Zinsinsi 52 zomanga chuma zomwe olemera sagawana, ndi malamulo 10 agolide omwe angasinthe momwe mumamvera pankhani yopeza ndalama.

1. Ngati n'kotheka, chonde lembani mlezi amene amamvetsetsa bwino...MoyoOlemera onse akumvetsa chinsinsi ichi.
2. Mukabwereka ndalama, pitani ku banki; ngongole ikakhala yayikulu, imakhala yotetezeka kwambiri.
3. Kupanga ubale ndi anthu amphamvu am'deralo ndiko kumapangitsa munthu kukhala "munthu wanzeru."
4. Kwa munthu wamba, chomwe amafunikira kuyang'anitsitsa pa moyo wake ndi golide: pamene mitengo ya golide ikutsika, chuma chikukula, zomwe zimapangitsa kuti nthawi yabwino yogulira ndalama ikhale yabwino; pamene mitengo ya golide ikukwera, chuma chili muvuto, ndipo kusamala n'kofunika.
5. Kuti muwongolere vutoli, muyenera kusankha anzanu ofooka kuposa inu.
6. Kuchita zinthu mwa kufunsa munthu wa mtundu wina nthawi zambiri kumakhala kothandiza kwambiri.
7. Kulumikizana ndi anthu ndi chuma; kulitsani gulu lanu la anthu ocheza nawo mwachangu ndikusonkhanitsa maubwenzi abwino, makamaka zinthu zomwe zingabweretse chuma.
8. Malo akamayenda bwino, zimakhala zosavuta kupeza ndalama, koma mpikisano umakhala wolimba kwambiri.
9. Musayambe bizinesi ndi mkazi wokongola.
10. Kukhala waluso pokumbukira anthu komanso kutha kuwatchula mayina awo pamsonkhano wachiwiri kumathandiza kupeza makasitomala okhulupirika mosavuta.
11. Simuyenera kugulitsa zinthu motchipa, koma muyenera kupangitsa makasitomala kumva ngati akupeza phindu lalikulu.
12. Kupeza ndalama kumadalira luntha, masomphenya, ndi mwayi.
13. Anthu okonda kwambiri ukadaulo ndi osauka; anthu amene amalimbikira kuchita zinthu bwino ndi opusa. Anthu odziwika bwino...MunthuKafukufukuyu sayang'ana kwambiri zochitika, koma anthu.
14. Anthu aumbombo ndi amphawi adzavutika kumanga bizinesi yaikulu.
15. Anthu odziwa bwino bizinesi amadziwa momwe angatsatire zomwe zikuchitika.
16. Khalani okonzeka kuyesa kulakwitsa. Mukakhala aang'ono, mtengo wolakwitsa umakhala wotsika, ndipo kugwa m'mavuto ndi gawo losapeŵeka la kukula.
17. Mbuye weniweni ndi amene amayang'ana kwambiri pa chinthu chimodzi chogulitsa ndipo amadzipereka ku mphamvu zake zazikulu.
18. Kutchuka kumabweretsa chuma; luso labwino lolankhulana ndi anthu ndi lofunika kwambiri kuti munthu apeze ndalama zambiri.
19. Palibe mphatso zaulere kapena chakudya chaulere.
20. Ngati mukufuna kupeza ndalama, muyenera kuyang'ana akazi, chifukwa amuna amapeza ndalama ndipo akazi amazigwiritsa ntchito.
21. Mungapeze ndalama zambiri pokhapokha mutalola ena kuti ayambe kupeza ndalama.
22. Ngati mukupeza ndalama ndi ntchito ya thupi, musakhale aulesi; ngati mukupeza ndalama ndi ubongo wanu, musamachite zinthu mosasamala; ngati mukupeza ndalama ndi ndalama, musawononge chikumbumtima chanu; ngati mukupeza ndalama ndi zinthu zina, musamade nkhawa kwambiri ndi kusunga nkhope yanu.
23. Kupereka mphatso kumatha kuthetsa mavuto 80%, pomwe kusapereka mphatso kungatanthauze kuti mavuto sadzathetsedwa.
24. Kusunga mphatso m'galimoto yanu kuli ndi ubwino wambiri.
25. Musalole kuti mukhale omasuka kwambiri musanapambane.
26. Kuti muchite bizinesi, muyenera kudziwa momwe mungalankhulire, momwe mungagwirire ntchito ndi anthu, komanso momwe mungapatsire mphatso.
27. Khungu lokhuthala ndi khalidwe labwino.
28. Kupambana kumafuna thandizo la mitundu isanu ya anthu: opereka chithandizo, alangizi, achibale, khama la munthu, ndi kuyang'aniridwa ndi adani.
29. Musanayambe bizinesi, yambani mwakonza ubale wanu; ngati sichoncho, musachite zinthu mwachangu.
30. Mabizinesi omwe ali ndi zopinga zochepa zolowera ndi ovuta kuyendetsa chifukwa pali opikisana nawo ambiri.
31. Anthu omwe sangasiye kudzikuza kwawo adalengezedwa kuti sadzapanga ndalama zambiri.
32. Anthu amene amanyoza ndalama zochepa amatha kuiwala zopeza ndalama zambiri.
33. Mungathe kukhala popanda chibwenzi, koma muyenera kumvetsetsa akazi; ngati simukumvetsa akazi, simukumvetsa chikhalidwe cha anthu, ndipo ngati simukumvetsa chikhalidwe cha anthu, simungapange ndalama. Makampani omwe akazi okongola ndi omwe amapanga phindu lalikulu.
34. Mu bizinesi, muyenera kuphunzira kuchepetsa ndalama zomwe mumapeza komanso osapereka ngongole.
35. Mukacheza ndi anthu abwino kwambiri, inunso mudzakhala abwino kwambiri.
36. Mawu abwino angakope theka la anthu, mphatso ingakope anthu opitilira 70%, mawu abwino kuphatikiza mphatso ingakope anthu opitilira 90%, ndipo kukwaniritsa zomwe amakonda kungakope anthu ambiri.
37. Kuti mupeze ndalama, muyenera kuchita zinthu ziwiri zokha tsiku lililonse: kukonzekera masana ndikuwunikanso usiku.
38. Samalani ndi masitolo omwe ali ndi lendi yotsika, chifukwa lendi yotsika nthawi zambiri imatanthauza kuti makasitomala ambiri samabwera.
39. Ndimachita zinthu zitatu zokha: kuchita masewera olimbitsa thupi, kupeza ndalama, ndi kuphunzira.
40. Mgwirizano umabweretsa chuma; pewani kupanga adani ngati palibe mkangano wa zofuna.
41. Ndalama zambiri zimapezeka m'zaka zitatu kapena zisanu; kaya muli nazo kapena mulibe.
42. Chinsinsi cha olemera omwe amapeza ndalama zambiri: Chitani zinthu zochepa, koma zinthu zofunika kwambiri zokha. Anthu omwe amakhala otanganidwa tsiku lililonse alibe nthawi yopezera ndalama zenizeni.
43. Iwo amene sangathe kupirira adzachotsedwa; iwo amene angathe kupirira adzaonekera bwino.
44. Kuti mupeze ndalama zambiri, mufunika kukhala ndi cholinga, chilakolako, ndi khama lochitapo kanthu.
45. Mabizinesi a m'banja ayenera kupewa mikangano ya mkati.
46. Phunzirani kugwiritsidwa ntchito ndi ena; anthu omwe ali ndi mphamvu amadziwa momwe angathandizire ena kuti asonkhanitse anthu ambiri pafupi nawo.
47. Anthu amene angathedi kusamalira chuma chambiri nthawi zambiri amakhala kutali ndi malingaliro; ngati sangathe kugonjetsa zopinga zamaganizo, adzavutika kupeza chuma ndi ulemu.
48. Anthu amene amaika miyoyo yawo pa ntchito yovuta tsiku lonse sadzalemera. Chuma ndi mphotho ya chidziwitso, osati mphotho ya khama.
49. Musakhale ndi dyera lofuna ndalama zomaliza mukamagulitsa.
50. Kuphunzira china chilichonse kupatula kupeza ndalama ndi kutaya nthawi.
51. Mwayi nthawi zonse umathandiza munthu wokonzeka, ndipo chuma sichithandiza munthu waulesi.
52. Mukamayika ndalama, ndikofunikira kusiyanitsa zoopsa zanu; musaike mazira anu onse mumtolo umodzi.

