the final spirit, the ghost of christmas yet to come, appears
scrooge is terrified of this spirit although it doesn't speak a word to him, and he tells the spirit that he's ready to learn its lesson and wants to change his ways
the spirit shows scrooge a group of men talking about an unnamed rich man who has recently died
they wonder if anyone will go to the funeral and joke that they will only go if there's free lunch
scrooge can't figure out who the men are talking about
next, scrooge sees a dingy shop belonging to a fence, where a group of servants sell items they have stolen from the dead rich man's house
scrooge also sees the dinner table of a poor couple who are grateful that he's died as it gives them more time to repay their debt
scrooge begs to be shown some tenderness connected to death and the spirit shows scrooge the cratchit household, where he sees that tiny tim has died
the cratchits are full of grief for tiny tim's death but express how happy they were to have been able to share his life
scrooge asks to know who the dead rich man was and the spirit takes him to a graveyard and points to a gravestone
scrooge approaches the gravestone and is horrified to read his own name on it
scrooge begs the spirit for a chance to change his ways and avoid the future he has been shown, promising to remember the lessons he has learned from all three spirits
as he grabs the spirit's hand, it vanishes and he wakes up back in his own bed