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Introduces all the Rest
There once lived, in a sequestered part of the county of Devonshire,
one Mr Godfrey Nickleby: a worthy gentleman, who, taking it into his
head rather late in life that he must get married, and not being
young enough or rich enough to aspire to the hand of a lady of
fortune, had wedded an old flame out of mere attachment, who in her
turn had taken him for the same reason. Thus two people who cannot
afford to play cards for money, sometimes sit down to a quiet game
Some ill-conditioned persons who sneer at the life-matrimonial, may
perhaps suggest, in this place, that the good couple would be better
likened to two principals in a sparring match, who, when fortune is
low and backers scarce, will chivalrously set to, for the mere
pleasure of the buffeting; and in one respect indeed this comparison
would hold good; for, as the adventurous pair of the Fives' Court
will afterwards send round a hat, and trust to the bounty of the
lookers-on for the means of regaling themselves, so Mr Godfrey
Nickleby and HIS partner, the honeymoon being over, looked out
wistfully into the world, relying in no inconsiderable degree upon
chance for the improvement of their means. Mr Nickleby's income, at
the period of his marriage, fluctuated between sixty and eighty
pounds PER ANNUM.
There are people enough in the world, Heaven knows! and even in
London (where Mr Nickleby dwelt in those days) but few complaints
prevail, of the population being scanty. It is extraordinary how
long a man may look among the crowd without discovering the face of
a friend, but it is no less true. Mr Nickleby looked, and looked,
till his eyes became sore as his heart, but no friend appeared; and
when, growing tired of the search, he turned his eyes homeward, he
saw very little there to relieve his weary vision. A painter who
has gazed too long upon some glaring colour, refreshes his dazzled
sight by looking upon a darker and more sombre tint; but everything
that met Mr Nickleby's gaze wore so black and gloomy a hue, that he
would have been beyond description refreshed by the very reverse of
At length, after five years, when Mrs Nickleby had presented her
husband with a couple of sons, and that embarassed gentleman,
impressed with the necessity of making some provision for his
family, was seriously revolving in his mind a little commercial
speculation of insuring his life next quarter-day, and then falling
from the top of the Monument by accident, there came, one morning,
by the general post, a black-bordered letter to inform him how his
uncle, Mr Ralph Nickleby, was dead, and had left him the bulk of his
little property, amounting in all to five thousand pounds sterling.
As the deceased had taken no further notice of his nephew in his
lifetime, than sending to his eldest boy (who had been christened
after him, on desperate speculation) a silver spoon in a morocco
case, which, as he had not too much to eat with it, seemed a kind of
satire upon his having been born without that useful article of
plate in his mouth, Mr Godfrey Nickleby could, at first, scarcely
believe the tidings thus conveyed to him. On examination, however,
they turned out to be strictly correct. The amiable old gentleman,
it seemed, had intended to leave the whole to the Royal Humane
Society, and had indeed executed a will to that effect; but the
Institution, having been unfortunate enough, a few months before, to
save the life of a poor relation to whom he paid a weekly allowance
of three shillings and sixpence, he had, in a fit of very natural
exasperation, revoked the bequest in a codicil, and left it all to
Mr Godfrey Nickleby; with a special mention of his indignation, not
only against the society for saving the poor relation's life, but
against the poor relation also, for allowing himself to be saved.
With a portion of this property Mr Godfrey Nickleby purchased a
small farm, near Dawlish in Devonshire, whither he retired with his
wife and two children, to live upon the best interest he could get
for the rest of his money, and the little produce he could raise
from his land. The two prospered so well together that, when he
died, some fifteen years after this period, and some five after his
wife, he was enabled to leave, to his eldest son, Ralph, three
thousand pounds in cash, and to his youngest son, Nicholas, one
thousand and the farm, which was as small a landed estate as one
would desire to see.
