投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 341
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
A man may work hard, and earn high wages; but if he allows the pennies, which are the result of hard work, to slip out of his fingers--some going to the beershop, some this way, and some that,--he will find that his life of hard work is little raised above a life of animal drudgery. On the other hand, if he take care of the pennies--putting some weekly into a benefit society or an insurance fund, others into a savings bank, and confides the rest to his wife to be carefully laid out, with a view to the comfortable maintenance and culture of his family,--he will soon find that his attention to small matters will abundantly repay him, in increasing means, in comfort at home, and in a mind comparatively free from fears as to the future.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 341 · 核对日期：2026-10-19 · 核验：短摘录
白话
一个人可能拼命干活、工资不低，但如果让辛苦挣来的小钱从指缝里溜走——一些进了酒馆，一些花在这花在那——那他的辛苦生活跟牲口干活差不多。反过来，如果管好这些小钱：每周存一点进互助会或保险，一些进储蓄银行，剩下的交给妻子仔细安排，让全家吃穿不愁、孩子受教育，他很快会发现，关注小钱会加倍回报他：收入增加、家庭舒适、心里对将来也不那么害怕。
上下文
19世纪英国工人收入不稳，斯迈尔斯在《节俭》中提倡通过储蓄和保险来抵御风险。
今日一问
你每个月的“小钱”都流向了哪里？能不能先设一个自动储蓄，哪怕每周只存一点？
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