The Magnificent Ambersons by Booth Tarkington

Isabel did more for Fanny than telling her to cheer up. Everything that Fanny inherited from her father, old Aleck Minafer, had been invested in Wilbur's business; and Wilbur's business, after a period of illness corresponding in dates to the illness of Wilbur's body, had died just before Wilbur did. George Amberson and Fanny were both "wiped out to a miracle of precision," as Amberson said. They "owned not a penny and owed not a penny," he continued, explaining his phrase. "It's like the moment just before drowning: you're not under water and you're not out of it. All you know is that you're not dead yet."

He spoke philosophically, having his "prospects" from his father to fall back upon; but Fanny had neither "prospects" nor philosophy. However, a legal survey of Wilbur's estate revealed the fact that his life insurance was left clear of the wreck; and Isabel, with the cheerful consent of her son, promptly turned this salvage over to her sister-in-law. Invested, it would yield something better than nine hundred dollars a year, and thus she was assured of becoming neither a pauper nor a dependent, but proved to be, as Amberson said, adding his efforts to the cheering up of Fanny, "an heiress, after all, in spite of rolling mills and the devil. " She was unable to smile, and he continued his humane gayeties. "See what a wonderfully desirable income nine hundred dollars is, Fanny: a bachelor, to be in your class, must have exactly forty-nine thousand one hundred a year. Then, you see, all you need to do, in order to have fifty thousand a year, is to be a little encouraging when some bachelor in your class begins to show by his haberdashery what he wants you to think about him!"