【龙腾网】为什么大多数人成不了百万富翁？
评论翻译
Hector Quintanilla
Luigi wants to improve his skills; Mario wants to improve his knowledge.
Luigi works to improve his life; Mario works to improve other people's lives.
Luigi is focused on his needs; Mario is focused on others’ needs.
Luigi has one source of income; Mario has multiple income streams.
Luigi is focused on becoming more valuable; Mario is focused on delivering more value.
Luigi sells his time; Mario invests his time.
To answer your question, why will most people never become a millionaire?
Because of a wrong mindset.
Nobody cares about our awards; all people care is about what we can GIVE them.
Stop trying to be successful; start trying to be more valuable to others.
Stop trying to make money; the more value we give to the world, the more the world will pay us.
Money is attracted to delivered value, NOT fancy degrees on the wall.
Work hard to become a person of value; money will find you.
Share if you find this valuable!
路易吉想提高他的技能，马里奥想提升他的知识水平。
路易吉努力改善自己的生活，马里奥努力改善他人的生活。
路易基专注于自己的需求，马里奥则专注于他人的需求。
路易吉只有一个收入来源，马里奥有多个收入来源。
路易吉致力于变得更有价值，马里奥致力于提供更多的价值。
路易吉出卖他的时间，马里奥投资他的时间。
回答你的问题，为什么大多数人永远不会成为百万富翁？
因为错误的心态。
没有人关心我们获得了什么，所有人关心的都是我们能给他们什么。
不要竭力去追逐成功，开始尝试变得对别人更有价值。
不要竭力去赚钱，我们给予世界的价值越多，世界给予我们的就越多。
吸引金钱的是你能交付的价值，而不是墙上的华丽学位。
努力勤奋，成为一个有价值的人，金钱就会来找你。
Tinashe Mupfurutsa
Most people will not become millionaires.
Miserable reality but true…
without beating about the bush, most people do not have what it takes to become millionaires.
Here’s why:
1. You Are Afraid of Investing
It will be nearly impossible for the typical worker to become a millionaire without at least doing some investing. A few movie stars and pro athletes will break this rule, but from there they will have trouble making their money last if it is invested and grow over time.
2. You Are Not Saving Enough
Assuming you’ve overcome your irrational fear of the stock market and have crafted the perfect investment portfolio if you don’t save enough move along the way, you will never become a millionaire. After all, it is not what you make but what you keep.
3. You Ignore the Little Things
Five dollars here, twenty dollars there, all these little expenses can add up. Some are disguised as a convenience; others are just stupid. For example, have you ever picked up some magazines at the checkout line? Did you even think you could probably get a year’s subscxtion for the same price, or sometimes even less? Or you pay the exorbitant airline fees to check bags when you could get away with a carry-on. The list goes on and on. Moreover, so does the busting budget.
大多数人不会成为百万富翁。
现实很可悲，但却是事实.....
无需拐弯抹角，大多数人不具备成为百万富翁的条件。
以下是原因：
1. 害怕投资
对于一个普通劳动者来说，如果不进行一些投资，几乎不可能成为百万富翁，少数电影明星和职业运动员会打破这一规则，但自那以后，他们的钱必须用来投资并随着时间的推移而增长，否则他们将很难使其持久。
2. 储蓄不够多
假设你已经克服了对股市的非理性恐惧，并精心设计了完美的投资组合，但如果你在这一过程中没有足够的储蓄，你也永远不会成为百万富翁，毕竟，重要的不是你赚了多少，而是你留下了多少。
3. 忽略了一些小事
这里五块，那里二十块，你有没有想过所有这些小小的开支加起来总共会有多少，有些是伪装成一种便利的需要，有些则是愚蠢的。你有没有在排队结账的时候买过杂志？你有没有想过，你可能以同样的价格，甚至有时可以以更低的价格就能订阅一年的杂志？或者你有没有支付高昂的航空公司费用来托运行李，而你本可以合理安排行李并随身携带以避免这笔费用？这样的例子不胜枚举，此外，预算超支也是原因之一。
4. Lack of Patience
Most people simply do not have the patience to become millionaires.
Consider when you plant a seed in the ground, you probably don’t understand how the seed germinates a few days or weeks later. Neither does it help by checking the progress each day.
But a few weeks later when you check it, you’ll find that the buds have shot up and the plant is beginning to grow. A few more weeks and it becomes a big plant. All this takes some work, time, and a process.
This is where patience comes to play.
Seed is the raw material you put into the soil and work is the time and effort you invest. The process is what takes effect without your interference. It is beyond your control.
5. You Make Unhealthy Choices
Take the time and spend the money to ensure you are getting all of the necessary screening and physical exams that your health care professionals recommend. If you don’t have a primary physician, get one. Look to exercise (more) and increase the health value of the food you consume. I am aware that real food will cost more than junk food, but this is the one area I almost always advocate for people to spend more on
6. You Don’t Have A Spending Plan
First, take account of your major expenses that easily fit within your income. Secondly, your spending plan will pave the way for bigger splurge purchases – like a vacation or a new car, etc.
