QA问答：穷人每天都努力工作，穷人和富人努力工作的区别是什么？
正文翻译
Poor people work hard every day. What's the difference between a poor and a wealthy hardworking person?
穷人每天都努力工作，穷人和富人努力工作的区别是什么？
Poor people work hard every day. What's the difference between a poor and a wealthy hardworking person?
穷人每天都努力工作，穷人和富人努力工作的区别是什么？
评论翻译
Hector Quintanilla
Money is abundant. Money is EVERYWHERE!
The government has money, the banks have money, schools have money, restaurants have money …
You have money, your friends have money!
The rich have money, the poor have money!
Money is EVERYWHERE and always moving. Money is “flying” all around us, ALL the time, 24 hours a day — everyday, 365 days a year!
What’s the difference between a poor, hardworking person versus a wealthy, hardworking person?
The difference is in HOW they ‘catch’ money.
钱是充裕的。钱无处不在！
政府有钱，银行有钱，学校有钱，饭店有钱..
你有钱，你的朋友有钱！
富人有钱，穷人有钱！
金钱无处不在，而且总是在流动。金钱在我们周围“飞”，一直在飞，一天24小时，一年365天都在“飞”！
一个辛勤工作的穷人和一个辛勤工作的富人有什么区别呢？
区别在于他们如何“捕获”钱。
Money is abundant. Money is EVERYWHERE!
The government has money, the banks have money, schools have money, restaurants have money …
You have money, your friends have money!
The rich have money, the poor have money!
Money is EVERYWHERE and always moving. Money is “flying” all around us, ALL the time, 24 hours a day — everyday, 365 days a year!
What’s the difference between a poor, hardworking person versus a wealthy, hardworking person?
The difference is in HOW they ‘catch’ money.
钱是充裕的。钱无处不在！
政府有钱，银行有钱，学校有钱，饭店有钱..
你有钱，你的朋友有钱！
富人有钱，穷人有钱！
金钱无处不在，而且总是在流动。金钱在我们周围“飞”，一直在飞，一天24小时，一年365天都在“飞”！
一个辛勤工作的穷人和一个辛勤工作的富人有什么区别呢？
区别在于他们如何“捕获”钱。
Poor, hardworking people invest their limited working hours ‘chasing’ money, while the wealthy, hardworking people will invest the same amount of limited working hours building an asset that will “catch” money for them.
For example, spiders will NEVER work hard chasing flying insects to make a living. Instead, they will work hard building a spiderweb that will catch abundant flying insects for them.
That’s called an asset. It works 24 hours a day, 7 days a week, catching flying “money” — even while the spider sleeps.
That’s the secret.
Schools won’t tell you this. They will teach you to chase money, which leads to the paycheck formula:
(College degree) x (Time) = Paycheck
Warning: That’s an energy-draining trap!
There’s only one solution: Entrepreneurship.
Stop making excuses and start building your “SPIDERWEB” today!
可怜的辛勤工作的人将有限的工作时间用来“捕获”金钱，而富有的辛勤工作的人将用同样有限的工作时间来建立一种资产，这种资产将为他们“捕获”金钱。
例如，蜘蛛永远不会为了谋生而努力追逐飞行的昆虫。相反，他们将努力建立一个蜘蛛网，将为他们捕获大量的飞行昆虫。
这就是所谓的资产。它每天24小时工作，每周7天，捕捉飞来的“钱”——甚至在蜘蛛睡觉的时候也可以。
这就是秘诀。
学校不会告诉你这些，他们会教你追逐金钱，这就导致了薪水公式：
（大学学位）x （时间）= 薪水
警告：这是一个耗能陷阱！
只有一个解决办法：创业。
别再找借口了，从今天开始建立你的“蜘蛛网”吧！
For example, spiders will NEVER work hard chasing flying insects to make a living. Instead, they will work hard building a spiderweb that will catch abundant flying insects for them.
That’s called an asset. It works 24 hours a day, 7 days a week, catching flying “money” — even while the spider sleeps.
That’s the secret.
Schools won’t tell you this. They will teach you to chase money, which leads to the paycheck formula:
(College degree) x (Time) = Paycheck
Warning: That’s an energy-draining trap!
There’s only one solution: Entrepreneurship.
Stop making excuses and start building your “SPIDERWEB” today!
可怜的辛勤工作的人将有限的工作时间用来“捕获”金钱，而富有的辛勤工作的人将用同样有限的工作时间来建立一种资产，这种资产将为他们“捕获”金钱。
例如，蜘蛛永远不会为了谋生而努力追逐飞行的昆虫。相反，他们将努力建立一个蜘蛛网，将为他们捕获大量的飞行昆虫。
这就是所谓的资产。它每天24小时工作，每周7天，捕捉飞来的“钱”——甚至在蜘蛛睡觉的时候也可以。
这就是秘诀。
学校不会告诉你这些，他们会教你追逐金钱，这就导致了薪水公式：
（大学学位）x （时间）= 薪水
警告：这是一个耗能陷阱！
只有一个解决办法：创业。
别再找借口了，从今天开始建立你的“蜘蛛网”吧！
James Russell
Here are the differences:
First, get the basics right. These fall under the category of don't do anything stupid:
Don’t have a child before you finish school and get married.
Finish school (high school and/or college).
Don’t get addicted to drugs or alcohol. Better yet, abstain from both.
Don’t break the law, especially illegal drug use.
Don’t hang around with losers. Don’t date one. Never marry one.
Second, position yourself to make money. Money is not going to come and find you. You have to go find it. :
Be ambitious. Don’t settle for a life of low pay and low prestige. Don’t hang around with others who are not ambitious. Never marry one.
