1. 宁叫孩子瘦，不吃财主豆。

1. Better to let the child be thin than to eat the rich man's beans.

2. 没财可理。许多人觉得收入低，用钱的地方多，存钱理财有难度，这种想法是不对的。理财不分多寡。正所谓“你不理财，财不理你”，不要告诉自己“我没财可理”，要告诉自己“我要从现在开始理财”，尽早学会投资理财。我有一个朋友，他把家里的房子抵押贷款50万元参与投资理财，收益率216%，贷款利率625%，一年获净收益775万元，比他夫妻工资的合计还要高。

2. There is no money to manage. Many people feel that their income is low, there are many places to spend money, and it is difficult to save and manage their finances, but this thinking is incorrect. Financial management does not depend on the amount. As the saying goes, "If you don't manage your finances, your finances won't manage themselves." Don't tell yourself "I have no money to manage," but tell yourself "I want to start managing my finances now," and learn to invest and manage your finances as soon as possible. I have a friend who used a 500,000 yuan mortgage on his family's house to participate in investment and financial management. He achieved a return rate of 216%, with a loan interest rate of 625%, and obtained a net profit of 7.75 million yuan in one year, which is higher than the combined salary of him and his wife.

3. 存钱--资产 当期的收入超过支出会有储蓄产生，而每期累积下来的储蓄就是资产，也是可以帮你钱滚钱，产生投资收益的本金。年老无法继续工作产生收入时，我们就要靠钱的资源产生理财收入或变现资产来支应晚年所需。

3. Saving - Assets: When current income exceeds expenses, savings are generated, and the cumulative savings over time become assets, which can help your money grow and generate investment returns. When we reach an age where we can no longer work and earn income, we rely on the resources of money to generate investment income or liquidate assets to support our retirement needs.

4. 会理财：一年节约1万元参与理财，设定收益率为18%，30年后总现金资产是933万元！其中本金30万元，收益903万元！不经意间，一个千万富翁诞生了。

4. Financially savvy: By saving 10,000 yuan annually and investing in finance with an 18% return rate, after 30 years, the total cash assets will amount to 9.33 million yuan! Of this, the principal amount is 300,000 yuan, and the profit is 9.03 million yuan! Unbeknownst to them, a millionaire was born.

5. 帮工不赚钱，混个肚子圆。

5. The helper doesn't make much money, just enough to fill one's belly.

6. 穷人遇荒年，两眼泪涟涟。

6. The poor face a bad harvest year, tears streaming down their cheeks.

7. 莫笑穷人穿破衣。

7. Do not laugh at the poor for their tattered clothes.

8. 穷人知道穷人苦，穷人见了穷人亲。

8. The poor know the hardships of the poor, and the poor feel close to each other when they meet.

9. 穷人饭，拿命换。外面累断膀子，家里饿断肠子。

9. Poor people's food, life is exchanged for it. Outside, the arms are broken from exhaustion, inside, the intestines are starved to shreds.

10. 一年盼望一年好，汗衫补得象夹袄。

10. Every year looks forward to a good one, the undershirt is mended like a jacket.

11. 用钱--支出 人一生的支出包括从出生至终老的生活支出（衣食住行教育娱乐医疗等家庭开销）及因投资与信贷所产生的理财支出（贷款利息支出、保障型保险保费支出、投资手续费用支出等）。

11. Money -- Expenditures: A person's lifetime expenditures include living expenses from birth to old age (clothing, food, housing, transportation, education, entertainment, medical care, and other family expenses), as well as financial expenditures caused by investments and credit (loan interest expenditures, insurance premium expenditures for protection-type insurance, investment handling fee expenditures, etc.).

12. 严霜单打独根草，寒风只吹无衣人。

12. The severe frost attacks the lone grass, the cold wind only blows the unclothed person.

13. 《增广贤文》集结中国从古到今的各种格言、谚语。后来，经过明、清两代文人的不断增补，才改成现在这个模样，称《增广昔时贤文》，通称《增广贤文》。

13. The "Enlarged Collection of Worthy Sayings" compiles various proverbs and sayings from ancient times to the present in China. Later, after continuous supplementation by scholars of the Ming and Qing dynasties, it was renamed to its current form, known as "Enlarged Sayings of Past Sages," commonly referred to as "Enlarged Collection of Worthy Sayings."

