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 & 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 & no bike."