The first is, that I have observed that young men who have what is called a competence, say L500 or L600 a year, very often are content to try and live on it, and to do nothing for themselves, so that in the end it becomes, not a blessing, but a curse.

The second is, that to do so I should be obliged to take away from certain charities and institutions which I wish to benefit.

That is all I have to say about money.

Oh! no, there is one more thing.

I have also left you the talisman you gave me, and with it this house and grounds.