XV L.S.D.

 Anybody who really wishes to talk simple truth about money at the present time is confronted by a very serious practical difficulty. He must put himself in opposition¹ to the overwhelming body of public opinion, and resign himself to being regarded either as a poseur², a crank, or a fool. The public is in search of happiness now, as it was a million years ago. Money is not the principal factor in happiness. It may be argued whether, as a factor in happiness, money is of twentieth-rate importance or fiftieth-rate importance. But it cannot be argued whether money, in point of fact, does or does not of itself bring happiness. There can be no doubt whatever that money does not bring happiness. Yet, in face of this incontrovertible and universal truth, the whole public behaves exactly as if money were the sole or the principal preliminary to happiness. The public does not reason, and it will not listen to reason; its blood is up in the money-hunt, and the philosopher might as well expostulate with an earthquake as try to take that public by the button-hole and explain. If a man sacrifices his interest under the will of some dead social tyrant³ in order to marry whom he wishes, if an English minister of religion declines twenty-five thousand dollars a year to go into exile and preach to New York millionaires, the phenomenon is genuinely held to be so astounding⁴ that it at once flies right round the world in the form of exclamatory newspaper articles! In an age when such an attitude towards money is sincere, it is positively⁵ dangerous—I doubt if it may not be harmful—to persist with loud obstinacy⁶ that money, instead of being the greatest, is the least thing in the world. In times of high military excitement a man may be ostracised if not lynched for uttering opinions which everybody will accept as truisms a couple of years later, and thus the wise philosopher holds his tongue—lest it should be cut out. So at the zenith of a period when the possession of money in absurd masses is an infallible means to the general respect, I have no intention either of preaching or of practising quite all that I privately⁷ in the matter of riches.

 

It was not always thus. Though there have been previous ages as lustful⁸ for wealth and ostentation⁹ as our own, there have also been ages when money-getting and millionaire-envying were not the sole preoccupations of the average man. And such an age will undoubtedly¹⁰ succeed to ours. Few things would surprise me less, in social life, than the upspringing of some anti-luxury movement, the formation of some league or guild¹¹ among the middling classes (where alone intellect is to be found in quantity), the members of which would bind¹² themselves to stand aloof¹³ from all the great, silly, banal¹⁴, ugly, and tedious luxe-activities of the time and not to spend more than a certain sum per annum on eating, drinking, covering their bodies, and being moved about like parcels from one spot of the earth's surface to another. Such a movement would, and will, help towards the formation of an opinion which would condemn¹⁵ lavish¹⁶ expenditure¹⁷ on personal satisfactions as bad form. However, the shareholders¹⁸ of grand hotels, restaurants, and race-courses of all sorts, together with popular singers and barristers, etc., need feel no immediate¹⁹ alarm. The movement is not yet.

 

As touching²⁰ the effect of money on the efficient ordering of the human machine, there is happily no necessity to inform those who have begun to interest themselves in the conduct of their own brains that money counts for very little in that paramount²¹ affair. Nothing that really helps towards perfection costs more than is within the means of every person who reads these pages. The expenses connected with daily meditation²², with the building-up of mental habits, with the practice of self-control and of cheerfulness, with the enthronement of reason over the rabble²³ of primeval instincts—these expenses are really, you know, trifling²⁴. And whether you get that well-deserved rise of a pound a week or whether you don't, you may anyhow go ahead with the machine; it isn't a motor-car, though I started by comparing it to one. And even when, having to a certain extent mastered, through sensible management of the machine, the art of achieving a daily content and dignity, you come to the embroidery²⁵ of life—even the best embroidery of life is not absolutely ruinous. Meat may go up in price—it has done—but books won't. Admission to picture galleries and concerts and so forth²⁶ will remain quite low. The views from Richmond Hill or Hindhead, or along Pall²⁷ Mall at sunset, the smell of the earth, the taste of fruit and of kisses—these things are unaffected by the machinations of trusts and the hysteria of stock exchanges. Travel, which after books is the finest of all embroideries²⁸ (and which is not to be valued by the mile but by the quality), is decidedly cheaper than ever it was. All that is required is ingenuity²⁹ in one's expenditure. And much ingenuity with a little money is vastly more profitable and amusing than much money without ingenuity.

