The document discusses the economic depression of the 1920s and 1930s. It describes Herbert Hoover's election in 1928 and the belief in rugged individualism to solve economic problems through self-reliance. It then shows electric signs from 1920 and 2001 demonstrating the increasing amounts of money people were expected to have saved at different ages. The remainder of the document defines stock, dividends, and speculative investing practices like buying on margin that contributed to the stock market crash of 1929 known as Black Tuesday.