14. 千年瓦片也有翻身日，哪有穷人穷到底。

14. Even the ancient tiles have their day of翻身 (upturn), how can the poor ever be穷到底 (completely destitute)?

15. 日无鸡啄米，夜无鼠耗粮。

15. Daytime without the chickens pecking at the rice, nighttime without the rats consuming the grain.

16. 木匠家里无凳坐，卖油娘子水梳头。

16. The carpenter's house has no stool to sit on, while the oil seller's wife combs her hair with water.

17. 只帮穷人支锅，不帮富人吃喝。

17. Only help the poor cook, not help the rich eat and drink.

18. 冷天冷在风里，穷人穷在租里。

18. In cold weather, the cold is felt in the wind; for the poor, poverty is felt in rent.

19. 半年糠菜半年粮，****度饥荒。

19. Half a year of bran and vegetable half a year of grain, **** degree of famine. (Note: The word "****" is a placeholder for a number or word that was not provided in the original text, typically indicating a specific measure or level of something. It should be replaced with the appropriate word or number in the context of the translation.)

20. 有穿有戴高处坐，无穿无戴立黑角。

20. Those who wear clothes and sit high up, those who do not wear clothes and stand are in the dark corner.

21. 坐轿不知抬轿苦，饱汉不知饿汉饥。

21. Those who ride in sedan chairs do not know the toil of those who carry them, and those who are full do not comprehend the hunger of the hungry.

22. 年前节后，穷人对头。

22 years ago, after the festival, the poor were at odds.

23. 河南流传着一句家喻户晓的谚语，“吃不穷、穿不穷、算计不到一世穷”。这里的“吃”和“穿”指消费，“算计”指家庭收支计划，就是理财。谈到理财，一般想到的不是投资，就是赚钱。其实理财的范围很广，理财是理一生的财，也就是一生的现金流量与风险管理。

23. There is a well-known proverb in Henan, "Not poor from eating, not poor from wearing, but poor from not planning for a lifetime." Here, "eating" and "wearing" refer to consumption, while "planning" refers to the family's budgeting, which is essentially financial management. When it comes to financial management, people usually think of investment or making money. In fact, the scope of financial management is very broad. Financial management is about managing one's finances throughout a lifetime, which includes managing one's lifetime cash flow and risk management.

24. 富贵礼性大，贫穷口角多。

24. The etiquette of the wealthy is grand, while the poor have many disputes at the mouth.

25. 外头累折膀子，家里饿断肠子。

25. Out there, the wings are weary from flapping; at home, the intestines are starved to the bone.

26. 铁匠家里没菜刀。

26. The blacksmith's house doesn't have a kitchen knife.

27. 赚钱--收入 人一生的收入包含工作收入（薪金、佣金、奖金、自营事业所得等）及运用金钱资源产生的理财收入（利息收入、房租收入、股利等），工作收入是以人赚钱，理财收入是以钱赚钱。

27. Making Money -- Income: A person's lifetime income includes working income (salary, commission, bonuses, income from self-employed businesses, etc.) and financial income generated from the application of financial resources (interest income, rent income, dividends, etc.), where working income is about earning money through work, and financial income is about earning money through money.

28. 人不穷一般大，水不流一般平。

28. People are not all the same when it comes to wealth, nor does water flow in a perfectly even manner.

29. 第三步，不做不考虑任何客观情况风险偏好的假设，比如很多客户把钱全部都放在股市里，不考虑父母、子女，不考虑家庭责任，这时候他的风险偏好就偏离了他能承受的范围。

29. The third step is not to make assumptions about risk preferences without considering any objective circumstances, such as many customers putting all their money into the stock market without considering their parents or children, or their family responsibilities. In this case, their risk preferences have deviated from the range they can bear.

