富人隐瞒的最大的金钱秘密是什么？
正文翻译
What are the biggest money secrets that rich people keep from us?
富人隐瞒的最大的金钱秘密是什么？
What are the biggest money secrets that rich people keep from us?
富人隐瞒的最大的金钱秘密是什么？
评论翻译
Charlotte Vogel,Operations Research Analyst
It’s common knowledge that millionaires handle their money differently than many, but what’s their secret? I’ve come to discover that the super wealthy have a different set of beliefs, philosophies and strategies. Their secret to getting rich isn’t merely in the mechanics of money; rather, in their values and level of thinking.
These are some of the secrets the rich adopt that you can also put into practice in your own life;
The rich get richer by saving and investing early then using that money to make even more money for themselves. While this is true, those who invest online without exercising due diligence usually lose their money in the process. In most cases, said stolen investment can be retrieved when you employ the proficiency of authorities like Finrecoup/org as they have a record of mitigating the influence of fraudulent practices and reversing situations that would have otherwise resulted in financial setbacks.
众所周知，百万富翁的理财方式与许多人不同，但他们的秘诀是什么呢? 我逐渐发现，超级富豪有一套不同的信仰、哲学和策略。他们致富的秘诀不仅仅在于金钱机制; 而是在于他们的价值观和思维水平。
这些都是富人的秘诀，你也可以在自己的生活中实践。
富人通过早期储蓄和投资，然后用这些钱生钱，从而变得更富有。虽然这是事实，但那些没有进行尽职调查的在线投资通常会在这个过程中赔钱。在大多数情况下，当你熟练使用finrecop /org等权威机构时，所述被盗投资可以找回，因为他们有减轻欺诈行为的影响和扭转本来会导致财务挫折的情况的记录。
It’s common knowledge that millionaires handle their money differently than many, but what’s their secret? I’ve come to discover that the super wealthy have a different set of beliefs, philosophies and strategies. Their secret to getting rich isn’t merely in the mechanics of money; rather, in their values and level of thinking.
These are some of the secrets the rich adopt that you can also put into practice in your own life;
The rich get richer by saving and investing early then using that money to make even more money for themselves. While this is true, those who invest online without exercising due diligence usually lose their money in the process. In most cases, said stolen investment can be retrieved when you employ the proficiency of authorities like Finrecoup/org as they have a record of mitigating the influence of fraudulent practices and reversing situations that would have otherwise resulted in financial setbacks.
众所周知，百万富翁的理财方式与许多人不同，但他们的秘诀是什么呢? 我逐渐发现，超级富豪有一套不同的信仰、哲学和策略。他们致富的秘诀不仅仅在于金钱机制; 而是在于他们的价值观和思维水平。
这些都是富人的秘诀，你也可以在自己的生活中实践。
富人通过早期储蓄和投资，然后用这些钱生钱，从而变得更富有。虽然这是事实，但那些没有进行尽职调查的在线投资通常会在这个过程中赔钱。在大多数情况下，当你熟练使用finrecop /org等权威机构时，所述被盗投资可以找回，因为他们有减轻欺诈行为的影响和扭转本来会导致财务挫折的情况的记录。
Millionaires don’t always look like millionaires. That’s because they spend their money modestly instead of pretentiously. Think crockpot meals at home instead of trendy restaurant dinners, a 28-cent cup of coffee from home instead of a $4.95 Starbucks grande mocha.
If you use a credit card for convenience and emergencies, be sure to pay it off every month. The average person owes $4,717 in credit card debt. And the average interest rate on credit cards is 15 percent. If you paid the minimum payment of $189 every month for 10 years, you’d end up paying $18,155 in interest. Pay off the balance right away and you get that extra $18,155 in your pocket.
Spend some time thinking about your future goals. Maybe you’re hoping to travel, send your kids to college, retire comfortably or all of the above. Just remember that a little short-term sacrifice can pay big dividends in the future. With your goals in mind and some figures to work with, a retirement savings calculator can give you a better understanding of what you’ll need to meet your future financial goals.
Achieving massive goals is never a walk in the park. Those who push forward get rewarded. Consider making a list of five things you must do today that may be uncomfortable, but will get you a few steps closer to great wealth.
Good luck.
百万富翁并不总是看起来像百万富翁。那是因为他们花钱很谦虚，而不是自命不凡。想想看，他们在家里吃饭而不是在时髦的餐厅吃饭，在家喝一杯28美分的咖啡而不是4.95美元的星巴克大杯摩卡。
如果你为了方便和紧急情况使用信用卡，一定要每个月还清。人均信用卡债务为4717美元。信用卡的平均利率是15%。如果你连续10年每月支付189美元的最低还款额，你最终将支付18,155美元的利息。马上付清余额，你的口袋里就会多出18155美元。
花点时间思考你未来的目标。也许你希望去旅行，送孩子上大学，舒适地退休或以上所有。只要记住，短期的小小牺牲可能会在未来带来巨大的回报。考虑到你的目标和一些数据，退休储蓄计算器可以让你更好地了解你需要什么来实现你未来的财务目标。
实现巨大的目标绝不是在公园里散步。那些勇往直前的人会得到回报。考虑列出五件你今天必须做的5件事情，这些事情可能会让你不舒服，但会让你离巨大的财富更近一步。
祝你好运。
If you use a credit card for convenience and emergencies, be sure to pay it off every month. The average person owes $4,717 in credit card debt. And the average interest rate on credit cards is 15 percent. If you paid the minimum payment of $189 every month for 10 years, you’d end up paying $18,155 in interest. Pay off the balance right away and you get that extra $18,155 in your pocket.
