1. 三名男子把自己和家人，都推入万劫不复的深渊。

1. Three men pushed themselves and their families into an abyss from which there is no return.

2. 这事在村子里人尽皆知，杨涛知道后，怒不可遏，要求三名男子道歉并赔偿。三名男子态度敷衍，想不了了之。

2. This matter was widely known in the village. Upon learning about it, Yang Tao was so enraged that he demanded an apology and compensation from the three men. The three men were indifferent and wanted to let the matter drop.

3. 2009年，很多人在我们省城郊区修建黑房子，我也按捺不住蠢蠢欲动的心情。花了552000元买了一块1150平米的荒地，修剪一栋两层半共计1370平米的黑房子。

3. In 2009, many people were building black houses in the suburbs of our provincial capital city, and I couldn't contain my urge to follow suit. I spent 552,000 yuan to purchase a 1,150-square-meter piece of wasteland and trimmed a two-and-a-half-story black house with a total area of 1,370 square meters.

4. 可是我还要赚钱还200多万的债务，还有小的两个孩子在读小学，还要赚钱给家人买一套遮风避雨的房子。在尽孝和工作之间，我陷入了两难。不得已选择出外省赚钱，是我心中最大的痛和牵挂。

4. But I still need to make money to pay off a debt of over two million yuan, and I have two young children in elementary school, for whom I need to earn money to buy a house that can shelter us from the elements. Struggling between filial piety and work, I am caught in a dilemma. Having to choose to earn money in another province is the greatest pain and concern in my heart.

5. 失去了收入，我和爱人的9家信用卡连最低还款都没办法还。三笔银行贷款和十几笔小额贷款无法按月分期付款。债务集中爆发，催收公司轮番登场，最高的时候我们每天能够接到300多个催收电话。

5. Having lost our income, we couldn't even make the minimum payments on the 9 credit cards of me and my partner. Three bank loans and a dozen of small loans couldn't be paid off in monthly installments. The debts burst out all at once, and debt collection companies took turns appearing. At the peak, we could receive over 300 collection calls a day.

6. 当时的资金并非全部都是自己的，有朋友借的，承诺给予分红，有供货商材料欠款，也有各种银行贷款，网络贷款。垫资跑路，真是坏事传千里，第二天我就被堵在家里。这么说吧，我所经历的，现在的催收都是小儿科。把老头老太太抬我家里住着不走的，哭天喊地的，拿着 威胁的，这些都经历过。

6. The money at that time was not all our own; some was borrowed from friends, with promises of dividends, there were also supplier material debts, and various bank loans and online loans. Running away with the advance capital, it really spreads bad news far and wide; the next day, I was blocked in my home. To put it this way, the collection experiences I've had now are child's play. I've experienced things like carrying old men and women to my home and not letting them go, crying to the heavens, and holding threats.

7. 我38，炒股10年越陷越深，亏了多少自己都没有统计，不停地找钱补仓，以贷养贷，几年下来，去年12月份终于倒不过来了，共计120万的欠款，信用卡、网贷、私人债，跟家人坦白，也没有什么钱可以帮还，银行、网贷各种催收电话不断，坚持了大半年 好累，无数次想终结自己，看着两个娃，6岁多和4岁多，终究没死成，现在家人的不理解，冷漠，基本上是要压倒我的最后一根稻草，好害怕自己顶不住了………………

7. I am 38 years old and have been investing in stocks for 10 years, and I've fallen deeper and deeper into it. I haven't kept track of how much I've lost. I keep looking for money to top up my positions, living off loans to pay off loans. After several years, in December last year, I finally couldn't keep up, with a total debt of 1.2 million yuan, including credit card debts, online loans, and private debts. I confessed to my family, and there wasn't much money they could help me repay. The phone calls from banks, online loan platforms, and debt collectors never stopped. I held on for over half a year, and it was incredibly exhausting. I've thought countless times about ending it all, but looking at my two children, one over 6 years old and the other over 4, I didn't go through with it. Now, the lack of understanding and the coldness from my family are almost the last straw that could break me. I'm so afraid that I can't hold on anymore...

