QA：为什么大多数人成不了百万富翁？
正文翻译
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原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
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原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
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。
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。
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。
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。
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。
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。
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。
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。
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。
Greg Sullivan
Because their parents aren’t multi-millionaires.
Most people would agree we learn from our mistakes, only those from a upper middle class/wealthy background have the familial and social support to recover from such mistakes.
Certainly there are people from poor or migrant backgrounds who become wealthy, but many more remain poor or end up in prison.
Unusual stories are more interesting and everyone loves a “rags to riches” story, it’s more uplifting than the depressing reality.
Many people who claim to be “self made” millionaires de-emphasise the role familial and peer group support played in their success.
For more about this phenomenon, listen to the “Headwind, Tailwind” episode of the Freakonomics podcast.
The idea is that like when riding a bike, we are at every moment annoyed and irritated by a headwind, yet fail to notice a tailwind.
The millionaire who is clever and hardworking notices every day the tax she pays, the government regulations she must comply with, the dirty tactics of her competitors, the unreasonable demands of her customer, the theft from her employees, the damage done by her tenants.
While a clever, hardworking millionaire sweeps the front of her shop before her employees arrive, she probably doesn’t feel grateful for the excellent private education she received.
When she’s doing the books long after closing hours, she probably doesn’t think about how her exclusive university education left her with a circle of wealthy and influential friends.
When the tireless millionaire has to take the tough choice of firing an under-performing employee she has no room to remember the interest free loan her parents gave her to start her business.
Rich people are not more capable, smarter or braver, they simply have more opportunities to succeed and more ability to recover from failure.
Poor people are not lazy or stupid or timid, they are simply have fewer opportunities and less ability to recover from mistakes.
因为他们的父母不是千万富翁。
大多数人都会同意我们应当从错误中学习，但只有那些来自中上阶层/富裕背景的人有家庭和社会支持，可以从这种错误中恢复。
当然，也有穷人或移民背景的人成为富人，但更多的人仍然是穷人或最终被关进监狱。
不同寻常的故事更有趣，也更受欢迎，每个人都喜欢 "衣锦还乡 "的故事，它比令人沮丧的现实更令人振奋。
许多声称自己 "白手起家 "的百万富翁的人，往往不会去强调家庭和同龄人的支持在他们的成功中所发挥的作用。
关于这一现象的更多信息，请去听听《魔鬼经济学》播客中的 "逆风、顺风 "一节。
其意思是说，就像骑自行车，我们时时刻刻都被逆风所烦扰和刺激，然而却没有注意到逆风。
聪明而勤奋的百万富翁每天都会注意到她所缴纳的税款，她必须遵守的政府法规，她竞争对手的肮脏手段，她客户的不合理要求，她员工的盗窃行为，她租户造成的损害。
当一个聪明、勤奋的百万富翁在她的员工到来之前清扫她的店面时，她可能不会感激她所接受的优秀私立教育。
当她在打烊后很久还在做账时，她可能不会想到她所接受的专业大学教育是如何给她留下了一圈富有和有影响力的朋友。
当这位不知疲倦的百万富翁不得不做出艰难的抉择，解雇一名表现不佳的员工时，她可能没有余力去回忆她父母给她创业的无息贷款。
富人不是更有能力、更聪明或更勇敢，他们只是有更多的机会取得成功，有更多的能力从失败中恢复过来。
穷人不是懒惰、愚蠢或胆小，他们只是机会更少，从错误中恢复过来的能力更弱。
Because their parents aren’t multi-millionaires.
Most people would agree we learn from our mistakes, only those from a upper middle class/wealthy background have the familial and social support to recover from such mistakes.
Certainly there are people from poor or migrant backgrounds who become wealthy, but many more remain poor or end up in prison.
Unusual stories are more interesting and everyone loves a “rags to riches” story, it’s more uplifting than the depressing reality.
Many people who claim to be “self made” millionaires de-emphasise the role familial and peer group support played in their success.
For more about this phenomenon, listen to the “Headwind, Tailwind” episode of the Freakonomics podcast.
