What kind of life does Dick Hunter have before he meets the Whitneys? Why?

In what way does Dick's meeting with the Whitneys change his life? What advice do they offer?

In what ways did Dick change his life? How did Dick and Henry Fosdick help one another?

Dick and Henry live frugally but insist on having comfortable accommodations. What is their philosophy on this? Why is this in keeping with their goals?

Who is Mark the Match Boy? What is his story?

What do people like Dick and Henry represent in the book? What do people like Roswell and Ralph represent?

What is the moral or message of author Horatio Alger to young boys? Do you think it is relevant today?