Spend some time thinking about your future goals. Maybe you’re hoping to travel, send your kids to college, retire comfortably or all of the above. Just remember that a little short-term sacrifice can pay big dividends in the future. With your goals in mind and some figures to work with, a retirement savings calculator can give you a better understanding of what you’ll need to meet your future financial goals.
Achieving massive goals is never a walk in the park. Those who push forward get rewarded. Consider making a list of five things you must do today that may be uncomfortable, but will get you a few steps closer to great wealth.
Good luck.
百万富翁并不总是看起来像百万富翁。那是因为他们花钱很谦虚，而不是自命不凡。想想看，他们在家里吃饭而不是在时髦的餐厅吃饭，在家喝一杯28美分的咖啡而不是4.95美元的星巴克大杯摩卡。
如果你为了方便和紧急情况使用信用卡，一定要每个月还清。人均信用卡债务为4717美元。信用卡的平均利率是15%。如果你连续10年每月支付189美元的最低还款额，你最终将支付18,155美元的利息。马上付清余额，你的口袋里就会多出18155美元。
花点时间思考你未来的目标。也许你希望去旅行，送孩子上大学，舒适地退休或以上所有。只要记住，短期的小小牺牲可能会在未来带来巨大的回报。考虑到你的目标和一些数据，退休储蓄计算器可以让你更好地了解你需要什么来实现你未来的财务目标。
实现巨大的目标绝不是在公园里散步。那些勇往直前的人会得到回报。考虑列出五件你今天必须做的5件事情，这些事情可能会让你不舒服，但会让你离巨大的财富更近一步。
祝你好运。
Hp02121，Former Retired
I have a childhood friend named Stan. He and I grew up in what is now a very dangerous part of Boston called Dorchester. Stan is 78 and I am 79. After I moved away from Boston in 1967, I lost touch with Stan. Thanks to social media we reconnected in 2015. Stan still lives in the Boston area and I live near Washington, DC. We both came from poor families.
I finally got to see Stan in 2018, and of course we reminisced about the “good old days.” I talked about my life over the intervening period of time, and he talked about his.
我有个儿时的朋友叫斯坦。他和我在现在波士顿一个非常危险的地方——多切斯特长大。斯坦78岁，我79岁。1967年我离开波士顿后，就和斯坦失去了联系。多亏了社交媒体，我们在2015年重新建立了联系。斯坦仍然住在波士顿地区，而我住在华盛顿特区附近。我们都来自贫穷的家庭。
2018年，我终于见到了斯坦，当然，我们回忆起了“过去的美好时光”。我谈到了这段时间里的生活，他也谈到了他的生活。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
I have a childhood friend named Stan. He and I grew up in what is now a very dangerous part of Boston called Dorchester. Stan is 78 and I am 79. After I moved away from Boston in 1967, I lost touch with Stan. Thanks to social media we reconnected in 2015. Stan still lives in the Boston area and I live near Washington, DC. We both came from poor families.
I finally got to see Stan in 2018, and of course we reminisced about the “good old days.” I talked about my life over the intervening period of time, and he talked about his.
我有个儿时的朋友叫斯坦。他和我在现在波士顿一个非常危险的地方——多切斯特长大。斯坦78岁，我79岁。1967年我离开波士顿后，就和斯坦失去了联系。多亏了社交媒体，我们在2015年重新建立了联系。斯坦仍然住在波士顿地区，而我住在华盛顿特区附近。我们都来自贫穷的家庭。
2018年，我终于见到了斯坦，当然，我们回忆起了“过去的美好时光”。我谈到了这段时间里的生活，他也谈到了他的生活。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
I was astounded to learn that he is a multimillionaire. He didn't strike it rich, or win the lottery, or inherit the money. He didn't buy shares of Apple or Microsoft when they both went public. What he did was save 10% of his paycheck every week. Stan was an accountant and went to work for a medium size come in the housing industry. Over a few years he became the head accountant and started to learn about finance and investments. He worked fo4 the same company for over forty years. By the time he retired at the age of 73, all of his money and his investments had grown to several million dollars.
Stan never spent money foolishly. He stayed out of credit debt. He paid cash for his and he keeps them for about 10 years. He wears a Timex watch when he could afford a Rolex. His secret to becoming a millionaire was to save and invest and not spend money foolishly. Stay out of credit debt, and live below your means. It's not a big secret, but for most people, it's very hard to do
听说他是个千万富翁，我很吃惊。他没有一夜暴富，也没有中彩票，也没有继承遗产。当苹果和微软上市时，他没有购买它们的股票。他所做的就是每周把工资的10%存起来。斯坦是一名会计，后来在一家中等规模的房地产公司工作。几年后，他成为了首席会计师，并开始学习金融和投资。他在同一家公司工作了四十多年。到他73岁退休时，他所有的钱和投资已经增长到几百万美元。
斯坦从来不乱花钱。他没有信用债务。他使用现金支付，维持了大约10年。他买得起劳力士表，但他却戴天美时的手表。他成为百万富翁的秘诀是储蓄和投资，而不是愚蠢地花钱。远离信用债务，生活节俭。这不是什么大秘密，但对大多数人来说，这很难做到。
Stan never spent money foolishly. He stayed out of credit debt. He paid cash for his and he keeps them for about 10 years. He wears a Timex watch when he could afford a Rolex. His secret to becoming a millionaire was to save and invest and not spend money foolishly. Stay out of credit debt, and live below your means. It's not a big secret, but for most people, it's very hard to do
听说他是个千万富翁，我很吃惊。他没有一夜暴富，也没有中彩票，也没有继承遗产。当苹果和微软上市时，他没有购买它们的股票。他所做的就是每周把工资的10%存起来。斯坦是一名会计，后来在一家中等规模的房地产公司工作。几年后，他成为了首席会计师，并开始学习金融和投资。他在同一家公司工作了四十多年。到他73岁退休时，他所有的钱和投资已经增长到几百万美元。
斯坦从来不乱花钱。他没有信用债务。他使用现金支付，维持了大约10年。他买得起劳力士表，但他却戴天美时的手表。他成为百万富翁的秘诀是储蓄和投资，而不是愚蠢地花钱。远离信用债务，生活节俭。这不是什么大秘密，但对大多数人来说，这很难做到。
Kim Birck，I studied Civics in HS & Political Science in College.