区别在于：
首先，正确理解基本要素，这些要素属于“不要做傻事”的范畴：
在你毕业结婚之前不要生孩子。
完成学业（高中或大学）。
不要对毒品或酒精上瘾，最好两者都戒掉。
不要犯法，尤其是非法吸毒。
不要和失败者在一起，不要和这样的人约会，不要和这样的人结婚。
第二，让自己处于赚钱的位置。钱是不会来找你的。你得去找到它：
要有雄心壮志。不要满足于低收入和低声望的生活。不要和没有野心的人混在一起。永远不要和这样的人结婚。
Here are the differences:
First, get the basics right. These fall under the category of don't do anything stupid:
Don’t have a child before you finish school and get married.
Finish school (high school and/or college).
Don’t get addicted to drugs or alcohol. Better yet, abstain from both.
Don’t break the law, especially illegal drug use.
Don’t hang around with losers. Don’t date one. Never marry one.
Second, position yourself to make money. Money is not going to come and find you. You have to go find it. :
Be ambitious. Don’t settle for a life of low pay and low prestige. Don’t hang around with others who are not ambitious. Never marry one.
区别在于：
首先，正确理解基本要素，这些要素属于“不要做傻事”的范畴：
在你毕业结婚之前不要生孩子。
完成学业（高中或大学）。
不要对毒品或酒精上瘾，最好两者都戒掉。
不要犯法，尤其是非法吸毒。
不要和失败者在一起，不要和这样的人约会，不要和这样的人结婚。
第二，让自己处于赚钱的位置。钱是不会来找你的。你得去找到它：
要有雄心壮志。不要满足于低收入和低声望的生活。不要和没有野心的人混在一起。永远不要和这样的人结婚。
Learn which careers and jobs make the most money. (This is really basic. Don’t screw this up.)
Pick something that is hard to do. If it is easy or fun, everyone wants to do it and it won’t pay much money. If it is hard, it will pay lots of money.
Strongly consider a STEM degree (Science, Technology, Engineering, and Math.) There are shortages and starting salaries are high.
Consider being an entrepreneur and running your own business. Research this carefully as it is very risky.
Marry someone who is just as ambitious and as capable of making money as you. Don’t settle for anything less.
Be willing to work very hard. Work harder than anyone else.
Third, learn how to hang onto your money and not lose it or waste it:
Don’t borrow money for college. Find a way to work your way through. Go to junior college first as it is much cheaper. Consider the Army Reserves or National Guard as they offer GI Bill that will pay most of your costs.
Don’t borrow money for cars. If you buy good used cars, you can pay cash. Wait until you are older and wealthier to buy new cars.
了解哪些职业和工作赚钱最多。（这是最基本的，不要搞砸了。）
选择一些难做的事情。如果它是容易或有趣的，每个人都想这样做，它不会给你带来很多钱。如果它是艰难的，它将会给你带来很多钱。
强烈地考虑 STEM 学位（科学，技术，工程和数学）。这样的工作很短缺而且起薪很高。
考虑一下成为一名企业家并经营自己的企业。仔细研究这个问题，因为它是非常危险的。
嫁给一个和你一样有野心、有能力赚钱的人，不要满足于任何不足。
愿意非常努力地工作。比别人更努力地工作。
第三，学会如何守住你的钱，不丢失或浪费它：
不要借钱上大学。想办法解决。先上专科学校，因为它便宜得多。考虑陆军预备役或国民警卫队，因为他们提供退伍军人法案，将支付你的大部分费用。
不要借钱买车。如果你买好的二手车，你可以付现金。等你年纪大了，有钱了再买新车。
Pick something that is hard to do. If it is easy or fun, everyone wants to do it and it won’t pay much money. If it is hard, it will pay lots of money.
Strongly consider a STEM degree (Science, Technology, Engineering, and Math.) There are shortages and starting salaries are high.
Consider being an entrepreneur and running your own business. Research this carefully as it is very risky.
Marry someone who is just as ambitious and as capable of making money as you. Don’t settle for anything less.
Be willing to work very hard. Work harder than anyone else.
Third, learn how to hang onto your money and not lose it or waste it:
Don’t borrow money for college. Find a way to work your way through. Go to junior college first as it is much cheaper. Consider the Army Reserves or National Guard as they offer GI Bill that will pay most of your costs.
Don’t borrow money for cars. If you buy good used cars, you can pay cash. Wait until you are older and wealthier to buy new cars.
了解哪些职业和工作赚钱最多。（这是最基本的，不要搞砸了。）
选择一些难做的事情。如果它是容易或有趣的，每个人都想这样做，它不会给你带来很多钱。如果它是艰难的，它将会给你带来很多钱。
强烈地考虑 STEM 学位（科学，技术，工程和数学）。这样的工作很短缺而且起薪很高。
考虑一下成为一名企业家并经营自己的企业。仔细研究这个问题，因为它是非常危险的。
嫁给一个和你一样有野心、有能力赚钱的人，不要满足于任何不足。
愿意非常努力地工作。比别人更努力地工作。
第三，学会如何守住你的钱，不丢失或浪费它：
不要借钱上大学。想办法解决。先上专科学校，因为它便宜得多。考虑陆军预备役或国民警卫队，因为他们提供退伍军人法案，将支付你的大部分费用。
不要借钱买车。如果你买好的二手车，你可以付现金。等你年纪大了，有钱了再买新车。
When you do buy cars and if you do borrow, research the best way to buy and finance. It makes a huge difference long term if you are really savvy about this. Car sales and financing is a racket and they will rob you blind unless you know how to avoid it.
Learn to live frugally. There is a lot of info on how to do this on the internet. Learn to live below your means. (Recommend Dave Ramsey info and methods). Make living cheaply your hobby.
Learn to cook and plan meals and eat healthy. It’s a lot cheaper than eating out and it is the only way to avoid being fat. Try to eat out only one meal per week.
Be disciplined. Defer gratification. It’s part of the grit and determination thing. Be an adult.
Fourth, learn how to grow your wealth.
Save as much money as you can. Everyone should save a minimum of 10% of earnings. People who grow wealth faster do much more.
