百万富翁Steve Siebold说道，“每个人都有获得财富的机会”，可事实上，不是每个人都能抓得住这样的机会。
*Steve Siebold是一位职业演讲家，作家，出过的书有《How Rich People Think》等。
而下面这10条现象，可能象征你会穷一辈子了→_→
1
You only work hard, not smart.
只用力气，不用脑子
In school, we learn that hard work will get us ahead in life. But ''that''s only half the story,'' says Ric Edelman, a top financial adviser.
在学校的时候，我们以为只要够努力，就可以跑在别人前面。顶尖的财务顾问Ric Edelman告诉我们，这只是成功的一部分真相而已。
''If all you do in life is work really hard, you''re never going to get wealthy,'' he said. ''Because it''s not enough that you work hard to make money to set some of it aside.''
“如果你的一生都只是在努力工作的话，你永远不会富有的。因为只是靠努力工作所赚的钱，是不够的。”
Edelman says that to ensure future wealth, you must equally work smart. One way he suggests working smart is investing your money in the stock market or a retirement fund — that is, taking advantage of compound interest so that your money earns money.
Edelman建议，要想保证未来的富有，你还必须学会让你的大脑动起来。他的建议中有一条方法就是把你的钱投资在股票证券市场或是退休基金——利用复利钱生钱。
''You can do this without taking a huge amount of risk. You can do this without a lot of effort. You can do this without a lot of time,'' he said.
他说：“这么做既不需要承担多少风险，也不需要花费多少精力，还不需要很多时间。“
2
You put too much emphasis on saving — and not enough on earning.
把精力更多的花费在存钱，而不是挣钱上
Another way to work smart? Increase your earnings, not just your savings.
另一个变有钱的聪明法子——增加你的收入，而不只是存款。
Saving is crucial to building wealth, but you don''t want to focus so much on saving that you start neglecting earning, which is what rich people focus on.
靠存钱变富有实在是有点难度，如果你把太多的精力放在存钱上，就会忽略了赚钱，而有钱人却是把精力放在赚钱上的。
''The masses are so focused on clipping coupons and living frugally they miss major opportunities,'' Siebold said.
“很多人都靠优惠券过着节衣缩食的生活，却错过了真正能变富有的机会，”Siebold说道。
There''s no need to abandon practical saving strategies. However, if you want to start thinking like the rich, ''stop worrying about running out of money and focus on how to make more,''Siebold said.
但是也没必要放弃你那些实用的省钱手段，不过如果你要像富人一样思考，“那就不要再担心会把钱花光，而是担心怎么赚到更多的钱吧，”Siebold说道。
A common thread among millionaires is that they develop multiple streams of income and adopt smart savings habits.
富人所共有的一个特点就是他们既会开源，也会节流。
3
You buy things you can''t afford.
总是买你买不起的东西
If you live above your means, you won''t get rich.
如果你总是超出能力消费，你是永远变不成有钱人的。
Even if you start earning more or get a hefty raise, don''t use that as justification to give yourself a lifestyle raise.
即便你赚得更多了，薪水升了好大一截，那也不是你过度消费的理由。
''I didn''t buy my first luxury watch or car until my businesses and investments were producing multiple secure flows of income,'' Grant Cardone, a self-made millionaire, wrote for Entrepreneur.
白手起家的大富豪Grant Cardone在为《企业家》写文章时说道：“在我的事业和投资带来的收入非常稳定之前，我没有为自己买过奢侈手表和汽车。”
''I was still driving a Toyota Camry when I had become a millionaire. Be known for your work ethic, not the trinkets that you buy.''
“在我已经是百万富翁的时候，我依然开着一辆丰田佳美。你需要看重的是你的职业道德，而不是你买的那些小玩意。”
4
You''re content with a steady paycheck.
满足于稳定的薪水
Average people choose to get paid based on time — on a salary or hourly rate — while rich people choose to get paid based on results and are typically self-employed.
大多数人都习惯了拿稳定的薪水，然而大多数的富人却是靠自己的事业来挣钱的。
''It''s not that there aren''t world-class performers who punch a time clock for a paycheck, but for most, this is the slowest path to prosperity promoted as the safest,'' Siebold said. ''The great ones know self-employment is the fastest road to wealth.''
“并不是说那些早九晚五的人里面就没有有钱人，但对大多数人来说，通过这种方法要变富实在是太慢了，虽然它风险小，但那些真正的有钱人都是有自己的事业的。“Siebold说道。
While the world-class continue starting businesses and building fortunes, ''the masses almost guarantee themselves a life of financial mediocrity by staying in a job with a modest salary and yearly pay raises,'' Siebold said.
当世界级的富豪们开创事业建立财富时，“大多数人都在一个薪水平平的岗位上，只求每年能涨点薪，平庸的过完一生。”
5
You haven''t started investing.
你还没开始投资
One of the most effective ways to earn more money over time is investing it, and the earlier you start, the better.
还有另外一个有效挣钱的方法就是投资，开始得越早越好。
''On average, millionaires invest 20% of their household income each year,'' Ramit Sethi wrote in his New York Times best-seller,''I Will Teach You to Be Rich.'' ''Their wealth isn''t measured by the amount they make each year, but by how they''ve saved and invested over time.''
“这些富豪们平均每年把家庭收入的20%花在投资上，”Ramit Sethi在他的畅销书《I Will Teach You to Be Rich》上写道，“他们的财富不是靠他们每年赚了多少来衡量的，而是他们经年累月的存了多少，又投资了多少。”
You don''t have to be an expert on personal finance or use fancy economic jargon to start investing. You don''t have to come from an affluent family, and you don''t even have to earn a massive paycheck.
