富爸爸穷爸爸 | 富人思维：做99%的人不会做的事情 | 中英文稿

The most obsolete idea is go to school, get a job,work hard, save money,get out of debt and invest for the long-term in the stock market. See, why would you save money when they're printing trillions of dollars?

最过时的想法是上学、找工作、努力工作、存钱、还清债务、在股市进行长期投资。你看，他们印了数万亿美元你为什么要存钱?

The gap between the 1% and 99% is massive. You see it's not just money, you have to step back and look at the bigger picture.

1%和99%之间的差距是巨大的。你看，这不仅仅是钱的问题，你必须退后一步，看看更大的图景。

So what do you do? In every one of us there's a poor person, there's still a poor person inside me. There's also a middle-class person and the middle-class person wants security, they want that steady paycheck.And there's a rich person. And they're all inside of us except that...

那你该怎么办？我们每个人心中都有一个穷人，我的内心也有一个穷人。还有一个中产阶级，中产阶级想要安全感，想要稳定的薪水。还有一个富人。它们都在我们体内，除了…

It's not taught. It's- you're taught to go to school, get a job and get a paycheck. Not taught how to get rich. If you've read Rich Dad Poor Dad, my rich dad refused to pay me. He said the paycheck was one of the most damaging things you can take in your life. He says the moment you take a paycheck you're an employee and that's the mindset. So my rich dad never paid me.

这不是教的。你被教育要去上学，找份工作，拿到薪水。没有被教过如何致富。如果你读过《富爸爸穷爸爸》，我的富爸爸拒绝给我发工资。他说薪水是你生命中最具破坏性的东西之一。他说，当你拿到薪水的时候，你就是雇员了，这就是心态。所以富爸爸从来不给我工资。

It drove my poor dad, you know, a government employee nuts. "You got to pay people, you got to pay people." And rich dad was not saying that the paycheck was bad, he says he didn't want to be a slave to money.

这让我可怜的父亲（你知道，他是一名政府雇员）发疯了， “你得给人发工资，你得给人发工资”。 富爸爸并不是说薪水不好，他说他不想成为金钱的奴隶。

So as an entrepreneur, you know, if rich dad folded I just try another company.I don't need a paycheck.I don't need anybody to take care of me. If my government doesn't like me, I move to another country because they need entrepreneurs there. So the entrepreneur is not so much the business, the entrepreneur is really the mindset and the skill sets and the different set of rules.

因此，作为一名企业家，你知道，如果富爸爸倒闭了，我就尝试另一家公司，我不需要薪水，我不需要任何人照顾我。如果政府不喜欢我，我就搬到别的国家去，因为那里需要企业家。因此，企业家并不在于企业，企业家真正在于心态、技能和不同的规则。

You see, I don't operate small business，does not operate in the same rules as big business. Entrepreneur is a mindset first, a skill set and rules. And depending upon whether you're an employee or small business the rules are different, the mindsets are different, the skill sets are different.

你看，我不经营小企业，不按照与大企业相同的规则经营。企业家首先是一种心态、一套技能和规则。根据你是员工还是小企业，规则不同，思维方式不同，技能也不同。

-If you could say one thing to somebody whose never been an entrepreneur and they're thinking about making the leap of faith into becoming an entrepreneur, what could you tell them?

-Well, I'll just tell them the same thing that happened to me.

-如果你可以对那些从未成为企业家的人说一件事，而他们正在考虑实现信仰的飞跃，成为一名企业家，你能告诉他们什么？

-好吧，我会告诉他们发生在我身上的同样的事情。

You know, my last paycheck, I still remember it clearly it was one of the worst and the best days of my life and I was in Puerto Rico,I was in, I was working for Xerox and my boss gave me my last, it wasn't a paycheck，it was a bonus check I think. It was about 30,000 bucks taxable, that's the only problem with that. So I get this check and I went, "Holy mackerel."

我还清楚地记得，那是我生命中最糟糕也是最美好的日子之一，我在波多黎各，我在施乐公司工作，我的老板给了我最后一份薪水，我想那不是薪水，而是奖金。那是3万美元的应税收入，这是唯一的问题。所以我拿到这张支票，然后说，“天哪!”

You know, I mean, so I was excited but I was also disturbed. And so this other guy comes up to me, his name was John and John says to me says to me this,"you're going to be back." I said "Why?" he says, "because you're going to fail." I looked at him and I said, "look...” ,few expletive words Because that's what he did, he left Xerox, failed and he came back. I said, "look...You fail and you came back, but I'm going to fail and I'm never coming back." and that's the attitude.

你知道，我的意思是，我很兴奋，但我也很不安。然后另一个人走到我面前，他叫约翰。约翰对我说："你会回来的。"“为什么?”他说，“因为你会失败。”我看着他说:“看……”，因为他就是这么做的，他离开了施乐，失败了，然后又回来了。我说:“看……你失败了，你回来了，但我要失败了，我再也不会回来了。" 这就是我的态度。

- Do you know what I mean, - yeah.

