其一，信仰和信念。信仰，就是人们的宗教信仰和非宗教信仰，前者如佛教、道教、伊斯兰教、基督教、天主教、东正教种种，后者如马克思主义等等。信念，就是总认为有一份幸福在前边等待着自己，它在固定性上和信仰有点近似。有信仰有信念的人因为坚信有幸福在未来或来生等着自己，故精神上就有了支柱。这个支柱就是一种财富。当人遇到灾难的时候，他就可以依靠这个东西来支撑，用它来支付灾难造成的精神亏空从而不使自己垮掉。比如遇到了车祸，有信念的人会告诉自己，祸福相连，这一祸让自己对更大的车祸有了警惕，也许福就在后头，从而寻找到内心的平衡。灾难让你内心失衡，精神财富的支出则会让你迅速获得平衡，这就像把钞票支付出去买来东西一样。

　　其二，意志力。就是我们常说的坚强还是软弱，坚韧还是脆弱。当一个人的生活遇到很大阻力的时候，就要靠意志力来支撑，靠意志力推动自己去克服。人的意志力是通过做事情的耐力和毅力来表现的。人有没有意志力，是不是脆弱，遇到波折时会很快检验出来。如果他没有，一旦遇见大的挫折，他就会垮掉。如今几乎每年都有众多因挫折而自杀的人，穷人、富人都有，究其深层原因，就是因为他们没有坚强的意志力来支付精神亏空。

　　其三，道德信条。道德观念是一个历史的范畴，随着历史的发展而不断变化，每个时代都有每个时代的道德信条。一个人所信奉的他那个时代的道德信条，也是一笔精神财富。有了这笔财富，他在世界上的各种邪恶诱惑自己时，就能换来一份坚定，站稳自己做人的底线；他在做各种人生选择时就会从容，会准确地抓住人生机会，从而使自己处于有利的人生位置。人生的重要机会，有时就是一个人的道德信条换取的。

　　其四，各种知识。我们从书本上，从父母和学校老师那里，从各种实践中获取的知与识，也是一种宝贵的精神财富。这些知识保证我们进行日常精神支出，使我们不至于陷于人生途程中一些陷阱。这些知识包括自然科学知识和社会科学知识，也包括关于人类自身的知识。一个人的知识越丰富，他的精神财富的量就越大，他应付人生就越自如。
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大意即可，谢谢！！

First, belief and faith. The belief, is people's religious belief andthe non- religious belief, former like Buddhism, Taoism, Islamism,Christianity, Catholicism, Eastern Orthodoxy all sorts, latter likeMarxism and so on. The faith, is always thought has a happiness towait for in front own, it is a little approximate on the constancy andthe belief. Has person which the belief has the faith because believedwill have happiness is waiting for own in the future or the next life,therefore in the spirit had the prop. This prop is one kind of wealth.When the person comes across the disaster the time, he may depend uponthis thing to support, pays the mental debt with it which the disastercreates thus not to cause oneself to break down. For instance has comeacross the traffic accident, has the faith the person can telloneself, fortune and misfortune connected, this calamity let oneselfhave to a bigger traffic accident has been vigilant, perhaps luck inbehind, thus sought to the innermost feelings balance. The disasterlets your innermost feelings be unbalanced, a spiritual wealth origincan let you rapidly obtain the balance, this picture pays the billbuys the thing to be same.
Second, willpower. Is we often says strongly or weak, tenacious or isfrail. When a person's life meets the very big resistance the time,must depend on the willpower to support, depends on the willpower toimpel oneself to overcome. Human's willpower is through handles thematter the endurance and the will displays. Does the person have thewillpower, is not frail, meets when the twists and turns can veryquickly examine. If he does not have, once meets the big setback, hecan break down. Now nearly every year has multitudinously the personwhich commits suicide because of the setback, the poor person, therich people all has, investigates its in-depth reason, is because theydo not have the strong willpower to pay the mental debt.
Third, moral creed. The morality is a historical category, butunceasingly changes along with the historical development, each timeall has each time the moral creed. A person believes in his time moralcreed, also is spiritual wealth. Had this wealth, he evilly enticeswhen world each kind oneself, can trade a firmness, comes to a stoponeself makes person's agent; He when makes each kind of life choicecan be calm, can accurately hold the life opportunity, thus causesoneself to be in the advantageous life position. The life importantopportunity, sometimes is a person's moral creed receives in exchange.
Fourth, each kind of knowledge. We from the books, from the parentsand school teacher there, the knowledge which gains from each practicewith the knowledge, also is one kind of precious spiritual wealth.These knowledge guaranteed we carry on the daily spiritualdisbursement, enable us as for not to sink into life 途程 centersome traps. These knowledge including natural sciences knowledge andsocial sciences knowledge, also includes about the human ownknowledge. A person's knowledge richer, his spiritual wealth quantityis bigger, he deals with the life freely.
希望你满意,...............