賺錢理財和工作 Money and work

《聖者做生意的方式》

 訪問者：我認識一位我相信是初果聖者的人，他是幾家公司的老闆。他們做生意的方式是什麼？因為賺錢就是從別人那裡獲利。

阿贊·布拉姆：是的，但大多數時候，你用這筆錢做什麼？你在成為初果聖者之前是一位成功的商人。成了之後你繼續做這個生意來幫助他人，這並不算壞。

甚至有關於戈提卡拉的故事，他是一位三果聖者，是上一尊佛迦葉佛的弟子。

他因為父母的緣故而沒有出家，而繼續是一名陶工。

他有責任照顧他們，因為沒有人能夠頂替他。正因如此，他繼續成為一名陶工。但他的生意很奇怪，他從不為賺錢而賣陶器，他只是把陶器留在工作台上。任何想要一件的人，可以留下些米或豆子，請隨意留下。這是以物易物，但又不是完全的以物易物。

這是你需要給出多少才能得到這個陶器；我捐給你，你再捐回給我。這就是成為三果聖者的人了。他這樣做只是因為他的父母是盲人。

訪問者：那麼初果聖者或二果聖者的做生意方式呢？

阿贊·布拉姆：也是沒有貪心。如果你負擔不起，就下週再支付米或錢。這與普通人的做生意方式完全不同；有著大量的信任，超乎尋常的信任。信任他們的顧客，如果今天不能付款，那就明天付款！

訪問者：所以他們賺錢的方式不是賺取，而是奉獻。

阿贊·布拉姆：對，奉獻，就像如果你的父母是貧窮的盲人；而你是他們的兒子，你有責任照顧他們，這就是你的做法！

cred. to 溫暖人間

《Noble Disciple’s way of doing business》

 Interviewer: I know someone who I believe to be a stream-winner , who is bosses of several companies doing business. What is the way of an ariya doing business? Because making money is earning money from others.

Ajahn Brahm: yes, but most of the time, is what you use that money for?

You were a good businessman before you become a stream-winner

You carry on doing that business to help others, that’s not so bad

Even the story of Ghaṭīkāra , a non-returner, the disciple of the previous buddha, Kassapa Buddha. And he said how he became a potter, he wouldn’t become a monk because of his parents. He had the duties to look after them, because no one does that. Because of that, he continues to become a craft. But his business is strange, he would never sell pottery for money, he would leave the pottery to the bench. Anyone wants one piece , anyone wants to leave some rice of beans , please leave them. It is bartery, but not bartery.

This is how much you have to give to get one of these pot; I donate to you, you donate it back to me. That is being a non-returner. He only did that because his parents are blind

Interviewer:How about the way of sotapanna or sakadagami of doing businesses?

Ajahn Brahm: It is also without greed. If you can’t afford it, pay the rice or money next week. Totally different from the way an ordinary people do business; with a lot of trust, uncommon amount of trust. Trust to their customers, if they cant pay today, then pay tomorrow!

Interviewer: so their way of earning money is not earning , but just dedicating

Ajahn Brahm: yea, dedicating, just a way like if your parents who are poor who are blind; and you are his son, you have a duty to look after them, that is how you do it!

If we cling to self, we become lazy.

We don’t want to work,

we don’t want to be selfless.

But learning, working—

they are forms of happiness.

Diligence and responsibility—

they bring happiness.

If we are not selfless, we cannot find joy.

But here, we experience joy through pure wisdom, through inner virtue.

若我們執著自我，便會變得懶惰。

不願工作，不願無私。

然而學習與工作——實為快樂的形式。

勤奮與責任——皆能帶來喜悅。

若無法無私，便尋不得真樂。

但在此處，我們透過清淨智慧與內在美德，

體證這份喜悅。

---Luang Por Ganha

 3 June 2025

有很多時候，我們不捨得用錢：不肯用在別人身上，連用在自己身上也不肯

我們會說，自己是‘慳家’，節儉。 有些人甚至覺得這是美德

美他的頭！這是吝嗇！

這種人被佛陀評為不善人，並說他們得到廣大的財富後，既不使自己快樂，也不使父母快樂、喜悅，不使、妻兒、奴僕、工人、傭人、朋友、同事快樂；也不用在出家人那裡確立導向天界、安樂果報的供養 （SN3.19）

這些人雖然有錢，但根本有福不能享！ 為什麼？ 過去世做布施後後悔了。這個惡業導致現在雖然有錢，但不捨得用！

事實上，佛陀教導，一位在家人在了知收入與開支後，應均衡地過活；既不奢侈，也不過度節儉 。（AN8.54）

如果我們已經窮了，但還過得像富豪一樣，那麼很快要睡街了。

但如果我們是富豪，但過得像乞丐一樣；這無疑是惡業在成熟了....

Many times, we are reluctant to spend money: unwilling to spend on others, and even reluctant to spend on ourselves.

We say we are "frugal" or "thrifty." Some even consider this a virtue.

virtue my foot ! This is stinginess!

The Buddha considers such people as unwholesome, saying that even after obtaining great wealth, they neither make themselves happy nor bring happiness and joy to their parents, spouses, children, servants, workers, employees, friends, or colleagues. They also do not offer support to monastics to establish the path leading to heavenly realms and blissful results. (SN3.19)

Although these people have money, they cannot truly enjoy their blessings! Why? Because they regretted their past-life acts of generosity! This unwholesome karma causes them to be wealthy now but unwilling to use it!

In fact, the Buddha teaches that a layperson, after knowing their income and expenses, should live a balanced life; neither extravagant nor excessively frugal. (AN8.54)

If we are already poor but live like a rich person, we will soon be sleeping on the street.

But if we are rich and live like a beggar, that is undoubtedly the fruition of bad karma...

《Luang ta maha bua comments on gambling》

"……Regarding this gambling issue, wow!

It’s really prominent in our Thailand.

Everywhere you turn, it's gambling. Gambling is very harmful.

There's no principle, no trust. 

Listen,

This is what the Buddha taught.

