投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 269
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
The example set by Dr. Duncan was followed in many towns and districts in England and Scotland. In every instance the model of the Ruthwell parish bank was followed; and the self-sustaining principle was adopted. The savings banks thus instituted, were not eleemosynary institutions, nor dependent upon anybody's charity or patronage; but their success rested entirely with the depositors themselves. They encouraged the industrious classes to rely upon their own resources, to exercise forethought and economy in the conduct of life, to cherish self-respect and self-dependence, and to provide for their comfort and maintenance in old age, by the careful use of the products of their industry, instead of having to rely for aid upon the thankless dole of a begrudged poor-rate.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 269 · 核对日期：2026-10-19 · 核验：短摘录
白话
邓肯牧师的榜样被英格兰和苏格兰许多城镇效仿，各地都按鲁斯韦尔教区银行的模式，采用自力更生的原则。这些储蓄银行不是救济机构，也不依赖任何人的慈善或庇护，成败完全取决于储户自己。它们鼓励劳动阶级依靠自身资源，在生活中未雨绸缪、节俭度日，珍惜自尊和自立，用自己劳动成果的谨慎使用来保障晚年的舒适和生活，而不是去依赖那令人难堪、遭人嫌的济贫税施舍。这说明：真正的保障来自自己，而不是施舍。
上下文
斯迈尔斯《节俭》中讲述鲁斯韦尔模式被广泛复制，强调储蓄银行的自助性质。
今日一问
你更愿意靠自己的规划养老，还是指望外部的救济？
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