The 18th-century woman who made saving possible for the poor

十八世纪那位让穷人得以储蓄的女性

Behind the Money

2026-05-27

46 分钟
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Priscilla Wakefield was a Quaker, writer and social reformer who believed financial security shouldn’t be reserved for the wealthy. Living in late 18th- and early 19th-century England, she founded the country’s first penny savings bank, giving working women and children a safe place to save. Victoria Bateman, author of Economica: A Global History of Women, Wealth and Power, tells hosts Gillian Tett and Robin Wigglesworth about Wakefield’s life, her ideas and how a simple concept — saving small sums — helped spark a quiet revolution in financial inclusion, with lessons for today. But that didn’t stop Wakefield from running into financial problems of her own.  Further reading: Economica: A global history of women, wealth and power, by Victoria Bateman (2025) Reflections on the present condition of the female sex, by Priscilla Wakefield, (reprinted 2015, Cambridge University Press) Credits: Cambridge Library Collection, National Portrait Gallery, Disruption Worthies, National Park Service, Hollinger & Rockey To enjoy future episodes, be sure to subscribe to The Story of Money wherever you get your podcasts, also on the show's dedicated YouTube channel here:  / @ftthestoryofmoney   Hosts: Gillian Tett and Robin Wigglesworth Producers: Lulu Smyth and Laurence Knight Executive Producers: Flo Phillips and Manuela Saragosa Original music: Breen Turner Broadcast engineers: Bianca Wakeman and Petros Giuompasis Podcast Development: Laura Clarke Video editor: Kristen Kenyon and Josh Divney at Podcast Discovery Learn more at www.ft.com/tsom or get in touch at thestoryofmoney@ft.com Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
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  • It's probably one of the greatest myths of economic history that women have spent most of history as housewives.

  • The average woman had no choice but to work, but you were locked out of the banking system.

  • So you really had nowhere to put your hard-earned savings.

  • And with it, no ability, of course, to earn interest on those savings, which, you know, was a great shame.

  • So Priscilla took people's deposits, she invested them in bonds, percent interest.

  • Today on the Story of Money, we are going to go back to the year 1798 in London.

  • The early decades of the British Industrial Revolution.

  • There are power looms and canals and factories powered by steam engines.

  • The city's population is exploding.

  • And it's a time of energy and opportunity.

  • Absolutely.

  • And in fact, in many ways, it's a lot like the emerging markets today.

  • And the story we're going to tell is very salutary in that respect.

  • But the key point to note, or to start with, is that although there were extraordinary opportunities

  • for men at the time, women had far fewer opportunities, particularly married women.

  • Yeah, and this was a time when thousands of people were migrating from the countryside to the new industrial towns,

  • and they were being paid relatively decent wages in cash for the first time pretty much in history,

  • but had nowhere really to put the money that they didn't spend right away.

  • Again, there's a lot of parallels with what's happening in the emerging markets now.

  • So just for a moment, though, imagine you're a hardworking woman in the late 1700s.