4. 缺乏耐心
大多数人根本没有成为百万富翁的耐心。
想想当你在地里种下一粒种子时，你可能不知道这粒种子在几天或几周后是如何发芽的，每天查看进度也没什么帮助。
但是几个星期之后，当你再次查看它的时候，你会发现芽已经长出来了，植物也开始生长了，再过几个星期，它就变成了一棵大植物，所有这些都需要一些工作、时间和过程。
这就是耐心的用武之地。
种子是你投入土壤的原材料，工作是你投入的时间和精力，这个过程就是在没有你的干预下生效的过程，这是你无法控制的。
5. 做出了不健康的选择
花时间和金钱确保你进行了所有必要的筛查和身体检查，这是你的健康护理专家会给你的建议，如果你没有家庭医生，那就去找一个，多锻炼身体，并增加你所消费食物的健康价值，我知道，真正（健康）的食物会比垃圾食品更贵，但这是我几乎总是主张人们花更多钱的一个领域。
6. 没有一个消费计划
首先，规划你的主要开支，要让支出贴合你的收入，其次，你的消费计划将为更大的挥霍性购买铺平道路——比如度假或买新车等等。
7. Inadequate Tax Planning
As we mentioned early, it's not what you make, but what you keep. Many people love to get big tax refunds, it’s like found money, right? No! The reality is, if you get a big tax refund, you have just given the government an interest-free loan. All this while you are suffering the consequences of paying sky-high credit card interest for the privilege.
8. ‘Shiny’ obxt Syndrome
Most people will not become millionaires because they suffer from the ‘shiny obxt syndrome. Like a small child chasing after shiny obxts, everyone suffers from the shiny obxt syndrome - a major distraction on the road to success.
Most people believe that to become a millionaire one needs to have that one lucky break like winning a lottery or stumbling upon a secret formula. In fact, most people believe that the millionaire trait is something you’re born with.
What a myth!
According to Forbes, 80% of the world’s richest people in 2017 were self-made meaning that only 20% inherited their wealth. In fact, 20% of that 80% are women.
9. You Chose the Wrong Career Path
For those who hate your job or career, it will show. This can result in slower career advancement over time. While it may be easier said than done, choosing the right career path that comes with the potential to earn enough to support your desired lifestyle and is something you actually enjoy is a major life quest for many. You many to balance taking a job you like (versus love) to get the money you need to bring more happiness is other parts of your life.
7. 税务规划不充分
正如我们之前提到的，重要的不是你赚了多少，而是你留下了多少，许多人喜欢获得大笔退税，这就像捡来的钱，对吗？不是！现实是，如果你得到了一大笔退税，你就等于给了政府一笔无息贷款，而在这一切的同时，你却在承受着为这一特权支付天价信用卡利息的后果。
8. "闪亮物体综合症"
大多数人不会成为百万富翁，因为他们患有 "闪亮物体综合症"，就像小孩子追逐闪亮的物体一样，每个人都患有闪亮物体综合症——这是通往成功之路上的一大困扰。
大多数人认为，要成为百万富翁，需要有一次幸运的机会，比如中了彩票或者偶然发现了一个秘密公式，事实上，大多数人还认为百万富翁的特质是与生俱来的。
但这却是个神话!
据《福布斯》报道，2017年世界上最富有的人中有80%是白手起家，这意味着只有20%通过继承得来财富，而且这80%中的20%是女性。
9. 选择了错误的职业道路
对于那些讨厌你的工作或职业的人来说，尤其明显，这可能会导致随着时间的推移，职业发展速度变慢。虽然说起来容易做起来难，但是对于很多人来说，选择一条正确的职业道路是一个重要的人生追求，这条道路有潜力赚取足够的钱来支持你想要的生活方式，并且是是你真正喜欢的东西，你要在你喜欢（不是热爱）的工作中取得平衡，以获得你需要的金钱，为你生活的其他部分带来更多的快乐。
10. You Chose The Wrong Spouse
There are many financial benefits to being married. Choosing the wrong spouse will make your quest to become a millionaire much more difficult. If one spouse is a spender and the other is a saver- the spender tends to win out. When considering a life partner, don’t forget to take into account how you each think about money.
11. You Lack Purpose In Life
Those who have a purpose or passion in life make it easier on themselves to get up every morning. Over the years, I’ve observed that many of my happiest and most successful financial planning clients actually love what they do. They move through life with an extra spring in their steps.
10. 选择了错误的配偶
结婚有很多经济上的好处，选择错误的配偶会使你成为百万富翁的道路更加艰难，如果一方是花钱的人，另一方是省钱的人，那么花钱的人往往会赢，当考虑人生伴侣时，不要忘记考虑你们各自对金钱的看法。
11. 缺乏生活目标
那些有生活目标或激情的人，会让自己每天早上更容易起床，多年来，我观察到，我的许多最快乐和最成功的财务规划客户事实上都非常喜欢他们的工作，热爱他们所做的事，他们在生活中脚步格外轻快。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Malwandla King
Because they are stingy.