The idea is that like when riding a bike, we are at every moment annoyed and irritated by a headwind, yet fail to notice a tailwind.
The millionaire who is clever and hardworking notices every day the tax she pays, the government regulations she must comply with, the dirty tactics of her competitors, the unreasonable demands of her customer, the theft from her employees, the damage done by her tenants.
While a clever, hardworking millionaire sweeps the front of her shop before her employees arrive, she probably doesn’t feel grateful for the excellent private education she received.
When she’s doing the books long after closing hours, she probably doesn’t think about how her exclusive university education left her with a circle of wealthy and influential friends.
When the tireless millionaire has to take the tough choice of firing an under-performing employee she has no room to remember the interest free loan her parents gave her to start her business.
Rich people are not more capable, smarter or braver, they simply have more opportunities to succeed and more ability to recover from failure.
Poor people are not lazy or stupid or timid, they are simply have fewer opportunities and less ability to recover from mistakes.
因为他们的父母不是千万富翁。
大多数人都会同意我们应当从错误中学习，但只有那些来自中上阶层/富裕背景的人有家庭和社会支持，可以从这种错误中恢复。
当然，也有穷人或移民背景的人成为富人，但更多的人仍然是穷人或最终被关进监狱。
不同寻常的故事更有趣，也更受欢迎，每个人都喜欢 "衣锦还乡 "的故事，它比令人沮丧的现实更令人振奋。
许多声称自己 "白手起家 "的百万富翁的人，往往不会去强调家庭和同龄人的支持在他们的成功中所发挥的作用。
关于这一现象的更多信息，请去听听《魔鬼经济学》播客中的 "逆风、顺风 "一节。
其意思是说，就像骑自行车，我们时时刻刻都被逆风所烦扰和刺激，然而却没有注意到逆风。
聪明而勤奋的百万富翁每天都会注意到她所缴纳的税款，她必须遵守的政府法规，她竞争对手的肮脏手段，她客户的不合理要求，她员工的盗窃行为，她租户造成的损害。
当一个聪明、勤奋的百万富翁在她的员工到来之前清扫她的店面时，她可能不会感激她所接受的优秀私立教育。
当她在打烊后很久还在做账时，她可能不会想到她所接受的专业大学教育是如何给她留下了一圈富有和有影响力的朋友。
当这位不知疲倦的百万富翁不得不做出艰难的抉择，解雇一名表现不佳的员工时，她可能没有余力去回忆她父母给她创业的无息贷款。
富人不是更有能力、更聪明或更勇敢，他们只是有更多的机会取得成功，有更多的能力从失败中恢复过来。
穷人不是懒惰、愚蠢或胆小，他们只是机会更少，从错误中恢复过来的能力更弱。
Zelda Rudd
To become a millionaire, you need to own assets worth millions.
You don’t get to own assets worth millions by saving from your paycheck. You need income from investments.
Most people will never be able to save enough money, which they can invest. Even if you’re making a lot of money, you pay so much in taxes, student debt, rent, day-to-day living expenses, commuting that you never have enough to invest.
Some notable exceptions are people in the entertainment industry who make a lot of money from an early age. Or perhaps a handful of talented bankers and lawyers who earn well in their mid twenties already. Apart from being able to eventually become millionaires simply by means of their monthly paycheck, they earn so much that they can invest a lot and make even more millions.
Do you see where’s the problem? The overwhelmingly vast majority of people will never earn enough money to even be on the path to becoming millionaires. At the same time, a tiny small proportion of the population will earn so much money that they will become multi-millionaires and even billionaires. These are people who were born with special talents and skills. So, to answer the question, most people will never become millionaires because they were not born with talents worth millions.
If a life coach or a personal finance guru or something dares to tell you that you’re not going to be a millionaire because you don’t live and spend the right way… they are lying to you.
