投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 350
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
"Yes! there's this in it,--that it has made you ask me the question, how I manage to keep my family so comfortably, and put money in the Penny Bank, while you, with the same wages, can barely make the ends meet. Money is independence, and money is made by putting pennies together. Besides, I work so hard for mine,--and so do you,--that I can't find it in my heart to waste a penny on drink, when I can put it beside a few other hard-earned pennies in the bank. It's something for a sore foot or a rainy day. There's that in it, Jack; and there's comfort also in the thought that, whatever may happen to me, I needn't beg nor go to the workhouse. The saving of the penny makes me feel a free man. The man always in debt, or without a penny beforehand, is little better than a slave."
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 350 · 核对日期：2026-10-19 · 核验：短摘录
白话
存钱的意义不只是攒数字，而是买独立。每天省下一便士，聚少成多，急用时不用求人，生病或下雨天有垫底，不必去救济院。辛苦挣来的钱，花在酒上最不值；把它和别的血汗钱一起存进银行，心里就踏实。反过来，总欠债、手头没一点余钱的人，处处受制于人，跟奴隶差不多。做法很实在：发薪先扣一小笔存起来，把喝酒等可省的开销换成存款，给自己设一个应急小目标。
上下文
同书对话的延续，工人兰塞姆向同伴杰克解释自己为何能存下钱，反映当时工人对贫困与救济院的恐惧。
今日一问
如果明天突然要用一笔急钱，你手头有没有不动声色的储备？
公版作品；原文逐字取自 Project Gutenberg，仅摘录段落并附全书链接。
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