You don’t get rich by spending money.
Read The Millionaire Next Door. You don’t have to invent an electric car or a space craft to be extremely comfortable. You just have to quit wasting money.
Designer coffee and smoking both waste scads of money. Buying a new car when your old one is still serviceable, buying more house than you can afford and paying a never-ending mortgage, manicures and pedicures, subscxtions to all the streaming services, all these things eat up money that you could be saving and investing. Compound interest and reinvesting interest and dividends. Mutual funds, especially index funds, are good places to have parked your excess coin when you were young. Maximum investment in your job’s 401K or pension plan.
Keeping up with the Joneses is expensive. And unless you ARE the Joneses, you’re just chasing your tail and running in circles.
Get smart, get out of debt, listen to (or read) Dave Ramsey. You can do it, if you try.
But best to have started 10 years ago..
花钱是不会致富的。
读一读《隔壁的百万富翁》。你不必发明一辆电动汽车或一艘太空船，就能让你无比舒适。你只需要停止浪费钱。
名牌咖啡和抽烟都是浪费钱。在你的旧汽车还可以使用的时候买一辆新车，买超出你承受能力的房子，还没完没了的抵押贷款，美甲和足疗，订阅所有的流媒体服务，所有这些事情都消耗了你本可以存起来和投资的钱。复利和再投资利息和股息。共同基金，尤其是指数基金，是你年轻时存放多余资金的好地方。最大限度地投资于你工作的401K或养老金计划。
跟上琼斯的脚步是昂贵的。除非你是琼斯家的人，否则你只是在追着自己的尾巴兜圈子。
聪明点，还清债务，听听(或读读)戴夫·拉姆齐的言论。只要你努力，你就能做到。
但最好是10年前开始。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
You don’t get rich by spending money.
Read The Millionaire Next Door. You don’t have to invent an electric car or a space craft to be extremely comfortable. You just have to quit wasting money.
Designer coffee and smoking both waste scads of money. Buying a new car when your old one is still serviceable, buying more house than you can afford and paying a never-ending mortgage, manicures and pedicures, subscxtions to all the streaming services, all these things eat up money that you could be saving and investing. Compound interest and reinvesting interest and dividends. Mutual funds, especially index funds, are good places to have parked your excess coin when you were young. Maximum investment in your job’s 401K or pension plan.
Keeping up with the Joneses is expensive. And unless you ARE the Joneses, you’re just chasing your tail and running in circles.
Get smart, get out of debt, listen to (or read) Dave Ramsey. You can do it, if you try.
But best to have started 10 years ago..
花钱是不会致富的。
读一读《隔壁的百万富翁》。你不必发明一辆电动汽车或一艘太空船，就能让你无比舒适。你只需要停止浪费钱。
名牌咖啡和抽烟都是浪费钱。在你的旧汽车还可以使用的时候买一辆新车，买超出你承受能力的房子，还没完没了的抵押贷款，美甲和足疗，订阅所有的流媒体服务，所有这些事情都消耗了你本可以存起来和投资的钱。复利和再投资利息和股息。共同基金，尤其是指数基金，是你年轻时存放多余资金的好地方。最大限度地投资于你工作的401K或养老金计划。
跟上琼斯的脚步是昂贵的。除非你是琼斯家的人，否则你只是在追着自己的尾巴兜圈子。
聪明点，还清债务，听听(或读读)戴夫·拉姆齐的言论。只要你努力，你就能做到。
但最好是10年前开始。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Leia Clark，Happily divorced from a bipolar narc.
My grandparents were definitely upper middle class. They owned a big house, had a ton of savings for retirement, paid cash for new cars, traveled, had expensive jewelry, etc. Grandpa started off from a small town. Grandma grew up poor. Here’s how they got, and stayed, rich.
Spending lots of years being poor, doing without, and always living within their means. Those years of playing cards for entertainment returned the investment later when they could go on cruises.
Taking good care of cars. Every 5 years they would take turns buying a new car. They took excellent care of the cars in both maintenance and cleanliness. When they went to buy a new car, they would get absolute top trade in value.
Taking care of their health. No booze, cigarettes, weed, drugs, or junk food. They had an amazing garden and exercised regularly. If you think exercise and healthy eating are too expensive, look at medical bills for heart disease, diabetes, dental care, cancers, etc.
我的祖父母绝对是中上层阶级。他们有一所大房子，有大量的退休储蓄，用现金买新车，旅行，有昂贵的珠宝等等。爷爷从一个小镇开始发家。奶奶从小家境贫寒。以下是他们致富并保持富有的方式。
穷了很多年，一无所有，总是量入为出。这些年来，他们为了娱乐而打牌，后来当他们可以去游轮旅行时，投资回报来了。
好好保养汽车。他们每5年轮流买一辆新车。他们把汽车保养和清洁的很好。当他们去买一辆新车时，他们会得到绝对最高的折价。
保持健康。禁止饮酒、吸烟，大麻，毒品和垃圾食品。他们有一个漂亮的花园，还经常锻炼。如果你认为锻炼和健康饮食太昂贵，看看心脏病、糖尿病、牙科保健、癌症等的医疗费用。
My grandparents were definitely upper middle class. They owned a big house, had a ton of savings for retirement, paid cash for new cars, traveled, had expensive jewelry, etc. Grandpa started off from a small town. Grandma grew up poor. Here’s how they got, and stayed, rich.