要成为百万富翁，你需要拥有价值百万的资产。
你不能靠拿薪水存钱来拥有价值数百万的资产，你需要从投资中获得收入。
大多数人永远不可能存下足够的钱来投资，即使你赚了很多钱，你也要支付很多税款、学生贷款、房租、日常生活开支、交通费，以至于你从来没有足够的钱来投资。
一些值得注意的例外是娱乐行业的人，他们从小就能赚很多钱，或者也许是少数才华横溢的银行家和律师，他们在二十多岁的时候就已经收入颇丰，仅仅通过每月的收入就能成为百万富翁，他们赚的钱如此之多，以至于他们可以进行大量投资，赚取更多的百万美元。
你看出问题所在了吗？绝大多数人永远不会赚到足够的钱，甚至不会成为百万富翁，与此同时，一小部分人将赚取非常多的钱，他们将成为数百万富翁，甚至亿万富翁，这些人生来就有特殊的才能和技能，所以，现在来回答这个问题，大多数人永远不会成为百万富翁，因为他们不是天生就拥有价值数百万的才能。
如果某个人生导师或者某个人理财专家或者别的什么人敢告诉你，你成不了百万富翁都是因为你的生活和消费方式不对........抱歉，他们在对你撒谎。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
To become a millionaire, you need to own assets worth millions.
You don’t get to own assets worth millions by saving from your paycheck. You need income from investments.
Most people will never be able to save enough money, which they can invest. Even if you’re making a lot of money, you pay so much in taxes, student debt, rent, day-to-day living expenses, commuting that you never have enough to invest.
Some notable exceptions are people in the entertainment industry who make a lot of money from an early age. Or perhaps a handful of talented bankers and lawyers who earn well in their mid twenties already. Apart from being able to eventually become millionaires simply by means of their monthly paycheck, they earn so much that they can invest a lot and make even more millions.
Do you see where’s the problem? The overwhelmingly vast majority of people will never earn enough money to even be on the path to becoming millionaires. At the same time, a tiny small proportion of the population will earn so much money that they will become multi-millionaires and even billionaires. These are people who were born with special talents and skills. So, to answer the question, most people will never become millionaires because they were not born with talents worth millions.
If a life coach or a personal finance guru or something dares to tell you that you’re not going to be a millionaire because you don’t live and spend the right way… they are lying to you.
要成为百万富翁，你需要拥有价值百万的资产。
你不能靠拿薪水存钱来拥有价值数百万的资产，你需要从投资中获得收入。
大多数人永远不可能存下足够的钱来投资，即使你赚了很多钱，你也要支付很多税款、学生贷款、房租、日常生活开支、交通费，以至于你从来没有足够的钱来投资。
一些值得注意的例外是娱乐行业的人，他们从小就能赚很多钱，或者也许是少数才华横溢的银行家和律师，他们在二十多岁的时候就已经收入颇丰，仅仅通过每月的收入就能成为百万富翁，他们赚的钱如此之多，以至于他们可以进行大量投资，赚取更多的百万美元。
你看出问题所在了吗？绝大多数人永远不会赚到足够的钱，甚至不会成为百万富翁，与此同时，一小部分人将赚取非常多的钱，他们将成为数百万富翁，甚至亿万富翁，这些人生来就有特殊的才能和技能，所以，现在来回答这个问题，大多数人永远不会成为百万富翁，因为他们不是天生就拥有价值数百万的才能。
如果某个人生导师或者某个人理财专家或者别的什么人敢告诉你，你成不了百万富翁都是因为你的生活和消费方式不对........抱歉，他们在对你撒谎。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Micheal Contini
Not believing it’s possible for THEM.
Believing that they have to steal or take money away from others to get rich.
Reading self-help books and consuming motivational content instead of producing.
Won’t master in-demand skills.
Won’t study and master PERSUASION.
Thinking sales and marketing is sleazy.
Falling for scams…*cough* BTC *cough*
Being afraid of criticism.
Being afraid of failure.
Not becoming a master of communication.
Needy as hell.
不相信他们能做到。
认为他们必须偷窃或从别人那里拿钱才能致富。
读励志书籍和激励消费性内容，而不是创造。
不会掌握市场需求的技能。
不会学习，掌握说服力。
认为销售和市场营销是低级的。
陷入骗局... * 咳咳* 比特币 * 咳咳 *
害怕批评。
害怕失败。
没成为沟通的高手。
穷得要命。
Not believing it’s possible for THEM.