你没必要成为理财专家才能开始理财，你也没必要来自一个富裕的家庭，你甚至不必赚大量的钱。
Start by investing in your retirement or a low-cost target-date fund, and you''ll see huge returns in the long run.
开始投资退休基金，或者是其他低成本周期性基金，长此以往，你会看到巨大的回报的。
6
You''re pursuing someone else''s dreams — not your own.
你在追求别人的梦想——而不是自己的
If you want to be successful,you have to love what you do — that means determining and pursuing your passion.
如果你想获得成功，你必须喜爱自己的事业——这就意味着你必须下定决心追求自己所热爱的东西。
Too many people make the mistake of chasing someone else''s dream — such as their parents'' —says Thomas Corley, who spent five years researching self-made millionaires.
很多人都犯了大错，去追求别人的梦想，比如说，他们父母的梦想。用5年时间白手起家成为百万富翁的Thomas Corley如是说道。
''When you pursue someone else''s dreams or goals, you may eventually become unhappy with your chosen profession,'' he wrote in ''Change Your Habits, Change Your Life.'' ''Your performance and compensation will reflect it. You will eke out a living, struggling financially. You simply won''t have the passion that is necessary for success to happen.''
“当你去追求别人的梦想或者目标时，你会渐渐对自己的职业产生不满，”他在《Change Your Habits, Change Your Life》这本书中写到。“你的表现和报酬会反映出来的。你艰难谋生，挣扎在温饱线上。成功所需要的那种热情，你根本就不具备。”
7
You rarely step outside of your comfort zone.
你很少踏出舒适区
If you want to build wealth, be successful, or get ahead in life, you''re going to have to get used to uncertainty or discomfort.
如果你想变得有钱，想成功，想成为生活中的佼佼者，你就必须习惯于不确定性和不舒适性。
Rich people, in particular, find comfort in uncertainty.
有钱人，尤其习惯于在不安稳中寻求舒适。
''Physical, psychological, and emotional comfort is the primary goal of the middle-class mindset,'' Siebold said.''World-class thinkers learn early on that becoming a millionaire isn''t easy and the need for comfort can be devastating. They learn to be comfortable while operating in a state of ongoing uncertainty.''
“对中产阶级来说，身体、心里和情绪上的舒适性，是他们追求的首要目标。世界级的思想家很早就明白，要想成为大富豪并不容易，而一昧的追求舒适将带来毁灭性的结果。他们学会了即便身处不断的不安稳中，也能享受舒适的本领。”
Likewise, rich people have learned that overcoming fear and taking calculated risks are key elements to achieving success.
同样的，有钱人也知道克服恐惧、计算风险是成功的重要法宝。
7
You don''t have goals for your money.
你没有金钱目标
If you want to build wealth, the process will be easier — and more enjoyable — if you have a clear, specific goal in place before forming a financial plan.
如果你想变成有钱人，过程其实很简单，而且还可以很享受——如果你在建立财务计划前就形成一个适当且具体清晰的目标。
Do you want to buy a house? Live abroad? Travel once a month? Enjoy a cushy retirement? Write down these goals.
你是想买房？想去国外生活？想每月都来一次说走就走的旅行？还是想安度退休时光？如果你有目标的话，就把目标写下来。
Rich people choose to commit to attaining wealth. It takes focus, courage, knowledge, and a lot of effort — but it''s possible if you have precise goals and a clear vision, says T. Harv Eker, a self-made millionaire.
另一位白手起家的富豪 T. Harv Eker如是说道——有钱人喜欢赚钱，但赚钱是需要投入、需要知识以及很多努力的，但只要你有明确的目标和清晰的规划，你就也可能赚到钱。
''The No. 1 reason most people don''t get what they want is that they don''t know what they want,'' he said. ''Rich people are totally clear that they want wealth.''
“很多人没有得到他们想要的东西，首要原因就是他们根本不知道自己想要什么。有钱人就清楚的知道，他们想要的就是财富。”
9
You spend first and save what''s left over.
你总是先花钱，后存钱
If you want to get rich, pay yourself first.
如果你想变富，要先给自己花钱。
''What most people do when they earn a dollar is pay everyone else first,'' David Bach, a self-made millionaire, wrote in ''The Automatic Millionaire.'' ''They pay the landlord, the credit card company, the telephone company, and on and on.''
白手起家的富豪David Bach在《The Automatic Millionaire》一书中写到，“大多数人，每当钱到账后首先就是把它给别人支付出去，付房租、信用卡、交电话费等等。”
Rather than spending and then saving whatever is left over, save first. Set aside an hour a day of your income — in an emergency fund,or other savings account — and make the process automatic, Bach says. This takes the effort out of manually saving and ensures your money will grow exponentially over time, thanks to compound interest.
Bach还说道，不应该是先花钱，然后把剩下的存起来，而是应该先存钱。把你收入的一部分存到应急基金，或者其他账户里，可以办成自动转账。这一方法，不需要你手动存钱，还可以保证你的钱随着时间的推移呈指数级增多，真是多亏了复利啊。
10
You believe getting rich is out of your reach.
你不相信自己可以变得富有
''The average person believes being rich is a privilege awarded only to lucky people,''Siebold wrote . ''The truth is, you have every right to be rich if you''re willing to create massive value for others.''
Siebold说道，“大多数人都觉得变富是有些幸运儿的特权，但真相是只要你可以为别人创造巨大的价值，你也有变富的权利。”
Start asking yourself, ''Why not me?'' he says. Next, start thinking big. Rich people set high expectations. Why not $1 million?
问问你自己吧，“为什么不是我？”Siebold说道。接下来开始思考。有钱人总是设定高期望值，那，咱也设定个小目标？先赚他个100万再说？
看完文章的普特er ，你们有什么生财有道的方法，欢迎留言分享。
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