 

And all the while as you read this you are saying, with your impatient sneer³⁰: 'It's all very well; it's all very fine talking, but ...' In brief, you are not convinced. You cannot deracinate that wide-rooted dogma within your soul that more money means more joy. I regret it. But let me put one question, and let me ask you to answer it honestly. Your financial means are greater now than they used to be. Are you happier or less discontented than you used to be? Taking your existence day by day, hour by hour, judging it by the mysterious feel (in the chest) of responsibilities, worries, positive joys and satisfactions, are you genuinely happier than you used to be?

 

I do not wish to be misunderstood. The financial question cannot be ignored. If it is true that money does not bring happiness, it is no less true that the lack of money induces a state of affairs in which efficient living becomes doubly difficult. These two propositions, superficially perhaps self-contradictory, are not really so. A modest income suffices for the fullest realisation of the Ego³¹ in terms of content and dignity; but you must live within it. You cannot righteously ignore money. A man, for instance, who cultivates himself and instructs a family of daughters in everything except the ability to earn their own livelihood³², and then has the impudence³³ to die suddenly without leaving a penny—that man is a scoundrel. Ninety—or should I say ninety-nine?—per cent. of all those anxieties which render proper living almost impossible are caused by the habit of walking on the edge of one's income as one might walk on the edge of a precipice³⁴. The majority of Englishmen have some financial worry or other continually, everlastingly³⁵ at the back of their minds. The sacrifice necessary to abolish this condition of things is more apparent than real. All spending is a matter of habit.

 

Speaking generally, a man can contrive³⁶, out of an extremely modest income, to have all that he needs—unless he needs the esteem³⁷ of snobs³⁸. Habit may, and habit usually does, make it just as difficult to keep a family on two thousand a year as on two hundred. I suppose that for the majority of men the suspension of income for a single month would mean either bankruptcy³⁹, the usurer, or acute inconvenience. Impossible, under such circumstances, to be in full and independent possession of one's immortal⁴⁰ soul! Hence I should be inclined to say that the first preliminary to a proper control of the machine is the habit of spending decidedly less than one earns or receives. The veriest automaton⁴¹ of a clerk ought to have the wherewithal of a whole year as a shield against the caprices of his employer. It would be as reasonable to expect the inhabitants of an unfortified city in the midst of a plain occupied by a hostile army to apply themselves successfully to the study of logarithms or metaphysics, as to expect a man without a year's income in his safe to apply himself successfully to the true art of living.

 

And the whole secret of relative freedom from financial anxiety lies not in income, but in expenditure. I am ashamed to utter this antique platitude⁴². But, like most aphorisms⁴³ of unassailable wisdom, it is completely ignored. You say, of course, that it is not easy to leave a margin⁴⁴ between your expenditure and your present income. I know it. I fraternally shake your hand. Still it is, in most cases, far easier to lessen⁴⁵ one's expenditure than to increase one's income without increasing one's expenditure. The alternative is before you. However you decide, be assured that the foundation of philosophy is a margin, and that the margin can always be had.