Believing that they have to steal or take money away from others to get rich.
Reading self-help books and consuming motivational content instead of producing.
Won’t master in-demand skills.
Won’t study and master PERSUASION.
Thinking sales and marketing is sleazy.
Falling for scams…*cough* BTC *cough*
Being afraid of criticism.
Being afraid of failure.
Not becoming a master of communication.
Needy as hell.
不相信他们能做到。
认为他们必须偷窃或从别人那里拿钱才能致富。
读励志书籍和激励消费性内容，而不是创造。
不会掌握市场需求的技能。
不会学习，掌握说服力。
认为销售和市场营销是低级的。
陷入骗局... * 咳咳* 比特币 * 咳咳 *
害怕批评。
害怕失败。
没成为沟通的高手。
穷得要命。
Bharath Blaze
Because most of the people don’t take risk!
Have you ever seen anyone becoming rich just by working 9–5?
NO! because they don’t want to come out of there comfort zone and if they do so they have a fear that they might end up bankruptcy and loosing there job.
Most of the billionaires today are college drop-outs, they risked their career, they risked there job to develop most revolutionary products that we are using daily, example: Tesla, Quora, Facebook, Windows, Apple, Twitter and the list continues…
After we get a proper job no one want to learn new skills which will fetch more money this is also a main reason.
Indian parents don’t encourage STARTUP culture, they are killing future CEOs.
After graduation most of us end up in placing IT companies, initially people will join these companies to support there family financially which eventually kill their dreams of starting there own company.
The one who take risk and start their own company by beating all the odds are the one who become Millionaires, at least they are getting job satisfaction by the end of the day.
因为大多数人都不愿承担风险!
你见过有人仅仅通过朝九晚五的工作而变得富有吗？
没有！因为他们不想走出他们的舒适区，如果他们这样做，他们就有一种恐惧，他们可能会以破产和失去工作而告终。
今天的大多数亿万富翁都是大学辍学生，他们冒着事业的风险，冒着失去工作的风险，开发出我们每天都在使用的最革命性的产品，例如：特斯拉、Quora、Facebook、Windows、苹果、Twitter以及其他一些产品。
在我们得到一份合适的工作后，没有人想要学习新的技能来赚更多的钱，这也是一个主要原因。
印度父母不鼓励创业文化，他们正在扼杀未来的CEO。
毕业后，我们中的大多数人都在IT公司工作，最初人们加入这些公司是为了在经济上维系自己的家庭，但这最终扼杀了他们创办自己公司的梦想。
那些冒着风险，克服所有困难创办自己的公司的人，才会成为百万富翁，至少他们也在工作上获得了满足感。
Because most of the people don’t take risk!
Have you ever seen anyone becoming rich just by working 9–5?
NO! because they don’t want to come out of there comfort zone and if they do so they have a fear that they might end up bankruptcy and loosing there job.
Most of the billionaires today are college drop-outs, they risked their career, they risked there job to develop most revolutionary products that we are using daily, example: Tesla, Quora, Facebook, Windows, Apple, Twitter and the list continues…
After we get a proper job no one want to learn new skills which will fetch more money this is also a main reason.
Indian parents don’t encourage STARTUP culture, they are killing future CEOs.
After graduation most of us end up in placing IT companies, initially people will join these companies to support there family financially which eventually kill their dreams of starting there own company.
The one who take risk and start their own company by beating all the odds are the one who become Millionaires, at least they are getting job satisfaction by the end of the day.
因为大多数人都不愿承担风险!
