1. 世人慌慌张张，不过图碎银几两，偏偏这碎银几两，能解世间万千惆怅。

1. The world is in a hurry, all in pursuit of a few coppers, but strangely, these few coppers can alleviate the myriad sorrows in the world.

2. 由俭入奢易，从奢返俭难。勤俭是一种品质，细水长流才能行稳致远。

2. It is easy to move from frugality to extravagance, but difficult to return from extravagance to frugality. Industry and thrift are a quality, and only with the steady, continuous flow of small increments can one achieve stability and long-term success.

3. 第十一个月 将新节俭主义进行到底——恋爱、结婚生子三部曲

3. The eleventh month - Carry the new frugality to the end - a trilogy of love, marriage, and childbirth

4. 我们永远不知道明天和意外哪一个先来，只有拥有足够的金钱，才能够应对猝不及防的风险和灾难，在关键时刻给自己一份救赎。

4. We can never know which will come first, tomorrow or an unexpected event. Only with sufficient money can we cope with unforeseen risks and disasters, and offer ourselves a redemption in critical moments.

5. 如果你有钱，哪怕你长得再矮，他们会说浓缩就是精华，你走着路去上班，他们说你绿色低碳出行，哪怕你丢三落四，他们也会说贵人多忘事。

5. If you have money, even if you are short in stature, they will say that concentration is the essence. If you walk to work, they will say you are practicing green and low-carbon travel. Even if you are forgetful, they will say that a distinguished person is prone to forget things.

6. 世界即无常。

6. The world is impermanent.

7. 本书将贴心的省钱攻略、投资常识与日常生活融为一体，并循序渐进地引导读者逐步实施，较之专业的理财书籍更加符合年轻一代的阅读口味。在金融危机的形势下，我们都应该更及时地掌控自己的收支状况，并积极地为生活做好规划。无论何时，本书都可作为那些记账、理财爱好者的枕边书。 ——国内知名在线记账网站盐糖记创始人刘树勋

7. This book integrates caring money-saving strategies, investment knowledge, and daily life, and guides readers step by step to implement them, making it more in line with the reading preferences of the younger generation than professional financial management books. In the face of the financial crisis, we should all be more timely in controlling our income and expenditure and actively planning for our lives. At any time, this book can serve as a bedside book for those who are fond of record-keeping and financial management. ——Liu Shuxun, founder of the well-known domestic online record-keeping website YanTangJi (Salt and Sugar Record).

8. 如果你身边有人生过一次大病，就会懂得，在某些特殊的时候，金钱就是生命。

8. If you have someone around you who has suffered from a serious illness, you will understand that at certain special times, money is life.

9. 在赚钱这件事情上，不要矫情，不要虚伪，不要假清高，不要虚情假意，只要不违背法律和良知，能赚到钱就是本事。

9. When it comes to making money, don't be sentimental, don't be hypocritical, don't pretend to be noble, and don't feign sincerity. As long as it doesn't violate the law and conscience, the ability to make money is a skill.

10. 人到中年，是一个心智成熟的年纪，我们一定要有正确的金钱观，赚钱要狠，花钱要省，存钱要稳。

10. As we reach middle age, it is a time of mental maturity. We must have a correct view of money, work hard to earn money, be thrifty in spending, and save money steadily.

11. 花花公子李兆会是山西首富的儿子，从父亲手中接管了一个巨型钢铁集团和亿万家产。让李兆会花钱如流水，经常一掷千金，挥金如土。花费十个亿娶女明星，胡乱投资，随意支出大笔借款，生活上更是骄奢淫逸，腐败至极，令人瞠目结舌。

11. Li Zhaoji, the playboy, is the son of the richest man in Shanxi, who inherited a massive steel conglomerate and a billion-dollar fortune from his father. Li Zhaoji spends money like water, often lavishing thousands of dollars at a time. He spent ten billion yuan to marry a movie star, made haphazard investments,随意 spent large sums of borrowed money, and lived a life of extreme luxury and corruption, which is astonishingly extravagant and shocking.

12. 在他30岁的时候，父亲被诊断为胃癌，需要一大笔治疗和康复费用，他拿不出这么多钱，只能向亲戚们求助，可是亲戚们都不愿意帮忙，那一刻，他真的叫天不应，叫地不灵，欲哭无泪。

12. When he was 30 years old, his father was diagnosed with gastric cancer, requiring a large sum of money for treatment and rehabilitation. He couldn't afford so much money and had to turn to his relatives for help. However, none of his relatives were willing to lend a hand. At that moment, he truly felt that he could not call upon heaven or earth for help, and he was so overwhelmed with sorrow that he could not cry.

