It's not what you have but what you do with it that counts." This is the story of how that philosophy worked out in the life of penny buford, an ordinary housewife who leaves an extraordinary legacy. Yandell's small chan...It's not what you have but what you do with it that counts." This is the story of how that philosophy worked out in the life of penny buford, an ordinary housewife who leaves an extraordinary legacy. Yandell's small change is about a devoted housewife, penny burford, who scoops up her Husband Roy's loose change and eventually puts together a substantial bank account.