每个人的面目不同，其因果也不一样，每个人在往昔生生世世所欠下的债也不同。有些人欠债太多了，到这个世界上来，还也还不了，所谓“债台高筑”，也就是业障之台，一天比一天高，一天比一天深，债上加债，纠缠不清。这是什么缘故呢？ 是因为往昔专门放高利贷，借钱给人，利上加利，贪得无餍，自己以为占了便宜，结果是自己吃了亏，业障一天比一天重，终于拔不出腿来了！

Everyone has a different appearance. In addition, their causes and effects vary, and their debts accumulated from past lives are also different. Some people owe so much that they can’t even pay off their debts in this lifetime. It is said that these individuals are “building a high mountain of debts.” This mountain is also a mountain of karmic obstacles, which is getting higher day by day. With new debts added on old debts, the debtors get even more entangled. Why is that? It is because these individuals specialized in usurious practices in the past. They were so greedy that they charged excessive interests and thought they were making a profit at their borrowers’ expense. However, they were actually hurting themselves, because their karmic offenses were getting heavier every day. Eventually these karmic offenses became so heavy that they couldn’t pull themselves out of the resulting retributions. 　

有的欠人做父亲的债，有的欠人做母亲的债，有的欠人做妻子的债，有的欠人做丈夫的债，有的欠人做儿子的债，有的欠人做女儿的债。所谓“父母的饥荒，伦常的账码”，种种的因缘，乃促成你我今生命运的安排。可是一般人不明白一切都是前因后果，定业难逃，所以有时候还不认账，还想扛债不还，明明欠人的债，却不承认。因为这样不讲道理，所以酿成世界上种种麻烦的发生──你有你的麻烦，我有我的麻烦，他有他的麻烦，各人有纠缠不清、善恶夹杂的因果。偶尔遇到佛教，听了佛理，便明白一点。

Some people repay their karmic debts by becoming their creditors’ father, mother, husband, wife, son or daughter. It is said that “parents endure hunger as a way to repay their debts to their children.” Various kinds of causes and conditions have shaped our destinies in this life. However, most people do not understand that everything occurs due to prior causes and resulting consequences. Therefore, instead of owning up to their inescapable karmic debts, sometimes they don’t even acknowledge their debts to others; instead, they try to renege. Such unreasonable actions cause many troubles in the world -- you have your trouble, I have mine and they have theirs. Everyone has both wholesome and unwholesome causes and conditions, which are entangled and difficult to separate. Once in a while, when people encounter Buddhism, they will understand the truth a bit.

可是今天明白了，明天又糊涂了；后天又想明白，大后天又糊涂了。于是变成智愚平等的局面，智慧和愚痴平均，糊涂时便不想修道，明白时便想修道。可是修道的时候很少，糊涂的时候很多，因此所修的不及所丢的，智慧也一天不如一天；而愚痴却一天比一天增加，在无明驱使之下，便做出很多糊涂事。心里糊涂，进一步身上也糊涂了；心里有贪瞋痴，身上便犯杀盗淫，这些都是糊涂账，根本算不清！

However, while being clear about the truth today, they get confused by tomorrow; being clear the day after tomorrow, but a day later they get all mixed-up again. They go back and forth between clarity and confusion until they have as much wisdom as delusion. When muddled, they don’t want to cultivate the Bodhi Path; in moments of clarity, they are willing to cultivate. Unfortunately, the time spent cultivating is a lot less than the time spent being confused. As a result, what they gained from cultivation is a lot less than what they lost due to confusion. Day by day, their wisdom decreases as their delusion increases. Driven by their ignorance, they end up engaging in all sorts of mixed-up conducts. With confused minds, their bodies also become confused; harboring greed, hatred and delusion in their minds, they use their bodies to commit killing, stealing and sexual misconducts. They create an innumerable amount of karmic debts while they are confused, and these debts are really hard to repay!

所以，有时家庭眷属不和，父子不和、母女不和、夫妇不和、兄弟不和、姊妹不和、兄妹不和，种种问题就发生了。发生了，自己还不承认、不认账，反而觉得很受委曲。其实这都是前因后果的定律，以前种下的因，如今结果了，有什么好怨呢？所以“是故知命者，不立岩墙之下”，“不怨天、不尤人，下学而上达。”首先要明白因果，不要再种糊涂因果，要种清净的因果，要是道则进，非道则退。不要再把善恶混淆不清，是非夹杂不明，若能黑白分明，真假了然，便有机会返本还原，回复到本有的性净明体、妙真如性。

Given all these debts, sometimes disharmony arise among one's family members -- between father and son, mother and daughter, husband and wife, elder brother and younger brother, elder sister and younger sister, or a brother and a sister. However, despite these family problems, one still refuses to acknowledge one’s mistakes and settle one’s debts; instead one feels he or she has been wronged somehow. Actually, all of this can be explained by the unchanging principle of cause and effect -- due to the causes one planted in the past, one reaps the consequence now. So, what is there to complain about? It is said that “If you understand cause and effect, you would not stand next to a crumbling wall.” In fact, we should not “complain to the heavens or blame others” for our misfortunes. Instead, we need to understand the principle of cause and effect, and plant pure and wholesome causes instead of confused ones. When our actions accord with the Bodhi Way, we should proceed; otherwise, we should retreat. Do not confuse good with evil any longer, or mix up the right with the wrong. If we can distinguish black from white and be clear on what’s true and what’s false, then we have an opportunity to return to our inherent nature, our wondrous Buddha nature, which is pure and bright.