-你明白我的意思吗？-是的。

If you say, "Well, if I fail I'll go back to mommy and daddy" then that's what you'll do. So if you fail, that's when I became an entrepreneur because I had no money. I had no money for years. Yeah, I didn't have a paycheck.But that's what my rich dad encouraged me to do.

如果你说，“好吧，如果我失败了，我就回去找爸爸妈妈”，那你就会这么做。所以如果你失败了，那就是我成为企业家的时候，因为我没有钱。我有好多年都没钱。是的，我没有薪水。但这正是富爸爸鼓励我去做的。

He says when, when you don't have this paycheck you get hungrier, smarter and it's a test of your character. Will you become a crook? Will you become dishonest? Will you cheat and steal? Or will you become a better human being? So really that's the benefit of becoming an entrepreneur. You really find out who you are when you don't have anything. So you always have to look at the big picture.

他说，当你没有薪水的时候，你会变得更饥渴，更聪明，这是对你性格的考验。你会成为一个骗子吗?你会变得不诚实吗?你会欺骗和偷窃吗?还是你会成为一个更好的人?这就是成为企业家的好处。当你一无所有的时候，你才会真正发现自己是谁。所以你必须从大局出发。

Too many people look at, "well, what's, what's going to happen to me?" When you look at the big picture, you're also going to know that when something bad happens, something good is going to happen. But you gotta prepare for whatever is coming. If you think the next 20 years will be like the last 20 years, you're going to get creamed.

太多人只看 "好吧，我会怎么样？" 当你纵观全局时，你就会知道，当坏事发生时，也会有好事发生。但你必须为即将发生的一切做好准备。如果你认为未来 20 年会像过去20年一样，那么你就会被打败。

You know, when you and I go to the supermarket and we buy a carton of milk. We always check for the expiration date. But most people do not check for the expiration date on their brains.

你知道，当你和我去超市，我们买了一盒牛奶。我们总是检查保质期。但大多数人不会检查他们大脑的有效期。

Instead of getting out of debt I get into debt. I just refinanced 300 million in debt. I went from 5% to 2.5% interest. I made a fortune. Every month more money comes in，because my cost of money has gone down. So while some financial experts are saying get out of debt, I'm saying learn how to use debt.

我没有摆脱债务，反而陷入债务。我刚刚为3亿美元的债务进行了再融资。利息从5%降到了2. 5%，我赚了一大笔钱。每个月都有更多的钱进来，因为我的货币成本降低了。所以，当一些财务专家说要摆脱债务时，我却说要学会如何利用债务。

See when I came back from serving in Vietnam in January of 73, and the first thing my rich dad said to me was, "Go to school to learn how to invest in real estate." It wasn't real estate, it was how to use debt and taxes. Debt and taxes make the rich richer. Debt and taxes make the poor and middle class poorer.

1973年1月，当我从越南服役回来时，富爸爸对我说的第一件事就是:“去学校学习如何投资房地产。”问题不在于房地产，而在于如何利用债务和税收。债务和税收使富人更富。债务和税收让穷人和中产阶级更穷。

So all the rich guys who are doctors and lawyers or...you know, those guys, they're getting creamed.And they don't know why doctors are getting creamed?

所以所有的富人都是医生和律师，或者……你知道，那些家伙，他们都遭到重创。他们不知道为什么医生会遭受重创？

Oh, yeah, they're making more money but the take-home is less. You know, my doctor just yelled at me. He's happy, he says, "Oh, guess what I finally made a million dollars." And I said, "Yeah", this is just three weeks ago. And so I said, "Yeah, well how much you pay in tax?" He says, "$750,000 in taxes." So his net was about $400,000. That's not bad, but when I make a million bucks, I keep a million bucks. And the reason is because I don't make it by working for money. See if you work for money your taxed.

哦，是的，他们赚了更多的钱，但带回家的钱却少了。你知道，我的医生刚刚对我大喊大叫。他很高兴，他说，“哦，猜猜我终于赚到了一百万美元。” 我说，“是的”，这只是三周前的事。我说：“是的，那你缴了多少税？” 他说：“75万美元的税款。” 所以他的净资产约为40万美元。 这还不错，但是当我赚到一百万美元时，我就会保留一百万美元。原因是因为我不是靠工作赚钱的。看看你是否为了纳税的钱而工作。

So that's why lesson number one in Rich Dad Poor Dad is the rich don't work for money. What we do instead is we create businesses as entrepreneurs. We acquire real estate. I don't invest in the stock market. So the reason is because as entrepreneurs I have more control over my income, how much I make and how much I pay in taxes. And because I'm an entrepreneur as well as an investor in real estate, I pay zero tax.

