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塞缪尔·斯迈尔斯：自助论·摘录 17
塞缪尔·斯迈尔斯《自助论》· Self-Help · 领导
MONEY—ITS USE AND ABUSE. The right use of money a test of wisdom—The virtue of 290–313 self-denial—Self-imposed taxes—Economy necessary to independence—Helplessness of the improvident—Frugality an important public question—Counsels of Richard Cobden and John Bright—The bondage of the improvident—Independence attainable by working men—Francis Horner’s advice from his father—Robert Burns—Living within the means—Bacon’s maxim—Wasters—Running into debt—Haydon’s debts—Fichte—Dr. Johnson on debt—John Locke—The Duke of Wellington on debt—Washington—Earl St. Vincent: his protested bill—Joseph Hume on living too high—Ambition after gentility—Napier’s order to his officers in India—Resistance to temptation—Hugh Miller’s case—High standard of life necessary—Proverbs on money-making and thrift—Thomas Wright and the reclamation of criminals—Mere money-making—John Foster—Riches no proof of worth—All honest industry honourable—The power of money over-estimated—Joseph Brotherton—True Respectability—Lord Collingwood CHAPTER XI.
出处：
https://www.gutenberg.org/ebooks/935
定位：Excerpt 17 · 核对日期：2026-10-19 · 核验：短摘录
白话
核心是：钱本身无所谓好坏，怎么用才见智慧。斯迈尔斯主张量入为出，把节俭看成独立的基础：不欠债，才有说“不”的自由；有点积蓄，遇事才不慌。他反对为了面子摆阔、为攀比而负债，也提醒别把赚钱当成人生全部。做法是：先算清每月必需开销，留出应急钱；想买非必需品时先等一等；把省下的钱用在提升自己和家人上。真正的体面来自自立和守信，不是花得多。
上下文
《自助》第十一章，维多利亚时代英国，作者针对消费攀比和负债风气谈金钱观。
今日一问
你最近一笔“为面子”的花销是什么？如果省下来，可以用在什么地方？
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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