最后一部分了。加油。
#24 Another thing you have to do of course is have a lot of assiduity....“whenever we're behind in our commitments to other people we will both work 14 hours a day until we caught up."
解析： assiduity - “死磕”精神，这世界只靠天赋和天才就可以成点事儿的人实在太少太少；所以，人能做的，就是“渐进”、就是承诺后的无保留的努力。
#25 Another thing of course is life will have terrible blows, horrible blows, unfair blows, doesn’t matter. And some people recover and others don’t....every mischance in life was an opportunity to learn something and your duty was not to be submerged in self-pity but to utilize the terrible blow in a constructive fashion.
解析：又是一个妇孺皆知的道理 - 人生不易、磨难是财富、是机遇；与其做怨妇、自怨自艾，不如做一个有范儿的“建造者”。
#26 He was favored because he became wise, and he became manly. Very good idea....And I’m Confucian enough that, even now, I sit here and I’m saying, “Well, Judge Munger would be pleased to see me here.”...And being the kind of man he was he underspent his income all his life and left her in comfortable circumstances.
解析：老爷子是孔子思想的铁杆粉丝，一位注重当下、注重实践、注重与人为善、于己严苛的智者；确实很man。
#27 While my grandfather took a loss, he got most of his money back eventually....
Mine were of trouble,
And mine were steady;
So I was ready
When trouble came.”
解析：从老爷子对他的爷爷的生活的描述，引用了Houseman的一首小诗，隐隐透露一个不是秘密的秘密：大格局悲观、小格局乐观；与人乐观、于己悲观。。。微妙、微妙、微妙
#28 Well, I did! All my life, I've gone through life anticipating trouble. And here I am, well along on my eighty-fourth year, and like Epictetus, I've had a favored life....It didn't hurt me at all. In fact, it helped me. So I quick claim to you Houseman and Judge Munger.
解析：对#27的进一步解析，“向死而生”、随时保持着麻烦会过来光顾的心态、兢兢业业、如履薄冰。。。
#29 The highest form that civilization can reach is a seamless web of deserved trust. Not much procedure, just totally reliable people correctly trusting one another.
解析：本处是本篇演讲中，老爷子讲述的最后一个闪光点；“文明”的最高样式，是群落内、群落间的“信任”；无条件、无缝隙、无“启动流程”的互相“相信”；当然，这个状态是他毕生在追求的。
#30 I hope these ruminations of an old man are useful to you. In the end, I’m like the Old Valiant-for-Truth in The Pilgrim’s Progress: “My sword I leave to him who can wear it.”
解析：本处，老爷子实践了自己的“与人乐观“的心态，我说了“真话”，那又怎样，别患得患失以为自己几斤几两，也别管是否一定有人会珍视、会受用，关我屁事。我继续活着，依然好好做一台“学习机器”，“向死而生”。。。
嗯，点点滴滴、恳恳切切。先这样吧。
#24 Another thing you have to do of course is have a lot of assiduity. I like that word because it means sit down in your ass until you do it. I’ve had marvelous partners all my life. I think I got them partly because I tried to deserve them and partly because I was wise enough to select them and partly maybe it was some luck. But two partners that I chose for one little phase of my life had the following rule and they created a little designed build, construction team. And they sat down and said, 2 man partnership, divide everything equally, here’s the rule; “whenever we're behind in our commitments to other people we will both work 14 hours a day until we caught up." Well needless to say that firm didn’t fail! The people died rich. It’s such a simple idea.
#25 Another thing of course is life will have terrible blows, horrible blows, unfair blows, doesn’t matter. And some people recover and others don’t. And there I think the attitude of Epictetus is the best. He thought that every mischance in life was an opportunity to behave well, every mischance in life was an opportunity to learn something and your duty was not to be submerged in self-pity but to utilize the terrible blow in a constructive fashion. That is a very good idea.
And you may remember the epitaph which Epictetus left for himself: “Here lies Epictetus, a slave, maimed in body, the ultimate in poverty, and favored of the gods.” Well, that’s the way Epictetus is now remembered. He said big consequences. And he was favorite of the Gods! #26 He was favored because he became wise, and he became manly. Very good idea. I got a final little idea because I’m all for prudence as well as opportunism. My grandfather was the only federal judge in his city for nearly forty years and I really admired him. I’m his namesake. And I’m Confucian enough that, even now, I sit here and I’m saying, “Well, Judge Munger would be pleased to see me here.” So I'm Confucian enough, all these years after my grandfather is dead, to carry the torch for my grandfather's values. And, grandfather Munger was a federal judge at a time when there were no pensions for widows of federal judges. So if he didn't save from his income, why, my grandmother would have been in penury. And being the kind of man he was he underspent his income all his life and left her in comfortable circumstances.
Along the way, in the thirties, my uncle's bank failed and couldn't reopen. And my grandfather saved the bank by taking over a third of his assets—good assets—and putting them into the bank and taking the horrible assets in exchange. And, of course, it did save the bank. #27 While my grandfather took a loss, he got most of his money back eventually. But I've always remembered the example. And so when I got to college and I came across Houseman, I remember the little poem from Houseman, and that went something like this:
“The thoughts of others
Were light and fleeting,
Of lovers' meeting
Or luck or fame.
Mine were of trouble,
And mine were steady;
So I was ready
When trouble came.”
You can say, “Who wants to go through life anticipating trouble?” #28 Well, I did! All my life, I've gone through life anticipating trouble. And here I am, well along on my eighty-fourth year, and like Epictetus, I've had a favored life. It didn't make me unhappy to anticipate trouble all the time and be ready to perform adequately if trouble came. It didn't hurt me at all. In fact, it helped me. So I quick claim to you Houseman and Judge Munger.
The last idea that I want to give you, as you go out into a profession that frequently puts a lot of procedure, and a lot of precautions, and a lot of mumbo-jumbo into what it does, this is not the highest form which civilization can reach. #29 The highest form that civilization can reach is a seamless web of deserved trust. Not much procedure, just totally reliable people correctly trusting one another.
That's the way an operating room works at the Mayo Clinic. If a bunch of lawyers were to introduce a lot of process, the patients would all die. So never forget, when you're a lawyer, that you may be rewarded for selling this stuff, but you don't have to buy it. In your own life, what you want is a seamless web of deserved trust. And if your proposed marriage contract has forty-seven pages, my suggestion is you not enter. Well, that’s enough for one graduation. #30 I hope these ruminations of an old man are useful to you. In the end, I’m like the Old Valiant-for-Truth in The Pilgrim’s Progress: “My sword I leave to him who can wear it.”