30. 耕田不弄肉，峁头挖哒哭。

30. Not tilling the fields, but eating meat; digging a mound and then crying.

31. 贫不学俭，卑不学恭。?>

31. The poor do not learn thrift; the humble do not learn respect.

32. 吃力的不赚钱，赚钱的不吃力。

32. Things that are difficult to do don't make money, and things that make money aren't difficult.

33. 天干狂风多，人穷白话多。

33. The more fierce the wind in the Heavenly Stems, the more folksy talk there is among the destitute.

34. 一年盼望一年好，汗衫补得像夹袄。

34. Year after year, everyone hopes for a good year, and the汗衫 (sweatshirt) is patched up to look like a 夹袄 (jacket).

35. 《增广贤文》。又名《昔时贤文》《古今贤文》，是中国明代时期编写的儿童启蒙书目。

35. "The Expanded Collection of Virtuous Sayings," also known as "The Sayings of the Ancients and the Moderns," is a children's enlightenment book compiled during the Ming Dynasty period in China.

36. 肩挑一百八，裤子打疙瘩。

36. Bear a load of one hundred and eight, the pants are tied in a knot.

37. 不怕凶，只怕穷。

37. Fear not the fierce, but fear the poor.

38. 算盘响，眼泪淌。冷怕起风，穷怕欠债。

38. The abacus clatters, tears flow. Fear the cold wind, fear debt more.

39. 手长袖儿短，人穷颜色低。

39. The sleeves are long and the color is low when a person is poor.

40. 丑遮不住，穷盖不住。

40. Beauty cannot be concealed, and poverty cannot be covered up.

41. 桐油点灯灯不亮，穷人讲话话不响。

41.桐油灯不亮，穷人说话声音小。

42. 泥瓦匠住草房，纺织姑娘没衣裳。

42. The bricklayer lives in a thatched house, and the spinning girl has no clothes.

43. 卖油娘子水梳头，卖扇娘子手遮头。

43. The oil-selling maiden combs her hair with water, the fan-selling maiden shields her head with her hand.

44. 吃的全在肚里，穿的全在身上。

44. All the food goes into the stomach, and all the clothes go on the body.

45. 我们最常见的理财产品有：炒金、基金、股票、期货、国债、储蓄、债券、外汇、保险、银行理财产品、担保投资、信托、珠宝等。一般可能获得较高收益的产品，风险也较大，究竟怎样规划理财呢？

45. The most common financial products we have are: gold trading, funds, stocks, futures, government bonds, savings, bonds, foreign exchange, insurance, bank financial products, guarantee investments, trusts, jewelry, and so on. Generally, products that may yield higher returns also come with higher risks. So, how should we plan our financial management?

46. 天旱失节令，人穷失信用。

46. In times of drought, seasons are lost; in times of poverty, credit is lost.

47. 逃荒逃荒，越逃越慌。

47. Fleeing the famine, the more you flee, the more panicked you become.

48. 牛耕田，马吃谷，穷人辛财主享福。

48. The ox plows the field, the horse eats grain, the poor toil while the wealthy enjoy their fortune.

49. 长工活，慢慢磨。

49. The long worker, take your time.

50. 采得百花成蜜后，为谁辛苦为谁甜。

50. After gathering all the flowers to make honey, for whom is the hard work and for whom is the sweetness?

51. 不怕老板生得乖，蝌蚂三跳有一跩。

51. Don't be afraid that the boss is too cunning, the frog jumps three times and still has a leg left.

52. 到底会理财不如会挣钱，还是会挣钱不如会理财呢？结论是，精明的算计比拼命的挣钱更具意义。

52. Is it better to be good at managing money or to be good at making money, or is it better to be good at making money than at managing money? The conclusion is that clever calculation is more meaningful than hard-earned money.

53. 一年忙到头，**在外头。

53. Busy all year round, out there.

54. 财主有钱千条路，农民无钱路一条。

54. The rich have a thousand ways with money, while the poor have only one path with no money.

55. 诉不尽的穷人苦，打不尽的毡上土。

55. The sorrows of the poor are endless, and the dirt on the felt cannot be beaten away.

56. 穷人不织布，财主打条肚。

56. The poor do not weave cloth, the wealthy wear a bellyband.

57. 第一步，回顾资产状况。包括存量资产和未来收入的预期，知道有多少财可以理，这是最基本的前提。

57. The first step is to review the asset status. This includes the existing assets and the expected future income, to know how much wealth there is to manage, which is the most basic premise.

