窮人向富人學什么
1. They get out of debt.
有錢人擺脫債務。
Duh, right? Debt is the enemy to building wealth. Debt is Lord Voldemort. It will kill and destroy your money. You should get rid of even small, monthly payments. Start by figuring out exactly how much you owe, and decide what you’re going to tackle first.
可不是嘛，債務是累積財富的頭敵，債務就是伏地魔。它榨取并吸干你的每分每厘。哪怕是小額的月債，你也應該還清。先算清自己到底欠了多少債，然后想辦法去解決。
2. They know how much they save.
有錢人清楚自己有多少積蓄。
Do you know what your annual savings rate is? Rich people do. It doesn’t have to be exact, or down to the penny, but you should know how much of your salary you usually save or invest.
你知道自己的年儲蓄率是多少嗎?有錢人知道。你不一定要搞清具體數字或精確到每分錢，但應該清楚平時儲蓄或投資的薪水金額。
3. They know how much they spend.
有錢人知道自己花了多少錢。
How much are your monthly utilities? How much do you usually spend at restaurants? By figuring out these things, you will be able to find ways to save and invest more. So, track your spending over the next couple months. After you’ve seen where your money is going, you will have a better idea of what you can cut.
你每個月的日常開銷是多少?平常會花多少錢去吃館子?算清這筆賬，你就找到省錢和投資的方法了。所以，接下來幾個月請嘗試記下自己的開銷吧。當你弄清錢都花在哪兒后，就能知道怎么削減開支了。
4. They think long term.
有錢人目光長遠。
Where do you want to be in 5, 10, or 20 years? Wherever that is, you need to start planning for it today. Rich people don’t say things like, “I want new shoes, I’m going to spend the last of my paycheck on them.” They think long term about where they want to be, and they make savings goals to get there.
你給自己5年、10年乃至20年的定位是什么?不論怎樣，你都需要從現在起認真規(guī)劃了。有錢人不會說：“我想買雙新鞋，還剩一點余錢，干脆把它花掉吧。”他們會考慮得很長遠，然后努力存錢實現那個長遠目標。
5. They make their money work for them.
有錢人讓金錢為自己效勞。
My dream is to figure out how to make money while I sleep. Doesn’t that sound amazing? Well, rich people do that. They invest in stocks, real estate, companies, etc. and make their money work for them.
我的夢想就是掌握一邊睡大覺一邊賺鈔票的秘訣。這聽上去是不是很誘人?有錢人就是這么做的啊!他們投資股票、房產、公司等，讓金錢為自己帶來收益。
6. They diversify their income.
有錢人保持收入多樣化。
Nothing will make you feel more secure at work than having another stream of income, and it will help your bank account, too. Having a few side hustles will make your bank account grow—and it gives you less time to spend your money, which increases your savings.
工作時賬戶里還能增加額外收入?再沒什么能比這個更令人心安了吧?賺點外快可以充實銀行賬戶，不僅縮減花錢時間，還能增加存款!
7. They aren’t afraid to get help.
有錢人不羞于請人幫忙。
It could be your brother, your sister, or even your best friend’s parents, but you should find someone who you think handles money well, and ask them how they do it. Also, there are a ton of great online resources you should check out. In addition, you can go to financial planners and find out what they suggest. You’re probably not going to find all your answers in one spot, and that’s fine. Just keep searching until you find something that works for you.
不論是兄弟姐妹還是好朋友的父母，你應該找一個善于理財的人，然后向他討教。另外，網上也有很多不錯的資源，查查看吧。而且，你還可以選擇理財規(guī)劃師，聽聽他們的建議?；蛟S你無法一下子就得到所有答案，但也別太介意，只要堅持探索直到找到適合自己的方式就行。
8. They figure out goals for their money.
有錢人有自己的財富目標。
You need goals. You need something to strive for at every step of your financial journey. Are you working on getting out of debt? Then you should have a big “get out of debt goal.” You should also break down your big goal into smaller pieces. For example, “pay off a credit card, pay off $5,000 in student loans, or pay off half of your car.” By making these smaller goals you will stay motivated to getting to your bigger goal.
你需要目標。在理財過程中，你需要有個東西不斷鞭策你。在努力還債嗎?那你應該定一個遠大的擺脫債務目標。同時，你應該把大目標分成無數小目標。比如，“還信用卡、還5000美元的學生貸款，或付清一半車貸”。實現小目標后，你會更有動力去實現大目標。
9. They realize getting rich is a process.
有錢人懂得積累財富需要過程。
It’s not going to happen overnight, but by making a plan and sticking with it, you will eventually get there.
你不可能一夜暴富，但如果制定計劃并堅持執(zhí)行的話，最終你會變富有的。
10. They don’t want what other people have.
有錢人不稀罕別人的東西。
You know the couple with the amazing house? You know the girl with the awesome car? Most of them aren’t rich. They may have good incomes, but they’re most likely buried in payments. Trying to get these things will make you the same way. You will be buried in payments, but you won’t be making progress on your net worth. Decide what you want more, wealth or things?
你認識一對有大房子的夫婦，或知道某個女孩開著豪車?這種人大部分都不算有錢。他們或許有不錯的收入，但也極可能欠了一屁股債。如果你也置洋房買豪車，肯定也會落到那個下場——債務纏身，個人凈值毫無提升。想清楚自己更想要什么：財富還是物質享受?