Spending lots of years being poor, doing without, and always living within their means. Those years of playing cards for entertainment returned the investment later when they could go on cruises.
Taking good care of cars. Every 5 years they would take turns buying a new car. They took excellent care of the cars in both maintenance and cleanliness. When they went to buy a new car, they would get absolute top trade in value.
Taking care of their health. No booze, cigarettes, weed, drugs, or junk food. They had an amazing garden and exercised regularly. If you think exercise and healthy eating are too expensive, look at medical bills for heart disease, diabetes, dental care, cancers, etc.
我的祖父母绝对是中上层阶级。他们有一所大房子，有大量的退休储蓄，用现金买新车，旅行，有昂贵的珠宝等等。爷爷从一个小镇开始发家。奶奶从小家境贫寒。以下是他们致富并保持富有的方式。
穷了很多年，一无所有，总是量入为出。这些年来，他们为了娱乐而打牌，后来当他们可以去游轮旅行时，投资回报来了。
好好保养汽车。他们每5年轮流买一辆新车。他们把汽车保养和清洁的很好。当他们去买一辆新车时，他们会得到绝对最高的折价。
保持健康。禁止饮酒、吸烟，大麻，毒品和垃圾食品。他们有一个漂亮的花园，还经常锻炼。如果你认为锻炼和健康饮食太昂贵，看看心脏病、糖尿病、牙科保健、癌症等的医疗费用。
Not committing crimes. I’ve done the math: by the time you add up the amount of time, supplies, and equipment used for the crime, sold stolen goods at a fraction of the value, and divided the proceeds among partners, you’re making lower class wages. And that’s if you don’t get caught. If you get caught, it’s expensive AF. That can permanently put you in the poor house, plus it’s almost impossible to get a job. Financially, you’re better off being a fry guy. You make the same amount of money as not getting caught, and you get free fries.
Working through school and taking community college classes. Both my grandparents worked their way through college. They took every class they could at community colleges because it was much cheaper. Don’t take basic classes from universities. It’s a rip off. Even if it takes you longer, work your way through school.
Buy quality, not trendy brands. Buying good quality whenever possible, will save you money in the long run. They also bought many quality items second hand over the years because that quality was a better investment than flashy new crap.
不犯罪。我算过了:当你把作案所用的时间、用品和设备加起来，把偷来的东西以一小部分的价格卖掉，再把收益分给合作伙伴时，你的工资水平就更低了。前提是你没被抓。如果你被抓了，代价会很昂贵。这会让你永远住在贫困的房子里，而且几乎不可能找到工作。从经济上来说，你最好去做个炸薯条。你赚的钱和没被抓一样多，还能得到免费薯条。
在学校打工，参加社区大学的课程。我的祖父母都是靠工作读完大学的。他们尽可能地参加社区大学的所有课程，因为那里便宜得多。不要选择大学里的基础课程。这是一个骗局。即使需要更长的时间，也要努力完成学业。
购买优质产品，而不是时尚品牌。只要有可能就买质量好的，从长远来看会为你省钱。这些年来，他们还购买了许多高质量的二手商品，因为高质量的商品比华而不实的新垃圾商品更值得投资。
Working through school and taking community college classes. Both my grandparents worked their way through college. They took every class they could at community colleges because it was much cheaper. Don’t take basic classes from universities. It’s a rip off. Even if it takes you longer, work your way through school.
Buy quality, not trendy brands. Buying good quality whenever possible, will save you money in the long run. They also bought many quality items second hand over the years because that quality was a better investment than flashy new crap.
不犯罪。我算过了:当你把作案所用的时间、用品和设备加起来，把偷来的东西以一小部分的价格卖掉，再把收益分给合作伙伴时，你的工资水平就更低了。前提是你没被抓。如果你被抓了，代价会很昂贵。这会让你永远住在贫困的房子里，而且几乎不可能找到工作。从经济上来说，你最好去做个炸薯条。你赚的钱和没被抓一样多，还能得到免费薯条。
在学校打工，参加社区大学的课程。我的祖父母都是靠工作读完大学的。他们尽可能地参加社区大学的所有课程，因为那里便宜得多。不要选择大学里的基础课程。这是一个骗局。即使需要更长的时间，也要努力完成学业。
购买优质产品，而不是时尚品牌。只要有可能就买质量好的，从长远来看会为你省钱。这些年来，他们还购买了许多高质量的二手商品，因为高质量的商品比华而不实的新垃圾商品更值得投资。
Take care of your stuff. Keep the house clean and do repairs as soon as you can. Do as much housework and home repairs yourself as you can. This includes your clothing.
Invest in things that save money. They got energy efficient everything. This also means reusable vs disposable.
Avoid debt. Interest kills your bank account.
Eat in and take sack lunches to work. People hemorrhage crazy money on takeout. This includes vending machines and Starbucks.
Save, save, save. Even if it’s chump change. My grandparents could have lived much fancier and still been within their means, but they saved a lot so they could be well taken care of when they were old and needed help.
lots of tedious research. Grandpa researched all the different types of savings and insurance you can use to pay for retirement homes and home health care. He discovered that there are a lot of limits and gaps, so he did the tedious work of putting a plan together that made sure they were taken care of.
