When things go wrong; as they sometimes will,
When the road you're trudging seems all uphill,
When the funds are low and the debts are high,
And you want to smile, but you have to sigh,
...
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I think it's nicely written and has some kind of moral in it. I wish I could speak English as well as you do, maybe my poems would be better if I did.. Though I also love to write in Dutch and French :)
It is a great poem and so fitting I love to read it and use it in my sermons