在这个知识爆炸的时代，我们每个人都在追求更美好的生活。而“掌握知识与财富：人生修养的最佳路径”，正是我们探寻幸福的钥匙。本文将带领您开启一段探索之旅，揭开知识与财富背后的秘密，助您找到通往成功与幸福的最佳路径。

In this era of knowledge explosion, each of us is striving for a better life. "Mastering Knowledge and Wealth: The Best Path to Personal Cultivation" is the key to our pursuit of happiness. This article will take you on an exploration journey, unveiling the secrets behind knowledge and wealth, and help you find the best path to success and happiness.

1. 爱别离苦：与至亲，相爱的人乖离分散，所以苦。因为某一些因缘，所心爱的人儿离你远去，你舍不得，所以感觉到苦。比如做父母亲的，女儿出嫁或是儿子出国留学，思念总在分手后开始，常挂心头。有的伤心流泪，哭哭啼啼；有的睡不着，吃不下。这些还不太严重，严重的是男女之间的情爱，相爱的人却偏偏被拆散，很多情侣就因此跳楼殉情。在西方有罗密欧与朱丽叶；在东方有梁山伯与祝英台，这些缠绵伟大的爱情故事，常使同情他们的人泪流满襟。

1. The Suffering of Love and Separation: The pain comes from the separation and dispersion of the closest and most beloved ones. Due to certain causes and conditions, the person you deeply love has gone far away from you, and you are unable to bear it, so you feel suffering. For instance, parents often start to miss their children after they get married or study abroad, with their longing often arising after parting and frequently occupying their thoughts. Some may become despondent, shedding tears and weeping; others may have difficulty sleeping or eating. These are relatively mild forms of suffering. More severe is the case of romantic love between men and women, where the beloved ones are unexpectedly separated, leading many couples to resort to jumping off buildings to take their own lives. In the West, there is the story of Romeo and Juliet; in the East, there is the tale of Liang Shanbo and Zhu Yingtai. These tender and great love stories often move those who sympathize with them to tears.

2. 有享尽之日，乐报没了，苦报就接踵而来，所以“行苦”是真正苦之所在。 ⑶、痴：不明事理，是非不分，称为痴。

2. There comes a time when all enjoyment comes to an end, and suffering follows in its wake. Therefore, "suffering in action" is the true source of suffering. ⑶, Stupidity: Not understanding the principles of things, being unable to distinguish between right and wrong, is called stupidity.

3. 不讲这四种话语就是正语；我们应该合理、真诚、以及和蔼可亲的话。

3. Not speaking these four kinds of words is considered good speech; we should use words that are reasonable, sincere, and amiable.

4. 四念处必须从观身不净，而观受是苦，然后观心无常，最后观法无我。因为身体的活动叫粗，受比较微细，心比受微细，而法是最微细的。（请参考《四念处》）

4. The Four Foundations of Mindfulness must start with observing the body as impure, then observing that sensations are suffering, followed by observing the mind as impermanent, and finally observing the dharma as devoid of an eternal self. This is because the activity of the body is coarse, sensations are more subtle, the mind is more subtle than sensations, and the dharma is the most subtle. (Please refer to the "Four Foundations of Mindfulness.")

5. ②、不两舌，搬弄是非；或发表引起两者间之憎恨、敌意及不和之言论。

5. ② Do not engage in backbiting or gossip; or make statements that may incite hatred, enmity, and discord between the two parties.

6. 正命：以合法不损害他人的谋生方式来维持生命，乃至不贩卖众生、军火、杀生器具、醇酒、毒品或嫖赌等。若是出家众，则如法求衣服、饮

6. Righteous livelihood: To maintain life by earning a living in a legal and non-harmful manner that does not involve trading in sentient beings, arms, instruments of killing, strong drink, drugs, or prostitution and gambling. For those who have taken monastic vows, it involves obtaining robes and food in accordance with the law.

7. 不明事理就是对世间的因果道理不知不觉，好像人是怎样来的？死后怎样去？此外，对四圣谛、三宝的实、德、能，即是说对于真理的真实、三宝的功德、自己与他人能修行解脱等无知，都是愚痴。

7. Not understanding the cause and effect principles of the world is a lack of awareness of these laws, as in questions like: How do people come into being? How do they go after death? Moreover, the ignorance regarding the reality, virtues, and powers of the Four Noble Truths and the Three Treasures, that is, the true nature of truth, the merits of the Three Treasures, and the ability to practice and attain liberation for oneself and others, all of these are considered foolishness.

8. 法念住－－观法尘及一切法无我、无我所，而我们执著有一个我，所以我们要观法无我。

8. Mindfulness of the Law - Observing the dust of the Dharma and all phenomena as devoid of an ego and ego-possessor, yet we are attached to the idea of an 'I,' so we should observe the Dharma as devoid of an ego.

