Izimfihlo ezingama-52 zokwakha ingcebo ezingahlanganyelwa ngabacebile, kanye nemithetho eyi-10 yegolide ezoshintsha ukuqonda kwakho ukwenza imali.

1. Uma kungenzeka, sicela uqashe umnakekeli oqonda ngempela...ImpiloBonke abacebile bayayiqonda le mfihlo.
2. Uma uboleka imali, iya ebhange; uma imali mboleko inkulu, kulapho iphephile khona.
3. Ukuxhumana nabantu abanamandla bendawo yikho okwenza umuntu abe "ngumuntu ohlakaniphile."
4. Kumuntu ovamile, konke abakudingayo ukukuqaphela empilweni yabo yigolide: lapho amanani egolide ehla, umnotho uyachuma, okwenza kube yisikhathi esihle sokutshala imali; lapho amanani egolide enyuka, umnotho usekuwohlokeni komnotho, futhi kuyalulekwa ukuthi uqaphele.
5. Ukuze ulawule isimo, kufanele ukhethe abalingani ababuthakathaka kunawe.
6. Ukwenza izinto ngokucela othile wobulili obuhlukile kuvame ukusebenza kahle kakhulu.
7. Ukuxhumana nabantu kuyingcebo; yandisa umphakathi wakho ngenkuthalo futhi uqoqe ubudlelwano obusezingeni eliphezulu, ikakhulukazi izinsiza ezingaletha ingcebo.
8. Uma indawo ichuma kakhulu, kuba lula ukwenza imali, kodwa nokuncintisana kukhulu kakhulu.
9. Ungalokothi ungene ebhizinisini nowesifazane omuhle.
10. Ukuba nekhono lokukhumbula abantu nokukwazi ukubabiza ngamagama emhlanganweni wesibili kwenza kube lula ukuthola amakhasimende athembekile.
11. Akudingeki uthengise izinto ngentengo ephansi, kodwa kufanele wenze amakhasimende azizwe sengathi athola idili elihle.
12. Ukwenza imali kuncike ekuhlakanipheni, embonweni, kanye nethuba.
13. Labo abathanda ubuchwepheshe bangabantu abampofu; labo abaphikelela ekwenzeni izinto kahle bayiziwula. Iziqumama zangempela...uhlamvuUcwaningo alugxili ezenzakalweni, kodwa kubantu.
14. Abantu abanesibindi nabangenaluzwela bazokuthola kunzima ukwakha ibhizinisi elikhulu.
15. Abantu abanolwazi lwebhizinisi bayazi ukuthi bangahamba kanjani nokugeleza.
16. Zimisele ukuzama ukwenza amaphutha. Uma usemusha, izindleko zokwenza amaphutha ziphansi, futhi ukuwela ezingibeni kuyinto engenakugwenywa lapho ukhula.
17. Inkosi yangempela yilowo ogxila endaweni eyodwa yokuthengisa futhi azinikezele emandleni ayo ayinhloko.
18. Ukuthandwa kunquma ingcebo; amakhono amahle okuxhumana nabantu abalulekile ekwenzeni imali eningi.
19. Azikho izipho zamahhala noma ukudla kwamahhala.
20. Uma ufuna ukwenza imali, udinga ukuqondisa abesifazane, ngoba amadoda enza imali kanti abesifazane bayayisebenzisa.
21. Ungazuza okuningi kuphela uma uvumela abanye benze imali kuqala.
22. Uma wenza imali ngomsebenzi onzima, ungabi yisivila; uma wenza imali ngengqondo yakho, ungabi budedengu; uma wenza imali ngemali, ungalimazi unembeza wakho; uma wenza imali ngezinsiza, ungakhathazeki kakhulu ngokulondoloza ubuso.
23. Ukunikeza izipho kungaxazulula izinkinga ezingama-80%, kanti ukunganikeli izipho kungasho ukuthi izinkinga azisoze zaxazululwa.
24. Ukugcina izipho emotweni yakho kunezinzuzo eziningi.
25. Ungazivumeli uzizwe ukhululekile kakhulu ngaphambi kokuba uphumelele.
26. Ukuze wenze ibhizinisi, udinga ukwazi ukukhuluma, ukusebenzelana kahle nabantu, kanye nokuphana izipho.
27. Isikhumba esijiyile siyinto enhle.
28. Impumelelo idinga usizo lwezinhlobo ezinhlanu zabantu: abasizi, abeluleki, izihlobo, imizamo yomuntu siqu, kanye nokuqashwa yizitha.
29. Ngaphambi kokuqala ibhizinisi, lungisa ubudlelwano kuqala; uma kungenjalo, ungasheshi ukubuqala.
30. Amabhizinisi anezithiyo eziphansi zokungena yiwona okunzima ukuwaqhuba ngoba baningi kakhulu abancintisana nabo.
31. Abantu abangakwazi ukuyeka ukuziqhenya kwabo bahloselwe ukungenzi imali eningi.
32. Labo ababukela phansi imali encane bangakhohlwa ngokwenza imali enkulu.
33. Ungaphila ngaphandle kokuthandana, kodwa kumele ubaqonde abesifazane; uma ungaqondi abesifazane, awuqondi umphakathi, futhi uma ungaqondi umphakathi, awukwazi ukwenza imali. Izimboni lapho abesifazane abahle baningi khona ziyizimboni ezinenzuzo kakhulu.
34. Ebhizinisini, kufanele ufunde ukunciphisa izindleko futhi ungalokothi unikeze imali mboleko.
35. Uma uhlangana nabantu abahle kakhulu, nawe uzoba muhle kakhulu.
36. Izwi elinomusa linganqoba abantu abangaphezu kwengxenye, isipho singanqoba abantu abangaphezu kuka-70%, amazwi anomusa kanye nesipho kunganqoba abantu abangaphezu kuka-90%, futhi ukuhambisana nezintandokazi zabo kunganqoba cishe wonke umuntu.
37. Ukuze wenze imali, udinga ukwenza izinto ezimbili kuphela nsuku zonke: ukuhlela emini kanye nokubuyekeza ebusuku.
38. Qaphela izitolo ezinerenti ephansi, njengoba irenti ephansi ivame ukusho ukuthi amakhasimende aphansi.
39. Ngenza izinto ezintathu kuphela: ukuzivocavoca, ukwenza imali, nokufunda.
40. Ukuzwana kuletha ingcebo; gwema ukwenza izitha uma kungekho ukungqubuzana kwezintshisekelo.
41. Imali enkulu itholakala eminyakeni emithathu kuya kwemihlanu; noma unayo noma awunayo.
42. Imfihlo yabantu abacebile abenza imali eningi: Yenza okuncane, yenza izinto ezibaluleke kakhulu kuphela. Abantu abamatasa nsuku zonke abanaso isikhathi sokwenza imali yangempela.
43. Labo abangakwazi ukukhuthazela bazosuswa; labo abakwaziyo ukukhuthazela bazovelela.
44. Ukuze uthole imali eningi, udinga isifiso, isifiso, kanye nogqozi lokuthatha isinyathelo.
45. Amabhizinisi omndeni kumele agweme izingxabano zangaphakathi.
46. Funda ukusetshenziswa abanye; labo abasezikhundleni bayazi ukuthi bangavumela kanjani abanye bazuze ukuze baqoqe abantu abaningi eduze kwabo.
47. Labo abakwazi ngempela ukuphatha ingcebo enkulu bavame ukuhlukaniswa nemizwa; uma bengakwazi ukunqoba izithiyo zemizwa, bazokuthola kunzima ukuthola ingcebo nodumo.
48. Abantu abazingcwaba emsebenzini onzima usuku lonke ngeke bacebe. Ingcebo iwumvuzo wolwazi, hhayi umvuzo wokukhuthala.
49. Ungabi yisifebe sokugcina uma wenza ibhizinisi.
50. Ukufunda noma yini ngaphandle kokwenza imali kuwukuchitha isikhathi.
51. Ithuba lihlala lisiza ingqondo elungisiwe, kanti ingcebo ayisizi ngalutho amavila.
52. Uma utshala imali, kubalulekile ukushintshashintsha ubungozi bakho; ungafaki wonke amaqanda akho ebhasikidini elilodwa.

