亲爱的孩子：

能够精打细算地管理好自己财富的人不多，能有效合理地管理好自己时间的人则更少。这两种人，后者更为可贵。你到了需要认真考虑管理自己的财富和时间的时候了，我由衷地期待你能够做到最好。

年轻人总会以为自己的时间还有很多，因此就肆意地荒度，一点都不觉得可惜。这种心态就和那些有百万家财、花起钱来大手大脚不知道珍惜的人一样。等到将来发现时间或财富都散失殆尽的时候，想后悔都来不及了。曾经担任过威廉国王、安妮女皇和乔治一世国王的财政部长的朗兹先生曾经说过：“管好小钱，不愁大钱。”他不仅提出了这样的至理名言，还身体力行去付诸实施。他给他的两个孙子分别留下了一笔遗产，而他们也正是以这笔遗产为基础积累起了巨额财富的。

这话用来形容时间同样适用。我非常希望你能珍惜生命中的每一分、每一秒，不要因为时间的零散短暂而忽略它们。如果不珍惜分分秒秒，那么一天的时间转瞬即过，而一年中浪费的时间也不计其数。

因为懒散，许多人常常不知不觉就把时间荒废掉了。他们靠在躺椅上，懒洋洋地打着哈欠，心里想着反正时间不多，什么都做不了。这么想当然干不成任何事情。不知道如何合理地安排时间，是一个人获得知识和财富的最大障碍。像你这样的年轻人，刚刚进入社会，生活不应该有懒惰、闲散的气息，而是应该积极向上，勤勤恳恳，不知疲倦。记住，今日事，今日毕，千万不要拖到明天。

Dear Boy,

Very few people are good economists of their fortune, and still fewer of their time; and yet of the tw precious. I heartily wish you to be a good economist of both; and you are now of an age to begin to think seriously of these two important articles. Young people are apt to think they have so much time before them, that they may squander what they please of it, and yet have enough left; as very great fortunes have frequently seduced people to a ruinous profusion: fatal mistakes!Always repented of, but always too late! Old Mr. Lowndes, the famous Secretary of the Treasury in the reigns of King William,Queen Anne, and King George the First, used to say, take care of the pence, and pounds will take care of themselves. To this maxim, which he not only preached but practiced, his two grandsons at this time owe the very considerable fortunes that he left them.

This holds equally true as to time; and I most earnestly recommend to you the care of those minutes and quarters of hours,in the course of the day, which people think too short to deserve their attention; and yet, if summed up at the end of the year,would amount to a very considerable portion of time.

Many people lose a great deal of their time by laziness; they loll and yawn in a great chair, tell themselves that they have not time to begin anything then, and that it will do as well another time. This is a most unfortunate disposition, and the greatest obstruction to both knowledge and business. At your age, you have no right nor claim to laziness; I have, if I please, being emeritus. You are but just listed in the world, and must be active, diligent, indefatigable. If every you propose commanding with dignity, you must serve up to it with diligence. Never put off till tomorrow what you can do today.

亲爱的孩子：

能够精打细算地管理好自己财富的人不多，能有效合理地管理好自己时间的人则更少。这两种人，后者更为可贵。你到了需要认真考虑管理自己的财富和时间的时候了，我由衷地期待你能够做到最好。

年轻人总会以为自己的时间还有很多，因此就肆意地荒度，一点都不觉得可惜。这种心态就和那些有百万家财、花起钱来大手大脚不知道珍惜的人一样。等到将来发现时间或财富都散失殆尽的时候，想后悔都来不及了。曾经担任过威廉国王、安妮女皇和乔治一世国王的财政部长的朗兹先生曾经说过：“管好小钱，不愁大钱。”他不仅提出了这样的至理名言，还身体力行去付诸实施。他给他的两个孙子分别留下了一笔遗产，而他们也正是以这笔遗产为基础积累起了巨额财富的。

这话用来形容时间同样适用。我非常希望你能珍惜生命中的每一分、每一秒，不要因为时间的零散短暂而忽略它们。如果不珍惜分分秒秒，那么一天的时间转瞬即过，而一年中浪费的时间也不计其数。

因为懒散，许多人常常不知不觉就把时间荒废掉了。他们靠在躺椅上，懒洋洋地打着哈欠，心里想着反正时间不多，什么都做不了。这么想当然干不成任何事情。不知道如何合理地安排时间，是一个人获得知识和财富的最大障碍。像你这样的年轻人，刚刚进入社会，生活不应该有懒惰、闲散的气息，而是应该积极向上，勤勤恳恳，不知疲倦。记住，今日事，今日毕，千万不要拖到明天。

文章来源：《财富生活》 网址: http://www.cfshzz.cn/qikandaodu/2021/0118/1096.html