投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 115
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
Another illustration occurs. A clerk at Blackburn took a house for twenty pounds a year, and sublet the cellars underneath to a factory operative at a rental of five pounds a year. The clerk had a wife, four children, and a servant; the operative had a wife and five children. The clerk and his family were well dressed, their children went to school, and all went to church on Sundays. The operative's family went, some to the factory, others to the gutter, but none to school; they were ill-dressed, excepting on Sundays, when they obtained their clothes from the pawnshop. As the Saturdays came round, the frying-pan in the cellar was almost constantly at work until Monday night; and as regularly as Thursday arrived, the bundle of clothes was sent to the pawnshop. Yet the income of the upper-class family in the higher part of the house was a hundred a year; and the income of the lower class family in the cellar was fifty pounds more--that is, a hundred and fifty pounds a year!
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 115 · 核对日期：2026-10-19 · 核验：短摘录
白话
作者举了一个例子： Blackburn有个职员年收入100英镑，租了年租金20英镑的房子，把地下室转租给一个工厂工人，年租金5英镑。职员家有妻子、四个孩子和一个仆人，衣着体面，孩子上学，周日去教堂。工人家有妻子和五个孩子，有的进工厂，有的在街头游荡，没人上学，平时穿得破破烂烂，周日靠当铺的衣服撑场面。每到周六，地下室煎锅几乎不停火，到周四衣服又进了当铺。可工人家的收入是150英镑，比楼上的职员家还多50英镑。核心是：收入高不等于过得好，关键在会不会安排。钱怎么花，比赚多少更能决定一家人的处境。
上下文
塞缪尔·斯迈尔斯《节俭》一书中的案例，19世纪英国工人阶层收入提高但消费无度的社会观察。
今日一问
你身边有没有收入不低却总缺钱的人？他们的钱主要花在了哪里？
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