These are the differences between people who start out with nothing and become either rich or stay poor.
Granted, some people are born with low IQs, physical disabilities, or have bad parents. Some are never taught any of these principles. Some are taught that it’s somebody else’s responsibility to take care of them. It can be argued that these are poor due to bad luck.
当你购买汽车，如果你借款，研究最好的方式购买并融资。如果你真的了解这一点，从长远来看会有很大的不同。汽车销售和融资是一种骗局，除非你知道如何避免，否则他们会把你洗劫一空。
学会节俭生活。在互联网上有很多关于如何做到这一点的信息。学会量入为出。让节俭生活成为你的爱好。
学习烹饪，计划饮食，健康饮食。这比在外面吃便宜得多，而且是避免肥胖的唯一方法。尽量每周只在外面吃一顿饭。
遵守纪律，推迟满足，这是勇气和决心的一部分，成熟一点。
第四，学会如何积累财富。
能省多少钱就省多少钱。每个人至少应该把收入的10% 存起来。财富增长更快的人做得更多。
这就是那些白手起家，要么变得富有，要么一直贫穷的人之间的区别。
诚然，有些人天生智商低下，身体残疾，或者父母不称职。有些人从来没有学过这些原则。有些人被教导，照顾他们是别人的责任。可以说，这些人之所以贫穷是因为运气不好
Learn to live frugally. There is a lot of info on how to do this on the internet. Learn to live below your means. (Recommend Dave Ramsey info and methods). Make living cheaply your hobby.
Learn to cook and plan meals and eat healthy. It’s a lot cheaper than eating out and it is the only way to avoid being fat. Try to eat out only one meal per week.
Be disciplined. Defer gratification. It’s part of the grit and determination thing. Be an adult.
Fourth, learn how to grow your wealth.
Save as much money as you can. Everyone should save a minimum of 10% of earnings. People who grow wealth faster do much more.
These are the differences between people who start out with nothing and become either rich or stay poor.
Granted, some people are born with low IQs, physical disabilities, or have bad parents. Some are never taught any of these principles. Some are taught that it’s somebody else’s responsibility to take care of them. It can be argued that these are poor due to bad luck.
当你购买汽车，如果你借款，研究最好的方式购买并融资。如果你真的了解这一点，从长远来看会有很大的不同。汽车销售和融资是一种骗局，除非你知道如何避免，否则他们会把你洗劫一空。
学会节俭生活。在互联网上有很多关于如何做到这一点的信息。学会量入为出。让节俭生活成为你的爱好。
学习烹饪，计划饮食，健康饮食。这比在外面吃便宜得多，而且是避免肥胖的唯一方法。尽量每周只在外面吃一顿饭。
遵守纪律，推迟满足，这是勇气和决心的一部分，成熟一点。
第四，学会如何积累财富。
能省多少钱就省多少钱。每个人至少应该把收入的10% 存起来。财富增长更快的人做得更多。
这就是那些白手起家，要么变得富有，要么一直贫穷的人之间的区别。
诚然，有些人天生智商低下，身体残疾，或者父母不称职。有些人从来没有学过这些原则。有些人被教导，照顾他们是别人的责任。可以说，这些人之所以贫穷是因为运气不好
Charlie Smith
“What’s the difference of a poor hardworking person vs a wealthy hardworking person?”
The difference is simple, but massive. They both work incredibly hard, but they work hard on different things.
In the early 80’s I was a box boy at a grocery store in small town USA. There were two janitors, Dennis and David.
Dennis was the senior guy, David was the apprentice. Dennis treated floor waxing like an art form. He studied it and perfected it. He was known as “the best floor guy” in the town. He once showed me a gizmo he fabricated to allow the broom to scrape crud out from the seam between the floor and the shelf. He also had some special wax concoction that would make those floors shine like you can’t imagine.
Dennis took David under his wing. David learned to do good work but it was clear he was no floor waxing prodigy. He worked faster than Dennis but was not as meticulous.
I moved out of this town a long time ago. About 35 years later I ran into an old friend who still lived there. We got to talking about the good old days. Amazingly he still had tabs on Dennis and David.
Dennis is still doing the floors at the grocery store. In fact he picked up the hardware store as well. He works crazy hard, does an outstanding job, and seems to make a good living. He’s a great guy and well respected in the community.
“一个辛勤工作的穷人和一个辛勤工作的富人有什么区别？”
区别很简单，但是很大。他们都非常努力工作，但是他们在不同的事情上努力工作。
80年代早期，我在美国一个小镇的杂货店当售货员。有两个清洁工，丹尼斯和大卫。
丹尼斯是资深的，大卫是学徒。丹尼斯把地板打蜡当成一门艺术。他研究并完善了它。在镇上，他被称为“最好的楼层管理员”。他曾经给我看过一个他自己制作的小玩意儿，这个小玩意儿可以让扫帚把地板和架子之间的缝隙里的脏东西刮出来。他还有一些特殊的蜡混合物能让那些地板闪闪发光，你无法想象。
丹尼斯教大卫。大卫学会了做好工作，但很明显，他不是地板蜡的神童。他比丹尼斯工作得快，但不像他那样一丝不苟。
我很久以前就搬出这个小镇了。大约35年后，我遇到了一个仍然住在那里的老朋友。我们聊起了过去的美好时光。令人惊讶的是，他仍然密切关注着丹尼斯和大卫。
丹尼斯还在杂货店铺地板。事实上，他还开了一家五金店。他工作疯狂努力，工作出色，生活似乎过得不错。他是个好人，在社区里很受尊敬。
“What’s the difference of a poor hardworking person vs a wealthy hardworking person?”
The difference is simple, but massive. They both work incredibly hard, but they work hard on different things.
In the early 80’s I was a box boy at a grocery store in small town USA. There were two janitors, Dennis and David.
