当你负债累累时，学习曾国藩的“人生六戒”可以帮助你走出困境：
When you are heavily in debt, learning Zeng Guofan’s “Six Commandments of Life” can help you overcome difficulties:
首先，要戒骄。负债累累时，我们可能会放弃自我控制，变得自大和骄傲。曾国藩告诫我们，不能过于自信，要保持谦虚、谨慎的态度。
Firstly, we must guard against arrogance. When we are heavily in debt, we may give up self-control and become arrogant and proud. Zeng Guofan warned us not to be overly confident and to maintain a humble and cautious attitude.
其次，要戒懒。债务需要通过工作收入来还清，因此不能放松努力，减少工作时间。曾国藩告诉我们，要有勤奋的工作习惯，去努力工作，赚钱还债。
Secondly, we should quit laziness. Debt needs to be paid off through work income, so we cannot relax our efforts and reduce working hours. Zeng Guofan told us to have a diligent work habit, work hard, earn money and repay debts.
第三，要戒欲。当我们的财务危机时，我们可能会放松自我控制，过度消费。曾国藩告诫我们，要收敛欲望，控制开支，避免借更多的债来消费，营造简朴的生活方式。
Thirdly, one should abstain from lust. When our finances are in crisis, we may relax our self-control and consume excessively. Zeng Guofan warned us to curb desires, control expenses, avoid borrowing more debt to consume, and create a simple lifestyle.
第四，要戒疑。负债累累时，我们经常比较焦虑和担忧。曾国藩建议我们坚持对自己和未来持乐观和自信的态度，不要过度担心并为情绪所困扰。
Fourthly, we should avoid suspicion. When we are heavily in debt, we often feel anxious and worried. Zeng Guofan suggested that we maintain an optimistic and confident attitude towards ourselves and the future, and not overly worry and be troubled by emotions.
第五，要戒嗔。曾国藩表示，常常忿怒、发脾气，会容易破坏人与人的关系，最终会影响财务状况。因此，我们应该控制自己的情绪，保持沉着冷静的态度。
Fifth, one should guard against anger. Zeng Guofan stated that frequent anger and tantrums can easily disrupt interpersonal relationships and ultimately affect financial conditions. Therefore, we should control our emotions and maintain a calm and composed attitude.
第六，要戒谗。当我们身处困境时，我们可能会抱怨，并责备别人造成的困难。这样的想法并不利于解决问题，曾国藩提醒我们要丢掉消极的想法，努力建立起积极的人生态度，以寻找应对困境的机会。
Sixth, we must abstain from slander. When we are in a difficult situation, we may complain and blame others for the difficulties they have caused. Such ideas are not conducive to solving problems. Zeng Guofan reminds us to discard negative thoughts and strive to establish a positive attitude towards life, in order to find opportunities to deal with difficulties.
以上就是曾国藩提倡的人生六戒，当我们遇到财务危机时，借鉴这些戒律可以帮助我们走出困境。
The above are the six commandments of life advocated by Zeng Guofan. When we encounter financial crises, borrowing these commandments can help us overcome difficulties.
