在2024年，生活智慧将迎来一场革新。精打细算，努力赚钱，明智理财——这些不再是遥不可及的梦想，而是每个人都可以实现的现实。让我们共同开启这段充满挑战与机遇的旅程，探寻如何让智慧生活成为我们的日常。

In 2024, a revolution in the wisdom of life is on the horizon. Being thrifty, striving to earn a living, and making wise financial decisions – these are no longer distant dreams, but realities that everyone can achieve. Let's embark on this journey full of challenges and opportunities together, exploring how to make a wise life our daily reality.

1. 三年口罩之后，世界迎来经济下行期。我国也不例外，不仅房地产市场被刺穿，各行各业都不景气。

1. After three years of mask-wearing, the world is facing an economic downturn. China is no exception, with not only the real estate market being burst, but also all industries are not doing well.

2. 刘震云说：“现在最惨的人，不是没有钱，而是对钱完全没有概念。点一次外卖，可以去菜市场买一只鸡。吃一顿火锅，够在家里吃半个月。一杯奶茶，能换60个鸡蛋。

2. Liu Zhenyun said: "The worst off people now are not those who don't have money, but those who have no concept of money. Ordering one takeout meal could buy a chicken at the market. Having one hotpot meal could feed a family for a half-month. A cup of bubble tea could exchange for 60 eggs."

3. 这个世界变幻莫测，就业形势千变万化，我们自己的生活处境也处于一个无常之中，今天安稳的日子，可能明天就会遭遇巨大的冲击，面对食不果腹的危险，或者过不去的那个坎。

3. This world is ever-changing, with employment situations undergoing countless transformations. Our own life circumstances are also in a state of flux. The peaceful days we enjoy today may be shattered by tremendous shocks tomorrow, facing the dangers of not having enough to eat or encountering insurmountable obstacles.

4. 易中天感叹：“现在的人都是金钱的奴隶，一睁眼就要想着怎么赚钱；一闭眼就要想着怎么省钱；活着，吃喝拉撒都要钱；死了买墓地也要钱，半死不活最费钱。”

4. Yi Zhongtian sighed: "Nowadays, people are all slaves to money. As soon as they open their eyes, they think about how to make money; as soon as they close their eyes, they think about how to save money. Living requires money for eating, drinking, defecating, and urinating; even after death, buying a grave also requires money. The most expensive is when one is half dead and half alive."

5. 世界上所有的喜剧，可能和金钱无关。但是所有的悲剧，都和金钱脱不了干系。

5. All comedies in the world may have nothing to do with money. However, all tragedies are inextricably linked to money.

6. ​越穷的人，越是大方，在传统的思维模式里，穷人应该是很小气的，喜欢捂住钱袋子，恨不得把一分钱都掰开成两半来花。”

6. The poorer a person is, the more generous they tend to be. In traditional thinking, the poor are supposed to be very stingy, liking to clutch their money bags tightly and wishing to stretch every penny into two."

7. 人生总会遇到各种各样的意外和灾难，如果手里面不存着一些银子，你拿什么去应对猝然来临的风霜雨雪？

7. Life is bound to encounter all kinds of unexpected events and disasters. If you don't have some silver in hand, what will you use to cope with the sudden onset of storms, frost, rain, and snow?

8. 我们不知道明天和意外哪一个先来，而给自己存下足够的钱，是我们应对意外最好的底气和底牌。

8. We never know whether tomorrow or an accident will come first, and saving enough money for ourselves is the best foundation and trump card we have to deal with an accident.

9. 给自己存钱，给家人存钱，不是为了过上多么体面的生活，而是在关键的时候可以救命。

9. Save money for yourself and for your family, not for a dignified life, but so that you can save your life at critical moments.

10. 如果碰上了天灾人祸，你拿不出钱来，绝对解决不了问题，只能束手待毙。

10. If you encounter natural disasters or man-made calamities and you can't come up with the money, there is absolutely no way to solve the problem, and you can only wait passively for things to happen.

11. 对于有钱人来说，钱可能只是毫不起眼的一般等价物。对于我们穷人来说，钱就是生命之源，亲情之源，是一家人活下去的命脉。

11. For the wealthy, money may just be a trivial general equivalent. For us poor people, money is the source of life, the source of family affection, the lifeline for our family to survive.

12. 我们不是拜金主义者，但人为财死，鸟为食亡，毕竟是普通人一辈子也挣脱不了的命运。如果你不去挣钱，怎么赡养年迈的父母，怎么供养年幼的孩子，怎么给相濡以沫的伴侣减轻一点负担，怎么维持自己的人情世故。

12. We are not materialists, but as the saying goes, "man dies for money, birds for food," which is indeed a destiny that ordinary people cannot escape throughout their lives. If you don't earn money, how can you support your aging parents, provide for your young children, lighten the burden for your partner with whom you share life, and maintain your social connections?

13. 挣钱针挑土，花钱水推沙。如果你是一个和我一样的小老百姓，就会发现，挣100块钱需要你付出足够的心血，而花掉100块钱，不过眨眼之间。因为我们没有太多的挣钱渠道，也没有上天的眷顾，更没有有钱人那样的本钱，渠道和关系，我们只能靠着微薄的工资收入或者自己的力气去挣钱，每一块都是血汗钱啊，来之不易，不要打肿脸充胖子，更不要为了某种欲望，一冲动就让自己的心血打水漂。

13. Earning money is like picking soil with a needle, while spending money is like pushing sand with water. If you are an ordinary person like me, you will find that earning 100 yuan requires sufficient effort and dedication, but spending 100 yuan can happen in the blink of an eye. Because we don't have many ways to earn money, nor are we favored by heaven, nor do we have the capital, channels, and connections that wealthy people have, we can only rely on our meager salary or our own strength to earn a living, every penny is the fruit of our sweat and blood, which is not easily obtained. Don't pretend to be rich when you are poor, and even more so, don't let your efforts go to waste in a moment of impulsive desire.

14. 我们遇到的所有事情，几乎都可以用金钱解决，如果解决不了，那就需要更多的金钱。

14. Almost all the things we encounter can be resolved with money, and if they can't be, then more money is needed.

15. 省着花钱，是惜福，也是一种智慧的生活态度。

15. Saving money is being grateful for blessings, and it is also a wise attitude towards life.

16. 如果自己或者家属得了急病，大病，你拿不出钱来，医院不会收留你。

16. If you or your family members fall ill with an acute disease or a serious illness and you cannot afford to pay, the hospital will not admit you.

17. 不管你多么有文化，在金钱面前不要矫情和清高，不爱钱的人只有一种，就是伪君子。

17. No matter how educated you are, don't act snobbish or pretentious in the face of money. There is only one type of person who doesn't like money, and that is a hypocrite.

18. 2024年最好的活法，就是做一个投资保守的人，捂住钱袋子，保持足够的理性和智慧，这样才能够好好活下去。

18. The best way to live in 2024 is to be a conservative investor, hold on to your money袋，and maintain enough reason and wisdom. Only in this way can one live well.