8. 1,女娲 中国上古神话中的创世女神。传说女娲用黄土仿照自己造成了人，创造了人类社会。还有传说女娲补天，即自然界发生了一场特大灾害，天塌地陷，猛禽恶兽都出来残害百姓，女娲熔炼五色石来修补苍天，又杀死恶兽猛禽。另传说女娲制造了一种叫笙簧的乐器，于是人们又奉女娲是音乐女神。《风俗通义》记载她替人类建立了婚姻制度，使青年男女相互婚配，繁衍后代，因此被传为婚姻女神。关于女娲的传说很多，一直流传至今，影响甚为广泛深远。至今中国云南的苗族、侗族还将女娲作为本民族的始祖加以崇拜。

8.1. Nuwa, the Goddess of Creation in ancient Chinese mythology. According to legend, Nuwa used loess to shape people in her own image, creating human society. There are also legends about Nuwa mending the sky, where a major natural disaster occurred, with the heavens collapsing and the earth caving in. Terrible birds and fierce beasts emerged to harm the people, and Nuwa melted five-colored stones to repair the sky, also killing the evil beasts and birds. Another legend is that Nuwa created a musical instrument called a Sheng, so people revered her as the goddess of music. The "Tongshu" records that she established the marriage system for humans, enabling young men and women to get married and have offspring, thereby being honored as the goddess of marriage. There are many legends about Nuwa, which have been passed down to this day and have had a widespread and profound influence. To this day, the Miao and Dong ethnic groups in Yunnan, China still worship Nuwa as the ancestor of their respective ethnicities.

9. 经历过了短暂的迷茫，还是得打气精神来求生。老婆带着小的两个孩子回老家读书，做点发传单，发车卡的一天几十块钱的零活。

9. After a brief period of confusion, one still needs to gather one's spirits to survive. My wife took our two young children back to their hometown for their studies, and she earns a few dozen yuan a day by distributing leaflets and vehicle cards.

10. 本来我有一间文玩珠宝店，我有稳定的客源，爱我手艺的“上帝”们专爱于我，我也专宠我的顾客们。每天欣赏珠玉翡翠各种宝贝，享受赞美还分分钟收钱。

10. Originally, I had a store selling cultural relics and jewelry, and I had a stable customer base. The "gods" who loved my craftsmanship were especially fond of me, and I also gave special attention to my customers. Every day, I appreciated various gems like pearls, jade, and jadeite, enjoyed compliments, and made money every minute.

11. 管不住下半身，恣肆邪淫，很可能招致血光之灾。

11. Being unable to control one's lower body and indulging in unbridled immorality may likely lead to misfortune or disasters involving bloodshed.

12. 我在省城找事做，照顾大女儿读高中。我做过代驾，在快递公司仓库里面做过分拣。下班以后在摆过地摊，在网上做过兼职。抽时间学习赚钱的门道。

12. I have been looking for work in the provincial capital while taking care of my elder daughter as she studies in high school. I have worked as a chauffeur, and I also sorted packages in a courier company's warehouse. After work, I have set up street stalls and done part-time work online. I have taken time to learn about ways to make money.

13. 有一个朋友，在事业单位工作，正科级，在当地县城有优越的社会地位，薪水不低。还有一个和睦幸福的家庭，妻子是医生，勤劳能干。女儿正在上小学，乖巧懂事。他是大家羡慕嫉妒恨的人生赢家。然而，因为纵欲，这一切美好都灰飞烟灭。

13. There was a friend who worked at an institution, holding the position of a director at the county level. He enjoyed a prestigious social status in the local county, and his salary was not low. He also had a harmonious and happy family; his wife was a doctor, diligent and capable. Their daughter was in elementary school,乖巧 and sensible. He was the envy of everyone, a winner in life. However, due to indulgence, all this beauty turned to ashes.

14. 我有美丽的妻子，以及三个活泼可爱的孩子。如果不是我投资失败，我们一家人现在会过的甜甜蜜蜜，幸福满满。

14. I have a beautiful wife and three lively, adorable children. If it weren't for my investment failure, our family would be living a sweet and happy life now.