Labo ababona lo myalezo, sicela bashiye amazwana: "Ngemva kokubi kakhulu kuza okuhle kakhulu, kuzolandela inhlanhla."

Ekuphetheni: Imithetho Eyishumi Yegolide

1. Ukuxhumana kuyingcebo; hlakulela ubudlelwano obusezingeni eliphezulu, ikakhulukazi obungaletha ingcebo.
2. Impumelelo incike ekuhlakanipheni, embonweni, kanye nethuba; yenza okuncane bese ugxila ezintweni ezibaluleke kakhulu.
3. Ebhizinisini, udinga ukwazi ukukhuluma, ukuzwana nabantu, kanye nokunikeza izipho. Ukunikeza izipho kungaxazulula izinkinga ezingu-80%.
4. Thola amaphuzu akho okuthengisa, gxila ocwaningweni olujulile, futhi ukuzinikela kuyisihluthulelo sokuba yingcweti.
5. Zimisele ukuzama ukwenza amaphutha; ukubhekana nezithiyo ebusheni bakho kuyingxenye engenakugwenywa yokukhula.
6. Ithuba lihlala lisiza ingqondo ekulungele, kanti ingcebo ayisizi abantu abavilaphayo.
7. Uma utshala imali, kubalulekile ukushintshashintsha ubungozi futhi ungafaki wonke amaqanda akho ebhasikidini elilodwa.
8. Abacebile bayazi ukuthi bangavumela kanjani abanye bazuze, ngaleyo ndlela badonsele abantu abaningi.
9. Ebhizinisini, kubalulekile ukuphatha ubudlelwano ngempumelelo; amabhizinisi anezithiyo eziphansi zokungena yiwona okunzima kakhulu ukuphumelela kuwo.
10. Labo abangakwazi ukunqoba izithiyo ezingokomzwelo bazokuthola kunzima ukuthola ingcebo nesikhundla; labo abakwazi ngempela ukuphatha ingcebo enkulu bavame ukuba nonya.