Dennis was the senior guy, David was the apprentice. Dennis treated floor waxing like an art form. He studied it and perfected it. He was known as “the best floor guy” in the town. He once showed me a gizmo he fabricated to allow the broom to scrape crud out from the seam between the floor and the shelf. He also had some special wax concoction that would make those floors shine like you can’t imagine.
Dennis took David under his wing. David learned to do good work but it was clear he was no floor waxing prodigy. He worked faster than Dennis but was not as meticulous.
I moved out of this town a long time ago. About 35 years later I ran into an old friend who still lived there. We got to talking about the good old days. Amazingly he still had tabs on Dennis and David.
Dennis is still doing the floors at the grocery store. In fact he picked up the hardware store as well. He works crazy hard, does an outstanding job, and seems to make a good living. He’s a great guy and well respected in the community.
“一个辛勤工作的穷人和一个辛勤工作的富人有什么区别？”
区别很简单，但是很大。他们都非常努力工作，但是他们在不同的事情上努力工作。
80年代早期，我在美国一个小镇的杂货店当售货员。有两个清洁工，丹尼斯和大卫。
丹尼斯是资深的，大卫是学徒。丹尼斯把地板打蜡当成一门艺术。他研究并完善了它。在镇上，他被称为“最好的楼层管理员”。他曾经给我看过一个他自己制作的小玩意儿，这个小玩意儿可以让扫帚把地板和架子之间的缝隙里的脏东西刮出来。他还有一些特殊的蜡混合物能让那些地板闪闪发光，你无法想象。
丹尼斯教大卫。大卫学会了做好工作，但很明显，他不是地板蜡的神童。他比丹尼斯工作得快，但不像他那样一丝不苟。
我很久以前就搬出这个小镇了。大约35年后，我遇到了一个仍然住在那里的老朋友。我们聊起了过去的美好时光。令人惊讶的是，他仍然密切关注着丹尼斯和大卫。
丹尼斯还在杂货店铺地板。事实上，他还开了一家五金店。他工作疯狂努力，工作出色，生活似乎过得不错。他是个好人，在社区里很受尊敬。
David started a janitorial service business. At first he did all the work himself. His first customer was the other grocery store in town. He soon hired someone to do most of the work so he could free up his time to work on the business. This of course meant that he was not making much money himself, if any. But it allowed him to find and close customer number two which was a supply store in town.
Soon David won contracts with the movie theater and a couple of small retail shops. He added carpet cleaning services to his offering because some stores didn’t have much linoleum, they had carpet. This allowed him to pick up many of the restaurants and shops in town.
The business continued to run like this for the next few years. He was barely surviving but getting really good at sales and managing operations. He pretty much ran out of market in this small town, so decided to start selling his services in the neighboring town which was about 10 times bigger. It had real office buildings. Many of them. Over the years he won a good amount of market share in that town.
Then he moved on to the next town, even larger than the second. His value proposition and offering was fine tuned, so were operations. He was still nearly broke because he was reinvesting everything into his business.
大卫开了一家清洁服务公司。起初，所有的工作都是他自己做的。他的第一个顾客是城里的另一家杂货店。他很快就雇人做了大部分工作，这样他就可以腾出时间来做生意。这当然意味着他自己赚不了多少钱，如果有的话。但这让他找到并获得了第二位顾客，那是镇上的一家供应商店。
不久，大卫就赢得了电影院和几家小零售店的合同。他增加了地毯清洁服务，因为一些商店没有太多油毡，他们有地毯。这样他就可以去城里的许多餐馆和商店。
在接下来的几年里，这家公司继续这样经营。他勉强维持生计，但在销售和管理业务方面却越来越擅长。他在这个小镇上几乎没有可开拓的市场了，所以决定开始在邻近的小镇上销售他的服务，这个小镇大约是他的10倍。那里有真正的办公大楼，很多。多年来，他在那个城市赢得了相当大的市场份额。
然后他去了下一个城镇，甚至比第二个城镇还要大。他的价值主张和贡献经过了精心调整，行动也经过了精心调整。他仍然几乎破产，因为他把所有的钱都重新投资到他的生意上。
Soon David won contracts with the movie theater and a couple of small retail shops. He added carpet cleaning services to his offering because some stores didn’t have much linoleum, they had carpet. This allowed him to pick up many of the restaurants and shops in town.
The business continued to run like this for the next few years. He was barely surviving but getting really good at sales and managing operations. He pretty much ran out of market in this small town, so decided to start selling his services in the neighboring town which was about 10 times bigger. It had real office buildings. Many of them. Over the years he won a good amount of market share in that town.
Then he moved on to the next town, even larger than the second. His value proposition and offering was fine tuned, so were operations. He was still nearly broke because he was reinvesting everything into his business.
大卫开了一家清洁服务公司。起初，所有的工作都是他自己做的。他的第一个顾客是城里的另一家杂货店。他很快就雇人做了大部分工作，这样他就可以腾出时间来做生意。这当然意味着他自己赚不了多少钱，如果有的话。但这让他找到并获得了第二位顾客，那是镇上的一家供应商店。
不久，大卫就赢得了电影院和几家小零售店的合同。他增加了地毯清洁服务，因为一些商店没有太多油毡，他们有地毯。这样他就可以去城里的许多餐馆和商店。
在接下来的几年里，这家公司继续这样经营。他勉强维持生计，但在销售和管理业务方面却越来越擅长。他在这个小镇上几乎没有可开拓的市场了，所以决定开始在邻近的小镇上销售他的服务，这个小镇大约是他的10倍。那里有真正的办公大楼，很多。多年来，他在那个城市赢得了相当大的市场份额。
然后他去了下一个城镇，甚至比第二个城镇还要大。他的价值主张和贡献经过了精心调整，行动也经过了精心调整。他仍然几乎破产，因为他把所有的钱都重新投资到他的生意上。
Over the next few years he continued to win market share in these towns. He actually started making a decent profit. He eyeballed several other markets in major cities. He decided that it would take too long to win customers the organic way, so decided to try his first acquisition.