1 opposition   

n.反对，敌对

参考例句：

• The party leader is facing opposition in his own backyard.该党领袖在自己的党內遇到了反对。
• The police tried to break down the prisoner's opposition.警察设法制住了那个囚犯的反抗。

2 poseur   

n.装模作样的人

参考例句：

• He had been railed against by them as a prig and a poseur.他们责骂他是一个沾沾自喜、装腔作势的人。
• I am sometimes accused of being an inveterate poseur.有时有人说我惯于装模作样。

3 tyrant   

n.暴君，专制的君主，残暴的人

参考例句：

• The country was ruled by a despotic tyrant.该国处在一个专制暴君的统治之下。
• The tyrant was deaf to the entreaties of the slaves.暴君听不到奴隶们的哀鸣。

4 astounding   

adj.使人震惊的vt.使震惊，使大吃一惊astound的现在分词)

参考例句：

• There was an astounding 20% increase in sales. 销售量惊人地增加了20%。
• The Chairman's remarks were so astounding that the audience listened to him with bated breath. 主席说的话令人吃惊，所以听众都屏息听他说。 来自《简明英汉词典》

5 positively   

adv.明确地，断然，坚决地；实在，确实

参考例句：

• She was positively glowing with happiness.她满脸幸福。
• The weather was positively poisonous.这天气着实讨厌。

6 obstinacy   

n.顽固；（病痛等）难治

参考例句：

• It is a very accountable obstinacy.这是一种完全可以理解的固执态度。
• Cindy's anger usually made him stand firm to the point of obstinacy.辛迪一发怒，常常使他坚持自见，并达到执拗的地步。

7 privately   

adv.以私人的身份，悄悄地，私下地

参考例句：

• Some ministers admit privately that unemployment could continue to rise.一些部长私下承认失业率可能继续升高。
• The man privately admits that his motive is profits.那人私下承认他的动机是为了牟利。

8 lustful   

a.贪婪的；渴望的

参考例句：

• Adelmo agreed and duly submitted to Berengar's lustful advances. 阿德尔摩同意了并适时地顺从了贝仁格情欲的增长。
• The lustful scenes of the movie were abhorrent to the old lady. 电影里淫荡的画面让这老妇人厌恶。

9 ostentation   

n.夸耀，卖弄

参考例句：

• Choose a life of action,not one of ostentation.要选择行动的一生，而不是炫耀的一生。
• I don't like the ostentation of their expensive life - style.他们生活奢侈，爱摆阔，我不敢恭维。

10 undoubtedly   

adv.确实地，无疑地

参考例句：

• It is undoubtedly she who has said that.这话明明是她说的。
• He is undoubtedly the pride of China.毫无疑问他是中国的骄傲。

11 guild   

n.行会，同业公会，协会

参考例句：

• He used to be a member of the Writers' Guild of America.他曾是美国作家协会的一员。
• You had better incorporate the firm into your guild.你最好把这个公司并入你的行业协会。

12 bind   

vt.捆，包扎；装订；约束；使凝固；vi.变硬

参考例句：

• I will let the waiter bind up the parcel for you.我让服务生帮你把包裹包起来。
• He wants a shirt that does not bind him.他要一件不使他觉得过紧的衬衫。

13 aloof   

adj.远离的；冷淡的，漠不关心的

参考例句：

• Never stand aloof from the masses.千万不可脱离群众。
• On the evening the girl kept herself timidly aloof from the crowd.这小女孩在晚会上一直胆怯地远离人群。

14 banal   

adj.陈腐的，平庸的

参考例句：

• Making banal remarks was one of his bad habits.他的坏习惯之一就是喜欢说些陈词滥调。
• The allegations ranged from the banal to the bizarre.从平淡无奇到离奇百怪的各种说法都有。

15 condemn   

vt.谴责，指责；宣判(罪犯)，判刑

参考例句：

• Some praise him,whereas others condemn him.有些人赞扬他，而有些人谴责他。
• We mustn't condemn him on mere suppositions.我们不可全凭臆测来指责他。

16 lavish   

adj.无节制的；浪费的；vt.慷慨地给予，挥霍

参考例句：

• He despised people who were lavish with their praises.他看不起那些阿谀奉承的人。
• The sets and costumes are lavish.布景和服装极尽奢华。

