【龙腾网】大家应该避免哪些个人理财错误
正文翻译
What personal finance mistakes should everyone avoid?
大家应该避免哪些个人理财错误？
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评论翻译
1. Jonathan Chen, Individual Investor / Voracious Reader Answered September 5, 2016
Top 5 Financial Mistakes Everyone Should Avoid
Obsessing over your investments - Think of yourself as a company with a balance sheet and a income statement. Your core business is actually your job, not your investment portfolio. Rather than obsessing over “the best investment”, invest in yourself – further education/training, or even starting your own business. Over your life time, your investment returns is paltry compared to your earned income.
1、沉迷于对自己的投资——把自己当成了一家拥有资产负债表和利润表的公司。你的核心业务实际上是你的工作，而不是你的投资。与其沉迷于“最好的投资”，不如投资自己——深造、培训，甚至是自己创业。在你的一生中，与你的收入相比，你的投资回报显得微不足道。
Most of our financial mistakes are direct results of emotional (illogical!) thinking. For example, getting one of these terrible-paying college degrees, because “I’ve always wanted to be a reporter”; spending tens of thousands on a wedding; or buying/leasing a new car when the old one runs just fine. All of which are exacerbated with borrowing. But when you start to think of yourself as a start-up company, you can start to make these decisions more rationally.
我们大多数的理财错误都是情绪化思考的直接结果。比如，因为“我一直想成为一名记者”，所以获得了一个这样的高薪大学学位;花费数万美元举办了一场婚礼;买或租了一辆新车，而旧的车还能正常运行。这些都会因为借款而雪上加霜。但当你开始把自己当成一个创业公司时，你就可以更理性地做出这些决定了。
Next time you’re planning to make a purchase, imagine you are a contestant on Shark Tank and think about what the sharks might say. Would they approve?
You: “I know my company isn’t profitable yet, but I’m going to borrow $100k for a law degree at a third tier law school, then I’m going to borrow another $20k for my wedding.”
The Sharks (in unison): “I’m out!”
下次当你打算购物时，你就想象自己是《Shark Tank》的参赛者，想想他们会怎么说。他们会批准吗?
你:“我知道我的公司还没有盈利，但我打算借10万美元去三流法学院攻读法律学位，然后再借2万美元筹办我的婚礼。”
参赛者(齐声):“我退出!”
2. Angela Nguyen, Traveller & Business Owner Answered September 1, 2016
Lifestyle Inflation: After a salary increase, most people will want to spend their money on new toys (cars, designer goods etc…). Avoid the desire to increase your spendings to “keep up” or because you feel entitled to a certain lifestyle. You will lose your ability to keep/generate more wealth.
1、生活方式膨胀：薪水涨了之后，大多数人会想把钱花在新的追求上，例如汽车、名牌商品等等。你需要避免为了“跟上潮流”而不断增加支出的欲望，或者你觉得自己有权享受某种生活方式，否则你将失去保持/创造更多财富的能力。
Not keeping track of expenses: Whether it's lending money to a family member/friend or spending recklessly every weekend, not knowing where your money is going can have big consequences. Keep track so you know the % of your money going down the drain and how to limit it.
2、不记录开支：不管是借钱给家人或朋友，还是每个周末花的钱，自己都不知道钱都花到哪里去了，这都会造成很大的后果。保持记录，这样你就知道你的钱浪费了多少，以及如何限制它。
No savings: Always, always have money saved up and ensure that you have set both short and long term finance goals to achieve! Most people I know don't have clear, defined finance goals so don't end up saving much. They usually spend first then save (should be the other way around). Sometimes, they end up with nothing to save so what do they do? Use their credit card for every little thing, rack up a massive debt, can't find the money to repay it, and end up paying extra in interest (imagine paying interest on top of your lunch)!
3、没有存款：一定要把钱存起来，确保你有短期和长期的财务目标!我认识的大多数人都没有明确清晰的理财目标，所以最后也没有存下多少钱。他们通常先花钱后存钱(正确的方式应该是反过来)。有时候，他们没有钱可以存，那他们该怎么办呢?每一件小事都使用信用卡，积累大量的债务，然后又找不到钱来偿还，最终不得不支付额外的利息！
3. Cody Shirk, Explorer, Investor - codyshirk.com Answered September 10, 2016
There is one rule that stands out more than any other.
Do not let your liabilities grow larger than your income.
This seems like such an obvious rule… but hardly anyone follows it.
People’s spending habits usually increase with their income flow.
So, no matter how much money someone makes, they often spend the same correlating amount.
有一条规则比其他任何规则都重要：
不要让你的负债超过你的收入。
这似乎是一个显而易见的规则，但几乎没有人遵守它。
人们的消费习惯通常随着收入的增加而增加。
所以，不管一个人赚了多少钱，他们通常花费的相关金额是相同的。
This practice of spending everything you make on things that do not make future returns is promoted by the culture we live in.
The idea of credit is what has fueled our economies, and in turn is promoted as a necessary part of our lives. This leads many people to extend their credit to the point that all of their money coming in is immediately going out.
把赚来的钱都花在将来不会有回报的东西上，这种做法是我们这个时代所提倡的。
信贷推动了我们的经济，反过来又被推广为我们生活中不可或缺的一部分。这导致许多人扩大他们的信用额度，从而他们所有的钱都会立即流动起来。
If you look at any wealthy person, you will find that their flow of money coming in is greater than the flow going out. Furthermore, the funds that are flowing out are not being spent on useless liabilities; they are being invested in assets that will provide even more returns in the future.
如果你观察过任何一个富人，你会发现他们流入的资金大于流出的资金。而且，流出的资金并没有花在无用的负债上，而是被投资在未来会提供更多回报的资产上。
If you can follow this one rule, then you will be assured to always have more money than you need.
I write about wealth building several times a week for free. Really, the most important part of becoming wealthy is just being consistently disciplined. It doesn’t take a high IQ or anything too complicated - just discipline.
如果你能遵循这一条规则，那么你就能保证自己的钱比你需要的多
我每周都会免费写几篇关于财富积累的文章。真的，致富最重要的一点就是要坚持纪律。这不需要高智商或任何太复杂的东西，只需要纪律。
Investing in something simply because his friends/relatives doing so
Believing his friends/relatives are experts in personal finance and asking for investment options from them
Not knowing in what he/she is investing
Believing whatever his financial advisor says
Not making budgets
Not maintaining emergency fund
Investing only to save income tax(without knowing about the investment plan)
Not having any financial goals
投资仅仅是因为自己的朋友/亲戚也这样做
· 相信自己的朋友/亲戚是个人理财专家,并向他们询问投资方案
· 不知道自己在投资什么
· 完全相信自己的财务顾问
· 没有做预算
· 没有应急资金
· 投资只是为了节省所得税(不了解投资计划)
没有任何财务目标
Not understanding the difference between investing and trading
Buying shares with the help of tips(mostly free tips)
Not getting professional advice on Personal Finance
Not mentioning nominees or not informing the nominees about the investments made
Not discussing about money/Personal Finance with family
Not having proper asset allocation
不理解投资和交易的区别
· 借助小道消息购买股票(主要是免费的消息)
· 没有得到专业的个人理财的建议
· 不提及或直接忽略投资的提名
· 不与家人讨论金钱/个人理财问题
资产配置不当