He bought a small office services company in the big city for a song. These companies don’t command much valuation. He added his special sauce of service offerings, pricing, brand and quality. They got a cool new logo, professional uniforms and vans.
Lather, rinse, repeat. Over the next 10 years he was in 20 markets in 3 states.
They say he sold this business for close to $100 million. It took 30 years of hard work to build it. He lived extremely frugally and invested every dime back into the business. He almost went bankrupt several times. Had the company failed, he would have written off decades of his life he spent building it.
In summary, David and Dennis probably worked equally has hard. Dennis is probably making a respectable $100K a year. But David probably ended up with something like $50 million after taxes on his exit, and at a modest rate of 5% on a blended portfolio it is probably earning another $2.5 million per year. Forever.
It is not about working hard. It is about working hard on the right things.
在接下来的几年里，他继续在这些城镇赢得市场份额。他开始赚大钱了。他观察了主要城市的其他几个市场。他认为用自然的方式赢得顾客需要很长时间，所以决定尝试他的第一次收购。
他花了一大笔钱在大城市买下了一家小型办公服务公司。这些公司的估值不高。他加入了自己特有的服务、定价、品牌和质量。他们有一个很酷的新标志，专业制服和面包车。
在接下来的10年里，他涉足了3个州的20个市场。
他们说他以将近一亿美元的价格卖掉了这家公司。花了30年的努力才建成的。他过着极其节俭的生活，把每一分钱都投入到生意中。他好几次差点破产。如果这家公司倒闭了，他就会放弃自己花费数十年时间建造的公司。
总之，大卫和丹尼斯可能工作得一样辛苦。丹尼斯可能一年赚10万美元。但是大卫可能在退休后得到了大约5000万美元的税后收入，按照混合投资组合中5% 的适度利率计算，他每年可能还能赚到250万美元，一直都能赚。
这与努力工作无关。而是在正确的事情上努力工作。
He bought a small office services company in the big city for a song. These companies don’t command much valuation. He added his special sauce of service offerings, pricing, brand and quality. They got a cool new logo, professional uniforms and vans.
Lather, rinse, repeat. Over the next 10 years he was in 20 markets in 3 states.
They say he sold this business for close to $100 million. It took 30 years of hard work to build it. He lived extremely frugally and invested every dime back into the business. He almost went bankrupt several times. Had the company failed, he would have written off decades of his life he spent building it.
In summary, David and Dennis probably worked equally has hard. Dennis is probably making a respectable $100K a year. But David probably ended up with something like $50 million after taxes on his exit, and at a modest rate of 5% on a blended portfolio it is probably earning another $2.5 million per year. Forever.
It is not about working hard. It is about working hard on the right things.
在接下来的几年里，他继续在这些城镇赢得市场份额。他开始赚大钱了。他观察了主要城市的其他几个市场。他认为用自然的方式赢得顾客需要很长时间，所以决定尝试他的第一次收购。
他花了一大笔钱在大城市买下了一家小型办公服务公司。这些公司的估值不高。他加入了自己特有的服务、定价、品牌和质量。他们有一个很酷的新标志，专业制服和面包车。
在接下来的10年里，他涉足了3个州的20个市场。
他们说他以将近一亿美元的价格卖掉了这家公司。花了30年的努力才建成的。他过着极其节俭的生活，把每一分钱都投入到生意中。他好几次差点破产。如果这家公司倒闭了，他就会放弃自己花费数十年时间建造的公司。
总之，大卫和丹尼斯可能工作得一样辛苦。丹尼斯可能一年赚10万美元。但是大卫可能在退休后得到了大约5000万美元的税后收入，按照混合投资组合中5% 的适度利率计算，他每年可能还能赚到250万美元，一直都能赚。
这与努力工作无关。而是在正确的事情上努力工作。
Anthony Andranik Moumjian
When you have enough capital, you can hire people to take your problems away.
Let’s use $10,000,000 as an example.
You can think about this horizontally across industries spanning virtually anything. The stock market, for instance; Carl Icahn’s fund, IEP, yields a 12% dividend right now. 12% of $10,000,000, per year.
Let me just give you two people in a thought experiment. One person has nothing, but works every single day. The other person has $10,000,000. That $10,000,000 is all in stocks that pay dividends. I’m not talking growth or anything of that nature. I’m strictly speaking dividend payments. At the end of the year, this second person who doesn’t actually work makes $1,200,000 doing absolutely nothing except parking their money in an equity.
Median household income is approximately $65,000 a year. That’s household income, not per person, mind you. You are earning $1,200,000 without any growth in a company by doing nothing. That’s about 20 times the median household income, without working. You could look hardworking without doing any work at all.
For a poor person and a rich person, if you assume a similar amount of work and a similar set of problems, the rich person can afford to think and stress less. We constantly hear about how the rich have more problems, but it’s the farthest thing from the truth.
当你有足够的资金，你可以雇人来解决你的问题。
以1000万美元为例。
你可以横跨几乎所有的行业来思考这个问题。例如，股票市场；卡尔 伊坎的基金，IEP，目前的股息收益率为12%，每年1000万美元的12% 。
让我给你们两个人做个思维实验。一个人一无所有，但每天都在工作。另一个人有一千万。那1000万美元全部投资于有股息的股票。我说的不是成长或者其他类似的股票。严格来说，我只是在分红。到了年底，这第二个不工作的人除了把钱放在股票里什么都不做就赚了120万美元。
家庭收入中位数大约为每年65,000美元。注意，这是家庭收入，不是人均收入。你什么都不做就能在公司没有任何增长的情况下赚到120万美元。在没有工作的情况下，这大约是美国家庭收入中位数的20倍。你不工作也可以看起来很努力。
对于一个穷人和一个富人来说，如果你假设他们有相似的工作量和相似的问题，富人就可以少思考，少压力。我们经常听说富人的问题更多，但这与事实相去甚远。
这些问题几乎总是人为的或者是被夸大的。
When you have enough capital, you can hire people to take your problems away.