你见过有人仅仅通过朝九晚五的工作而变得富有吗？
没有！因为他们不想走出他们的舒适区，如果他们这样做，他们就有一种恐惧，他们可能会以破产和失去工作而告终。
今天的大多数亿万富翁都是大学辍学生，他们冒着事业的风险，冒着失去工作的风险，开发出我们每天都在使用的最革命性的产品，例如：特斯拉、Quora、Facebook、Windows、苹果、Twitter以及其他一些产品。
在我们得到一份合适的工作后，没有人想要学习新的技能来赚更多的钱，这也是一个主要原因。
印度父母不鼓励创业文化，他们正在扼杀未来的CEO。
毕业后，我们中的大多数人都在IT公司工作，最初人们加入这些公司是为了在经济上维系自己的家庭，但这最终扼杀了他们创办自己公司的梦想。
那些冒着风险，克服所有困难创办自己的公司的人，才会成为百万富翁，至少他们也在工作上获得了满足感。
J Bireus
There’s sooooo many factors that involve in denying people that possibility. 1 is
Convenience along with resources
There’s a reason why people have a negative taste towards big brand companies. They have gigantic resources to sway those under their wing.
Imaging going against giants like Disney or Walmart. They possess big markets in terms of selling entertainment; for Disney, and necessities; for Walmart. Being massive giants of their respective name brand craft they have enough resources to sway the public a specific way because they control the numbers. Everything is a number game. It all boils down to Probability, Percentage and Conversions.
You will never convince everyone to do everything you want that will benefit you. Which is kind of the point of a sale. But you can convince some of them. That brings you money. So to increase that probability you market better than your competition. That brings your percentage chance to a conversion to a higher ratio.
So based on your geographic area along with what you’re marketing, your chances to selling, along with selling a lot of said sale will be increasingly difficult.
Sure I could speak about
Laziness
Poor work structure
Lying
Not waking up at 4AM
Not taking Cold showers
Staying in your Comfort
Working 9–5
Etc etc… but the reality of a lot of situation, you’re going against giants who own the market that you’re trying make money in, thus making it difficult. So your best shot is to try and take control of the market or create your own market. That’s your best chance to become a millionaire, your market will spill into other markets. It’s always possible possible, just gets harder everyday with established businesses having a greater control over a specific narrative.
有太多太多的因素否决了这种可能性，首先是：
便利性和资源
人们对大品牌公司有负面评价是有原因的，它们拥有巨大的资源来影响那些在他们羽翼之下的人。
想象一下与像迪斯尼或沃尔玛这样的巨头对抗的情景，在娱乐、迪斯尼和生活必需品以及沃尔玛方面，他们拥有巨大的市场，作为各自品牌行业的巨头，他们有足够的资源以特定的方式影响公众，因为他们控制着数字，一切都是数字游戏，这一切都归结为概率，百分比和转换。
你永远没法说服每个人去做你想做的一切，，而这些事情对你有利，这就是销售的重点，但你可以说服他们中的一些人，这会给你带来财富，所以为了增加这种可能性，你要比你的竞争对手做得更好，这样你的转化率才会更高。
因此，根据你的地理区域和你的营销策略，你的销售机会，以及大量的所述销售将越来越困难。
当然，我可以说原因在于：
懒惰
糟糕的工作
撒谎
不在凌晨4点醒来
不洗冷水澡
安于舒适区
朝九晚五的工作
等等。
但现实是，但现实中的很多情况是，你的对手是那些拥有你想赚钱的市场的巨头，这让你很难达成目标，所以你最好的选择就是试着控制市场或者创造你自己的市场，这是你成为百万富翁的最好机会，你的市场将移除到其他市场，一般这都是有可能的，只是每天都会变得更加困难，因为现有的企业对特定的叙事有更大的控制力。
There’s sooooo many factors that involve in denying people that possibility. 1 is
Convenience along with resources
There’s a reason why people have a negative taste towards big brand companies. They have gigantic resources to sway those under their wing.
Imaging going against giants like Disney or Walmart. They possess big markets in terms of selling entertainment; for Disney, and necessities; for Walmart. Being massive giants of their respective name brand craft they have enough resources to sway the public a specific way because they control the numbers. Everything is a number game. It all boils down to Probability, Percentage and Conversions.
You will never convince everyone to do everything you want that will benefit you. Which is kind of the point of a sale. But you can convince some of them. That brings you money. So to increase that probability you market better than your competition. That brings your percentage chance to a conversion to a higher ratio.
So based on your geographic area along with what you’re marketing, your chances to selling, along with selling a lot of said sale will be increasingly difficult.