管好你的东西。保持房子清洁，尽快修理。尽可能多地做家务，自己修房子。这包括你的衣服。
投资能省钱的东西。他们什么都节能。这也意味着可重复使用 vs 一次性使用。
避免债务。利息会耗尽你的银行存款。
在家吃饭，带便当去上班。人们在外卖上花了很多钱。这包括自动售货机和星巴克。
存钱x3，即使是小钱。我的祖父母本可以生活得更奢华，也仍然在他们的能力范围内，但他们存了很多钱，这样他们老了需要帮助时就能得到很好的照顾。
大量乏味的研究。爷爷研究了你可以用来支付养老院和家庭医疗费用的所有不同类型的储蓄和保险。他发现有很多限制和差距，所以他做了一个乏味的工作，把计划放在一起，以确保他们得到照顾。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Invest in things that save money. They got energy efficient everything. This also means reusable vs disposable.
Avoid debt. Interest kills your bank account.
Eat in and take sack lunches to work. People hemorrhage crazy money on takeout. This includes vending machines and Starbucks.
Save, save, save. Even if it’s chump change. My grandparents could have lived much fancier and still been within their means, but they saved a lot so they could be well taken care of when they were old and needed help.
lots of tedious research. Grandpa researched all the different types of savings and insurance you can use to pay for retirement homes and home health care. He discovered that there are a lot of limits and gaps, so he did the tedious work of putting a plan together that made sure they were taken care of.
管好你的东西。保持房子清洁，尽快修理。尽可能多地做家务，自己修房子。这包括你的衣服。
投资能省钱的东西。他们什么都节能。这也意味着可重复使用 vs 一次性使用。
避免债务。利息会耗尽你的银行存款。
在家吃饭，带便当去上班。人们在外卖上花了很多钱。这包括自动售货机和星巴克。
存钱x3，即使是小钱。我的祖父母本可以生活得更奢华，也仍然在他们的能力范围内，但他们存了很多钱，这样他们老了需要帮助时就能得到很好的照顾。
大量乏味的研究。爷爷研究了你可以用来支付养老院和家庭医疗费用的所有不同类型的储蓄和保险。他发现有很多限制和差距，所以他做了一个乏味的工作，把计划放在一起，以确保他们得到照顾。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
L. Rodgers，Former Electrical engineering Master Electrician
Most think the wealthy live in the lap of luxury. Drinking champagne and orange juice for breakfast. Laying about and doing silly things for entertainment. They dont. They work their butts off, they spend free time reading things that pertaining to their businesses and investments.
I was lucky enough to work for a multi millionaire in the 1980s what I learned from him was life changing.
1. live below your means. Just because you can afford a brand new car,phone,computer, whatever doesn't mean you NEED IT. If a older cheaper model will do what you need then buy that.
2. Work your ass off. This guy would be at his desk working when I opened the place for the day. He would be there when I closed up and locked the doors.
3. put your money to work. If your money is not earning money you are losing money. Never stop turning money over. (IE if you buy a stock. That stock doubles in value. Take the earnings and invest at least 75% of it. Party on the 25% if you must). But keep that money earning more money. Spread your investments out. Stocks, real-estate, business ventures, commodities, collectibles etc etc)
大多数人认为富人过着奢侈的生活：早餐喝香槟和橙汁，为了娱乐而到处闲逛和做傻事。他们没有。他们拼命工作，空闲时间阅读与他们的业务和投资有关的东西。
我很幸运，在20世纪80年代为一位千万富翁工作，我从他身上学到的东西改变了我的生活。
1. 生活节俭。仅仅因为你买得起新车、手机、电脑等等，并不意味着你需要它们。如果一个旧的便宜的型号可以满足你的需要，那就买吧。
2. 拼命工作。当我开门的时候，这个人会在他的办公桌前工作。当我关门锁门的时候，他也会在那里。
3. 让你的钱发挥作用。如果你的钱不赚钱，你就是在赔钱。永远不要停止让钱生钱。(比如你买的那只股票的价值翻了一番，把赚来的至少75%钱用于投资。如果你必须的话，那就享受25%的收益)。但要用这些钱赚更多的钱。分散投资。如股票、房地产、商业投资、商品、收藏品等）
Most think the wealthy live in the lap of luxury. Drinking champagne and orange juice for breakfast. Laying about and doing silly things for entertainment. They dont. They work their butts off, they spend free time reading things that pertaining to their businesses and investments.
I was lucky enough to work for a multi millionaire in the 1980s what I learned from him was life changing.
1. live below your means. Just because you can afford a brand new car,phone,computer, whatever doesn't mean you NEED IT. If a older cheaper model will do what you need then buy that.
2. Work your ass off. This guy would be at his desk working when I opened the place for the day. He would be there when I closed up and locked the doors.
3. put your money to work. If your money is not earning money you are losing money. Never stop turning money over. (IE if you buy a stock. That stock doubles in value. Take the earnings and invest at least 75% of it. Party on the 25% if you must). But keep that money earning more money. Spread your investments out. Stocks, real-estate, business ventures, commodities, collectibles etc etc)
大多数人认为富人过着奢侈的生活：早餐喝香槟和橙汁，为了娱乐而到处闲逛和做傻事。他们没有。他们拼命工作，空闲时间阅读与他们的业务和投资有关的东西。
我很幸运，在20世纪80年代为一位千万富翁工作，我从他身上学到的东西改变了我的生活。
1. 生活节俭。仅仅因为你买得起新车、手机、电脑等等，并不意味着你需要它们。如果一个旧的便宜的型号可以满足你的需要，那就买吧。
2. 拼命工作。当我开门的时候，这个人会在他的办公桌前工作。当我关门锁门的时候，他也会在那里。
3. 让你的钱发挥作用。如果你的钱不赚钱，你就是在赔钱。永远不要停止让钱生钱。(比如你买的那只股票的价值翻了一番，把赚来的至少75%钱用于投资。如果你必须的话，那就享受25%的收益)。但要用这些钱赚更多的钱。分散投资。如股票、房地产、商业投资、商品、收藏品等）
4. Know how to leverage money.. debt is not bad or good. Debt is a powerful tool used correctly and a hangman noose if used incorrectly. (IE we needed new work trucks. So he bought seven trucks leaving two in reserve. He had the money to buy them outright. Instead He He bought them with bank financing. Because he could write the interest off on taxes as well as the depreciation. All while keeping the money he would have used still working earning more money. So the basic formula is if your money is earning 10% and the debt interest is 5%. You'll have more money by using debt.