9. 方法为正念。于修道中不忘失所修的法，心念时时明了不忘失，比如念

9. The method is mindfulness. In the practice of cultivation, do not forget the method being cultivated. The mind should always be clear and mindful, not forgetting, for example, the practice of recitation.

10. 正定：心一境性，不向外驰散，正定有初禅至灭尽定，禅定时的用心不外两种情况：

10. Zhengding (Correct Meditation): It involves focusing the mind without wandering outward. Correct meditation ranges from the first jhana (meditative absorption) to the final dhyana (cessation of meditation). The focus during meditation primarily involves two situations:

11. 灭谛：说明解脱与证果。众生无时无刻不在病苦中，我们要知道没病苦的快乐是怎样的？要认识怎样的人是没有病苦的？要证知怎样才是没有病？这是指出世间的果，就是解脱、清净的境界－－涅槃。

11. Nirvana: It explains the path to liberation and the realization of fruit. The sentient beings are in suffering at all times, so how can we understand the happiness without suffering? How can we recognize who is free from suffering? How can we know what is truly free from illness? This points to the fruit of transcendental life, which is liberation, the state of purity – Nirvana.

12. ②、八正道有时又被解释为两种：一者、世间之八正道，即是正确生活之标准。二者、出世间之八正道，即是修解脱道之修行者所应遵行之生活标准。八正道是任何修学佛法之佛弟子皆应完成之生活方式，唯有八正道才能净化众生的身心。它是一条通过德行（戒）、理性（慧）与精神净化（定）而走向体证世间实相的途径。

12. ② The Eightfold Path is sometimes explained in two ways: one is the worldly Eightfold Path, which is the standard for a proper way of life. The other is the transcendent Eightfold Path, which is the standard of life that practitioners of the path to liberation should follow. The Eightfold Path is the lifestyle that all Buddhist disciples who study the Dharma should accomplish, and only through the Eightfold Path can the physical and mental impurities of beings be purified. It is a path that leads to the realization of the true nature of the world through virtue (precepts), reason (wisdom), and spiritual purification (meditation).

13. 正业：不是正当的职业，而是正当的行为，即戒杀生、邪*、偷盗等，行为善良，不侵害一切众生就是正业。于修道时，在行住坐卧中正念而

13. Righteous Profession: Not a legitimate occupation, but righteous behavior, which includes refraining from killing, adultery, theft, etc. Conducting oneself with goodness and not harming any sentient beings is considered righteous profession. During the path of cultivation, maintain a righteous mindfulness in all aspects of behavior, whether walking, standing, sitting, or lying down.

14. ⑴、业的意义：业为造作义，即是有意造作之行为称为业。业所造成之效应（果报）称为业报。此中造作之心有善、恶、无记三种，形成善、恶、无记三种业报。

14. (1) The meaning of karma: Karma refers to the act of intentional creation, meaning any behavior with intentional creation is called karma. The effects (rewards or punishments) caused by karma are known as karma's fruits. Among the intentions behind these creations, there are three types: good, evil, and neutral, which correspond to three types of karma's fruits: good, evil, and neutral.

15. 所谓见道即是见到涅盘之道路，我们现在听闻佛法，是听涅盘之道，并没有见。比如我告诉你从新加坡怎样搭飞机到东京，下了机要怎样搭车到火车站，从火车站怎样搭车到一个乡下，再从乡下去一间寺庙。如果你们从头听到尾，这只是听而已，但是你们真的去到那个地方，那才是见道。我们听闻了很多佛法，有一天觉悟道真的是如此的时候，那就是见道。见道的人断除了我见、戒禁取见及怀疑三种束缚他们的轻微烦恼，称为三结。

15. What is meant by "seeing the path" is to see the path to Nirvana. Now, when we listen to the Dharma, we are listening to the path of Nirvana, but we have not yet seen it. For example, if I tell you how to take a plane from Singapore to Tokyo, how to take a bus from the airport to the train station, and how to take a bus from the train station to a rural area, and finally how to get to a temple from the countryside, if you listen from start to finish, that is just listening. But if you actually go to that place, that is seeing the path. We have heard many teachings of the Dharma, and when we become enlightened and truly understand that this is the case, that is seeing the path. Those who have seen the path have overcome the three subtle obsessions that bind them: the view of ego, the view of the precepts, and the view of suspicion, which are known as the three knots.

