壹、節制，食不過飽，飲酒不醉。
2. SILENCE. Speak not but what may benefit others or yourself; avoid trifling conversation.
二、少言，言必於人於已有益，避免無益的閑聊。
3. ORDER. Let all your things have their places; let each part of your business have its time.
三、秩序，每樣東西應放在壹定的地方，每件事物應有壹定的時限。
4. RESOLUTION. Resolve to perform what you ought; perform without fail what you resolve.
四、決心，當做必做，決定之事，持之不懈。
5. FRUGALITY. Make no expense but to do good to others or yourself; i.e., waste nothing.
五、節儉，於人於已有利之事方可花費，勿浪費壹切東西。
6. INDUSTRY. Lose no time; be always employed in something useful; cut off all unnecessary actions.
六、勤勉，勿浪費時間，時刻做些有用的事，杜絕壹切不必要的行動。
7. SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly.
七、誠實，不虛偽騙人，思想要公正純潔，講話亦如此。
8. JUSTICE. Wrong none by doing injuries, or omitting the benefits that are your duty.
八、公正，不做有損他人的事，不要忘記妳應盡的義務，做對人有益之事。
9. MODERATION. Avoid extremes; forbear resenting injuries so much as you think they deserve.
九、中庸，不走極端，容忍別人給予的傷害，將此視作應該承受之事。
10. CLEANLINESS. Tolerate no uncleanness in body, cloths, or habitation.
十、清潔，力求身體、衣服和住所整潔。
11. TRANQUILLITY. Be not disturbed at trifles, or at accidents common or unavoidable.
十壹、鎮靜，勿因小事、平常的或不可避免的事故而驚慌失措。
12. CHASTITY. Rarely use venery but for health or offspring, never to dullness, weakness, or the injury of your own or another’s peace or reputation.
十二、節欲，為了健康或生育後代起見，不常行房事。切忌過度傷體，以免損害自己或他人的安寧與名譽。
13. HUMILITY. Imitate Jesus and Socrates.
十三、謙虛，效法耶穌和蘇格拉底。
本傑明.富蘭克林——資本主義精神最完美的代表，十八世紀美國最偉大的科學家，著名的政治家和文學家。他壹生最真實的寫照是他自己所說過的壹句話“誠實和勤勉，應該成為妳永久的伴侶。”