15. 40岁负债几百万也算是很正常的事情，前几年股市暴跌我就亏了1500万，其中有贷款不到800万。压力很大，因为除了本金外，每天还产生利息要还，家里一家老少的生活费，几套房贷，每年不转出几十万根本没法活下去。有段时间真的想跳楼。可是有孩子要养，咬着牙也要撑下去。没办法，借钱做期货，投实体，两三年下来贷款还了一大半，还是有一部分没还清，不过也算有了希望，等把房子再卖个一两套，就能彻底周转开了，到时候重头再来，也没啥

15. It's quite normal to be in millions of debt at the age of 40. A few years ago, when the stock market crashed, I lost 15 million yuan, of which less than 8 million was borrowed. The pressure was huge because, besides the principal, I had to pay interest every day, and also cover the living expenses for my family, including the costs of several mortgages. Without transferring a few hundred thousand yuan every year, it would be impossible to survive. There was a period when I really wanted to jump off a building. However, since I have children to support, I had to bite the bullet and hold on. I had no choice but to borrow money to trade futures and invest in the real economy. After two or three years, I paid off most of the loans, though there's still a part that hasn't been paid off. But at least I've seen some hope. Once I sell one or two more houses, I'll be able to completely turn things around. Then I can start over, and it's not that bad.

16. 长期透支肾精，生命没有阳气，人就不会有生气，没有生气，也就离死不远了。

16. If one continuously over-exhausts their kidney essence, their life will lack the vital yang energy. Without this energy, a person will lose vitality, and without vitality, they are not far from death.

17. 中医认为，肾为先天之本，蕴藏着生命的阳气。如果频繁纵欲，肾精消耗过多，会导致身体虚弱，免疫力和自愈力下降，各种疾病就会趁虚而入。

17. According to traditional Chinese medicine, the kidneys are the root of the essential qi, storing the vital yang of life. If one indulges in sexual desires frequently, the kidney essence will be excessively consumed, leading to physical weakness, decreased immunity and self-healing ability, and various diseases will take advantage of the vulnerability to enter.

18. 纵欲一时爽，背后确是十分严重的代价。

18. Indulging in excess may bring temporary pleasure, but it indeed comes with a very serious cost behind it.

19. 最后，妻子和他离婚，女儿判给了妻子。组织上也因为他的作风问题，将他开除公职。

19. Finally, his wife divorced him, and the daughter was awarded to the wife. The organization also expelled him from his official position due to his manner of conduct.

20. 40岁如果还能负债几百万，基本上可以肯定这种人前半生都太顺了，对 社会 ，对人性洞察不够，这种人要么小富即安也能过完一生，但凡有一点不安份的心，就是到了60岁一样会赔光……

20. If someone is in their 40s and can still be burdened with several million in debt, it is basically certain that this person has had a very smooth first half of their life, lacking insight into society and human nature. Such individuals may be content with modest wealth and live out their lives, but if they have even a hint of unrest, they will be just as likely to lose everything by the time they reach 60...

21. 人以类聚物以群分，人和人之间拼的就是你懂，我不懂；我懂，你不懂；我懂，你懂，我做了，你没有做，这才是你翻身的秘笈，你处理债务的秘笈是：先解决生存，再解决发展，最后解决债务，这是步骤，千万不要在自己生存没有安顿好的情况，借钱，有点钱都要还债，最后自己生存出现了问题，等于你一分债务没有处理，所以处理债务的基本条件，就是先解决生存问题，然后去发展，赚钱，用发展赚到的钱，再处理债务问题，这是我过来的经验，希望这些内容能帮助你，希望你早日上岸。

21. People gather in groups according to their kinds, and what people compete with each other over is what you understand that I don't; I understand that you don't; I understand, and you understand, but I have done it, and you haven't done it – this is the secret to your turning point, and the secret to dealing with debt is: first solve survival, then solve development, and finally solve debt. This is the process – please do not borrow money when you haven't settled your own survival, and even a little money must be repaid, which ultimately leads to problems in your own survival. It's as if you haven't dealt with any debt at all. So, the basic condition for dealing with debt is to first solve the survival issue, then move on to development, making money, and using the money earned from development to handle debt issues. This is my experience from the past, and I hope these contents can help you. I hope you can turn things around soon.

22. 32负债400，40岁我想我已经还清了，不想在欠债

22. I am 32 years old and I think I have paid off the debt of 400 yuan, I don't want to be in debt anymore.

23. 纵欲之人，必须算好以下三笔账。

23. Those who indulge in excess must account for the following three things.

24. 因预算不足，在当地找私人借了60万元才把材料和工人工资付清。约定每月支付利息42000元。

24. Due to budget shortages, 600,000 yuan was borrowed from a private individual locally to pay off the materials and workers' wages. It was agreed that an interest of 42,000 yuan would be paid monthly.

