1758年出版的小書，再版400 次，翻譯成幾乎每一種文字，當中的道理格言，至今仍然受用！
這本書吸引我的，不是富籣克林，而是<窮理查年鑑> (Poor Richard’s Almanack)。作者Benjamin Franklin，班傑明•富籣克林，是美國十八世紀的著名企事家，亦是美國開國元老之一。十七歲的時候，富籣克林出版了<窮理查年鑑> ，一紙風行，奠完他之後的事業成就。在1732年1758年，<窮理查年鑑> 是每年出版一次，內容包羅萬有，包抱日暦、天氣、詩歌、天文地理、甚至數學，可以說是一本小百科全書。當中的智慧格言教人處世之道、理財哲理、生活態度，讓人畢生受用。聽說奧巴馬丶巴菲特和羅傑斯都推薦窮理查的哲學。
<The way to wealth> 是富籣克林在1758年，把<窮理查年鑑>中的格言收錄成書， 以窮理查現身說出。
以下是幾則有趣易明的格言:
Lost time is never found again.
Early to bed and early to rise, makes a man healthy, wealthy, and wise.
There is no gain without pains.
One today is worth tow tomorrows.
Employ the time well.
A life of leisure and a life of laziness are two different things.
Keep your shop and your shop will keep you.
Beware of little expense; A small leak will sink a great ship.
Buy what you do not need, and soon you will sell your necessities.
If you want to know the value of money, go and try to borrow some.
It is hard for an empty bag to stand upright.
Creditors have better memories than debtors.
Experience keeps an expensive school, but fools will learn in no other.
