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The only person you are destined to become is the person you decide to be.

譯文：定要積德，一定要對人和氣慈悲，一定要替人包含一切，而且要愛惜自己的精神。

逆流而上。走另一條路。忽略傳統智慧。如果其他人都在用一種方式做事，你很有可能通過走完全相反的方向找到你的利基。

【釋義】誠信是自然萬物的規律，追求誠信是做人的道德準則。

Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.