"Spend money like water, make money to catch ghosts. It is easy to spend money like running water, but difficult to make money like catching ghosts. Describe two states. It is easier to use money than to make money. This is because money is bought with blood and sweat, and material things are hard to come by. Material is money, and money is the proof of material. You exchanged your original certificate for the material. There must be a new source of material, which is hard to come by.
Make money like heaven, spend money like water, work hard, just enough to eat and wear. In order to lead a well-off life, I have accumulated day by day for several years, saving day and night, and finally got a happy day.