58. 柴湿烟多，人穷气多。

58. More damp smoke from the firewood, more resentment from the poor.

59. 上无一片瓦，下无一寸土。

59. Above, not a single tile; below, not an inch of land.

60. 冷在风里，穷在租里。

60. Being cold is due to the wind, being poor is due to renting.

61. 会理财不如会挣钱。很多人都抱这种想法。觉得自己收入不错，不会理财也无所谓。其实不然，要知道理财能力跟挣钱能力往往是相辅相成的，一个有着高收入的人应该有更好的理财方法来打理自己的财产，

61. It's better to be good at earning money than at managing finances. Many people hold this belief. They think that as long as their income is decent, it doesn't matter if they are not good at managing finances. In fact, that is not the case. It's important to know that financial management skills are often complementary to earning power. A person with a high income should have better methods of managing their own wealth.

62. 意思是，人穷在闹市里都无人搭理，人富即使在深山老林也有人去看，不信就看看杯中的酒，每一杯都是先敬给有钱人。

62. It means that even in the bustling city, if a person is poor, no one will pay attention to them, but if a person is rich, even in the remote mountains and forests, there will be people to visit them. If you don't believe it, just look at the wine in the cup; every cup is first offered to the wealthy.

63. 冷末冷在风里债是一根无头绳，解不开它捆死人。

63. "Cold end cold in the wind, the debt is a rope without a head, it can't be untied and it can strangle to death."

64. 马行无力皆困瘦，人不风流都为贫。

64. Horses, weary and thin, are all in distress; people, lacking charm, are all poor.

65. 长工慢似牛，一年拉到头。

65. The long-term worker is as slow as a cow, dragging it out to the end of the year.

66. 不需要理财。有些人认为，自己虽然不懂理财，但也不会每月都把钱花光，有时还能剩出些钱，因此不需要理财。这种观点也是不正确的，无论你的收入是否真的很充足，都有必要理财。

66. There is no need for financial management. Some people believe that although they are not good at financial management, they won't spend all their money every month, and sometimes they can even save some money, so there is no need for financial management. This view is also incorrect. Regardless of whether your income is really sufficient, there is always a need for financial management.

67. 庄稼人靠牛吃饭，财主靠穷人吃饭。

67. The farmer eats by the cow, while the wealthy eat by the poor.

68. 没有人的用人儿，没有牛的用牛儿。

68. No one employs a servant, no ox employs an oxen.

69. 《增广贤文》的内容大致有这样几个方面：一是谈人及人际关系，二是谈命运，三是谈如何处世，四是表达对读书的看法。

69. The content of the "Expanded Collection of Virtuous Sayings" is roughly divided into several aspects: first, discussing people and interpersonal relationships; second, talking about destiny; third, discussing how to conduct oneself in society; and fourth, expressing opinions on reading.

70. 谷折钱，钱折谷，借一石，死一屋。

70. The cost of grain is converted into money, and the cost of money is converted into grain. Borrow one measure of grain, and it results in the death of an entire household.

71. 种田的吃米糠，卖盐的喝淡汤。

71. Those who cultivate the land eat rice bran, and those who sell salt drink plain soup.

72. 一担压断腰，家里无柴烧。

72. A burden breaks one's back, and there is no firewood at home.

73. 人穷不算穷，就怕穷无能。

73. It's not poverty that counts as being poor, but it's the inability to be poor that's feared.

74. 理财规划的核心就是资产和负债相匹配的过程。资产就是以前的存量资产和收入的能力。负债就是家庭责任，赡养父母、抚养孩子。让你的资产和负债进行动态的匹配，以期收益最大化，获得高品质的生活，这就是家庭理财的核心理念。

74. The core of financial planning is the process of matching assets with liabilities. Assets include the existing assets and the ability to generate income. Liabilities refer to family responsibilities, such as supporting parents and raising children. To dynamically match your assets and liabilities in order to maximize returns and achieve a high-quality life is the core concept of family financial management.

75. 落雨莫爬高墩，穷人莫攀高亲。

75. Don't climb high dikes when it rains, and don't seek high connections when you're poor.

76. 宁向穷人借一斗，莫向富人求一口。

76. It's better to borrow a bushel from the poor than to beg a mouthful from the rich.