欠债不还，别想发财。
Don’t be rich until you pay your debts.
如果有欠债不还的行为，将会影响到个人的财务状况和未来的发展。
If you do not pay your debts, it will affect your financial situation and future development.
如果一个人不愿意还债，可能会面临各种后果，比如债主采取法律行动、被加入到信用黑名单、信用评级下降等等。
If a person is not willing to pay his debts, he may face various consequences, such as legal actions taken by the creditor, being added to the credit blacklist, and credit rating downgrade.
这些都将对个人的财务状况和未来的发展产生负面影响。
All of these will have a negative impact on personal financial status and future development.
此外，欠债不还也会影响到个人的信用记录和信誉。
In addition, non-payment of debts will also affect personal credit record and reputation.
信用记录是银行和金融机构用来评估一个人信用水平的重要指标。
Credit record is an important indicator used by banks and financial institutions to evaluate a person’s credit level.
如果一个人长期拖欠债务，他的信用记录将会受到很大的损害，这将会影响到他日后的借款和信用评级，使他在金融市场上难以获得信任和支持。
If a person defaults on debt for a long time, his credit record will be greatly damaged, which will affect his future borrowing and credit rating, making it difficult for him to gain trust and support in the financial market.
无论是出于道德、法律还是自身利益考虑，我们都应该尽可能避免欠债不还的行为，并及时还清债务，维护自己的信誉和财务状况。
Whether for moral, legal or self-interest reasons, we should try our best to avoid non-payment of debts, pay off debts in time, and maintain our reputation and financial situation.