These two brothers had been brought up together in a school at
Exeter; and, being accustomed to go home once a week, had often
heard, from their mother's lips, long accounts of their father's
sufferings in his days of poverty, and of their deceased uncle's
importance in his days of affluence: which recitals produced a very
different impression on the two: for, while the younger, who was of
a timid and retiring disposition, gleaned from thence nothing but
forewarnings to shun the great world and attach himself to the quiet
routine of a country life, Ralph, the elder, deduced from the often-
repeated tale the two great morals that riches are the only true
source of happiness and power, and that it is lawful and just to
compass their acquisition by all means short of felony. 'And,'
reasoned Ralph with himself, 'if no good came of my uncle's money
when he was alive, a great deal of good came of it after he was
dead, inasmuch as my father has got it now, and is saving it up for
me, which is a highly virtuous purpose; and, going back to the old
gentleman, good DID come of it to him too, for he had the pleasure
of thinking of it all his life long, and of being envied and courted
by all his family besides.' And Ralph always wound up these mental
soliloquies by arriving at the conclusion, that there was nothing
Not confining himself to theory, or permitting his faculties to
rust, even at that early age, in mere abstract speculations, this
promising lad commenced usurer on a limited scale at school; putting
out at good interest a small capital of slate-pencil and marbles,
and gradually extending his operations until they aspired to the
copper coinage of this realm, in which he speculated to considerable
advantage. Nor did he trouble his borrowers with abstract
calculations of figures, or references to ready-reckoners; his
simple rule of interest being all comprised in the one golden
sentence, 'two-pence for every half-penny,' which greatly simplified
the accounts, and which, as a familiar precept, more easily acquired
and retained in the memory than any known rule of arithmetic, cannot
be too strongly recommended to the notice of capitalists, both large
and small, and more especially of money-brokers and bill-
discounters. Indeed, to do these gentlemen justice, many of them
are to this day in the frequent habit of adopting it, with eminent
In like manner, did young Ralph Nickleby avoid all those minute and
intricate calculations of odd days, which nobody who has worked sums
in simple-interest can fail to have found most embarrassing, by
establishing the one general rule that all sums of principal and
interest should be paid on pocket-money day, that is to say, on
Saturday: and that whether a loan were contracted on the Monday, or
on the Friday, the amount of interest should be, in both cases, the
same. Indeed he argued, and with great show of reason, that it
ought to be rather more for one day than for five, inasmuch as the
borrower might in the former case be very fairly presumed to be in
great extremity, otherwise he would not borrow at all with such odds
against him. This fact is interesting, as illustrating the secret
connection and sympathy which always exist between great minds.
Though Master Ralph Nickleby was not at that time aware of it, the
class of gentlemen before alluded to, proceed on just the same
principle in all their transactions.
From what we have said of this young gentleman, and the natural
admiration the reader will immediately conceive of his character, it
may perhaps be inferred that he is to be the hero of the work which
we shall presently begin. To set this point at rest, for once and
for ever, we hasten to undeceive them, and stride to its commencement.
On the death of his father, Ralph Nickleby, who had been some time
before placed in a mercantile house in London, applied himself
passionately to his old pursuit of money-getting, in which he
speedily became so buried and absorbed, that he quite forgot his
brother for many years; and if, at times, a recollection of his old
playfellow broke upon him through the haze in which he lived--for
gold conjures up a mist about a man, more destructive of all his old
senses and lulling to his feelings than the fumes of charcoal--it
brought along with it a companion thought, that if they were
intimate he would want to borrow money of him. So, Mr Ralph Nickleby
shrugged his shoulders, and said things were better as they were.
As for Nicholas, he lived a single man on the patrimonial estate
until he grew tired of living alone, and then he took to wife the
daughter of a neighbouring gentleman with a dower of one thousand
pounds. This good lady bore him two children, a son and a daughter,
and when the son was about nineteen, and the daughter fourteen, as
near as we can guess--impartial records of young ladies' ages
being, before the passing of the new act, nowhere preserved in the
registries of this country--Mr Nickleby looked about him for the
means of repairing his capital, now sadly reduced by this increase
in his family, and the expenses of their education.
'Speculate with it,' said Mrs Nickleby.
'Spec--u--late, my dear?' said Mr Nickleby, as though in doubt.
'Why not?' asked Mrs Nickleby.
'Because, my dear, if we SHOULD lose it,' rejoined Mr Nickleby, who
was a slow and time-taking speaker, 'if we SHOULD lose it, we shall
no longer be able to live, my dear.'
'Fiddle,' said Mrs Nickleby.
'I am not altogether sure of that, my dear,' said Mr Nickleby.
'There's Nicholas,' pursued the lady, 'quite a young man--it's time
he was in the way of doing something for himself; and Kate too, poor
girl, without a penny in the world. Think of your brother! Would
he be what he is, if he hadn't speculated?'
'That's true,' replied Mr Nickleby. 'Very good, my dear. Yes. I
WILL speculate, my dear.'
Speculation is a round game; the players see little or nothing of
their cards at first starting; gains MAY be great--and so may
losses. The run of luck went against Mr Nickleby. A mania
prevailed, a bubble burst, four stock-brokers took villa residences
at Florence, four hundred nobodies were ruined, and among them Mr
'The very house I live in,' sighed the poor gentleman, 'may be taken
from me tomorrow. Not an article of my old furniture, but will be
sold to strangers!'
The last reflection hurt him so much, that he took at once to his
bed; apparently resolved to keep that, at all events.
'Cheer up, sir!' said the apothecary.
'You mustn't let yourself be cast down, sir,' said the nurse.
'Such things happen every day,' remarked the lawyer.
'And it is very sinful to rebel against them,' whispered the
'And what no man with a family ought to do,' added the neighbours.
Mr Nickleby shook his head, and motioning them all out of the room,
embraced his wife and children, and having pressed them by turns to
his languidly beating heart, sunk exhausted on his pillow. They
were concerned to find that his reason went astray after this; for
he babbled, for a long time, about the generosity and goodness of
his brother, and the merry old times when they were at school
together. This fit of wandering past, he solemnly commended them to
One who never deserted the widow or her fatherless children, and,
smiling gently on them, turned upon his face, and observed, that he
thought he could fall asleep.