In the course of time, the family was increased by two sons, but he continued the flower of the flock.

At length it was intended by his father to retire, in part, from business, and leave its management to this young man, and another who had been many years in his service, and whose successful endeavours in promoting his interest were well deserving his consideration; and the writings for this purpose were actually drawn up.

Previous however to their execution, he was dispatched to Edinburgh, to superintend an extensive concern of his father's in that city, where, meeting with an amiable young lady with some expectations, he married without the consent of his parent, a circumstance which drew down upon him the good man's displeasure.
"Not at all dismayed at this, he almost immediately left his father's shop, and set up business for himself in the same neighbourhood, where he continued for two or three years, living, as it was supposed, upon the produce of his matrimonial connexion.

At length, however, it was discovered that he was insolvent, and bankruptcy became the consequence.
Here he remained till affairs were arranged, and then returned to London with his wife and two children.
"In the mean time, the legitimate family of his father had become useful in the business, and acquainted with his former indiscretions, which, consequently, were not likely to be obliterated from the old gentleman's recollection.

Without money and without prospect, he arrived in London, where, for some unliquidated debt, he was arrested and became a resident in the King's Bench, from which he was liberated by the Insolvent Debtor's Act.