We lose wealth, and when we gain, it’s not stable or reliable.

We gain only to be lured into ambition,

and then we lose again.

Listen, he says no one can be trusted.

Those gamblers are not reliable at all.

Their minds are wandering; they become thugs,

evil within themselves.

Listen, both men and women are thugs within themselves.

You can’t even trust the owner; the money is in the pocket,

and they can grab it for gambling whenever they want—gone!

The owner can’t even trust themselves and steals from themselves.

They deposit money in banks, and robbers come to rob banks.

Have we ever heard of it? It happens rarely,

making noise all over the world, but we rob our own money in various places.

With banks, how much is lost? Quietly, these great robbers—

the owners rob from themselves.

And they’re thugs within themselves too.

They get used to their unreliable habits; they can’t even trust themselves.

Even within the same family, they can’t trust each other.

If someone is a gambling thug, those people cannot be trusted.

Just like parents and children, if any child likes to gamble,

the parents don’t trust them. See? They can’t be relied upon.

Is this a good thing? Why are we so crazy about gambling?

Oh, it’s really strange! It’s like

a wave of the ocean that can’t be resisted—

the wave of gambling in our Thailand.

This is a significant loss…"

---Luang ta maha bua

《Luang ta maha bua 評論關於賭博》

"……關於這個賭博問題，哇！

在我們泰國真的是非常突出。

無論你轉到哪裡，都是賭博。賭博是非常有害的。

沒有原則，沒有信任。

聽著，

這就是佛陀所教的。

我們失去財富，當我們獲得時，也不穩定或可靠。

我們獲得的只是為了被野心所引誘，

然後又再次失去。

聽著，他說沒有人可以信任。

那些賭徒根本不可靠。

他們的心思漂浮不定，變成了流氓，

內心充滿邪惡。

聽著，無論男女，內心都是流氓。

連擁有者也無法信任，錢在口袋裡，

他們隨時可以拿去賭博——沒了！

擁有者連自己也不信任，反而偷自己的錢。

他們把錢存入銀行，然後裝成強盜來搶銀行。

我們曾聽說過嗎？很少有這種情況，

在全世界引起轟動，但我們卻在不同的地方搶自己的錢。

在銀行裡，損失多少？靜靜的，這些大強盜——

擁有者自己搶自己的錢。

而且他們內心也是流氓。

他們習慣了不可靠的習慣；甚至連自己也不信任。

即使在同一家族裡，他們也無法互相信任。

如果有人是賭博流氓，那些人是無法信任的。

就像父母和孩子一樣，如果某個孩子喜歡賭博，

父母就不會信任他們。看到嗎？無法依賴。

這是好事嗎？為什麼我們對賭博如此瘋狂？

哦，真是奇怪！就像

無法抵擋的海洋波浪——

我們泰國的賭博浪潮。

這是一個重大的損失……"

---Luang ta maha bua

cred. to Ajahn Golf

The Buddha said in the "Discourse on Decline" that there are three major traps that can lead a person to ruin:

1.Women

2.Alcohol and drugs

3.Gambling

Be careful of being blinded by greed, anger, and ignorance, as a defiled mind is entirely irrational.

Of course, women will enjoy it when someone keeps giving them money.

But have we considered our own abilities and moderation?

These three things can easily cause our defilements to spiral out of control, ultimately leading to total destruction...

佛陀在《衰敗經》中說，有三大陷阱會讓人傾家蕩產的：

1.女人

2.酒和毒品

3.賭博

當心被貪嗔癡所蒙蔽，是絲毫沒有理智的

女人當然爽啦！有人不斷送錢給自己。

但我們有沒有考慮到自己的能力和適量？

這三樣東西非常容易會讓人的煩惱不受控地越滾越大，終至破滅........

image cred. to 星島頭條

🟠 財富需要劃分為四個部分 🟠

佛陀說，財富需要劃分為四個部分，即：

償還舊債，即父母和恩人，需要根據能力給予援助照顧。

成為新的債主，我們需要照顧兒女，對吧？

存好，在功德善業方面，去行善行。

丟下懸崖，即飲食。

這四個部分不可以平均分為四份，需要根據情況來分配。尤其需要關注的是“丟下懸崖”，這方面如果太少，會造成困擾，壓迫損害到自己，必須合理分配。

關於布施，佛陀說：如果壓迫損害到自己，是苦行，是在折磨自己。

此外，布施方面，佛陀讓我們也要觀察考慮，是應該給，還是不應該給。如果在惡人範圍內施予，功德會小，可能也沒有。

知道對方值得布施，我們就布施；如果不值得布施，我們就不布施。

布施後，他去喝酒，吸毒，對其他人造成危險的話，我們不施予更好。那是助長強盜，幫助小偷。

摘自 龍婆Lersi Lingdam，Wat Thasung

《佛法解脫》2524年版，第86-87頁

#听僧说

cred. to 听僧说

🟠 Wealth needs to be divided into four parts 🟠

The Buddha said that wealth should be divided into four parts, namely:

1. Repaying old debts, which refers to parents and benefactors; assistance and care should be given according to one’s ability.

2. Becoming a new creditor; we need to care for our children, right?

3. Saving well, which is to make merits and doing good.

4. throw to the cliff, which refers to food.

These four parts cannot be equally divided into four shares; they should be allocated according to the situation. Special attention needs to be given to "throw to the cliff," as having too little in this regard can cause distress and negatively impact oneself, so it must be allocated reasonably.

Regarding donations, the Buddha said: If it oppresses and harms oneself, it is asceticism and torturing oneself.

Additionally, in terms of donations, the Buddha advised us to observe and consider whether it is appropriate to give or not. If we donate within the realm of evildoers, the merit will be little or possibly nonexistent.

If we know the other party is worthy of donation, we should donate; if they are not worthy, we should refrain from donating.

If after donating, they go and drink alcohol, take drugs, or pose a danger to others, it is better not to donate. That would be aiding robbers and helping thieves.

