中產階級與富人的10個不同之處(下)

middle class have things, the rich have money

5.中產階級看重實物，富人看重資金

"Too many people spend money they haven't earned, to buy things they don't want, to impress people that they don't like."--Will Rogers

太多人用沒掙到的錢來買他們不想要的東西，爲讓他們不喜歡的人另眼相看。--威爾·羅傑斯

Back to the fancy cars and big houses. That's where much of the middle class spend their money. Drive through a middle class neighborhood and you will usually see brand new cars, expensive landscaping and high-dollar homes. The rich understand that to become wealthy, you have to want money more than you want things. If you keep buying things, your money will keep going with them. It's funny how that works. For example, Warren Buffett still lives in the same home he bought in 1958. And he only paid $31,500 for it. Stop buying things and start focusing on keeping, saving and investing the money you earn. If you are a shopaholic, start shopping for assets. Become interested in investing, then look for bargains on stocks and businesses instead of shoes and electronics. That being said, it's not all about saving your money.

回到豪車和大房子上吧！這是很多中產階級花錢的地方。穿過他們的街區，經常會看到豪華的私家車，名貴的景觀,奢華的房子。富人知道：要想變得富有，你對金錢的渴望要大於對實物的渴望。如果你一直買東西，你的財富就會隨東西而去。財富的這種運作方式很有趣。比如，沃倫·巴菲特至今仍然住在他於1958年買的那所房子裏。當時他只花了31500美元。不要再買大量的東西了，要開始注重儲蓄、節約和投資你賺的錢。如果你是一個購物狂，就開始購買資產吧。變得對投資感興趣，然後尋找有利可圖的股票和生意，而不是鞋子和電子產品。常言道，存錢並不是富有之道。

middle class focus on saving, the rich focus on earning

4.中產階級關注存錢，而富人關注賺錢

"Your greatest asset is your earning ability. Your greatest resource is your time."--Brian Tracy

"你最大的資產是你賺錢的能力，你最重要的資源是你的時間。"--博恩·崔西

"If you would be wealthy, think of saving as well as getting."--Benjamin Franklin

"如果你變富有了，在存錢的同時不要忘了賺錢。"--本傑明·富蘭克林

Saving is important. Investing may be more important, but earning is the foundation of both. You understand that you need to save and invest, but to really achieve extravagant goals with them, you need to earn more. The rich understand this and work on creating more avenues to earn and earning more with the avenues they have. If you really want to become rich, work on your earning ability, not your saving ability.

儲蓄很重要，但投資也許更重要，而賺錢則是兩者的基礎。你充分理解儲蓄和投資的重要性，但是要真正地達到宏偉的目標，卻需要你通過儲蓄和投資去賺更多的錢。富人們知道這樣的道理，所以致力於創造更多的收入，並在這些收入的基礎上賺更多的錢。如果你想真正地變富，發揮你賺錢的能力，而不是你存錢的能力。

middle class are emotional with money, the rich are logical

3.中產階級感性對待金錢，而富人則理性對待。

"Only when you combine sound intellect with emotional discipline do you get rational behavior."--Warren Buffett

"只有當你把理智和情感的自律性結合起來，你纔是一個理性的人。"--沃倫·巴菲特

Steve Siebold interviewed over 1,200 of the world's wealthiest people over the past 30 years for his book "How Rich People Think", and according to him there are more than 100 differences in how rich people look at money compared to the middle class. One of the key differences he found was that the middle class see money through the eyes of emotion, but the rich see money through the eyes of logic. Making emotional financial decisions will ruin your finances. Warren Buffett explains that investing has much more to do with controlling your emotions, than it has to do with money. Emotions are what cause people to buy high and sell low. Emotions create dangerous business deals. Leave emotions out of this and turn to logic.

史蒂芬·西伯德爲了寫作《富人是如何思考的》，在過去的30年裏採訪了1200個世界上最富有的人。據史蒂芬所言，富人和中產階級對於金錢的觀點之間有上百個差異點。而其中一個關鍵不同之處在於，中產階級一般從情感的角度看待金錢，但富人卻從邏輯的角度來看待。衝動的決定會毀了你的財務狀況！沃倫·巴菲特解釋說，投資的重點在於控制你的衝動，而並非你有多少錢。衝動會讓人以高價買入，以低價賣出，導致危險的交易。所以捨棄衝動，迴歸邏輯吧！

middle class underestimate their potential, the rich set huge goals

2.中產階級低估了自己的潛力，而富人則把目標設的很高

"Set your goals high, and don't stop till you get there." --Bo Jackson

把你的目標設定高些，然後不要放棄,直到你成功爲止--博·傑克遜

The middle class set goals. Sometimes. It's the capacity of the goals that differ from the middle class to the rich. The middle class set safe goals that are easily obtainable. The rich set goals that seem impossible, difficult or crazy. But they know they are achievable. It all comes back to having the proper mindset. When you're setting your goals, ask yourself if they could be bigger. Ask yourself if that's really all you can do or if you can do more. I think you can do more.

有時，中產階級也會設定目標。但他們所設定的目標卻缺乏潛力，這也使富人與中產階級產生了區別。中產階級設立安全且很容易實現的目標。富人則設立那些看起來不可能的，困難的，甚至瘋狂的目標，但是他們知道他們可以實現，這來自於他們擁有適當的心態。當你設立目標時，問下你自己，是否可以把目標定得更高些，問一下自己，是否這些就是你所能做到最好的，或者，也許你可以去做更多。我想你可以做的更多。

middle class believe in hard work, the rich believe in leverage

1.中產階層相信努力工作，富人則相信手段

"It is much easier to put existing resources to better use than to develop resources where they do not exist."--George Soros

比起發現不存在的資源，更好地去利用現有的資源來的更容易--喬治·索羅斯

Hard work is a necessity. For all of us. If you want to reach the top (whatever that may be for you), you've got to put in the work. The problem is that hard work alone will rarely make you rich. You can't become rich by doing it all yourself. You have to use leverage to truly become rich and stay that way. Leverage works in many ways, from outsourcing to investing. The more leverage you can incorporate, the more time you will free up to work on the things that really matter in your business and your life. Some differences between the middle class and the rich are vast, while others may seem simple and minor. The fact is that if you want to become rich, you have to think like the rich and do the things the rich do.

對於我們而言，努力工作是必需的，如果你想要達到巔峯，就應該全身心投入工作。問題在於，單憑努力工作很難讓你變得富裕。你不能僅僅通過你自己而變得富裕，你需要通過其他手段去實現真正富有並且保持這一狀態。手段包括很多種，從外包到投資。你所掌握的手段越多，你就可以從工作中釋放出更多的時間去解決你生活和工作中真正重要的事情。中產階層和富人之間有一些區別是巨大的，同時也有一些區別看起來很簡單、細微。事實就是，如果你想變得富有，你就需要像富人一樣去思考，像富人一樣去做事。

審校：張茜 編輯：listen 來源：前十網