Sure I could speak about
Laziness
Poor work structure
Lying
Not waking up at 4AM
Not taking Cold showers
Staying in your Comfort
Working 9–5
Etc etc… but the reality of a lot of situation, you’re going against giants who own the market that you’re trying make money in, thus making it difficult. So your best shot is to try and take control of the market or create your own market. That’s your best chance to become a millionaire, your market will spill into other markets. It’s always possible possible, just gets harder everyday with established businesses having a greater control over a specific narrative.
有太多太多的因素否决了这种可能性，首先是：
便利性和资源
人们对大品牌公司有负面评价是有原因的，它们拥有巨大的资源来影响那些在他们羽翼之下的人。
想象一下与像迪斯尼或沃尔玛这样的巨头对抗的情景，在娱乐、迪斯尼和生活必需品以及沃尔玛方面，他们拥有巨大的市场，作为各自品牌行业的巨头，他们有足够的资源以特定的方式影响公众，因为他们控制着数字，一切都是数字游戏，这一切都归结为概率，百分比和转换。
你永远没法说服每个人去做你想做的一切，，而这些事情对你有利，这就是销售的重点，但你可以说服他们中的一些人，这会给你带来财富，所以为了增加这种可能性，你要比你的竞争对手做得更好，这样你的转化率才会更高。
因此，根据你的地理区域和你的营销策略，你的销售机会，以及大量的所述销售将越来越困难。
当然，我可以说原因在于：
懒惰
糟糕的工作
撒谎
不在凌晨4点醒来
不洗冷水澡
安于舒适区
朝九晚五的工作
等等。
但现实是，但现实中的很多情况是，你的对手是那些拥有你想赚钱的市场的巨头，这让你很难达成目标，所以你最好的选择就是试着控制市场或者创造你自己的市场，这是你成为百万富翁的最好机会，你的市场将移除到其他市场，一般这都是有可能的，只是每天都会变得更加困难，因为现有的企业对特定的叙事有更大的控制力。
CJ Ressler
Time and circumstance. Time and circumstance change everything.
Many, many years ago, in the 1940s, or 1950s, 1960s, 1970s, you may have asked, “What stops the majority of people from earning $10,000.00 per year?” Yet today, the majority of people in first-world countries do earn more than $10,000.00 annually.
Today, most of those people actually earn over $1,000,000 during their lifetimes of consistent full-time work.
Even at $10.00 per hour wage, 40 hours per week ($400), 52 weeks per year ($20,800), for 40 years, equals $832,000. That person, in the USA, would be eligible for Medicare and Social Security after working those 40 years (ages 25–65). If the person lives to life expectancy, he or she will have received, in cash and benefits, over $1,000,000 from an hourly wage of $10.00.
Eventually, the majority of first-world people do earn a million dollars. But, they may still be poor.
I think that you are really asking why most people do not hold assets of over a million USD regardless of the amount of income they have received.
I think the answer is twofold: fear of the unknown or unfamiliar and an unwillingness to gain familiarity. It’s easier to do nothing and think that luck, or something else, makes the crucial difference.
People who eventually accrue assets over $1 million are less likely to fear the unfamiliar. It is not unusual for people who are continually poor, even if they have a high income, to automatically tell people with assets, even if they have a much lower income, that they are not interested in the same opportunities that the second group of people were offered and considered.
时间和环境。
时间和环境改变了一切。
很多很多年前，在20世纪40年代，或50年代，60年代，70年代，你可能会问，"是什么阻止了大多数人每年赚取10000美元？" 然而，今天，第一世界国家的大多数人的年收入超过了10000美元。
今天，这些人中的大多数人在他们一生中持续的全职工作中，实际收入超过100万美元。
即使按每小时10美元的工资计算，每周40小时（400美元），每年52周（20800美元），40年，等于832000美元。
在美国，这个人在工作了这40年（25-65岁）后，将有资格享受医疗保险和社会保险，如果这个人活到预期寿命，他或她将从每小时10美元的工资中获得超过100万美元的现金和福利。
最终，大多数第一世界的人确实赚到了一百万美元，但是，他们可能仍然是穷人。
我认为，你真正要问的是，为什么大多数人没法持有超过一百万美元的资产，而不管他们获得了多少收入。
我认为答案有两个方面：
对未知或不熟悉的恐惧，或者不愿熟悉，什么都不做，认为运气或其他东西起到了至关重要的作用，这比较容易想通。
Time and circumstance. Time and circumstance change everything.
