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Jones sends Partridge to change a fifty-pound note that he received from Lady Bellaston. Jones and Nightingale wait for Mrs. Miller to return for dinner. She arrives two hours late. She says that she has been to visit her cousin, who is giving birth in a cold house with no fire. Mrs. Miller warns her daughters not to marry into such poverty. Tom takes Mrs. Miller aside and, with tears in his eyes, wants to give her the fifty pounds he received from Lady Bellaston. Mrs. Miller compares him to Mr. Allworthy and takes ten guineas from him for the family. At the table, Nightingale offers to give the family a guinea. Nancy turns pale. The narrator remarks that some people regard charity as voluntary, and some regard it as a duty.