a certain square
foot of floor from seven in the morning until noon, and again from
half-past twelve till half-past five, making never a motion and
thinking never a thought, save for the setting of lard cans. In summer
the stench of the warm lard would be nauseating, and in winter the cans
would all but freeze to his naked little fingers in the unheated
cellar. Half the year it would be dark as night when he went in to
work, and dark as night again when he came out, and so he would never
know what the sun looked like on weekdays. And for this, at the end of
the week, he would carry home three dollars to his family, being his
pay at the rate of five cents per hour—just about his proper share of
the total earnings of the million and three-quarters of children who
are now engaged in earning their livings in the United States.
And meantime, because they were young, and hope is not to be stifled
before its time, Jurgis and Ona were again calculating; for they had
discovered that the wages of Stanislovas would a little more than pay
the interest, which left them just about as they had been before! It
would be but fair to them to say that the little boy was delighted with
his work, and at the idea of earning a lot of money; and also that the
two were very much in love with each other.
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Let's Analyse the Pattern
Predatory systems deliberately conceal true costs until victims are too committed to escape.
Why This Matters
Connect literature to life
This chapter teaches how to identify when someone is deliberately withholding crucial financial information until after you're committed.
Practice This Today
This week, notice when any offer seems 'too good'—ask specifically about ALL fees, penalties, and conditions before signing anything.
Now let's explore the literary elements.
Key Quotes & Analysis
"They had been making payments regularly, and according to the deed the house was to cost them seventeen hundred dollars; but now the old woman told them that that did not include the interest."
Context: When Grandmother Majauszkiene reveals the hidden costs in their house contract
This quote exposes how predatory lending works - companies hide the true cost until families are already trapped. The word 'according to the deed' shows how legal documents can be deliberately misleading.
In Today's Words:
They thought they knew what they were paying, but nobody mentioned the interest that would double their costs.
"Four families that she could name had tried to buy that very house, but they had been unable to pay for it, and had gone back poorer than before."
Context: Explaining the house's history to the shocked family
Reveals the systematic nature of the exploitation - this isn't bad luck, it's a business model. The house is designed to be unaffordable so the company can resell it repeatedly.
In Today's Words:
This house has already bankrupted four other families - you're just the latest victims in line.
"So Ona set out that day to hunt for work; and at night Marija came home saying that she had met a girl named Jasaityte who had a friend that worked in one of the wrapping rooms in Brown's."
Context: After discovering they need more income to afford the house payments
Shows how quickly the family must abandon their plans and dreams. Ona, who was protected before, now must enter the dangerous industrial world to survive.
In Today's Words:
Ona had to find a job immediately, and they were grateful for any connection that might help.
Thematic Threads
Exploitation
In This Chapter
The housing company systematically targets poor families with contracts designed to fail, profiting from their desperation and inexperience
Development
Evolved from workplace exploitation to show how the entire economic system preys on immigrants
In Your Life:
You might see this in payday loans, rent-to-own furniture, or any deal that seems too good to be true
Child Labor
In This Chapter
Ten-year-old Stanislovas gets forged papers to work dangerous factory jobs because the family desperately needs his income
Development
Introduced here as the ultimate consequence of economic desperation
In Your Life:
You might see this when financial pressure forces families to sacrifice children's education or safety for immediate income
Information Asymmetry
In This Chapter
The family discovers hidden contract terms only after an elderly neighbor who can read English explains what they actually signed
Development
Builds on earlier language barriers to show how illiteracy becomes a weapon against the poor
In Your Life:
You might experience this any time you're pressured to sign something complex without time to understand it fully
Systemic Deception
In This Chapter
Every institution—housing, employment, even age verification—operates through deliberate lies and false promises
Development
Expanded from individual workplace lies to reveal coordinated system-wide fraud
In Your Life:
You might recognize this in how multiple industries use similar deceptive practices to extract money from working people
Survival Adaptations
In This Chapter
The family responds to crisis by sending more members into dangerous work, including forging documents for a child
Development
Shows how desperation forces people to compromise their values and safety
In Your Life:
You might face similar choices when economic pressure forces you to accept dangerous or unethical work conditions
You now have the context. Time to form your own thoughts.
Discussion Questions
- 1
What did Grandmother Majauszkiene reveal about the Rudkus family's house that they didn't know when they signed the contract?
analysis • surface - 2
Why do you think the company deliberately hid the interest charges from families like the Rudkus? What does this tell us about their business model?
analysis • medium - 3
Where do you see this pattern of hidden costs in today's world? Think about contracts, bills, or agreements you've encountered.
application • medium - 4
If you were advising someone about to sign a major contract today, what specific questions would you tell them to ask to avoid the Rudkus family's trap?
application • deep - 5
The family had to put ten-year-old Stanislovas to work to survive. What does this reveal about how financial traps affect entire families, not just the adults who signed the papers?
reflection • deep
Critical Thinking Exercise
Decode the Fine Print
Think of a recent contract, agreement, or major purchase you made (phone plan, apartment lease, car loan, credit card). Write down what you thought the total cost would be when you first agreed, then list all the additional fees, charges, or costs you discovered later. Compare your experience to the Rudkus family's shock about their house payment.
Consider:
- •Were there any fees or charges that surprised you after you'd already committed?
- •What questions could you have asked upfront to discover the true total cost?
- •How did the seller or company present the deal to make it seem more affordable than it really was?
Journaling Prompt
Write about a time when you discovered hidden costs or terms after making a commitment. How did it feel, and what did you learn about protecting yourself in future agreements?
Coming Up Next...
Chapter 7: The Wedding Debt and Winter's Cruelty
Despite their crushing debt, Jurgis and Ona finally scrape together enough money for a proper Lithuanian wedding celebration. But in Packingtown, even joy comes with a price tag that threatens to destroy them.