5. know the tax laws forward and backwards. Know how to minimize your tax debt while increasing your gain revenues.
6. don't be greedy. Don't try to make the most on a single contract or sale item. Give your customers a high value for their dollar. Reward those who help you grow. Help your community when and where you can. (IE one of my first projects to design and over see. Was the remodeling of a 3 stroy building into a community homeless shelter. He charged the organizers (he was one of them) straight cost of time and materials. When the company received payment. The company then donated that payment back to the organization.
If it wasn't for him. I wouldn't have been able to retire at the age I did.
4. 知道如何利用金钱。债务没有好坏之分。债务是一个强有力的工具，如果使用不当，就是绞刑架。(我们需要新的工作卡车，所以他买了七辆卡车，留了两辆备用。他有钱把它们全部买下来。相反，他通过银行融资购买了这些卡车。因为他可以抵消税收利息和折旧。同时他还保留着本来可以用的钱，继续工作，赚更多的钱。基本公式是，如果你的钱赚了10%，债务利息是5%，借债你会有更多的钱。
5. 对税法了如指掌。知道如何在增加收益的同时尽量减少纳税债务。
6. 不要贪心。不要试图在单个合同或销售项目上获得最大收益。为客户提供高价值的服务。奖励那些帮助你成长的人。随时随地帮助你的社区。(如：我设计的第一个项目之一是将一幢三层建筑改造成社区无家可归者的收容所。他直接向组织者 (他也是其中之一)收取时间和材料费用。当公司收到付款时，该公司随后将这笔款项捐给了该组织。
如果不是因为他，我不可能在这个年纪退休。
5. know the tax laws forward and backwards. Know how to minimize your tax debt while increasing your gain revenues.
6. don't be greedy. Don't try to make the most on a single contract or sale item. Give your customers a high value for their dollar. Reward those who help you grow. Help your community when and where you can. (IE one of my first projects to design and over see. Was the remodeling of a 3 stroy building into a community homeless shelter. He charged the organizers (he was one of them) straight cost of time and materials. When the company received payment. The company then donated that payment back to the organization.
If it wasn't for him. I wouldn't have been able to retire at the age I did.
4. 知道如何利用金钱。债务没有好坏之分。债务是一个强有力的工具，如果使用不当，就是绞刑架。(我们需要新的工作卡车，所以他买了七辆卡车，留了两辆备用。他有钱把它们全部买下来。相反，他通过银行融资购买了这些卡车。因为他可以抵消税收利息和折旧。同时他还保留着本来可以用的钱，继续工作，赚更多的钱。基本公式是，如果你的钱赚了10%，债务利息是5%，借债你会有更多的钱。
5. 对税法了如指掌。知道如何在增加收益的同时尽量减少纳税债务。
6. 不要贪心。不要试图在单个合同或销售项目上获得最大收益。为客户提供高价值的服务。奖励那些帮助你成长的人。随时随地帮助你的社区。(如：我设计的第一个项目之一是将一幢三层建筑改造成社区无家可归者的收容所。他直接向组织者 (他也是其中之一)收取时间和材料费用。当公司收到付款时，该公司随后将这笔款项捐给了该组织。
如果不是因为他，我不可能在这个年纪退休。
Dan Kay，Happily Married + Retired. Plenty of Job and Life Experience
The question implies the rich think that way. They don’t any more than blue collar workers thinking they must keep money secrets from the homeless. Most of what Jeff Bezos has, comes from those with enough money to buy from Amazon. People with a little money, buy little, and people with no money buy even less. So, it’s often true that the rich really want and need lots of other people to have enough money to keep filling their wallets.
That said there are things people can do to get ahead and most have been preached forever. Here are a few examples…
Live below your means. Because you have it doesn’t mean you have to spend it. Most wealthy people don’t look or act wealthy. When money is tight, it’s much better to have fifty thousand in the bank than parked in the driveway.
这个问题暗示富人也是这么想的。他们并不比蓝领工人更认为他们必须对无家可归的人保守金钱秘密。杰夫·贝佐斯的大部分资产都来自那些有足够资金从亚马逊购买的人。有钱的人买得很少，没钱的人买得更少。因此，有钱人确实希望并需要很多其他人有足够的钱来填满他们的钱包。
也就是说，人们可以做一些事情来取得进步，而大多数事情都是被永远宣扬的。下面是一些例子。
生活节俭。因为你拥有它并不意味着你必须把它花掉。大多数富人看起来或表现得并不富有。当资金紧张时，银行里有5万比停在车道上的车要好得多。
The question implies the rich think that way. They don’t any more than blue collar workers thinking they must keep money secrets from the homeless. Most of what Jeff Bezos has, comes from those with enough money to buy from Amazon. People with a little money, buy little, and people with no money buy even less. So, it’s often true that the rich really want and need lots of other people to have enough money to keep filling their wallets.
