The specter of Jacob Marley entered Scrooge’s room. It had been seven years to the day since Marley died.
Before he sees them, Scrooge hears the clanking of the heavy chains his old business partner now carries with him.
Scrooge asks how it is that Marley became thus fettered.
“I wear the chain I forge in life,” replied the Ghost. “I made it link by link, and yard by yard; I girded it on of my own free-will, and of my own free-will I wore it.”
Marley did not realize in life that he was a slave. He assumed that his wealth and the absence of external restraints meant he was free, when in fact his miserly and selfish ways were forging the means of his own bondage.