Let’s use $10,000,000 as an example.
You can think about this horizontally across industries spanning virtually anything. The stock market, for instance; Carl Icahn’s fund, IEP, yields a 12% dividend right now. 12% of $10,000,000, per year.
Let me just give you two people in a thought experiment. One person has nothing, but works every single day. The other person has $10,000,000. That $10,000,000 is all in stocks that pay dividends. I’m not talking growth or anything of that nature. I’m strictly speaking dividend payments. At the end of the year, this second person who doesn’t actually work makes $1,200,000 doing absolutely nothing except parking their money in an equity.
Median household income is approximately $65,000 a year. That’s household income, not per person, mind you. You are earning $1,200,000 without any growth in a company by doing nothing. That’s about 20 times the median household income, without working. You could look hardworking without doing any work at all.
For a poor person and a rich person, if you assume a similar amount of work and a similar set of problems, the rich person can afford to think and stress less. We constantly hear about how the rich have more problems, but it’s the farthest thing from the truth.
当你有足够的资金，你可以雇人来解决你的问题。
以1000万美元为例。
你可以横跨几乎所有的行业来思考这个问题。例如，股票市场；卡尔 伊坎的基金，IEP，目前的股息收益率为12%，每年1000万美元的12% 。
让我给你们两个人做个思维实验。一个人一无所有，但每天都在工作。另一个人有一千万。那1000万美元全部投资于有股息的股票。我说的不是成长或者其他类似的股票。严格来说，我只是在分红。到了年底，这第二个不工作的人除了把钱放在股票里什么都不做就赚了120万美元。
家庭收入中位数大约为每年65,000美元。注意，这是家庭收入，不是人均收入。你什么都不做就能在公司没有任何增长的情况下赚到120万美元。在没有工作的情况下，这大约是美国家庭收入中位数的20倍。你不工作也可以看起来很努力。
对于一个穷人和一个富人来说，如果你假设他们有相似的工作量和相似的问题，富人就可以少思考，少压力。我们经常听说富人的问题更多，但这与事实相去甚远。
这些问题几乎总是人为的或者是被夸大的。
Those problems are almost always artificial or overblown.
If I have $10 million dollars, and I’m running a company or am running several, I don’t actually need to run them at all.
At each stage, I can hire a manager to overlook the segments of the business I don’t want to. I can slowly become a bystander watching my company grow from the sidelines while I rake in the majority of the money.
If you are poor and you work as one of the managers of that business, you are pretty much doing the same work. You could argue since your boss isn’t working at all anymore, you do most of the work. If something goes wrong with that specific location, you’re screwed. You don’t have the capital to think about the luxury of time. You need to get back to work and pay your bills.
When you’re wealthy, those kinds of thoughts don’t exist. The more capital you have, the more exclusive the club you’re in, the better proportion you can rake in from investments.
The dollar might be equal to a dollar, but, depending on how many dollars you’ve made previous, each dollar more becomes more meaningless and sets you farther ahead without actually working.
如果我有1000万美元，并且我在经营一家公司或者几家公司，我实际上根本不需要经营它们。
在每个阶段，我都可以聘请一位经理来忽略我不想要的业务部门。我可以慢慢地成为一个旁观者，看着我的公司成长，而我却赚了大部分钱。
如果你很穷，而且你是那家公司的经理之一，那么你基本上就是在做同样的工作。你可以争辩说，因为你的老板已经不工作了，所以大部分工作都是你做的。如果那个特定位置出了问题，你就完蛋了。你没有资本去考虑时间的奢侈。你得回去工作，付账单。
当你富有的时候，这种想法就不存在了。你拥有的资本越多，你所在的圈子就越独立，你就能从投资中获得更大的收益。
一美元可能等于一美元，但是，取决于你之前赚了多少美元，每多一美元都变得越来越没有意义，让你在没有实际工作的情况下走得更远。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
If I have $10 million dollars, and I’m running a company or am running several, I don’t actually need to run them at all.
At each stage, I can hire a manager to overlook the segments of the business I don’t want to. I can slowly become a bystander watching my company grow from the sidelines while I rake in the majority of the money.
If you are poor and you work as one of the managers of that business, you are pretty much doing the same work. You could argue since your boss isn’t working at all anymore, you do most of the work. If something goes wrong with that specific location, you’re screwed. You don’t have the capital to think about the luxury of time. You need to get back to work and pay your bills.
When you’re wealthy, those kinds of thoughts don’t exist. The more capital you have, the more exclusive the club you’re in, the better proportion you can rake in from investments.
The dollar might be equal to a dollar, but, depending on how many dollars you’ve made previous, each dollar more becomes more meaningless and sets you farther ahead without actually working.
如果我有1000万美元，并且我在经营一家公司或者几家公司，我实际上根本不需要经营它们。
在每个阶段，我都可以聘请一位经理来忽略我不想要的业务部门。我可以慢慢地成为一个旁观者，看着我的公司成长，而我却赚了大部分钱。
如果你很穷，而且你是那家公司的经理之一，那么你基本上就是在做同样的工作。你可以争辩说，因为你的老板已经不工作了，所以大部分工作都是你做的。如果那个特定位置出了问题，你就完蛋了。你没有资本去考虑时间的奢侈。你得回去工作，付账单。
当你富有的时候，这种想法就不存在了。你拥有的资本越多，你所在的圈子就越独立，你就能从投资中获得更大的收益。
一美元可能等于一美元，但是，取决于你之前赚了多少美元，每多一美元都变得越来越没有意义，让你在没有实际工作的情况下走得更远。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Zeb Mattey
I’ve lived with a few hundred people. Some who’ve been on minimum wage for 10 years, other friends of mine who graduated college and moved straight in to 80k+ jobs, a Multi-millionaire CEO, and I’ve tried to observe them all.