16. 老苦：我们的身心衰损，朽坏，生出种种的苦受，身体老化，慢慢的不听话，不中用；而我们的心逐渐没力，想东西也越来越迟钝，样样不如人，因而觉得苦不堪言；人老不中用，皱纹满面，腰弯背娄，老态龙钟，做不了事情，苦死。有些老年人在家无所事事，又担心被子女遗弃、孤寂与疏离难以挣脱，寻取温暖与亲情难得；年轻力壮时，高朋满座，意气风发，神采飞扬，谁也没料到晚年的境遇却是如此的孤单，寂寞与凄凉。

16. Old Age Woes: Our bodies and minds deteriorate, decay, and give rise to various kinds of suffering. Our bodies age, becoming more and more disobedient and inefficient; our minds also gradually lose strength, and our thinking becomes increasingly dull, making us feel inferior in every aspect, thus finding it unbearably bitter. As we become less useful, our faces are etched with wrinkles, our backs are hunched, and we look old and weak. We can no longer perform tasks, and it is sheer torment. Some elderly people at home have nothing to do and worry about being abandoned by their children, struggling to escape loneliness and alienation, and finding warmth and family affection difficult to attain. In their youthful vigor, they had many friends, were full of spirit, and their demeanor was full of vitality. Who could have predicted that their later years would be so lonely, desolate, and bleak.

17. ③、见道位：觉悟见惑，断三结，即是断除我见、戒禁取见以及疑结。所谓结就是束缚的意思。

17. ③ The Path of Enlightenment: Realizing the ignorance and overcoming the three knots means overcoming the ego-view, the view of holding precepts as a means to attain liberation, and the knot of doubt. The term "knot" refers to the meaning of being bound or tied.

18. 余生，经常读书，努力赚钱，一手提升智慧，一手改善生活。

18. In my remaining years, I will often read books, strive to make money, with one hand enhancing wisdom and with the other improving my life.

19. 苦苦：苦受以及顺苦受的法。“受”有苦、乐、舍三种受，我们在生活中感受到苦。苦苦是指苦受。除了苦受外，还有引起苦受的种种法也是苦，被称为顺苦受法。比如你的手被火烧到，手痛是苦，而烧你的那些东西的作用也应该归于苦。我们会感觉到苦受是由嗔引起，我们要远离、要抛弃，但它又如影随形般地穷追不舍，所以我们觉得苦。八苦中的生、老、病、死、怨憎会五种苦属之。

19. Kusala: Suffering as well as the conditions that lead to suffering. "Suffering" refers to three types of experiences: suffering, pleasure, and indifference. In our daily lives, we experience suffering. Kusala specifically refers to suffering. Besides suffering, there are also various conditions that cause suffering, known as the conditions that lead to suffering. For example, if your hand is burned, the pain in your hand is suffering, and the thing that burns you should also be considered as suffering. We feel that suffering arises from anger, and we want to distance ourselves from it and discard it, but it follows us like a shadow, so we perceive it as suffering. Among the eight kinds of suffering, the five kinds of suffering - birth, old age, illness, death, and separation from those we hate - belong to this category.

20. 去正念。这个八正道中的正念偏重于定学，即是你所修的法或境，要保

20. Cultivate mindfulness. In the Noble Eightfold Path, mindfulness here emphasizes the cultivation of samatha (tranquility and meditation), which refers to the dharma or the realm that you are practicing, and to maintain...

21. ④、修道位：修行者见道后继续修行，称为修道位。即是初果、二果、三果圣者，这些圣者称为有学圣人。

21. ④, Practice Position: After a practitioner has realized the Dharma and continues to cultivate, it is referred to as the practice position. This includes those who have achieved the first, second, and third fruits of enlightenment, who are known as learned sages.

22. 赚钱，可以提升你的生活质量，让你享受到更多更好的资源和服务。所谓：有钱走遍天下，没钱寸步难行。钱是行走于世的通行证，没有钱，无异于被抽取脊梁的软体动物。赚到钱，不仅自己和家人过得好，你也会得到别人的尊重和肯定。

22. Earning money can improve your quality of life and allow you to enjoy more and better resources and services. As the saying goes: "With money, you can go anywhere; without money, you can't even take a step." Money is a pass for navigating through life; without money, it's as if one's backbone has been taken away, leaving you a soft creature. Earning money not only ensures a good life for yourself and your family, but also earns you respect and affirmation from others.

23. 色界：此界的众生都是依据禅定进入色界，没有欲界众生的欲望，唯有清净微妙的色身。

23. The Sphere of Form: The beings in this realm enter the Sphere of Form through meditation, devoid of the desires of the beings in the Sphere of Desire, and they possess only a pure and subtle physical body.

24. 佛陀说我们烦恼中的“爱”是集谛的主要原因，故集论说“若爱、若后有爱、若贪喜集行爱、若彼彼希乐爱是名集谛。”就是说贪爱是苦生起的主要原因，我们对现前的事物苦苦贪求，此称为爱。

24. The Buddha says that the "love" in our烦恼 (distress) is the main cause of the collection of truth, hence the collection treatise states, "If love, if subsequent love, if the love of greed and joy in collecting, if the love of longing for this and that is called the collection of truth." This means that greed and love are the main causes for the arising of suffering; our relentless pursuit of present things is called love.

