卡耐基的事业刚起步时，在密苏里州举办了一个成人教育班，并且陆续在各大城市开设了分部。他在广告宣传上花了很多钱，房租、日常办公等开销也很大，尽管收入不少，但在过了一段时间后，他发现自己连一分钱都没有赚到。由于财务管理上的欠缺，他的收入竟然刚够支出，一连数月 Carnegie’s Business Just started, an adult education class was held in Missouri, and one after another in major cities. He spent a lot of money advertising, rent, daily office and other expenses, despite a lot of income, but after some time, he found himself even a penny did not earn. Due to the lack of financial management, his income turned out to be just enough for several months