Although Jurgis is working harder than ever, the process of "speeding up," the hiring of more workers, and a reduction in wages earn him a net loss income. At this time Jurgis learns that all the packers, a term used to refer to the owners and management, conspire together in something known as the Beef Trust.
Marija cares little for this and worries only about herself. She opens a savings account, but is extremely leery of the entire banking system. Panic and an ensuing bank run causes her to miss two days of work to withdraw her money. The run ends up having nothing to do with the bank.
Before they know it, winter has returned again, and the family feels utterly unprepared. Jurgis takes control of the situation as best he can, escorting Ona and carrying Stanislovas to work. Unfortunately, Jurgis sprains his ankle and misses three weeks of work. During this time Ona, unbeknownst to Jurgis, must borrow from their meager savings in order to survive. The only solace Jurgis finds during this difficult time is spending time with his son.
