My dear Father,

Sara and I were extremely surprised by your most pleasant circular.²

It is most kind of you and Mother to think of and agree upon this way of increasing all our incomes. Just a hundred or two beyond one’s natural income makes all the difference about feeling rich, and makes the margin for saving very considerable.

I am sure we must all feel that no Father or Mother can have been more thoughtful for ones good or more kind in every conceivable way, and it is a comfort to think that none of us have shewn many symptoms of gambling tendencies in our blood.

I am sure practise in saving must be a wholesome thing, and I entirely agree as to what you say about moderate interest and judging by common sense, and I feel it more strongly every year.

I shall certainly save it myself as these last Banking troubles show the necessity for Bankers to have larger private reserves in available securities.³

I send on the letter to George.⁴

Sara sends her love to you & Mother and thanks you both. We both wonder how you can resist the fun of seeing your savings continue to grow.

I am, dear Father | your affectionate son | W. E. Darwin