That said there are things people can do to get ahead and most have been preached forever. Here are a few examples…
Live below your means. Because you have it doesn’t mean you have to spend it. Most wealthy people don’t look or act wealthy. When money is tight, it’s much better to have fifty thousand in the bank than parked in the driveway.
这个问题暗示富人也是这么想的。他们并不比蓝领工人更认为他们必须对无家可归的人保守金钱秘密。杰夫·贝佐斯的大部分资产都来自那些有足够资金从亚马逊购买的人。有钱的人买得很少，没钱的人买得更少。因此，有钱人确实希望并需要很多其他人有足够的钱来填满他们的钱包。
也就是说，人们可以做一些事情来取得进步，而大多数事情都是被永远宣扬的。下面是一些例子。
生活节俭。因为你拥有它并不意味着你必须把它花掉。大多数富人看起来或表现得并不富有。当资金紧张时，银行里有5万比停在车道上的车要好得多。
Work, Work, Work, Save, Save, Save. If you are young and have the time and energy work two jobs. Once you have extra money saved up talk to a reputable investment advisor to help your money grow.
Don’t gamble. Casinos are built on lost wages.
Buy cheap and if secondhand stuff will do the job just as well as new, buy second hand and bank the savings. Wealthy retirees are a common sight at secondhand stores.
Don’t settle down with a partner who loves to use credit cards. They don’t understand the concept and benefits of “Delayed Gratification” and will ensure you never reach your financial goals.
Remember that when you are young you work for money so that when you are old your money can work for you. That said, it’s also important to remember money is a tool for people. It’s always the people that matter the most. Never put money before people.
工作，工作，工作，节约，节约，节约。如果你年轻，有时间和精力做两份工作。一旦你存了多余的钱，就找一个有信誉的投资顾问来帮助你的钱增长。
不赌博。赌场建立在损失工资的基础上。
买便宜的，如果二手的和新的一样有用，那就买二手的，把钱存起来。在二手店，富有的退休人员很常见。
不要和一个爱用信用卡的人安定下来。他们不理解“延迟满足”的概念和好处，并会确保你永远无法实现你的财务目标。
记住，当你年轻时，你为钱工作，这样当你老了，你的钱就可以为你工作。也就是说，记住金钱是人们的工具也是很重要的。人总是最重要的。永远不要认为钱比人重要。
Don’t gamble. Casinos are built on lost wages.
Buy cheap and if secondhand stuff will do the job just as well as new, buy second hand and bank the savings. Wealthy retirees are a common sight at secondhand stores.
Don’t settle down with a partner who loves to use credit cards. They don’t understand the concept and benefits of “Delayed Gratification” and will ensure you never reach your financial goals.
Remember that when you are young you work for money so that when you are old your money can work for you. That said, it’s also important to remember money is a tool for people. It’s always the people that matter the most. Never put money before people.
工作，工作，工作，节约，节约，节约。如果你年轻，有时间和精力做两份工作。一旦你存了多余的钱，就找一个有信誉的投资顾问来帮助你的钱增长。
不赌博。赌场建立在损失工资的基础上。
买便宜的，如果二手的和新的一样有用，那就买二手的，把钱存起来。在二手店，富有的退休人员很常见。
不要和一个爱用信用卡的人安定下来。他们不理解“延迟满足”的概念和好处，并会确保你永远无法实现你的财务目标。
记住，当你年轻时，你为钱工作，这样当你老了，你的钱就可以为你工作。也就是说，记住金钱是人们的工具也是很重要的。人总是最重要的。永远不要认为钱比人重要。
Tony Moses，30 years of lifting weights ,boxing fan,wannabe grill master
There really aren't secrets. When you have money, it's not hard to manage and invest. People with money usually either inherit it or earn a big income.
Very few people make 40k a year and save a million dollars over 30 years by not buying coffee or those “tips” supposed gurus give. Their secret was they made 4 million a year for 10 years on Wall Street or they made millions selling a book on “secrets” to suckers telling them stop buying a morning coffee and save the 2.50 every day until they're 87 years old.
真的没有秘密。当你有钱的时候，管理和投资并不难。有钱的人通常要么继承遗产，要么挣大钱。
很少有人能通过不买咖啡或那些所谓的大师们给出的“建议”，在30年内每年赚4万美元，并存下100万美元。他们的秘密是，他们在华尔街工作10年，每年赚400万美元，或者，他们通过卖一本关于“秘密”的书赚了数百万美元，告诉他们不要在早餐时间买咖啡，每天存2.50美元，直到87岁。
There really aren't secrets. When you have money, it's not hard to manage and invest. People with money usually either inherit it or earn a big income.
Very few people make 40k a year and save a million dollars over 30 years by not buying coffee or those “tips” supposed gurus give. Their secret was they made 4 million a year for 10 years on Wall Street or they made millions selling a book on “secrets” to suckers telling them stop buying a morning coffee and save the 2.50 every day until they're 87 years old.
真的没有秘密。当你有钱的时候，管理和投资并不难。有钱的人通常要么继承遗产，要么挣大钱。
很少有人能通过不买咖啡或那些所谓的大师们给出的“建议”，在30年内每年赚4万美元，并存下100万美元。他们的秘密是，他们在华尔街工作10年，每年赚400万美元，或者，他们通过卖一本关于“秘密”的书赚了数百万美元，告诉他们不要在早餐时间买咖啡，每天存2.50美元，直到87岁。
As far as tax secrets, most people looking for get rich “secrets” are W2 employees earning under a 6 figure income and any accountant or even H&R Block employee can tell them how to do a tax return that is optimal. The real ways to manipulate the Internal Revenue Code apply to taxation of fictitious entities, capital gains, inheritance taxes, dividends, cash or accrual filings. In other words, there are no “secrets” unless you already earned or inherited a shit load of money and are managing it. Nobody making $55 grand a year is gonna become a millionaire by learning some secret tax filing trick. Even then, it's so secret. It's about either educating yourself or hiring both a good accountant and tax attorney.
