Emma Sophia Galton (1811–1904) was the author of an 1863 book entitled a Guide to the Unprotected in Every-Day Matters Relating to Property and Income, which was published anonymously by Macmillan and credited to "A Banker's Daughter".
In writing her financial guide, Galton noted that: "Many young people, and especially widows and single ladies, when they first possess money of their own, are in want of advice when they have commonplace business matters to transact.
Later versions included a page on the 'great change' of the 1882 Married Women's Property Act, which meant that a wife's money no longer belonged to her husband, and some additional material reflecting the greater variety of securities available in the late 19th century.
[4] Galton's doubts concerning her brother Francis' theory of eugenics, a term he created, prompted him to write to her in defence of it telling her, "It is one of the few services that a man situated like myself can do, to take up an unpopular side when he knows it to be the true one".
[6] The Victorian Women Writer's Project, hosted by Indiana University, has made a full transcription of the second edition of Galton's book (1864) available.