Capitals are increased by parsimony, and diminished by prodigality and misconduct. By what a frugal man annually saves he not only affords maintenance to an additional number of productive hands...but...he establishes as it were a perpetual fund for the maintenance of an equal number in all times to come.

资本因节俭而增加，因挥霍和不当行为而减少。一个节俭的人每年节省下来的钱，不仅能养活更多有生产力的人，而且……他把它当作一项永久的基金，以便在今后的任何时候保持人数相等。