事业 · 创业者自述
P.T. 巴纳姆：奋斗与胜利·补录 51
P.T. 巴纳姆《奋斗与胜利》· Struggles and Triumphs · 领导
Meanwhile, I had taken Horace Fairchild into partnership in my mercantile business, in 1831, and I had sold out to him and to a Mr. Toucey, in 1833, they forming a partnership under the firm of Fairchild & Co. So far as I was concerned my store was not a success. Ordinary trade was too slow for me. I bought largely and in order to sell I was compelled to give extensive credits. Hence I had an accumulation of bad debts; and my old ledger presents a long series of accounts balanced by “death,” by “running away,” by “failing,” and by other similarly remunerative returns. I had expended money as freely as I had gained it, for I had already learned that I could make money rapidly and in large sums, when I set about it with a will, and hence I did not realize the worth of what I seemed to gain so readily. I looked forward to a future of saving when I should see the need of accumulation.
出处：
https://www.gutenberg.org/ebooks/50115
定位：Additional excerpt 51 · 核对日期：2026-10-19 · 核验：短摘录
白话
巴纳姆在1831年拉人合伙做买卖，1833年把股份卖给对方，自己退出。他承认零售生意对他太慢：为了多卖货，他大量赊账，结果坏账一堆，账本上许多欠款最后以“死亡”“逃跑”“破产”等荒唐方式勾销。他花钱和赚钱一样快，因为已经发现自己只要下决心就能迅速赚大钱，所以不把眼前所得当回事，总想着将来再储蓄。核心教训是：能赚钱不等于会守钱，赊账扩张若没有回款纪律，赚来的只是账面数字。做法上，应设信用额度、定期对账、把利润先留一部分再花。
上下文
巴纳姆是美国19世纪著名演艺经纪人和马戏团老板，他在自传中回顾早年经商失败的经历。
今日一问
你现在的生意或收入里，有多少是“账面赚了、实际收不回”的钱？
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