Kwa amene awona uthengawu, chonde siyani ndemanga: "Pambuyo pa zoipa zonse, zabwino kwambiri zidzabwera, mwayi udzabweranso."

Pomaliza: Malamulo Khumi Agolide

1. Kulumikizana ndi anthu ndi chuma; khalani ndi ubale wabwino kwambiri, makamaka womwe ungabweretse chuma.
2. Kupambana kumadalira nzeru, masomphenya, ndi mwayi; chitani zochepa ndikuyang'ana kwambiri zinthu zofunika kwambiri.
3. Mu bizinesi, muyenera kudziwa momwe mungalankhulire, momwe mungagwirire ntchito ndi anthu, komanso momwe mungapatsire mphatso. Kupereka mphatso kumatha kuthetsa mavuto 80%.
4. Dziwani mfundo zomwe mumachita bwino, yang'anani kwambiri pa kafukufuku wozama, ndipo kudzipereka ndiye chinsinsi cha kukhala katswiri.
5. Khalani okonzeka kuyesa kulakwitsa; kukumana ndi zovuta muubwana wanu ndi gawo losapeweka la kukula.
6. Mwayi nthawi zonse umakomera mtima wokonzeka, ndipo chuma sichikomera waulesi.
7. Mukamayika ndalama, ndikofunikira kusiyanitsa zoopsa osati kuyika mazira anu onse mumtolo umodzi.
8. Anthu olemera amadziwa momwe angathandizire ena, motero amakopa anthu ambiri.
9. Mu bizinesi, ndikofunikira kuyendetsa bwino ubale; mabizinesi omwe ali ndi zopinga zochepa zolowera ndi omwe amavuta kwambiri kupambana.
10. Anthu amene sangathe kugonjetsa zopinga zamaganizo adzavutika kupeza chuma ndi udindo; anthu amene ali ndi luso lotha kugwiritsa ntchito chuma chambiri nthawi zambiri amakhala ankhanza.