这就是为什么《富爸爸穷爸爸》的第一课是富人不为钱工作。我们所做的是以企业家的身份创建企业。我们购置房地产。我不投资股票市场。原因在于，作为企业家，我对自己的收入、收入多少和纳税多少有更多的控制权。因为我既是企业家，也是房地产投资者，所以我的纳税额为零。

So every time I make， let's say a million dollars as an entrepreneur, I immediately invest it in real estate, and I have a 4 to 1 step up. So I put a million dollars in real estate, I get four million from the bank. That's why I love banks. But the banks are screwing everybody else, you know, terrible but it's good for me.

因此，每当我赚到一百万美元，比方说，作为一名企业家，我就会立即将其投资到房地产中，这样我就有了4比1的升值空间。所以，我把一百万美元投入房地产，就能从银行获得四百万美元。这就是我喜欢银行的原因。但银行在压榨其他人，你知道，这很糟糕，但对我有好处。

I thought you said when you print it's good for you, but when you print it's bad for people that work for money. Because when you print，savers get creamed, and people who work for money get creamed. When they print，debtors get rich. You see, debt and taxes make the rich richer, and debt and taxes make the poor and middle class poorer.

我记得你说过，印钞对你有好处。但印钞时，对那些为钱工作的人来说却是坏事。因为当你印钞时，储户会受到损失，而为钱而工作的人也会受到损失。当他们印钞时，债务人就会变得富有。你看，债务和税收让富人变得更富，债务和税收让穷人和中产阶级变得更穷。

When we have obsolete ideas we get obsolete results. So what's happening for most people? The idea of going to school, getting a job, working hard, saving money, getting out of debt, buying your house because it's an asset and investing for a long term.

当我们拥有过时的想法时，我们就会得到过时的结果。那么，对于大多数人来说发生了什么？上学、找工作、努力工作、存钱、摆脱债务、买房（因为房子是资产）、长期投资。

It's obsolete. The world has changed, the world changed in 1971 when President Nixon took us off the gold standard and money became debt.

它已经过时了。 世界已经改变，1971 年尼克松总统让我们放弃金本位制，货币变成了债务，世界就改变了。

the gold standard 金本位制度：一种货币制度，将货币的价值与一定重量的黄金挂钩，使货币的发行量受到黄金储备的限制。

What if we get rid of school then what would happen? Would it be better if we had no educational system at all? No, I'm saying education was more important before, it's just obsolete.

如果我们不上学会怎么样?如果我们没有教育系统会更好吗?不，我是说以前教育更重要，现在已经过时了。

You know, there's Moore's Law that...Moore's Law which states information doubles every 18 months. In other words, everything is obsolete, 18 months. So, and this is a recent phenomenon. So when you come out of school, you're already obsolete, and that's why I'm the old guy. You know, I meet my friends, I went to Harvard. Yeah, I went to Harvard. I said, "Yeah, that was how long 50 years ago?"

你知道，摩尔定律说…摩尔定律指出信息每18个月翻一番。换句话说，18个月后，一切都过时了。这是最近的一个现象。所以当你从学校出来的时候，你已经过时了，这就是为什么我是那个老家伙。你知道，我认识了我的朋友，我去了哈佛。是的，我上过哈佛。我说:“是啊，那是50年前的事吗?”

Today the banks are charging you interest to save money. In other words, the banks don't want your money because they've printed too much of it. And that's why there's bubbles and stocks and bubbles in real estate and all this. People are dumping the cash.

今天银行向你收取利息以省钱。换句话说，银行不想要你的钱，因为他们印了太多的钱。这就是为什么会有泡沫，股票泡沫，房地产泡沫等等。人们正在抛售现金。

Because as I said in here, "Savers are losers and cash is trash." And yet people are, "Well, I want a high-paying job." Well, that's an obsolete idea. Get out of debt, it's an obsolete idea. You should learn how to get into debt. How to you use debt to get rich. And they'll never teach you about taxes.

因为我在这里说过 "储户是输家，现金是垃圾。" 但人们却说，"我想要一份高薪工作" 。嗯，这是一个过时的想法。摆脱债务，这是过时的想法。你应该学会如何负债，如何利用债务致富。他们从来不会教你税务知识。

The reason the 1% is way up here and the 99% are going this way is because when you print money two things happen, inflation and taxes. It's crushing them.

1%的人在这里大涨，而99%的人却在走下坡路的原因是，当你印钞票时，会发生两件事：通货膨胀和税收。这压垮了他们。

And any entrepreneur that thinks:"I'm just going to make money and start a business and make a lot of money because that what we talk about.” They really have got to smell the roses man.