25. 个主体存在；而我见是执著现前的身心有一个我。所以见道的人只是破

25. There exist several subjects; while I perceive that there is a 'me' as an attachment to the present physical and mental states. Therefore, those who have realized the truth only break through this attachment.

26. ⑵、器世间：根据地、水、火、风四大所形成的物质，以及星球、日月、山河大地，乃至小如针线等物质，以及物质的活动现象，如光、声音、风、冷、热等。

26. ⑵ The material world: comprising matter formed by the four great elements—earth, water, fire, and wind—as well as celestial bodies such as planets, the sun, and the moon, mountains, rivers, and the earth itself, and even minute objects like needles and threads. It also includes the phenomena of material activities, such as light, sound, wind, cold, and heat.

27. 因为这种种的爱，使到我们死后再来生死轮回。由这个贪爱的烦恼使我们产生常、乐、我、净四个颠倒。在这个贪爱之中有一个“自体爱”，称为我执。众生对这个我执深执不舍，便无时无刻都在求生求存，求再生，求永恒的生存。因为这个贪生的欲望，使得过去、现在所造的诸业得到滋润，继续向前推动。业是过去的因，贪爱这个烦恼是现在的缘，因缘和合，我们就生生不已，一生有一生。

27. Because of all these kinds of love, we experience the cycle of birth and death after we die. This attachment and love generates the four wrong perceptions of constant, joyful, self, and purity. Within this attachment there is a "self-love" known as ego-clinging. The beings are deeply attached to this ego-clinging and cannot let it go, thus they constantly strive for survival, for rebirth, and for eternal existence. This desire for life nourishes the karma created in the past and present, continuously propelling it forward. Karma is the cause of the past, the attachment and love is the condition of the present; when causes and conditions come together, we are reborn repeatedly, and each rebirth leads to another.

28. 成年人的世界很残忍，很现实，必须要有足够的智慧，能力和资源，才能游刃有余。而提升自己最好的方式，就是读书和赚钱。

28. The adult world is very cruel and realistic; one must have enough wisdom, ability, and resources to navigate it with ease. The best way to improve oneself is through reading and making money.

29. 慈悲观－－对治嗔恚－－于怨亲等观，慈心与乐，悲心除其苦。

29. Compassion-oriented perspective – remedying anger and resentment – toward both enemies and loved ones, cultivate a compassionate heart to bring them joy, and a heart of compassion to alleviate their suffering.

30. 怨憎会苦：我们和冤家、仇人没办法避开，每每要见面，这就叫做怨憎会苦。比如一对夫妻，婚姻生活美满，恩爱，过后吵架闹翻了，但是为了儿女，夫妻之缘难断，必须天天见臭、面脸臭；或是打工仔，虽与老板不和，但为了家计，为了五斗米而折腰，天天要和不喜欢的老板见面；还有某些同事，跟你吵过一次架后，两人见面就不说话，因为某种业因缘，你不能离开他，天天要会面，这就是怨憎会苦。

30. Meeting with resentment and suffering: We cannot avoid encountering our enemies or adversaries, and whenever we have to meet them, this is referred to as "meeting with resentment and suffering." For example, in the case of a couple whose marriage is happy and loving, if they have a fight and fall out, but due to their children, their marital bond is hard to sever, they have to see each other's unpleasant faces every day; or in the case of a worker who, although not getting along with his boss, has to bow down to the boss for the sake of the family and the necessities of life, having to meet the boss he dislikes every day; or certain colleagues who, after having a fight once, choose not to speak to each other upon meeting, because of some karmic cause, you cannot leave them, and you have to meet them every day, which is called "meeting with resentment and suffering."

31. 更有些人持牛羊猪狗戒，他们学习牛羊猪狗所做的一些行为；有些不吃这些众生的肉，好像兴都教徒认为牛是神圣的，所以不吃牛肉；某些教徒却认为；猪是肮脏的，所以不吃猪肉等，这些都是戒禁取见。

31. There are also some people who observe the five precepts of refraining from killing cattle, sheep, pigs, dogs, and other animals; they learn from the behaviors of cattle, sheep, pigs, and dogs. Some do not eat the meat of these sentient beings, as some Hindus consider cows to be sacred and therefore do not consume beef; certain sects believe pigs to be unclean and thus avoid pork, etc. These are all based on the perception of what is allowable and what is forbidden.

32. 持它，称为正念；如果没办法保持它，即是失去正念。

32. Hold onto it and it is called mindfulness; if you cannot maintain it, it is the loss of mindfulness.