一个人的财富可以带来短暂的享受，但如果他没有德行，则会导致他自己和他人的不幸。
A person’s wealth can bring short-term enjoyment, but if they lack virtue, it can lead to misfortune for themselves and others.
没有德行的人会忽视道义和法律，不顾他人感受，只为了自己的利益而行事。
People without virtue will ignore morality and law, disregard the feelings of others, and only act for their own interests.
这种个人主义的行为会带来社会上的困扰和不公。
This individualistic behavior can bring social distress and injustice.
他们可能走向犯罪的道路，因为他们只在乎自己的利益，无视别人的权益。
They may go on the path of crime because they only care about their own interests and ignore the rights of others.
此外，他们经常偏袒自己，忽视其他人的需要，常常会因此损害他人的利益和精神健康。
In addition, they often favor themselves and ignore the needs of others, which often harms the interests and mental health of others.
因此，一个人最大的灾难是有财无德。
Therefore, the greatest disaster for a person is having wealth without virtue.
在生活中，我们需要不断提高自己的道德水平，只有这样我们才能对自己和社会做出有益的贡献，创造一个更公正、更和谐的社会。
In life, we need to constantly improve our moral standards, only in this way can we make beneficial contributions to ourselves and society, and create a more just and harmonious society.