Excerpt from Luang Por Lersi Lingdam, Wat Thasung
"Liberation through Dharma," 1981 Edition, Pages 86-87

《不用求！》

有許多人求這樣求那樣

其實根本不用求！

讓心變好就行了

讓說話變好就行了

讓行為變好就行了

為什麼這樣說？

---有些人求權力和地位。權力和地位從哪裡來？ 從別人那裡來的啊！ 別人要服從我們肯聽我們、認可我們、尊重我們；我們才有權力

我們的思想、說話、行為不好；誰服我們？誰尊重我們？

拜神有用嗎？旁門左道有用嗎？

---有些人求財富。財富從哪裡來？ 從別人那裡來的啊！

我們做生意的話，錢從客戶那裡來

我們做員工的話，錢從老闆那裡來

如果我們人品不好、不誠實、只是要客戶的錢、不是處處為他們著想；他們會肯給錢我們嗎？別人肯來和我們做生意嗎？

如果我們身為員工懶惰、沒責任感、不誠實、心不好、語言不好、行為不好；老闆還會讓我們留下來嗎？老闆會加我們薪金嗎？會有人聘請我們嗎？

這時拜神有用嗎？旁門左道有用嗎？

--有些人求姣好的容貌。

但常常皺眉頭有許多人求這樣求那樣

其實根本不用求！

讓心變好就行了

讓說話變好就行了

讓行為變好就行了

為什麼這樣說？

---有些人求權力和地位。權力和地位從哪裡來？ 從別人那裡來的啊！ 別人要服從我們肯聽我們、認可我們、尊重我們；我們才有權力

我們的思想、說話、行為不好；誰服我們？誰尊重我們？

拜神有用嗎？旁門左道有用嗎？

---有些人求財富。財富從哪裡來？ 從別人那裡來的啊！

我們做生意的話，錢從客戶那裡來

我們做員工的話，錢從老闆那裡來

如果我們人品不好、不誠實、只是要客戶的錢、不是處處為他們著想；他們會肯給錢我們嗎？別人肯來和我們做生意嗎？

如果我們身為員工懶惰、沒責任感、不誠實、心不好、語言不好、行為不好；老闆還會讓我們留下來嗎？老闆會加我們薪金嗎？會有人聘請我們嗎？

這時拜神有用嗎？旁門左道有用嗎？

--有些人求容貌，但常常發怒、常常皺眉頭、面容常常扭作一團，這樣漂亮嗎？

這時拜神有用嗎？旁門左道有用嗎？

心慈悲、清淨、快樂，就算不用去韓國整容，不用化妝；面色也會光亮明淨、容光煥發、異常吸引

---有些人求健康長壽

但常常許多負面情緒、許多煩惱

這樣是怕癌症注意不到我們嗎？

這時拜神有用嗎？旁門左道有用嗎？

假如心沒有煩惱，保持心境開朗；保證能活足令生業帶給我們的壽命

--有些人求聰明智慧

但心非常混亂骯髒，充斥煩惱

這時拜神有用嗎？旁門左道有用嗎？

一旦把自我去除，心立即具備正念、定力和智慧

就算不用求，聰明智慧也會來找我們

《No need to seek!》

Many people seek this and that,

but in fact, there’s no need to seek!

Just make your mind better.

Just improve your speech.

Just enhance your behavior.

Why do we say this?

--- Some people seek power and status. Where do power and status come from? They come from others! Others must obey us, listen to us, acknowledge us, and respect us; only then do we have power.

If our thoughts, speech, and actions are not good, who will obey us? Who will respect us?

Does praying to deities help? Do superstitions help?

--- Some people seek wealth. Where does wealth come from? It comes from others!

If we do business, money comes from customers.

If we are employees, money comes from our boss.

If our character is poor, dishonest, and we only want money from customers without considering their needs, will they be willing to give us money? Will others want to do business with us?

If we, as employees, are lazy, irresponsible, dishonest, with a bad heart, poor speech, and bad behavior, will our boss keep us? Will the boss raise our salary? Will anyone hire us?

At this time, does praying to deities help? Do superstitions help?

--- Some people seek beauty.

But if we often frown and harbor negative emotions, does that make them beautiful?

At this time, does praying to deities help? Do superstitions help?

A compassionate, pure, and happy heart will make our face shine, even without cosmetic surgery or makeup; the complexion will be radiant and exceptionally attractive.

--- Some people seek health and longevity,

but they are often filled with negative emotions and defilements.

Is this how to avoid cancer?

At this time, does praying to deities help? Do superstitions help?

If the heart is free of defilements and maintains a cheerful mindset, it ensures we can live out the lifespan that the Kamma original brings us.

--- Some people seek intelligence and wisdom,

but their hearts are very chaotic and dirty, filled with defilements.

At this time, does praying to deities help? Do superstitions help?

Once we remove the 'self', our hearts will immediately possess mindfulness, stillness, and wisdom.

Even without seeking, intelligence and wisdom will come to us. 

佛陀多次說明， 賭博是導致衰敗的原因之一 (ref. DN31& 衰敗經)

如果賭錢真的可以賺到錢， 就不會有人建賭場了😅photo credit. To   01娛樂

We do not need to rely on professions such as government officials, politicians, or monks. We must take these roles and serve selflessly, finding joy and happiness in our sacrifices, and fulfilling our duties completely.

Do not think like those who do not understand, believing that accepting any position is a burden and not wanting to take on responsibilities. If you want to sacrifice, do not retreat into the wilderness or live in isolation. We must understand and renew our intentions.

我們不需要依賴政府官員、政治家或僧侶這樣的職業。我們必須在擔任這些角色的同時無私奉獻，並在奉獻中找到快樂與喜悅，完全履行我們的職責。

不要像那些不理解的人那樣思考，認為接受任何職位是一種負擔，不想承擔責任。如果你想要奉獻，就不要退回到荒野或過著孤獨的生活。我們必須理解並重新調整我們的意圖。

---Luang Por Ganha

7-3-2025 

We must think carefully. Wealthy people suffer because they do not know contentment. Poor people are often focused on the self; they do not sacrifice, find no happiness in work or studying, and thus remain poor. The self brings suffering in both cases. Wealthy individuals suffer from a lack of contentment, while poor individuals suffer because they focus on the self.