What I’ve noticed with poorer people, or low performers is that the moment they have time to themselves they spend it on pleasure. Alcohol, tobacco, videogames, browsing instagram, the time is always spent on pleasure. To them it seems to be a relief from the day, and usually something they’re looking forward to the whole day. They’re counting down the clock until they can get their goody. I’ve lived with these people a number of times and always:
They’re getting paid very little and in a poor professional position.
They’re getting paid OK but in an awful professional position, working long hours, or in essence, being given grunt work.
They’re failing their classes.
Stressed as they have few savings.
Live in a room sharing an apartment with several others.
我和几百个人一起生活过。有些人拿着最低工资已经10年了，我的其他朋友大学毕业后直接跳槽到8万以上的工作岗位，还有一位身家数百万的首席执行官，我试图观察他们所有人。
我注意到，穷人或者低绩效者一旦有了属于自己的时间，他们就会把时间花在寻欢作乐上。酒精，烟草，电子游戏，浏览 Instagram，时间总是花在快乐上。对他们来说，这似乎是一种解脱，而且通常是他们期待了一整天的事情。他们正在倒计时，直到他们能得到他们的好东西。我和这些人一起生活过很多次：
他们的工资很低，职业地位也很差。
他们收入不错，但是职业地位很糟糕，工作时间很长，或者本质上就是干些枯燥乏味的工作。
他们功课不及格。
因为他们几乎没有储蓄而倍感压力。
和其他几个人住在同一个房间里。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
I’ve lived with a few hundred people. Some who’ve been on minimum wage for 10 years, other friends of mine who graduated college and moved straight in to 80k+ jobs, a Multi-millionaire CEO, and I’ve tried to observe them all.
What I’ve noticed with poorer people, or low performers is that the moment they have time to themselves they spend it on pleasure. Alcohol, tobacco, videogames, browsing instagram, the time is always spent on pleasure. To them it seems to be a relief from the day, and usually something they’re looking forward to the whole day. They’re counting down the clock until they can get their goody. I’ve lived with these people a number of times and always:
They’re getting paid very little and in a poor professional position.
They’re getting paid OK but in an awful professional position, working long hours, or in essence, being given grunt work.
They’re failing their classes.
Stressed as they have few savings.
Live in a room sharing an apartment with several others.
我和几百个人一起生活过。有些人拿着最低工资已经10年了，我的其他朋友大学毕业后直接跳槽到8万以上的工作岗位，还有一位身家数百万的首席执行官，我试图观察他们所有人。
我注意到，穷人或者低绩效者一旦有了属于自己的时间，他们就会把时间花在寻欢作乐上。酒精，烟草，电子游戏，浏览 Instagram，时间总是花在快乐上。对他们来说，这似乎是一种解脱，而且通常是他们期待了一整天的事情。他们正在倒计时，直到他们能得到他们的好东西。我和这些人一起生活过很多次：
他们的工资很低，职业地位也很差。
他们收入不错，但是职业地位很糟糕，工作时间很长，或者本质上就是干些枯燥乏味的工作。
他们功课不及格。
因为他们几乎没有储蓄而倍感压力。
和其他几个人住在同一个房间里。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Some people choose a different course of action. The moment they get home from work they begin investing their time in activities that have a long term pay off. They exercise, play sports with some friends, or read for a few hours, write, study, work on a side project/business to make a little extra cash, research a company to invest in. Then usually around 9pm they clock off and enjoy a few hours of leisure. These people
Are always in professional positions they’ve somewhat chosen and enjoy. Professions with room for growth and impact.
Have a comfortable income and live in a nice apartment (unless saving).
Are calm as they have savings
Have hobbies and skills they’re interested in building.
Have a vision.
有些人选择了不同的行为方式。他们一下班回家，就开始把时间投入到长期有回报的活动中。他们锻炼身体，和朋友一起做运动，或者花几个小时读书，写作，学习，为了赚点外快而从事副业/生意，为了投资而研究一家公司。然后通常晚上9点左右，他们打卡下班，享受几个小时的休闲时光。这些人
总是处于他们所选择并喜欢的专业职位。这些职位有成长和影响力的空间。
有一个舒适的收入并且生活在一个不错的公寓（除非储蓄）。
他们很淡定，因为他们有积蓄
拥有他们感兴趣的爱好和技能。
有一个愿景。
Are always in professional positions they’ve somewhat chosen and enjoy. Professions with room for growth and impact.
Have a comfortable income and live in a nice apartment (unless saving).
Are calm as they have savings
Have hobbies and skills they’re interested in building.
Have a vision.
有些人选择了不同的行为方式。他们一下班回家，就开始把时间投入到长期有回报的活动中。他们锻炼身体，和朋友一起做运动，或者花几个小时读书，写作，学习，为了赚点外快而从事副业/生意，为了投资而研究一家公司。然后通常晚上9点左右，他们打卡下班，享受几个小时的休闲时光。这些人
总是处于他们所选择并喜欢的专业职位。这些职位有成长和影响力的空间。
有一个舒适的收入并且生活在一个不错的公寓（除非储蓄）。
他们很淡定，因为他们有积蓄
拥有他们感兴趣的爱好和技能。
有一个愿景。
I’ve only really lived with two ultra high performers, and they were quite different. One, arguably more successful than the other, worked incredibly hard - but they worked for a vision of their overall life. They enjoyed life more than anyone I knew, travelling constantly, meeting people everywhere - at coffee shops, on the street, at events with other people having a huge impact in their fields (art, business, technology, climate change) they had a fantastic quality of life. Their life seemed to supply the energy for their work, it was a symbiotic relationship
This individual founded a company and works with some big names you’d recognise, is a wonderful person, and is never ‘off’. Occasionally parties, but maintains a very strong sense of discipline and rigour. Never seems to be escaping anything, meets life head on, invests time and money, takes advice from experts, etc.