任何企业家都会认为："我就是要赚钱，就是要创业，就是要赚大钱，因为这就是我们所谈论的"。他们真得好好闻闻玫瑰花香了。

You know, that's not what the real entrepreneurs are doing. Most entrepreneurs, there's 28 million small business owners in America, 24 million are, are one person entrepreneurs. They're called non-employee entrepreneurs. So that because, and that's what happens is when people don't really understand what an entrepreneur does. So most people are self-employed, but they're not really entrepreneurs.

你知道，这不是真正的企业家所做的。 大多数企业家，美国有2800万小企业主，其中2400万是个人企业家。他们被称为非雇员企业家。因为，当人们并不真正了解企业家所做的事情时，就会发生这种情况。所以大多数人都是个体经营者，但他们并不是真正的企业家。

The self-employed pay the highest taxes of all and nobody tells them that. Yeah, it's also called the entrepreneurial spirit. But what we're actually talking about was there's no such thing as a bad economy.

自雇人士缴纳的税最高，但没有人告诉他们这一点。是的，这也叫企业家精神。但我们实际上讨论的是，根本就没有经济不景气这回事。

You know those externally, you and I, we all have an external economy. But we also have an internal economy, and the will power is to change our internal economy. So for me, I can see the good,I can see the bad, I don't really give a damn. Because I'm going to be rich anyway.

要知道，你我都有外部经济。但我们也有内部经济，而意志力就是改变我们的内部经济。所以对我来说，我能看到好的，也能看到坏的，我真的不在乎。因为无论如何我都会变得富有。

But a poor person with a poor personal economy, all they're going to see is a bad economy. Because they don't know how to make money in any economy. And a middle-class person, they have a middle-class economy. You know what they want is a nice house, a steady paycheck and the job and the car. And so when you take their job away，to them that's disaster. Well since an entrepreneur doesn't have a job anyway, it's no big deal.

但对于个人经济状况不佳的穷人来说，他们所看到的只是糟糕的经济。因为他们不知道如何在任何经济体中赚钱。而一个中产阶级的人，他们拥有中产阶级的经济。你知道他们想要的是一栋漂亮的房子、稳定的薪水、工作和汽车。所以当你剥夺他们的工作时，对他们来说那就是灾难。既然企业家没有工作，那也没什么大不了的。

So all I'm saying to people is what Bucky Fuller taught me. There's always two sides, you know what I mean, you know to use plural at minimum two. So if you think the economy is bad, it's because your economy is bad. If you think that steady, you know, employment is important, then you'll see an economy without jobs.

所以我对大家说的都是巴奇·富勒教我的。凡事都有两面，你知道我的意思，你知道至少要用复数的两面性。所以如果你认为经济不好，那是因为你的经济不好。如果你认为稳定的就业很重要，那么你就会看到一个没有就业机会的经济。

Your economy, your economy versus the external economy. Where you control VS where you can't control. I can control yes, it's called, it's called an internal focus versus an external focus. So the real entrepreneur has an internal focus, but if they fall down they say, "Oh, this is good because I'm going to go up higher."

你的经济，你的经济与外部经济。你能控制的地方与你不能控制的地方。我能控制是的，这就是所谓的内部关注与外部关注。所以，真正的企业家都有内在的关注点，但如果他们跌倒了，他们会说："哦，这很好，因为我会爬得更高"。

You know, the average person will fall down and say "Oh, I'm going to take some Prozac." Or, or the- or somebody has the mistakes, all the mistakes don't matter well. Mistakes, mistakes matter, it means you didn't know something.

你知道，普通人跌倒后会说 "哦，我要吃点百忧解" 或者，或者--或者有人犯了错误，所有的错误都不重要。错误，错误很重要，它意味着你不知道什么。

But a real entrepreneur whether they fall down or they go, they always can go up. They can stand back up and go higher. That no matter what happens to them, they got stronger and better and smarter and happier.

但真正的企业家，无论跌倒还是走，总能爬起来。 他们可以站起来并走得更高。 无论他们发生什么，他们都会变得更强、更好、更聪明、更快乐。

But a person with a weak internal mindset,is that they're so afraid of what happens, it generally happens. Like, you know, people who are afraid of losing their jobs they generally lose their jobs.

但是一个内心脆弱的人，他们害怕发生的事情，一般都会发生。就像，你知道，害怕丢掉工作的人一般都会丢掉工作。

- You know what I mean, - yeah,

- 你知道我的意思。-是的。

No doubt, so everything comes through you. Yeah, so the entrepreneur first job is control inside here not outside there.

毫无疑问，所以一切都是通过你来实现的。 是的，所以企业家的首要任务是控制内部而不是外部。

The moment you take that paycheck you're an employee. You've got to be stronger than that. It's about inside control.

从你领取薪水的那一刻起，你就是一名雇员。 你必须比那更强。 这是关于内部控制。

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