我們必須仔細思考。富裕的人因為不知足而受到痛苦。窮人往往以自我為中心；他們不願意奉獻，無法在工作或學習中找到快樂，因此仍然貧困。自我在兩者之間都帶來痛苦。富人因缺乏知足而受苦，而窮人則因過度關注自我而受苦。

----Luang Por Ganha

7-3-2025 

《捨己地快樂工作帶來一切 Happily work without sense of self brings everything》

如果他們在工作中感到快樂，他們自然會富有。他們的身體健康，心靈也健康。他們會在工作中找到根植於智慧的快樂。

他們不會為了自己而工作。他們施捨是為了奉獻，而不是為了自我。

If they are happy in their work, they will already be prosperous. Their physical health will be good, and their mental health will be good. They will find joy in their work rooted in wisdom.

They will not work for themselves. They give to sacrifice, not for the self.

---Luang Por Ganha

7-3-2025 

《佛教的賺錢學》

標題說賺錢賺錢， 誒，其實是錯的（笑）

錢不是賺回來的，是別人給的

不對嗎？

錢是客戶給我們的

錢是老闆給我們的

如果想要吸來許多的財富，就要讓客服和老闆心甘情願地送錢給我們

怎樣可以讓他們心甘情願地送錢給我們呢？ 

就是為他們帶來快樂，滿足他們的需求，解決他們的問題

這些豈不是工作本來的目的嗎？

例如，護士和醫生存在是為了照顧和治療病人。

工程師、設計師、建築工人存在是為了為他人提供舒適的生活環境。

工作本來就是為了解決別人的問題，滿足別人的需求，為別人帶來快樂

所以一個正當的工作，本來就是一件善行

當我們真心想別人好，犧牲自己，幫助別人；我們將能獲得功德。功德是什麼？ 佛陀說那是快樂的同義詞！（AN7.62）

隆波間夏說：【當我們在工作中找到快樂時，

我們獲得一切——

物質、財富和智慧。】

是的，當我們的心越好，越善，越快樂；就代表我們在工作上越盡責，工作做得越好，越能為客戶和老闆帶來快樂。當他們快樂的時候，他們就能心甘情願地送錢給我們了。

心越好，越善良；吸到的財富就越多。不論我們的工作是什麼，應當抱著一個信念---我是來幫助大家的！ 不是為了從你們身上得到些什麼的！

這樣的用心反而能吸來最多的錢

佛陀曾說：懶惰、不工作是財富的障礙 （AN10.73) 如果我們沒有動力、懶於去幫人，解決別人的難題，為他們帶來快樂；那麼所種下的善業也就越少；所吸來的錢也越少

佛陀也說，如果想財富生起，智者應當守護戒(iti 76)。 即富有同理心，不傷害自己，不傷害別人。

為什麼會能夠吸引財富來？ 因為當我們有戒，不傷害自他，我們就能為別人帶來很大的安全感。如果做生意的，客戶也會自己湊過來啊！ 如果我們是下屬，上司也會器重我們，晉升我們，加我們薪金啊，因為我們信得過。，

而且一個有戒的人，一個善良的人代表什麼？他的正念強！ Ajahn Golf 曾說：【當這個正念很差、很弱的時候，人才會去作惡業，才會去行惡。】

當正念強的時候，代表什麼？ 代表這時心是清澈純潔的，我們可以清晰地知道自己的利益，別人的利益，兩者的利益 （AN1.45） 你開心時我又開心。這是聰明有智慧的表現。

一個聰明有智慧的人，將會知道什麼應該做，什麼不應該做；不會讓自己因為疏忽大意而損失金錢的。 因此佛陀說，有戒的人將能累積大量財富（AN5.213）

財富是從哪裡來？從布施的善業和善的條件而來的。是從‘善’ 而來的。

所以佛陀也說，如果誰人具備以下這四個條件，他很快就能獲得大量財富：

1. 居住適宜的地區。義註解釋為有僧團，佛教徒的地方。為什麼有關係？因為耳濡目染啊！當我們靠近善人的時候，我們也會變得善良有智慧。這將有利我們吸來財富.但假如我們沒有錢去搬家也不用擔心,因為現代網絡發達,透過 facebook, whatsapp , line, wechat 等等已經能夠做到耳濡目染的效果。下面第二點也一樣

2. 依止善人。不用懷疑，善人就是有智慧的人（MN129） 因為他們的心夠清，沒有煩惱的污染，所以能看清自己和別人的利益，只會利益自己和別人。我們和他們為友，自然能夠得到他們的點撥，從而得益。我們也因為對佛教徒和僧團好，向他們做布施,因而種下許多布施或其他的善業。導致將來富有

3. 確立正確的願求。 義註解釋就是例如之前沒有信心,就建立信心.簡而言之,就是決心發願成為一個具備各種美德的好人. 當我們一這樣發願,未來立刻變了. 因為當一個人心善,將能吸引一切美好的事物,就如經典所說:財富,名聲,快樂

4. 過去有作福.。如果過去有做福報,那麼便很容易有錢發達了. 但不用擔心,任何人只要做到上面三點，義註說就等於過去世有種過連接智慧的功德了，已經具備發財的條件了。

如果我們的人生有許多不善，基本上要發財是不可能的。有一次佛陀說，他自己也未見過那些劏魚的漁夫，屠夫，或者殺手以這樣的職業來謀生，能夠取得並享用大量的財富，富有到能買到各種交通工具，因為他們專以於殺生的惡行（AN6.18） 不善業永遠不能吸來許多好東西的。 佛陀繼續說，那些惡行只會為他帶來長久的不利和苦。