Many, many years ago, in the 1940s, or 1950s, 1960s, 1970s, you may have asked, “What stops the majority of people from earning $10,000.00 per year?” Yet today, the majority of people in first-world countries do earn more than $10,000.00 annually.
Today, most of those people actually earn over $1,000,000 during their lifetimes of consistent full-time work.
Even at $10.00 per hour wage, 40 hours per week ($400), 52 weeks per year ($20,800), for 40 years, equals $832,000. That person, in the USA, would be eligible for Medicare and Social Security after working those 40 years (ages 25–65). If the person lives to life expectancy, he or she will have received, in cash and benefits, over $1,000,000 from an hourly wage of $10.00.
Eventually, the majority of first-world people do earn a million dollars. But, they may still be poor.
I think that you are really asking why most people do not hold assets of over a million USD regardless of the amount of income they have received.
I think the answer is twofold: fear of the unknown or unfamiliar and an unwillingness to gain familiarity. It’s easier to do nothing and think that luck, or something else, makes the crucial difference.
People who eventually accrue assets over $1 million are less likely to fear the unfamiliar. It is not unusual for people who are continually poor, even if they have a high income, to automatically tell people with assets, even if they have a much lower income, that they are not interested in the same opportunities that the second group of people were offered and considered.
时间和环境。
时间和环境改变了一切。
很多很多年前，在20世纪40年代，或50年代，60年代，70年代，你可能会问，"是什么阻止了大多数人每年赚取10000美元？" 然而，今天，第一世界国家的大多数人的年收入超过了10000美元。
今天，这些人中的大多数人在他们一生中持续的全职工作中，实际收入超过100万美元。
即使按每小时10美元的工资计算，每周40小时（400美元），每年52周（20800美元），40年，等于832000美元。
在美国，这个人在工作了这40年（25-65岁）后，将有资格享受医疗保险和社会保险，如果这个人活到预期寿命，他或她将从每小时10美元的工资中获得超过100万美元的现金和福利。
最终，大多数第一世界的人确实赚到了一百万美元，但是，他们可能仍然是穷人。
我认为，你真正要问的是，为什么大多数人没法持有超过一百万美元的资产，而不管他们获得了多少收入。
我认为答案有两个方面：
对未知或不熟悉的恐惧，或者不愿熟悉，什么都不做，认为运气或其他东西起到了至关重要的作用，这比较容易想通。
An easy example is consideration of the benefits of life insurance. Chronically poor people, regardless of income, are much more likely to think that all life insurance in all situations is “a bad deal,” “risky,” or “not a good investment.” Wealthy people are much more likely to assess its benefits and costs, then act accordingly.
There are many more examples of this fearful naysayer mentality.
I did a little test this week with a $300 offer from a bank. I received a bank offer for a $300 bonus for opening a new checking account. It required automatic deposit of payroll checks (or Social Security and the like) totaling $3,000 in 90 days, depositors over the age of 18, and you could not accept the offer if you had a current account at the bank or had closed an account within the last 12 months. That’s it. $300. for $3,000. in automatic deposits over the first 90 days. No minimum balance. No need to hold the account open for 180 days. It was transferable, but only open to depositors in certain states.
I had already taken advantage of the same offer four months earlier, so I wanted to give this $300. offer to someone else in the eligible states. I started with someone who always needs money. Always. He even moans about it on Facebook. He declined. He met the bank’s criteria, I moved on to another chronically poor person. Declined for a similar reason. Next, an elderly poor person who has had money problems her entire life. Declined because, “I already have a bank.”
