投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 484
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
Although the French workman has nothing like the same facilities for saving as the English, the _Journal des Débats_ alleges that he saves ten times as much as his rival. There are only about a thousand savings banks and branches established in France, and yet two millions of persons belonging to the lower ranks last year had invested in them about twenty-eight millions sterling. But the Frenchman of the city prefers investing in Government Rentes; and the Frenchman of the country prefers investing in land. All, however, are thrifty, saving, and frugal; because they are educated in economy from their earliest years.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 484 · 核对日期：2026-10-19 · 核验：短摘录
白话
作者说，法国工人存钱的条件远不如英国工人，可《辩论报》称他们存下的钱是英国同行的十倍。当时法国只有约一千家储蓄所和分支机构，去年却有约两百万下层百姓在里面存了约两千八百万英镑。不过法国人各有各的存法：城里的愿意买政府公债，乡下的愿意买地。不管哪种，他们都节俭、能存、不乱花，因为从小就被教着过日子要精打细算。作者想说的是：储蓄习惯不靠条件好坏，靠的是从小养成的观念。
上下文
斯迈尔斯《节俭》，引用法国《辩论报》数据，说明法国工人虽储蓄网点少，储蓄率却很高。
今日一问
你从小被教过怎样管钱吗？现在想补上哪一课？
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