Sorry but it’s just not as complicated as most think it is. People read about things like Warren Buffet’s frugal lifestyle (Mr. I-eat-cheap-cheeseburgers-and-drink-coke) and automatically think that’s what it takes to be really wealthy. The reality is that you need money to make money, especially if it’s a lot of money you’re after. You can easily exchange your time for a few hundred bucks, if you’re lucky you can even make a hundred thousand BUT truth remains that you will get to a point where you need to spend some money to multiply all that money you managed to make through exchanging your time. This is where the men are separated from the boys.This is why many working class people will never become millionaires (at least not while they are still healthy and don’t need a stick to walk while taking 5 pills every day for 3 different organs, hello retirement). They are stingy as fuck and think penny-pinching will help them get rich quicker. This a “I want to get something for nothing” mindset, life is not a fairy-tale. Pull the roses out your ass and smell the shit. If you want to be a millionaire you will have to spend some money along the way. A fancy term for this money you spend is called “investments”, these investments are not only made in the bank. You will need to pay for skills and resources. You will need to buy other people’s time.
You need to learn how to give away some of your money to get more back at a later time.
Full disclaimer: I am not saying eating cheeseburgers, sausages and drinking coca-colas everyday won’t make you a (fat) millionaire. I just know a lot of people who eat nice meals at Micky D’s on the regular but always seem to never have money to spend on starting their own business.
因为他们吝啬。
对不起，但这事并不像大多数人想的那么复杂。
人们从书里面看到沃伦 · 巴菲特奉行节俭的生活方式 ( Mr. 吃便宜芝士汉堡喝碳酸饮料先生) ，并自动认为这就是成为真正的富人所需要的东西，现实是，你需要钱来赚钱，特别是如果你想赚很多钱的话。
你可以很容易地用你的时间换取几百块钱，如果幸运的话，你甚至可以赚到十来万块钱，但事实是，你会到达一个点，你需要花一些钱来增加你通过交换时间而设法赚到的钱，这就是普通人和富人的分界点。
这就是为什么许多工薪阶层永远不会成为百万富翁（至少在他们仍然健康，不需要拄棍子走路，同时每天吃5颗药治疗3种不同器官5种的时候不会，之后就是退休了），他们非常吝啬，认为精打细算可以帮助他们更快致富，这是一种 "我想不劳而获 "的心态，生活不是一个童话故事，菊花里拔出来的玫瑰花，闻一闻只能是屎味，如果你想成为一个百万富翁，你将不得不在这条路上花一些钱，你花的这些钱的一个花哨的术语，叫做 "投资"，这些投资不仅仅是在银行进行的，你需要为技能和资源付费，你需要为购买其他人的时间付费。
你需要学习如何把你的一些钱送出去，以便在以后的时间里获得更多回报。
免责声明：我并不是说每天吃芝士汉堡、啃香肠，喝可口可乐就不会让你成为（胖）百万富翁，我只是知道有很多人经常在金拱门吃得很欢快，但似乎总是没有钱花在自己的生意上。
Rafael Eliassen
Because they don’t have the courage to ask for it — they don’t even think it’s a possibility.
Because they want quick fixes, that course, that scheme, that shiny thing. — they want it tomorrow but wealth is built long-term.
Because they are lazy thinkers — they don’t find better ways to provide value in the marketplace.
Because they don’t improve themselves— no time for financial literacy, developing skills, shifting mindset, etc.
Because they never take action. — they will never start any business or try anything and just feel good reading such answers.
Because they don’t save money — you can’t make money work for you if you don’t have any.
Because they have bad beliefs about money — “money is evil” and “If you make millions, you take away from the poor”.
Because they are scarcely selfish— they don’t want to provide value instead just want to make a quick buck and run.
Because they don’t budget and live above their means — poor financial skills.
Remember, money is a mindset game, fix yours.
因为他们没有勇气去追求——他们甚至认为这是不可能的。
因为他们想要快速的解决方案——这个课程，那个计划，那个闪亮的东西，他们明天就想要，但财富是长期积累的。
因为他们是懒惰的思考者——他们没有找到更好的方法来在市场上提供价值。
因为他们没有时间提高自己的理财能力，培养技能，改变思维方式等等。
因为他们从不采取行动——他们永远不会开始任何生意或尝试任何事情，阅读这些答案时却感觉良好。
因为他们不会省钱——如果你没有钱，你就不能让钱为你工作。
因为他们对金钱有不良的看法——“金钱是邪恶的”和“如果你赚了几百万，你就从穷人那里掏来的钱”。
因为他们不“自私”——他们不想提供价值，而只想快速赚到钱就跑。
因为他们不做预算，入不敷出——缺乏财务技能。
记住，赚钱是一种心态游戏，修正你的心态。
