"人有三件事太多和三件事太少都是有害的：话多却知之甚少多花钱却拥有甚少自负多却价值甚少"

Simplified Meaning:

When we talk too much but don’t know enough, it can make us look foolish and unreliable. For example, imagine someone at work who always talks a lot in meetings but doesn't understand the topic. Instead of helping, they confuse others and waste time. Spending a lot but having little means you’re living beyond your means. Think of a person who buys expensive clothes and gadgets but struggles to pay rent or bills. Over time, this kind of behavior can lead to debt and financial stress. Lastly, presuming too much but being worth little means thinking very highly of yourself without having the skills or qualities to back it up. Imagine someone who believes they deserve a top position in a company but hasn’t worked hard or gained the necessary experience. They will likely be disappointed and face setbacks. To have a balanced life, it’s important to speak knowledgeably, spend wisely, and understand your own capabilities. This way, you earn respect, maintain financial health, and build a credible reputation.