Tom Walker is stingy, greedy, and lazy. His character shows depression and defiance with his wife. Throughout the story he mostly has the same harsh attributes.
Tom was mostly a depressed man that was poor and made his sad life define him. "He was not prone to let his wife into his confidence," (Irving, 262). Tom waited in vain when his wife left but he realized she left with everything valuable and was not coming back.
Tom says, "I must take care of myself in these hard times." Tom is selfish for saying this. His actions show his self centered personality. "The poor land jobber begged him to grant a few months indulgence. Tom had grown testy and irritated and refused another day." He had no sympathy for this man.