投资 · 创业者自述
P.T. 巴纳姆：赚钱的艺术·摘录 16
P.T. 巴纳姆《赚钱的艺术》· The Art of Money Getting · 投资
A good-looking, lazy young fellow, was the apprentice boy, Horatio. His employer said, "Horatio, did you ever see a snail?" "I--think--I--have," he drawled out. "You must have met him then, for I am sure you never overtook one," said the "boss." Your creditor will meet you or overtake you and say, "Now, my young friend, you agreed to pay me; you have not done it, you must give me your note." You give the note on interest and it commences working against you; "it is a dead horse." The creditor goes to bed at night and wakes up in the morning better off than when he retired to bed, because his interest has increased during the night, but you grow poorer while you are sleeping, for the interest is accumulating against you.
出处：
https://www.gutenberg.org/ebooks/8581
定位：Excerpt 16 · 核对日期：2026-10-19 · 核验：短摘录
白话
学徒霍雷肖是个长相不错但懒惰的年轻人。雇主问他：“霍雷肖，你见过蜗牛吗？”他慢吞吞地说：“我——想——我——见过。”老板说：“那你一定是遇到它了，因为我肯定你从没追上过它。”你的债主会遇见或追上你，说：“年轻人，你答应还我钱，却没还，你得给我写张欠条。”你写下带利息的欠条，它就开始对你不利；这就像“一匹死马”。债主晚上睡觉，早上醒来比睡前更富有，因为利息在夜间增长；而你睡觉时却更穷，因为利息在累积。核心是：拖延还款会让债务像蜗牛一样缠住你，利息日夜累积。做法：按时还债，避免欠条和利息滚雪球。
上下文
巴纳姆《赚钱的艺术》中用幽默故事说明债务的危害，背景是19世纪美国商业社会。
今日一问
你是否有拖延还款的习惯？如何设置提醒避免利息累积？
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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