25. 我和爱人一商量，觉得是个很好的机会，当时我们只有50的现金，把修建的第二栋黑房子亏本卖得100万，办理银行贷款信用卡，凑足了200万投入到朋友的工程上。

25. After discussing it with my partner, we thought it was a great opportunity. At the time, we only had 50,000 in cash. We sold the second black house we built at a loss for 1 million yuan, took out a bank loan and credit card, and managed to gather 2 million yuan to invest in our friend's project.

26. 炎帝不在家时，女娃便独自玩耍，她非常想让父亲带她出去，到东海——太阳升起的地方去看一看。可是因为父亲忙于公事：太阳升起时来到东海,直到太阳落下；日日如此，总是不能带她去。这一天，女娃没告诉父亲，便一个人驾着一只小船向东海太阳升起的地方划去。不幸的是，海上突然起了狂风大浪，像山一样的海浪把女娃的小船打翻了，女娃不幸落入海中，终被无情的大海吞没了，永远回不来了。炎帝固然痛念自己的小女儿，但却不能用太阳光来照射她,使她死而复生，也只有独自神伤嗟叹了。

26. When the Emperor Yan was not at home, girl Wa would play alone. She very much wanted her father to take her out, to the East Sea – the place where the sun rises, to have a look. However, because her father was busy with official affairs: coming to the East Sea at sunrise and staying there until the sun sets; this was the norm every day, and he could never take her along. On this day, without telling her father, girl Wa set out alone in a small boat towards the place where the sun rises in the East Sea. Unfortunately, a sudden fierce storm and towering waves like mountains capsized her small boat, and girl Wa unfortunately fell into the sea, was swallowed up by the merciless ocean, and could never return. Though Emperor Yan deeply mourned his little daughter, he could not use the sun's rays to illuminate her, bring her back to life after death, and could only feel sad and sigh alone.

27. 如果是30岁以下就负债，有可能还没有孩子；

27. If one is in debt before the age of 30, it's possible that they may not have children yet.

28. 我今年46岁，负债380多万。以前做图书批发，年利润最少有60万以上。因修黑房子和投资工程，负债380多万生不如死。

28. I am 46 years old this year and I am in debt for over 3.8 million yuan. In the past, I was involved in book wholesale, and my annual profit was at least over 600,000 yuan. Because of the renovation of a black house and investment in projects, being in debt for over 3.8 million yuan feels like living in hell.

29. 于2010年12月花了32万在我们省城郊区另外买了800平米的土地，开始建第二栋房子。

29. In December 2010, 320,000 yuan was spent on purchasing another 800 square meters of land in the suburbs of our city, to begin construction of the second house.

30. 5炎帝,传说上古时期姜姓部落的首领，又称赤帝、烈山氏，一说即神农氏(或神农氏的子孙)。相传其母名女登，一日游华阳，被神龙绕身，感应而孕，生下炎帝。传说炎帝人身牛首，头上有角。炎帝生于烈山石室，长于姜水，有圣德，以火德王，故号炎帝。炎帝少而聪颖，三天能说话，五天能走路，三年知稼穑之事。他一生为百姓办了许多好事：教百姓耕作，百姓得以丰食足衣；为了让百姓不受病疾之苦，他尝遍了各种药材，以致自己一日中七十次毒。他又作乐器，让百姓懂得礼仪，为后世所称道。

30. Yu Huang (Yan Emperor), the legendary chief of the Jiang lineage tribe in ancient times, also known as Chi Emperor, Lie Shan Shi, or according to some legends, the same as神农 (or the descendants of Shen Nong). It is said that his mother was named Nü Dēng, who, one day while visiting Huayang, was surrounded by a dragon, and conceived through this感应. The Yan Emperor was born with a human body and an ox head, with horns on his head. Born in the cave of Lie Shan, he grew up by the Jiang River, had holy virtues, and ruled with the virtue of fire, thus being known as the Yan Emperor. The Yan Emperor was wise and intelligent from a young age; he could speak within three days and walk within five days, and by the age of three, he knew about agriculture and farming. Throughout his life, he did many good deeds for the people: he taught the people farming, so they could have abundant food and clothing; to make the people not suffer from diseases and ailments, he tasted all sorts of herbs, to the extent that he was poisoned seventy times in one day. He also created musical instruments, taught the people about propriety and etiquette, and was lauded by posterity.