17 expenditure   

n.(时间、劳力、金钱等)支出；使用，消耗

参考例句：

• The entry of all expenditure is necessary.有必要把一切开支入账。
• The monthly expenditure of our family is four hundred dollars altogether.我们一家的开销每月共计四百元。

18 shareholders   

n.股东( shareholder的名词复数 )

参考例句：

• The meeting was attended by 90% of shareholders. 90%的股东出席了会议。
• the company's fiduciary duty to its shareholders 公司对股东负有的受托责任

19 immediate   

adj.立即的；直接的，最接近的；紧靠的

参考例句：

• His immediate neighbours felt it their duty to call.他的近邻认为他们有责任去拜访。
• We declared ourselves for the immediate convocation of the meeting.我们主张立即召开这个会议。

20 touching   

adj.动人的，使人感伤的

参考例句：

• It was a touching sight.这是一幅动人的景象。
• His letter was touching.他的信很感人。

21 paramount   

a.最重要的，最高权力的

参考例句：

• My paramount object is to save the Union and destroy slavery.我的最高目标是拯救美国，摧毁奴隶制度。
• Nitrogen is of paramount importance to life on earth.氮对地球上的生命至关重要。

22 meditation   

n.熟虑，（尤指宗教的）默想，沉思，（pl.）冥想录

参考例句：

• This peaceful garden lends itself to meditation.这个恬静的花园适于冥想。
• I'm sorry to interrupt your meditation.很抱歉，我打断了你的沉思。

23 rabble   

n.乌合之众，暴民；下等人

参考例句：

• They formed an army out of rabble.他们用乌合之众组成一支军队。
• Poverty in itself does not make men into a rabble.贫困自身并不能使人成为贱民。

24 trifling   

adj.微不足道的；没什么价值的

参考例句：

• They quarreled over a trifling matter.他们为这种微不足道的事情争吵。
• So far Europe has no doubt, gained a real conveniency,though surely a very trifling one.直到现在为止,欧洲无疑地已经获得了实在的便利，不过那确是一种微不足道的便利。

25 embroidery   

n.绣花，刺绣；绣制品

参考例句：

• This exquisite embroidery won people's great admiration.这件精美的绣品，使人惊叹不已。
• This is Jane's first attempt at embroidery.这是简第一次试着绣花。

26 forth   

adv.向前；向外，往外

参考例句：

• The wind moved the trees gently back and forth.风吹得树轻轻地来回摇晃。
• He gave forth a series of works in rapid succession.他很快连续发表了一系列的作品。

27 pall   

v.覆盖，使平淡无味；n.柩衣，棺罩；棺材；帷幕

参考例句：

• Already the allure of meals in restaurants had begun to pall.饭店里的饭菜已经不像以前那样诱人。
• I find his books begin to pall on me after a while.我发觉他的书读过一阵子就开始对我失去吸引力。

28 embroideries   

刺绣( embroidery的名词复数 )； 刺绣品； 刺绣法

参考例句：

• Some of the embroideries are in bold, bright colours; others are quietly elegant. 刺绣品有的鲜艳，有的淡雅。
• These embroideries permitted Annabel and Midge to play their game in the luxury of peaceful consciences. 这样加以润饰，就使安娜博尔和米吉在做这个游戏时心安理得，毫无内疚。

29 ingenuity   

n.别出心裁；善于发明创造

参考例句：

• The boy showed ingenuity in making toys.那个小男孩做玩具很有创造力。
• I admire your ingenuity and perseverance.我钦佩你的别出心裁和毅力。

30 sneer   

v.轻蔑；嘲笑；n.嘲笑，讥讽的言语

参考例句：

• He said with a sneer.他的话中带有嘲笑之意。
• You may sneer,but a lot of people like this kind of music.你可以嗤之以鼻，但很多人喜欢这种音乐。

31 ego   

n.自我，自己，自尊

参考例句：

• He is absolute ego in all thing.在所有的事情上他都绝对自我。
• She has been on an ego trip since she sang on television.她上电视台唱过歌之后就一直自吹自擂。

