积财难，守财最难，而聪明地散财最难。的英文

to acquire wealth is difficult, to preserve it more difficult, but to spend it wisely most difficult of all

• 积:    amass; store up; a ...
• 财:    wealth; property; ...
• 难:    catastrophe; calam ...
• 最:    most; best; worst; ...
• 聪明:    clever; intelligen ...
• 地:    the earth
• 散:    break up; disperse