'Very. Pray go on.'
'Well, you mustn't suppose that it was a mere bit of crazy bravado. I knew how I was going to get the money—the forty guineas. And as soon as I could command myself, I went to do the business.
'A fellow-clerk in the drug warehouse had been badly in want of money not long before that, and I knew he had borrowed twenty pounds from a loan office, paying it back week by week, with heavy interest, out of his screw, poor devil. I could do the same. I went straight off to the lender. It was a fellow called Crowther; he lived in Dean Street, Soho; in a window on the ground floor there was a card with "Sums from One pound to a Hundred lent at short notice." I was lucky enough to find him at home; we did our business in a little back room, where there was a desk and a couple of chairs, and nothing else but dirt. I expected to find an oldish man, but he seemed about my own age, and on the whole I didn't dislike the look of him,—a rather handsome young fellow, fairly well dressed, with a taking sort of smile. I began by telling him where I was employed, and mentioned my fellow-clerk, whom he knew. That made him quite cheerful; he offered me a drink, and we got on very well. But he thought forty guineas a big sum; would I tell him what I wanted it for? No, I wouldn't do that. Well, how long would it take me to pay it back? Could I pay a pound a week? No, I couldn't. He began to shake his head and to look at me thoughtfully. Then he asked no end of questions, to find out who I was and what people I had belonging to me, and what my chances were. Then he made me have another drink, and at last I was persuaded into telling him the whole story. First of all he stared, and then he laughed; I never saw a man laugh more heartily. At last he said, "Why didn't you tell me you had value in hand? See here, I'll look at that picture on Monday morning, and I shouldn't wonder if we can do business." This alarmed me,—I was afraid he might get talking to the picture-dealer. But he promised not to say a word about me.
'On Sunday I sent a note to the warehouse, saying that I should not be able to come to business till Monday afternoon. It was the first time I had ever done such a thing, and I knew I could invent some story to excuse myself. Most of that day I spent in bed; I didn't feel myself, yet it was still a great satisfaction to me that I had got the better of that brute. On Monday at twelve I kept the appointment in Dean Street. Crowther hadn't come in, and I sat for a few minutes quaking. When he turned up, he was quite cheerful. "Look here!" he said, "will you sell me that picture for thirty pounds?" "What then?" I asked. "Why, then you can pay me another thirty pounds, and I'll give you twelve months to do it in. You shall have your forty guineas at once." I tried to reflect, but I was too agitated. However, I saw that to pay thirty pounds in a year meant that I must live on about eight shillings a week. "I don't know how I'm to do it," I said. He looked at me. "Well, I won't be hard on you. Look here, you shall pay me six bob a week till the thirty quid's made up. Now, you can do that?" Yes I could do that, and I agreed. In another ten minutes our business was settled,—my signature was so shaky that I might safely have disowned it afterwards. Then we had a drink at a neighbouring pub, and we walked together towards Coventry Street. Crowther was to wait for me near the picture-dealer's.
'I entered with a bold step, promising myself pleasure in a new triumph over the brute. But he wasn't there. I saw only an under-strapper. I had no time to lose, for I must be at business by two o'clock. I paid the money—notes and gold—and took away the picture under my arm. Of course, it had been removed from the frame in which I first saw it, and the assistant wrapped it up for me in brown paper. At the street corner I surrendered it to Crowther. "Come and see me after business to-morrow," he said, "I should like to have a bit more talk with you."
'So I had come out of it gloriously. I cared nothing about losing the picture, and I didn't grieve over the six shillings a week that I should have to pay for the next two years. If I went into that gallery again, I should be treated respectfully—that was sufficient.'
He laughed, and for a minute or two we sat silent. From the inn sounded rustic voices; the village worthies were gathered for their evening conversation.
'That's the best part of my story,' said Ireton at length. 'What followed is commonplace. Still, you might like to hear how I bridged the gulf, from fourteen shillings a week to the position I now hold. Well, I got very intimate with Crowther, and found him really a very decent fellow. He had a good many irons in the fire. Besides his loan office, which paid much better than you would imagine, he had a turf commission agency, which brought him in a good deal of money, and shortly after I met him he became part proprietor of a club in Soho. He very soon talked to me in the frankest way of all his doings; I think he was glad to be on friendly terms with me simply because I was better educated and could behave decently. I don't think he ever did anything illegal, and he had plenty of good feeling,—but that didn't prevent him from squeezing eighty per cent, or so out of many a poor devil who had borrowed to save himself or his family from starvation. That was all business; he drew the sharpest distinctions between business and private relations, and was very ignorant. I never knew a man so superstitious. Every day he consulted signs and omens. For instance, to decide whether the day was to be lucky for him—in betting and so on—he would stand at a street corner and count the number of white horses that passed in five minutes; if he had made up his mind on an even number, and an even number passed, then he felt safe in following his impulses for the day; if the number were odd, he would do little or no speculation. When he was going to play cards for money, he would find a beggar and give him something, even if he had to walk a great distance to do it. He often used to visit an Italian who kept fortune-telling canaries, and he always followed the advice he got. It put him out desperately if he saw the new moon through glass, or over his left shoulder. There was no end to his superstitions, and, whether by reason of them or in spite of them, he certainly prospered. When he died, ten or twelve years ago, he left fifteen thousand pounds.
'I have to thank him for my own good luck. "Look here," he said to me, "it's only duffers that go on quill-driving at a quid a week. A fellow like you ought to be doing better." "Show me the way," I said. And I was ready to do whatever he told me. I had a furious hunger for money; the adventure in Coventry Street had thoroughly unsettled me, and I would have turned burglar rather than go on much longer as a wretched slave, looked down upon by everybody, and exposed to insult at every corner. I dreamed of money-making, and woke up feverish with determination. At last Crowther gave me a few jobs to do for him in my off-time. They weren't very nice jobs, and I shouldn't like to explain them to you; but they brought me in half a sovereign now and then. I began to get an insight into the baser modes of filling one's pocket. Then something happened; my mother died, and I became the owner of a house at Notting Hill of fifty pounds rental. I talked over my situation with Crowther, and he advised me, as it turned out, thoroughly well. I was to raise money on this house,—not to sell it,—and take shares in a new music-hall which Crowther was connected with. There's no reason why I shouldn't tell you; it was the Marlborough. I did take shares, and at the end of the second twelve months I was drawing a dividend of sixty per cent. I have never drawn less than thirty, and the year before last we touched seventy-five. At present I am a shareholder in three other halls,—and they don't do badly.
'I suppose it isn't only good luck; no doubt I have a sort of talent for money-making, but I never knew it before I met Crowther. By just opening my eyes to the fact that money could be earned in other ways than at the regular kinds of employment, he gave me a start, and I went ahead. There isn't a man in the world has suffered more than I have for want of money, and no one ever worked with a fiercer resolve to get out of the hell of contemptible poverty. It would fill a book, the history of my money-making. The first big sum I ever was possessed of came to me at the age of two-and-thirty, when I sold a proprietary club (the one Crowther had a share in and which I had ultimately got into my own hands) for nine thousand pounds; but I owed about half of this. I went on and on, and I got into society; that came through the Marlborough,—a good story, but I mustn't tell it. At last I married—a rich woman.'