然後您可能會問，那些開賭場，做酒商的，有許多賺到盤滿缽滿哦，做到名成利就哦。 KK園那些做詐騙的一個億一天哦。

義註解釋說，誰人的心假如專注於不善，他不會有成就的。就算因此而得到的名聲或者好的東西，也是不長久的。

那些開賭場的人心很貪。不是來幫助大眾的，而是利用別人以小博大的大貪心來貪取別人的財富的。因為所有人可以贏的概率，他們調整到是極微小的。他們計算到他們一定會賺錢，我們一定會輸錢的。所以有人說‘長賭必輸’ 。佛陀也說，沉湎於賭博是破財之門（DN31）

例如隆波間夏就提到，前泰王過去就曾阻止那些賭場入侵泰國。 

賢明的統治者是不會歡迎他們的。有智慧的人也會譴責他們的。而且就如義註所說，賭博因為其本質不好，很容易會被政府打壓，因此它們的繁榮是不長久不穩定的。

有許多人也因為賭博而破產，家破人亡，甚至自殺；他們有時會怨恨賭商的。 賭商也因此不能心安理得、自信地過活，有時會後悔、不安樂。

也因為違背正法而想要撈取大量金錢，那個強大的貪欲也會讓他們內心混亂不安，其實是一種痛苦來的。所以如果他們只以賭場來維生，時時想起專注於這些不善業，是不會過於繁榮的。精神健康也不會好。那些開賭場的大富豪，其實也涉足多個領域的行業的，並沒有專注於賭博業。所以才能做大富豪。

而酒商也是同理。賢明的政府都知道酒並不是好東西，會引發許多社會和醫療問題，所以都會加以限制打擊，不會讓他們過於蓬勃。假如他們真的完全專注於酒業，時常思維怎樣把酒送到各地各人口中，那因為他們以大量惡業來作為職業，是不會賺得太多的。而且賺到錢同時，也很容易得到不同的災禍，讓自己的身心不寧（AN5.148）

詐騙呢？一天一個億哦！ 真正下手去詐騙的，其實是每天工作十幾個小時的詐騙犯，正正是因為他們無時無刻專注於欺騙的不善業；所以他們自然不能夠獲取太多的金錢。 他們只是兵仔來而已！他們只是被壓榨的員工或者被拐回來的受害者而已！ 真正賺錢的是詐騙集團的老闆。但誰人想要被騙呢？ 每個被騙的人一定都非常生氣和傷心，找途徑來申訴舉報；智者會譴責他們，政府也會大力打擊他們，追捕他們。 

他們是不能夠光明正大地過活的。連買什麼都被限制，恐怕被執法人員追踪到。所以其實他們賺來的錢不真的可以充分用到，也不能享有社會的地位和名譽。

也因為心裡極之貪婪，貪到違背法紀的事情也做得出，所以心只會一直混亂和沉重不安寧。自己惶恐度日，擔驚受怕。當看到有關詐騙的新聞，也心慌意亂，不知道是否在說自己。這也是很大的痛苦來的

他們賺到的錢，同時也很可能連帶會為他們帶來身心的災禍和不安寧（AN5.148）

任何以惡業為生的人，都在種下惡道和痛苦之因。自己未來也肯定會後悔

因此，任何來的讓人心安理得的財富，一定是從善而來的

任何大財富，也一定從大善而來的。

最能生起最多善心的，是受薪的人。只管付出行善，幫助別人；都不用怎樣想起錢，到月尾錢自己就會來

比較次一等的是自己做老闆做生意。因為有時不免會生起想要獲得利潤的想法，有時會滲雜貪進去，讓自己內心不安。

但如果我們以善心來做生意，則不會把這份利潤拉向自心，而是想著把這份利潤利益身邊的人，社會，國家，出家人，貧苦大眾。 當不執著地做生意，也可以做得很正直。我們的商品是為了給客戶帶來快樂和用處。價錢合理，不會定到一個超過其實的價錢來敲詐別人。當商品具素質，價錢公道；自然能夠得到大眾的垂青和讚譽；也不會受到社會抨擊和輿論的指責.  例如隆波帕默派系的阿姜巴山, 據說也已見法,但他也是幾家公司的老闆來的

錢不是賺回來的，是別人心甘情願地給我們的。

如果以善心來過活，不貪求財富；那麼反而能得到最多的財富，也能得到名聲，地位，快樂，心靈健康，和一切美好的事物。

"The Buddhist Principles of Earning Money"

The title says "earning money," but actually, it's wrong (laugh). Money is not earned; it is given by others.

Isn't that correct?

Money is given by our clients.

Money is given by our bosses.

If we want to attract a lot of wealth, we need to make customers and bosses willingly give us money.

How can we make them willingly give us money? By bringing them joy, fulfilling their needs, and solving their problems.

Isn't that the original purpose of work?

For example, nurses and doctors exist to care for and treat patients.

Engineers, designers, and construction workers exist to provide comfortable living environments for others. Work is fundamentally about solving others' problems, fulfilling their needs, and bringing them happiness.

Therefore, a legitimate job is inherently a good deed. When we genuinely care for others, sacrifice ourselves, and help others, we accumulate merit. What is merit? The Buddha said it is synonymous with happiness! (AN7.62)

Luang Por Ganha said: "When we find happiness in our work, we gain everything—material wealth, prosperity, and wisdom."

Yes, the better, kinder, and happier our hearts are, the more responsible we are in our work, the better we perform, and the more happiness we bring to our clients and bosses. When they are happy, they will willingly give us money.

The kinder and better we are, the more wealth we attract. Regardless of our jobs, we should hold on to the belief: "I am here to help everyone! not to get something from them!" Such genuine intention can actually attract the most money.

The Buddha once said that laziness and not working are barriers to wealth (AN10.73). If we lack motivation and are reluctant to help others, solve their problems, and bring them happiness, then the good deeds we plant will diminish, and the money we attract will also decrease.

The Buddha also said that if one wishes for wealth to arise, the wise should uphold precepts (iti 76). This means being empathetic, not harming oneself, and not harming others. Why can we attract wealth? Because when we uphold precepts and do not harm ourselves or others, we can bring great security to others. If we are in business, clients will naturally come to us! If we are subordinates, our superiors will value us, promote us, and increase our salaries because we are trustworthy.