I guess, hypothetically, if you earn average money working for someone else and have no kids or anyone to support, you could rent a dump and live on cereal, Ramen noodles, and tap water and save 75% of your income until you're too old to enjoy it. But, then you lived a miserable quality of life and are too old to enjoy your money and have nobody to leave it to because you can't raise a family banking 40k of 55k a year. That's the supposed “secrets” of so-called financial gurus in a nut shell. Mind you, none of them did that to earn their money and some just earned it by writing a book telling others to do those ridiculous things that they never did.
至于税务秘密，大多数寻找致富“秘密”的人都是收入低于6位数的正式员工，任何会计师甚至H&R Block员工都可以告诉他们如何进行最佳的纳税申报。操纵《国内税收法》的真正方法适用于虚拟实体、资本收益、遗产税、股息、现金或应计项目申报。换句话说，没有什么“秘密”，除非你已经赚了或继承了一大笔钱，并且正在管理它。年收入55000美元以下的人是不会通过学习一些秘密报税技巧而成为百万富翁的。即便如此，这也是秘密。要么自学，要么雇佣一个好的会计师和税务律师。
我猜，假设你为别人工作，赚的是平均水平的钱，没有孩子或任何人要抚养，你可以租一个破地方，靠麦片、拉面和自来水生活，把75%的收入存起来，直到你老得无法享受。但是，那时你的生活质量很糟糕，太老了，不能享受你的钱，没有人可依靠，因为你不能养活一个每年银行业务4万到5.5万的家庭。这就是所谓的金融大师们所谓的“秘密”。请注意，他们中没有人靠这样做来赚钱，有些人只是通过写一本书来赚钱，告诉别人去做那些他们从未做过的荒谬的事情。
I guess, hypothetically, if you earn average money working for someone else and have no kids or anyone to support, you could rent a dump and live on cereal, Ramen noodles, and tap water and save 75% of your income until you're too old to enjoy it. But, then you lived a miserable quality of life and are too old to enjoy your money and have nobody to leave it to because you can't raise a family banking 40k of 55k a year. That's the supposed “secrets” of so-called financial gurus in a nut shell. Mind you, none of them did that to earn their money and some just earned it by writing a book telling others to do those ridiculous things that they never did.
至于税务秘密，大多数寻找致富“秘密”的人都是收入低于6位数的正式员工，任何会计师甚至H&R Block员工都可以告诉他们如何进行最佳的纳税申报。操纵《国内税收法》的真正方法适用于虚拟实体、资本收益、遗产税、股息、现金或应计项目申报。换句话说，没有什么“秘密”，除非你已经赚了或继承了一大笔钱，并且正在管理它。年收入55000美元以下的人是不会通过学习一些秘密报税技巧而成为百万富翁的。即便如此，这也是秘密。要么自学，要么雇佣一个好的会计师和税务律师。
我猜，假设你为别人工作，赚的是平均水平的钱，没有孩子或任何人要抚养，你可以租一个破地方，靠麦片、拉面和自来水生活，把75%的收入存起来，直到你老得无法享受。但是，那时你的生活质量很糟糕，太老了，不能享受你的钱，没有人可依靠，因为你不能养活一个每年银行业务4万到5.5万的家庭。这就是所谓的金融大师们所谓的“秘密”。请注意，他们中没有人靠这样做来赚钱，有些人只是通过写一本书来赚钱，告诉别人去做那些他们从未做过的荒谬的事情。
Jeff Bottaro，inventor with 15 patents and 75 publicationsUpvoted
1, They started out materially privileged.
2. They had privileged social connections, too.
3. Their privilege was so pervasive as to escape their notice (much the way AIR usually goes unnoticed) unless they are self-reflective and open to the concepts of intersectionality and critical race theory.
4. If and when they make these leaps of consciousness, their minds are pressured into the kind of compartmentalization needed to believe things like “trickle-down economics" and the “American Dream", itself a way of enslaving masses with promotional hope.
1. 他们一开始就享有物质上的特权。
2. 他们也有特权社会关系。
3. 他们的特权如此普遍，以至于没有引起他们的注意 (就像空气通常不被注意一样)，除非他们自我反思，并对交叉性和批判性种族理论的概念持开放态度。
4. 如果他们实现了这些意识上的飞跃，他们的思想就会受到压力，陷入一种需要去相信“涓滴经济学”和“美国梦”之类的东西的分裂状态，这本身就是一种希望用宣传奴役大众的方式。
1, They started out materially privileged.
2. They had privileged social connections, too.
3. Their privilege was so pervasive as to escape their notice (much the way AIR usually goes unnoticed) unless they are self-reflective and open to the concepts of intersectionality and critical race theory.
4. If and when they make these leaps of consciousness, their minds are pressured into the kind of compartmentalization needed to believe things like “trickle-down economics" and the “American Dream", itself a way of enslaving masses with promotional hope.
1. 他们一开始就享有物质上的特权。
2. 他们也有特权社会关系。
3. 他们的特权如此普遍，以至于没有引起他们的注意 (就像空气通常不被注意一样)，除非他们自我反思，并对交叉性和批判性种族理论的概念持开放态度。
4. 如果他们实现了这些意识上的飞跃，他们的思想就会受到压力，陷入一种需要去相信“涓滴经济学”和“美国梦”之类的东西的分裂状态，这本身就是一种希望用宣传奴役大众的方式。
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