Don't hoard so much stuff; there's no room at home.
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屯 shows up in many place names as a trace of old military farm-settlements where soldiers garrisoned and tilled the land. 三里屯, Beijing's famous nightlife district, literally means 'three-li village'.
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Everyday reading is tún (to hoard; to garrison; village). A second reading zhūn is classical only, meaning 'hard going, stuck', seen in 屯邅 (beset by difficulties) and as the name of the hexagram 屯卦. Modern usage is always tún.
屮 is the indexing radical, an oracle-bone drawing of a single sprouting plant. In 屯 it is the seedling pinned beneath the ground line, struggling upward, the visual seed of 'to garrison' (gather and dig in), 'village', and 'to hoard'.
Top horizontal acts as an abstract ground-line marker, a positional cue for the soil surface that the sprout below pushes up against. Its placement gives the graph its sense of difficulty breaking through, behind both 'store up, gather' and the classical zhūn 'stuck'.