The other individual is just really smart. Smokes weed, plays tons of games, makes all the same mistakes as Class I, but is just smart so makes 6x their salary. But he did get one of the best private educations my country offers, so there’s that.
我只和两个表现出色的人一起生活过，他们完全不同。一个人，可以说比另一个人更成功，工作非常努力——但是他们为了他们整个生活的愿景而工作。他们比我认识的任何人都享受生活，经常旅行，到处与人见面——在咖啡馆，在大街上，在其他人对他们的领域（艺术，商业，技术，气候变化）产生巨大影响的活动中，他们有着极好的生活品质。他们的生活似乎为他们的工作提供了能量，这是一种共生关系
这个人成立了一家公司，和一些你认识的大人物一起工作，他是一个很棒的人，从来不会“离开”。偶尔参加聚会，但保持着很强的纪律性和严谨性。似乎从不逃避任何事情，直面生活，投入时间和金钱，听取专家的建议等等。
另一个人真的很聪明。抽大麻，玩游戏，犯和第一类人一样的错误，但很聪明，所以薪水是他们的6倍。但他确实接受了我国最好的私立教育之一，所以就是这样。
This individual founded a company and works with some big names you’d recognise, is a wonderful person, and is never ‘off’. Occasionally parties, but maintains a very strong sense of discipline and rigour. Never seems to be escaping anything, meets life head on, invests time and money, takes advice from experts, etc.
The other individual is just really smart. Smokes weed, plays tons of games, makes all the same mistakes as Class I, but is just smart so makes 6x their salary. But he did get one of the best private educations my country offers, so there’s that.
我只和两个表现出色的人一起生活过，他们完全不同。一个人，可以说比另一个人更成功，工作非常努力——但是他们为了他们整个生活的愿景而工作。他们比我认识的任何人都享受生活，经常旅行，到处与人见面——在咖啡馆，在大街上，在其他人对他们的领域（艺术，商业，技术，气候变化）产生巨大影响的活动中，他们有着极好的生活品质。他们的生活似乎为他们的工作提供了能量，这是一种共生关系
这个人成立了一家公司，和一些你认识的大人物一起工作，他是一个很棒的人，从来不会“离开”。偶尔参加聚会，但保持着很强的纪律性和严谨性。似乎从不逃避任何事情，直面生活，投入时间和金钱，听取专家的建议等等。
另一个人真的很聪明。抽大麻，玩游戏，犯和第一类人一样的错误，但很聪明，所以薪水是他们的6倍。但他确实接受了我国最好的私立教育之一，所以就是这样。
So I’d say in most cases there are predictable differences. Poor people often don’t invest their time, they seek relief and rarely have vision.
However some wealthy people fall into this category merely because luck or pure intelligence got them by.
The really high performers stand out, very obviously, in almost everything they do. They apply their entire energy reserve without compromise, and the results are spectacular.
It’s for these reasons that I sometimes question the endless conversations about inequality in wealthy countries. I’m sure it is there, but in almost every case I’ve observed the people who perform at a lower level do so because they aren’t willing to sacrifice pleasure. They make a choice and know full well the consequences, whereas those who do well make a sacrifice.
There are exceptions however, some people really have had a difficult run, which lead to mental issues, painful traumas, and such people deserve compassion and help, and should not be quantified by the number on their bank balance.
所以我得说，在大多数情况下，差异是可以预见的。穷人往往不投入他们的时间，他们寻求救济，很少有远见。
然而，有些富人之所以属于这一类，仅仅是因为运气或纯粹的智力使他们得以生存。
真正的高绩效者在他们所做的几乎所有事情中脱颖而出，非常明显。他们毫不妥协地动用了所有的能源储备，结果是惊人的。
正是由于这些原因，我有时会质疑富裕国家关于不平等的无休止的讨论。我确信这是存在的，但是在几乎每一个案例中，我都观察到那些表现较差的人之所以这样做，是因为他们不愿意牺牲快乐。他们做出选择并且很清楚后果，而那些做得好的人会做出牺牲。
然而，也有例外，有些人确实经历了一段困难的时期，这导致了精神问题，痛苦的创伤，这些人应该得到同情和帮助，而不应该用他们银行存款余额的数字来量化。
However some wealthy people fall into this category merely because luck or pure intelligence got them by.
The really high performers stand out, very obviously, in almost everything they do. They apply their entire energy reserve without compromise, and the results are spectacular.
It’s for these reasons that I sometimes question the endless conversations about inequality in wealthy countries. I’m sure it is there, but in almost every case I’ve observed the people who perform at a lower level do so because they aren’t willing to sacrifice pleasure. They make a choice and know full well the consequences, whereas those who do well make a sacrifice.
There are exceptions however, some people really have had a difficult run, which lead to mental issues, painful traumas, and such people deserve compassion and help, and should not be quantified by the number on their bank balance.
所以我得说，在大多数情况下，差异是可以预见的。穷人往往不投入他们的时间，他们寻求救济，很少有远见。
然而，有些富人之所以属于这一类，仅仅是因为运气或纯粹的智力使他们得以生存。
真正的高绩效者在他们所做的几乎所有事情中脱颖而出，非常明显。他们毫不妥协地动用了所有的能源储备，结果是惊人的。
正是由于这些原因，我有时会质疑富裕国家关于不平等的无休止的讨论。我确信这是存在的，但是在几乎每一个案例中，我都观察到那些表现较差的人之所以这样做，是因为他们不愿意牺牲快乐。他们做出选择并且很清楚后果，而那些做得好的人会做出牺牲。
然而，也有例外，有些人确实经历了一段困难的时期，这导致了精神问题，痛苦的创伤，这些人应该得到同情和帮助，而不应该用他们银行存款余额的数字来量化。
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