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塞缪尔·斯迈尔斯:节俭·摘录 78

塞缪尔·斯迈尔斯《节俭》· Thrift · 投资

In making the preceding observations we do not in the least advocate the formation of miserly, penurious habits; for we hate the scrub, the screw, the miser. All that we contend for is, that man should provide for the future,--that they should provide during good times for the bad times which almost invariably follow them,--that they should lay by a store of savings as a breakwater against want, and make sure of a little fund which may maintain them in old age, secure their self-respect, and add to their personal comfort and social well-being. Thrift is not in any way connected with avarice, usury, greed, or selfishness. It is, in fact, the very reverse of these disgusting dispositions.

出处: https://www.gutenberg.org/ebooks/14418
定位:Excerpt 78 · 核对日期:2026-10-19 · 核验:短摘录

白话

核心是:节俭不是吝啬,而是为未来做准备,在好年景存钱防坏年景。斯迈尔斯先澄清:他讨厌守财奴、吝啬鬼,不主张抠门。他主张的是:人应为未来打算,趁好时存下坏时所需,积攒一笔防困的储蓄,保障老年生活、维持自尊、增加个人舒适和社会福祉。节俭与贪婪、高利贷、自私毫无关系,恰恰相反。做法是:把储蓄看作抵御风险和保持尊严的工具,而不是目的本身;该花的花,该存的存。

上下文

斯迈尔斯在《节俭》结尾区分节俭与吝啬,回应可能被误解为鼓吹守财的批评。19世纪英国社会对储蓄伦理有广泛讨论。

今日一问

你能否区分“为未来储蓄”和“过度吝啬”?你的储蓄目标是为了什么?

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