Moreover, what does it mean to be a person who upholds precepts and is kind? It means they have strong mindfulness! Ajahn Golf once said: "When mindfulness is weak, people tend to commit unwholesome deeds." When mindfulness is strong, what does that represent? It means the heart is clear and pure, allowing us to clearly know our interests, others' interests, and the interests of both (AN1.45). Then they are happy, and we are happy too. This is the manifestation of wisdom.

A wise person will know what should and should not be done; they will not suffer financial losses due to negligence. Hence, the Buddha said that those who uphold precepts can accumulate vast wealth (AN5.213).

Where does wealth come from? It comes from the wholesome deeds of generosity and wholesome conditions. It arises from "goodness." Therefore, the Buddha also said that if someone possesses the following four conditions, they will quickly gain substantial wealth:

1.Living in a suitable area, which is interpreted in commentary as being in a place with a monastic community and Buddhists. Why is this relevant? Because of the influence! When we are close to good people, we become kind and wise ourselves. This will benefit our wealth attraction. If we cannot afford to move, do not worry; because of the modern network, through platforms like Facebook, WhatsApp, Line, WeChat, etc., we can still achieve the same effect of influence.

2.Relying on good people. Without doubt, good people are wise people (MN129). Their hearts are clear and untainted by defilements, allowing them to see the interests of themselves and others and benefit both. By befriending them, we naturally gain their insights and thus benefit. By being good to Buddhists and the monastic community and making offerings to them, we plant many meritorious seeds of generosity or other good deeds, leading to future prosperity.

3. Establishing correct aspirations. This is interpreted as in commentary, for example, previously lacking confidence and then now  build confidence. In short, it is the determination to become a good person with various virtues. When we make such aspirations, the future changes immediately. Because when a person's heart is good, they can attract all good things, as the scriptures say: wealth, fame, happiness.

4.Having done good in the past. If one has accumulated good karma in the past, it will be easier to become wealthy. But do not worry; anyone who can fulfill the above three points has essentially cultivated the good kamma connected with wisdom in past lives, which makes us fulfil point 1-3.

If our lives are filled with unwholesomeness, it is essentially impossible to become wealthy. Once, the Buddha said that he had never seen fishmongers, butchers, or killers making a living from such professions accumulate and enjoy vast wealth, rich enough to buy various means of transportation, because they focus on engaging in the evil act of killing (AN6.18). Unwholesome deeds will never attract many good things. The Buddha continued to say that such evil deeds will only bring long-lasting disadvantages and suffering.

You might then ask, what about those who run casinos or liquor businesses, who seem to make a lot of money? There are scammers making a fortune daily.

It is explained in commentary that if someone's heart is focused on unwholesomeness, they will not achieve success. Even if they gain fame or good things from it, it will not be lasting.

Those running casinos are very greedy. They are not here to help the public but are exploiting others with a greedy mindset to gain wealth. Because the odds of everyone winning are adjusted to be extremely minimal. They calculate that they will certainly make money while we will certainly lose. Hence, some say, "Long gambling always leads to loss." The Buddha also said that indulging in gambling is a gateway to financial ruin (DN31). For example, Luang Por Ganha mentioned that the former Thai king had previously stopped casinos from invading Thailand.

Wise rulers do not welcome them. Wise people also condemn them. And as it is explained, gambling, due to its inherent nature, is easily suppressed by the government; therefore, its prosperity is not lasting or stable.

Many people go bankrupt due to gambling, lose their families, and even commit suicide; they may sometimes resent the casino bosses.

Casino bosses cannot live comfortably and confidently, and sometimes they regret it and feel uneasy.

Because they seek to gain large sums of money through illegal means, that powerful greed will leave them feeling chaotic and uneasy, which is indeed a form of suffering.

Therefore, if they rely solely on casinos for a living and constantly think about engaging in such unwholesome deeds, they will not achieve much prosperity. Their mental health will also suffer. Those wealthy casino bosses are actually involved in multiple industries and do not focus solely on gambling; that is why they can become billionaires.

The same applies to liquor merchants. Wise governments know that alcohol is not a good thing; it can cause many social and medical problems, so they will impose restrictions and crack down on it, preventing it from thriving too much. If they were to focus entirely on the liquor industry, constantly thinking about how to get alcohol into people's hands, they would not make much money, and at the same time, they would easily encounter various disasters that disturb their bodies and minds (AN5.148).

What about scammers? Making a hundred million a day! Those who truly engage in scamming are often working long hours, precisely because they focus incessantly on the unwholesome act of deception; thus, they cannot accumulate much money. They are merely pawns! They are just exploited employees or victims who have been lured in! The real money is made by the bosses of the scam organizations. But who wants to be scammed? Everyone who has been scammed is certainly very angry and sad, looking for ways to report it; wise people will condemn them, and the government will vigorously crack down on them and pursue them.

They cannot live openly. They are restricted even in their purchases, fearing being tracked by law enforcement. Therefore, the money they earn cannot be fully utilized, nor can they enjoy social status and reputation.

Moreover, because of their extreme greed, they engage in illegal activities, which leads to their chaotic and heavy heart. They live in fear and anxiety. When they see news about scams, they often panic, unsure if it is about them. This is a significant suffering.

The money they earn is also likely to bring them physical and mental disasters and unrest (AN5.148).

Anyone who makes a living from evil deeds is planting the seeds for suffering and lower realms. They will certainly regret it in the future.

Therefore, any wealth that brings peace of mind must come from goodness. Any great wealth must arise from great goodness.

The people most capable of generating good hearts are wage earners. They simply focus on doing good and helping others; they don’t have to think much about money, and by the end of the month, the money will come.

Next in line are those who run their own businesses. Because sometimes, there's an unavoidable desire for profit, which may lead to some greed, causing inner unrest.