31. 加油吧，欠债不可怕，怕的是你不行动，不坚持。

31. Keep going, it's not scary to owe debts, what's scary is that you don't take action or persist.

32. 11少昊是远古时羲和部落的后裔，东夷人的首领，中国五帝之一，少昊在位期间，因修太昊之法，故称少昊。设工正、农正，分别管理手工业和农业，以发展生产。同时还“正度量”，即订立度量标准，并观测天象，制定历法，发明乐器，创作乐曲，以鸟命官（其实是用不同的鸟作各少昊部落的图腾），少昊的图腾可能是燕子（嬴）。同时，还与炎黄集团建立了密切的交流关系

32. 11 Shaoxiao was the descendant of the ancient Yihe tribe, the leader of the Dongyi people, and one of the Five Emperors of China. During his reign, as he repaired the laws of Taihao, he was known as Shaoxiao. He established positions of the artisan supervisor and the agricultural supervisor to manage handicrafts and agriculture respectively, in order to develop production. At the same time, he also "standardized measures," which means establishing measurement standards, observing celestial phenomena, formulating calendars, inventing musical instruments, composing music, and appointing officials based on birds (which was actually using different birds as the totems of various Shaoxiao tribes). The totem of Shaoxiao may have been the swallow (Ying). Additionally, he also established a close exchange relationship with the Yanhuang group.

33. 接二连三的降维打击，店没了，房子没了，带着孩子租工作室打地铺，全部卡片爆雷，甚至连近百万的保单都被押光。

33. A series of successive strikes on the dimension, the store is gone, the house is gone, renting a studio and sleeping on the floor with the children, all cards have exploded, and even nearly a million insurance policies have been pawned off.

34. 9刑天中国古代神话传说中的人物。又称形天。据《山海经·海外西经》记载：“刑天与天帝争神，帝断其首，葬之常羊之山。乃刑天以乳为目，以脐为口，操干戚以舞。”因此 ，刑天常被后人称颂为不屈的英雄。东晋诗人陶渊明《读山海经》诗：“刑天舞干戚，猛志固常在。”即咏此事，借寓抱负。

34. Xingtian is a character from the ancient Chinese mythology. Also known as Xingtian. According to the records in "Shan Hai Jing - Huaaiai Xi Jing": "Xingtian and the Emperor of Heaven fought over the position of the gods, the Emperor chopped off his head, and buried it on Changyang Mountain. Xingtian then used his breasts as eyes and his navel as a mouth, wielding the Gua and Chi to dance." Therefore, Xingtian is often praised by later generations as a hero who would not submit. The poet Tao Yuanming of the Eastern Jin Dynasty, in his poem "Reading the Shan Hai Jing," wrote: "Xingtian dances with the Gua and Chi, his strong will remains ever constant." This poem describes this event, metaphorically expressing aspirations.

35. 手上一把信用卡，曾经自己引以为自豪的高额度信用卡全部刷爆，变成了压得我喘不上气的负担。信用卡 网贷，每个月几乎天天都是最后还款日，一个三指宽的小本本，密密麻麻记满了还款信息，密集恐惧症都犯了。

35. In my hand, a pile of credit cards, once a source of pride with their high credit limits, have now turned into a suffocating burden. Credit cards and online loans, almost every day of the month is the last day for repayment, a small notebook no wider than three fingers, densely filled with repayment information, triggering a panic attack from my claustrophobia.

36. 都是这些很奇葩的问题，我是四十多岁的创业者，曾经负债不止400万，选择回答。

36. It's all these very peculiar questions. I am a entrepreneur in my forties who has once been in debt over 4 million yuan, and I have chosen to answer.

37. 我和老婆六七年了，自己在家煮饭吃的时候，从来没有吃过一片肉。家里一周买上两三次肉，主要是给小的两个孩子吃。

37. I've been with my wife for about six or seven years, and when I cook at home, I have never eaten a single piece of meat. We buy meat two or three times a week at home, mainly for the two younger children.