Robert Gillian is a careless, idle young man whose wealthy uncle previously financed his extravagant lifestyle. Accustomed to having whatever he wants without effort, he views his newly inherited sum of $1,000 as an awkward nuisance rather than a meaningful gift. He spends his days interacting with actors and private club members, showing little interest in hard work or financial responsibility.

Tolman is a serious, stern attorney tasked with executing the estate of the late Septimus Gillian. He views Robert Gillian as thoughtless, openly doubting the young man's ability to understand complex legal terminology. He represents a grounded, strict perspective in contrast to his client's carefree attitude.

Miss Hayden is the daughter of a deceased friend of Septimus Gillian and lived with him as his ward. She is a quiet, musical, and gracious young woman who is entirely dependent on others for her financial survival. Despite not being a blood relative, she genuinely mourns her former guardian.

Miss Lauriere is a stage actress dating Robert Gillian. She holds him in low regard, treating him dismissively and prioritizing expensive jewelry over personal connection. When presented with the idea of a $1,000 necklace, she quickly points out that a much more expensive piece is what she truly desires.

Old Bryson is a solitary member of a private social club who serves as an irritated sounding board for Robert Gillian. He finds the younger man's entitled behavior exasperating and uses heavy sarcasm when responding to his questions. He frequently acts as a moral compass, pointing out how money might be used for practical or charitable purposes.

Septimus Gillian was a wealthy, peculiar man who funded his nephew's lavish lifestyle. Upon his death, he leaves the bulk of his estate to scientific research and a hospital. He sets up highly specific, seemingly odd sums for those in his inner circle, holding a rather low opinion of his nephew's personal habits.

The cab driver transports Robert Gillian around New York City. When asked what he would do with a thousand dollars, he explains he would open a saloon. He represents the working-class desire to invest money into a reliable, independent future.

The blind man is a street vendor selling pencils. Though appearing impoverished, he possesses a ledger book showing he has diligently saved just over a thousand dollars, illustrating the value of a lifetime of hard work to the average citizen.