32 livelihood   

n.生计，谋生之道

参考例句：

• Appropriate arrangements will be made for their work and livelihood.他们的工作和生活会得到妥善安排。
• My father gained a bare livelihood of family by his own hands.父亲靠自己的双手勉强维持家计。

33 impudence   

n.厚颜无耻；冒失；无礼

参考例句：

• His impudence provoked her into slapping his face.他的粗暴让她气愤地给了他一耳光。
• What knocks me is his impudence.他的厚颜无耻使我感到吃惊。

34 precipice   

n.悬崖，危急的处境

参考例句：

• The hut hung half over the edge of the precipice.那间小屋有一半悬在峭壁边上。
• A slight carelessness on this precipice could cost a man his life.在这悬崖上稍一疏忽就会使人丧生。

35 everlastingly   

永久地，持久地

参考例句：

• Why didn't he hold the Yankees instead of everlastingly retreating? 他为什么不将北军挡住，反而节节败退呢？
• "I'm tired of everlastingly being unnatural and never doing anything I want to do. "我再也忍受不了这样无休止地的勉强自己，永远不能赁自己高兴做事。

36 contrive   

vt.谋划，策划；设法做到；设计，想出

参考例句：

• Can you contrive to be here a little earlier?你能不能早一点来？
• How could you contrive to make such a mess of things?你怎么把事情弄得一团糟呢？

37 esteem   

n.尊敬，尊重；vt.尊重，敬重；把…看作

参考例句：

• I did not esteem him to be worthy of trust.我认为他不值得信赖。
• The veteran worker ranks high in public love and esteem.那位老工人深受大伙的爱戴。

38 snobs   

（谄上傲下的）势利小人( snob的名词复数 )； 自高自大者，自命不凡者

参考例句：

• She dislikes snobs intensely. 她极其厌恶势利小人。
• Most of the people who worshipped her, who read every tidbit about her in the gossip press and hung up pictures of her in their rooms, were not social snobs. 崇敬她大多数的人不会放过每一篇报导她的八卦新闻，甚至在他们的房间中悬挂黛妃的画像，这些人并非都是傲慢成性。

39 bankruptcy   

n.破产；无偿付能力

参考例句：

• You will have to pull in if you want to escape bankruptcy.如果你想避免破产，就必须节省开支。
• His firm is just on thin ice of bankruptcy.他的商号正面临破产的危险。

40 immortal   

adj.不朽的；永生的，不死的；神的

参考例句：

• The wild cocoa tree is effectively immortal.野生可可树实际上是不会死的。
• The heroes of the people are immortal!人民英雄永垂不朽！

41 automaton   

n.自动机器，机器人

参考例句：

• This is a fully functional automaton.这是一个有全自动功能的机器人。
• I get sick of being thought of as a political automaton.我讨厌被看作政治机器。

42 platitude   

n.老生常谈，陈词滥调

参考例句：

• The talk is no more than a platitude. 这番话无非是老生常谈。
• His speech is full of platitude. 他的讲话充满了陈词滥调。

43 aphorisms   

格言，警句( aphorism的名词复数 )

参考例句：

• He formulated trenchant aphorisms that caught their attention. 他阐述的鲜明格言引起了人们的注意。
• The aphorisms started following like water as all the old cliches got dusted off. 一些陈词滥调象尘土一样扬起，一些格言警句象洪水一样到处泛滥。

44 margin   

n.页边空白；差额；余地，余裕；边，边缘

参考例句：

• We allowed a margin of 20 minutes in catching the train.我们有20分钟的余地赶火车。
• The village is situated at the margin of a forest.村子位于森林的边缘。

45 lessen   

vt.减少，减轻；缩小

参考例句：

• Regular exercise can help to lessen the pain.经常运动有助于减轻痛感。
• They've made great effort to lessen the noise of planes.他们尽力减小飞机的噪音。