13. 第八个月 向财务自由冲刺——激情创业

13. Month 8: Sprinting towards Financial Freedom – Passionate Entrepreneurship

14. 电视剧《北京爱情故事》中，大德集团总裁教育石小猛：男人没有钱，就像被抽去了脊梁骨的软体动物。金钱是每个人行走于世的根基，可以让我们活的更有尊严，更有底气，更有品质。

14. In the TV series "Beijing Love Story", the president of the DaDe Group, Jiao Sheng, educates Shi Xiaomeng: A man without money is like a soft-bodied creature whose backbone has been removed. Money is the foundation for everyone to walk through life, allowing us to live with more dignity, more confidence, and more quality.

15. 结果没过几年，李兆会不仅败光了所有的财产，而且债台高筑，被法院定性为债务执行人。

15. As a result, within a few years, Li Zhaohui not only exhausted all his property, but also accumulated a mountain of debt, and was designated as a debtor by the court.

16. 第二个月 余钱太少——如何走出消费误区

16. Second Month - Too Little Left Over - How to Break Out of the Consumer Trap

17. 到一定的年纪就会发现，什么情呀爱呀，尊严呀，脸面啊，全部都是浮云，只有把真金白银握在手里，才是成年人最大的底气。

17. At a certain age, one realizes that love, dignity, face, and all such things are all just clouds. Only holding real gold and silver in one's hands is the greatest confidence of an adult.

18. 作为一个普通老百姓，没有背景，没有后台，没有人脉，没有关系，没有渠道，没有资源，拥有的只有自己的脑力，心力和体力。只能靠自己去赚钱，千难万难，有的人竭尽全力，也只能勉强温饱。

18. As an ordinary citizen, without any background, no backing, no connections, no networks, no channels, and no resources, all one possesses is one's own intellect, heart, and physical strength. One can only rely on oneself to make a living, which is fraught with immense difficulties. Some people give it their all, yet they can only just manage to meet their basic needs.

19. 以前不懂事，觉得有些人说话噎人是情商低，现在才明白，他只是看不起你，对比他强大的人，他是不敢这样的。”

19. Previously, I didn't understand and thought that some people were just lacking emotional intelligence when they spoke to others in a suffocating way. Now I realize, they were just looking down on you; compared to those who are stronger than them, they wouldn't dare do such things."

20. 我的一个朋友在一家设计院工作，收入很丰厚。朋友从来没有存钱的意识，工资和奖金一到手，不是带着朋友吃喝玩乐，就是到全国各地旅游，是一个典型的月光族。

20. A friend of mine works at a design institute and earns a substantial income. This friend has never had the consciousness of saving money. As soon as the salary and bonuses are received, they either indulge in eating, drinking, and entertainment with friends or travel around the country. They are a typical spendthrift.

21. 不管收入多少，都要按时给自己预留一份存款，不到关键时刻，绝不轻易支取。

21. Regardless of income, always set aside a deposit for yourself on time, and never withdraw it easily unless it's a critical moment.

22. 第一个月 理财第一步——我要记账啦

22. The First Month - Financial Management Step One - I'm Going to Keep a Record of My Expenses!

23. 一段非常现实的话：“人在穷的时候，别人对你的态度都是认真的，他们骂你，说你、教育你都是发自内心无比的真诚。

23. A very realistic saying: "When a person is poor, everyone's attitude towards you is serious; when they scold you, talk about you, or educate you, it is all with an incredibly sincere heart."

24. 人到中年，赚钱要狠，花钱要省，存钱要稳。

24. As one approaches middle age, one should be aggressive in making money, thrifty in spending, and steady in saving.

25. 第七个月 生财有道——其他金融投资品种

25. The Seventh Month - Accumulating Wealth with Morality - Other types of financial investment products

26. 我们一定要慎重花钱，理性消费，量入为出，勤俭持家。

26. We must be prudent in spending, consume rationally, live within our means, and be thrifty in managing the household.

27. 挣钱真挑土，花钱水推沙。

27. Making money is like picking up soil, while spending money is like pushing sand into the water.