However, if we run our businesses with a good heart, we won't draw the profit towards our mind, but think of how to benefit those around us, society, the country, monks, and the impoverished. When we do business without attachment, we can then conduct ourselves with integrity. Our products are meant to bring joy and utility to customers. The prices are reasonable and not exorbitant. When our products are quality and the prices fair, we naturally gain the public's favor and praise, avoiding social criticism and condemnation. For instance, Ajahn Prasan, great disciple of Luang Por Pramote, who is said to have seen the Dharma, is also a businessman with several companies.

Money is not earned; it is willingly given to us by others.

If we live with a good heart and do not crave for wealth, we can instead accumulate the most wealth, along with reputation, status, happiness, mental health, and all good things. 

<<誰是這世上最重要的人？>>

誰是這世上最重要的人？

女朋友？ 男朋友？ 老公？ 老婆？ 爸爸？媽媽？

都不是

Ajahn Brahm 說， 那是您眼前的人

您眼前的人是最重要的人

Ajahn Brahm 問我們 ，

“您是否給您面前的人完全的注意？ 您有沒有看著您面前的人的眼睛？

意識到他們作為什麼？ --一個在和您講他們覺得重要的事情的人類。

您是否在微笑?

您怎樣和其他人類溝通?”

Ajahn Brahm 也以身作則。 當和信徒有著單獨的禪修問題互動環節時， 他會完全專注於信徒。

假如面前的是 Betty, Ajahn Brahm 便會進入 “Betty 禪” ， 完全專注於Betty

假如面前的是 Jarold, Ajahn Brahm 便會進入 “Jarold 禪”， 完全專注於Jarold

假如面前的是 Tera, Ajahn Brahm 便會進入 “Tera 禪”， 完全專注於Tera

Ajahn Brahm 總是會把尊重放到眼前的每一個人， 重視他們， 讓他們覺得重要。

當別人說話的時候， 我們分心去另一個人那裡。 別人便會覺得我們不尊重他。

當別人說話的時候， 我們分心去做另一些事情。 別人也會覺得我們不尊重他。

當我們不尊重別人的時候， 別人也不會尊重我們。

當我們造下不尊重業， 未來世再來做人的時候， 我們也不會受人的尊敬、尊重。

根據佛陀的教導，假如有些人不恭敬、(心不在焉、沒有把“重量” 放到別人身上) 來佈施的話， 當果報成熟時， 妻子、兒女、隨從都不會聽他的(AN5.148) 。 別人也不會把“重量” 放到我們身上， 我們便會感到不被尊重而難受

除了阿羅漢、獨覺佛、佛陀以外，每個人都有“自我”。 這個“自我” 是什麼？ 就是“我慢” ， 就是想要變得重要， 或者覺得自己很重要。

當我們學 Ajahn Brahm 那樣， 把眼前的人當成了自己的全世界， 別人肯定會感到高興的。

就如男朋友對女朋友說：“寶貝， 您是我全世界”

女朋友立即感到窩心溫暖。

做服務性行業， 這是非常重要的原則。 當我們讓顧客感到重要， 顧客便會對我們欲罷不能了。

所以常常有企業邀請 Ajahn Brahm 去做分享，讓這個核心牢固在每一位員工的心中。

噢，朋友們。要賺得財富，必定要努力工作。佛陀在AN10.73中其實有說到，‘懶惰、不工作是財富的障礙’

聖經中《創世記 3:19》也說：‘你必汗流滿面，才有飯吃，直到你歸回地土，因為你是從地土取出來的；你既然是塵土，就要歸回塵土’

看！連天主教基督教也是這樣教導的～作為在家人，要有飯吃，就要努力工作，不是呆呆地在家中錢就會掉下來。

不過如果只是為了錢去工作，那是很少快樂，很多苦，很多憂愁的。

首先，為了金錢，我們就要去辛勞地工作

當努力工作後卻得不到理想的財富，就會傷心難過

也會時時想著怎樣守護資產而感到憂慮、苦惱

當自己的資產被拿走、毀壞也會難過（ Ref MN13, MN14）

所以錢是貪不得的，一貪就會帶來許多痛苦。

但假如我們工作只是為了幫助別人，那反而能從中帶來快樂。當我們工作做得好，真的懷著善良盡責的心去助人，錢反而會自己來找我們。不用渴求錢也會自己來。

聖經這句‘你是從地土取出來的；你既然是塵土，就要歸回塵土’ 也是很有意思的

我們的身體是從哪裡來？噢，從父母的精卵來的。 如果根據佛教的分法，那就是地水火風四大元素。加上空間和心--這個覺知，就即加上空元素和識元素。

因此不要覺得這個身體是我們的。它只是大自然元素而已。當我們死後，身體就還回給大自然。

而這個不死的識元素如流水般延續一下去，和新的身體--四大元素組合而形成新的生命。

哦～這個識元素是‘我’和‘我的’嗎？ 也不是。從來沒有人能夠控制讓它能滅去，生起在哪裡。如果能夠選擇，我們也會讓現在這個覺知生起在大富豪之妻的子宮裡了，對嗎？然後整輩子不用工作也行，對嗎～

一切都只是大自然元素的運轉而已。

Oh, friends. To earn wealth, one must work hard. Buddha mentioned in AN10.73 that "laziness and not working are obstacles to wealth."

The Bible in Genesis 3:19 also says: “By the sweat of your brow you will eat your food until you return to the ground, since from it you were taken; for dust you are and to dust you will return.”

See! Even Catholicism and Christianity teach this—if you want to have food as a householder, you must work hard; money won’t just fall from the sky while you sit idly at home.

However, if you work only for money, there’s little happiness and much suffering and worry. First, for the sake of money, we toil away. When we work hard but fail to achieve the wealth we desire, we feel sad and disheartened. We also constantly worry about how to protect our assets, which brings distress and anxiety. If our assets are taken or destroyed, it brings sadness as well (Ref MN13, MN14).

So, wealth is not something to be greedily pursued; greed brings much suffering. But if we work merely to help others, we can find joy in that. When we do our work well, genuinely with kindness and responsibility to assist others, money will come to us naturally. We don’t need to crave it; it will come on its own.

