富蘭克林對道德的主要理解：
1.因為有德行的人才能事業(yè)成功、諸事順利聪建；有德行的人去服務公眾钙畔、報效國家，才能保證公眾福祉和國家利益不受損害金麸，所以要注重個人道德品行擎析。
2.理論上相信道德并不能制止錯誤的發(fā)生，唯有培養(yǎng)和建立好習慣挥下，才能依靠正直穩(wěn)固的行為舉止來防范和杜絕錯誤揍魂。所以《高效能人士的七個習慣》作者史蒂芬·柯維認為自己的理論構(gòu)建于富蘭克林的基礎上是很有道理的。?
《道德完善計劃》13條
(1)Temperance: Eat not to dullness; drink not to elevation.?
一棚瘟、節(jié)制：食不過飽现斋，飲不過量。?
(2)Silence: Speak not but what may benefit others or yourself; avoid trifling conversation.?
二偎蘸、緘默：言則于人于己有益庄蹋，不作雞毛蒜皮的閑扯。?
(3)Order: Let all your things have their places; let each part of your business have its time.?
三迷雪、條理：物歸其位限书，做事之前制定時間表，按照計劃章咧，在相應的時間內(nèi)完成應該做的事情倦西。?
(4)Resolution: Resolve to perform what you ought; perform without fail what you resolve.?
四、決斷：做事應該果斷赁严，不要拖泥帶水调限，一旦決定就要付諸行動，還要堅持到底误澳。?
(5)Frugality: Make no expense but to do good to others or yourself; i.e., waste nothing.?
五耻矮、節(jié)儉：不要做無益的花銷，杜絕不必要的浪費忆谓。?
(6)Industry: Lose no time; be always employ'd in something useful; cut off all unnecessary actions.?
六裆装、勤勉：不浪費時間，時時刻刻都要用于正經(jīng)事倡缠，戒除一切不必要的行動哨免。?
(7)Sincerity: Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly.?
七、誠懇：絕對不可以欺騙他人昙沦，考慮問題應公平公正琢唾，襟懷坦蕩，發(fā)表觀點時要有理有據(jù)盾饮，尊重事實采桃。?
(8)Justice: Wrong none by doing injuries, or omitting the benefits that are your duty.?
八懒熙、正直：不做有損他人之事，不要放棄履行行善助人的義務普办，從而傷害他人工扎。?
(9)Moderation: Avoid extreams; forbear resenting injuries so much as you think they deserve.?
九、中庸：為人處事不要極端偏激衔蹲，對待他人的一時發(fā)泄肢娘，應當加以寬容，不要斤斤計較舆驶、懷恨記仇橱健。?
(10)Cleanliness: Tolerate no uncleanliness in body, cloaths, or habitation.?
十、清潔：儀表沙廉，身體畴博、衣服和住所都應當力求清潔。?
(11)Tranquility: Be not distuibed at trifles, or at accidents common or unavoidable.?
十一蓝仲、沉著：不要因為瑣事或者難以避免的不測而煩惱。?
(12)Chastity: Rarely use venery but for health or offspring, never to dulness, weakness, or the injury of your own or another's peace or reputation.?
十二官疲、貞節(jié)：切忌房事過度袱结，以免傷害身體或有損自己或他人的安寧和名譽。?
(13)Humility: Imitate Jesus and Socrates.?
十三途凫、謙虛：效法耶酥和蘇格拉底垢夹。