The Bible’s statement, “you are taken from the ground; for dust you are and to dust you will return,” is also very interesting.

Where does our body come from? Oh, from our parents' sperm and egg. According to Buddhist classification, it consists of the four great elements: earth, water, fire, and wind, plus space and consciousness—this awareness, which includes as the elements of space and consciousness.

Therefore, don’t think of this body as ours. It is merely made up of natural elements. When we die, the body returns to nature.

And this immortal consciousness continues like flowing water, combining with a new body formed by the four great elements to create a new life.

Oh, is this consciousness the 'self' and 'mine'? It is not. No one can control when it ceases or arises. If we could choose, wouldn’t we want this awareness to arise in the womb of a wealthy person, right? Then we could live a life without having to work, right?

Everything is just the movement and combination of natural elements.

《佛陀教你發大達！》

想發大達嗎？知道發達的因嗎？

我想很多人都知道，要富有，必須佈施。但光是佈施真的可以發財嗎？沒有那麽簡單，要促成一個結果，除了有一個主因之外，其實還牽涉許多助緣的！以下這些正正就截取了佛經裏，有關發財、用錢的一些條件和注意事項。 在這裏分享給大家。建議保存這篇文章，用心實踐者將會獲益無窮！！

1.懶惰、不工作是財富的障礙 （AN10.73)

2.比丘們！熱望著這三種快樂的賢智者應該守護戒，哪三種呢？

.....

『願我的財富生起！』，賢智應該守護戒、  (iti 76)

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3. 發大財的助緣：

佛陀說：

“比丘們，有這四輪。天眾和人眾具有這四輪，不久便會得到大量財富。什麼是四輪呢？

a.）居住適宜的地區， 

（注釋書：有四眾的地方，在家男女佛教居士、僧尼所在的地方）

b.）有善人支持，

（注釋書：依止有智慧的善人，而不是指國王）

c.）自己具有適當的願欲，

（注釋書：例如之前沒有信心，那個放棄之後開始建立信心）

d.）過往有作福。

“比丘們，有這四輪。天眾和人眾具有這四輪，不久便會得到大量財富。

居住在適當的區域，有聖者

成就適當的願欲，過往有作福的人

穀物、財富、名譽、名聲—他們和快樂一起發生  (AN4.31)

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4.選對工作：

佛陀說：“比丘們，十分好。比丘們，我也是一樣，從沒見過或聽過，漁夫把捕獲的魚逐條逐條劏開來賣，以這樣的業來謀生活命，能賺得大量財富與享用財富，賺得騎象代步、騎馬代步、馬車代步或其他車輛代步的。這是什麼原因呢？比丘們，漁夫專意於屠殺魚的惡行，因此是不能賺得大量財富與享用財富，不能賺得騎象代步、騎馬代步、馬車代步或其他車輛代步的。 （AN6.18)

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5.

【六種破財之門】

不近哪六種破財之門呢？家主子，

1.沉湎於放逸之因的諸酒類是破財之門，

2.沉湎於不當時段遊逛街巷是破財之門，

3.出入娛樂場所是破財之門，

4.沉湎於放逸之因的賭博是破財之門，

5.結交惡友是破財之門，

6.懶惰成性是破財之門。

(DN31)

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6.

【怎樣才堪作居家士？】

智者戒成就，如火發光閃耀

積集財富，如黃蜂服務的表現

纍積財富下去，就如曡高蟻丘那樣

如是積集財富，勝任家族的在家人

(DN31)

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7.

【怎樣用錢？】

分財為四份，他的確能聯結朋友

一份財富享用，兩份從事工作

第四份儲蓄—因爲存在意外

(DN31)

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8.《四個財富的缺口》

’虎路！已得到的財物，有這樣的四個敗散口：沈溺於女人，沈溺於酒，沈溺於賭，惡友。  （AN8.54)

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9.在家人今生得益的因素

a. 勤奮具足: 不論以哪種技能謀生，他都熟練、不怠惰，能夠觀察適當的方法，有適當的行動和安排

b.守護具足: 預防財產被政府、盜賊、天災人禍、不理想的繼承者等而遭遇損失

c.善友誼:虎路！善男子結交德行成熟的人，即具備信，佈施，戒徳，和智慧，然後學習他們的美德

d.均衡生活: 收支平衡

（AN8.54)

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10. ： AN3.20 店主經第二  Dutiyapāpaṇikasuttaṃ 摘要

-佛陀說，一個具備三種條件的店主不久就會賺大錢

1. 有眼

a. 知道貨物的買入賣出，本金和利潤

2. 對於所肩負的責任有智慧地精進vidhuro

a. 善巧於買賣

b. 義注說，在易取得處買入，在難取得處賣出

3. 具足支持

a. 富有的屋主知道他有1-2的特質、能夠養妻活兒，而且時常能回饋anuppadātuṃ他們

i. 義注說anuppadātuṃ=拿了本金之後能時時增長回饋

b. 於是集合財富（投資他）

-同樣地，一個比丘有三個條件後不久就會有巨大的善法

1. 有眼

a. 知道四聖諦

2. 對於所肩負的責任有智慧地精進vidhuro

a. 對去惡修善的努力、不放下負擔

3. 具足支持

a. 經常去多聞者，精通三藏者那裏排解疑惑

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11.  ‘以持戒者的清淨狀態，他的這心願將會成功，如法者必將獲得如法之果’ （SN41.10)

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12.

佛陀說，具戒、持戒的人有五種利益。是哪五種呢？

1.具戒、持戒的人因為不放逸，會得到大量財富。這是他的第一種利益。

2.再者，具戒、持戒的人會帶來好名聲。這是他的第二種利益。

3.具戒、持戒的人無論去到任何大眾之中，都會有自信、感到心安。這是他的第三種利益。

4.具戒、持戒的人在臨終時內心不會昏亂。這是他的第四種利益。

5.具戒、持戒的人在身壞命終之後，會投生在善趣、天界之中。這是他的第五種利益。

　　“比丘們，具戒、持戒的人有這五種利益。”