最终积累的资产超过100万美元的人不太可能害怕陌生的事物，长期贫困的人，不管收入如何，更有可能认为人寿保险之类在所有情况下都是“糟糕的交易”、“有风险的”或“不是个好投资”，他们对第二组人被提供和考虑的同样机会不感兴趣，这是很正常的。
一个简单的例子是考虑人寿保险的好处。长期贫困的人，无论收入如何，都更有可能认为所有情况下的人寿保险都是 "不划算"、"有风险 "或 "不是好投资"，而富人更有可能评估它的收益和成本，然后采取相应的行动。
这种恐惧的反对者心态的例子还有很多。
本周我用一家银行的300美元报价做了一个小测试，我收到了一家银行提供的300美元鼓励金，用于开设一个新的支票账户，它要求在90天内自动存入总额为3000美元的工资支票（或社会保险之类的），存款人必须年满18岁，而且如果你在该银行有活期账户或在过去12个月内关闭过账户，你就不能接受这个提议，就是这样，前90天内自动存款3000美元，奖励300美元，无需最低余额，不需要在180天内持有该账户，它是可以转让的，但只对某些州的储户开放。
我在四个月前享受了同样的优惠，所以我想把这个300美元的优惠送给符合条件的、本州的其他人，我从一个总缺钱的人开始——他在上非死不可上哀叹呻吟，但他拒绝了，他符合银行的标准，我又转到另一个长期贫困的人，他以类似的理由拒绝了，接下来，我又转向一个年老的穷人，她一生都为钱发愁，然后她也拒绝了，因为 "我已经有一个银行账户"。
There are many more examples of this fearful naysayer mentality.
I did a little test this week with a $300 offer from a bank. I received a bank offer for a $300 bonus for opening a new checking account. It required automatic deposit of payroll checks (or Social Security and the like) totaling $3,000 in 90 days, depositors over the age of 18, and you could not accept the offer if you had a current account at the bank or had closed an account within the last 12 months. That’s it. $300. for $3,000. in automatic deposits over the first 90 days. No minimum balance. No need to hold the account open for 180 days. It was transferable, but only open to depositors in certain states.
I had already taken advantage of the same offer four months earlier, so I wanted to give this $300. offer to someone else in the eligible states. I started with someone who always needs money. Always. He even moans about it on Facebook. He declined. He met the bank’s criteria, I moved on to another chronically poor person. Declined for a similar reason. Next, an elderly poor person who has had money problems her entire life. Declined because, “I already have a bank.”
最终积累的资产超过100万美元的人不太可能害怕陌生的事物，长期贫困的人，不管收入如何，更有可能认为人寿保险之类在所有情况下都是“糟糕的交易”、“有风险的”或“不是个好投资”，他们对第二组人被提供和考虑的同样机会不感兴趣，这是很正常的。
一个简单的例子是考虑人寿保险的好处。长期贫困的人，无论收入如何，都更有可能认为所有情况下的人寿保险都是 "不划算"、"有风险 "或 "不是好投资"，而富人更有可能评估它的收益和成本，然后采取相应的行动。
这种恐惧的反对者心态的例子还有很多。
本周我用一家银行的300美元报价做了一个小测试，我收到了一家银行提供的300美元鼓励金，用于开设一个新的支票账户，它要求在90天内自动存入总额为3000美元的工资支票（或社会保险之类的），存款人必须年满18岁，而且如果你在该银行有活期账户或在过去12个月内关闭过账户，你就不能接受这个提议，就是这样，前90天内自动存款3000美元，奖励300美元，无需最低余额，不需要在180天内持有该账户，它是可以转让的，但只对某些州的储户开放。
我在四个月前享受了同样的优惠，所以我想把这个300美元的优惠送给符合条件的、本州的其他人，我从一个总缺钱的人开始——他在上非死不可上哀叹呻吟，但他拒绝了，他符合银行的标准，我又转到另一个长期贫困的人，他以类似的理由拒绝了，接下来，我又转向一个年老的穷人，她一生都为钱发愁，然后她也拒绝了，因为 "我已经有一个银行账户"。
Now, these people are related to me. The elderly person is closely related and I felt a certain responsibility to her. She had expressed regret at having said, “No,” to my financial advice in the past.
I explained to her that I already have a bank, too. This $300 offer, which I had previously accepted and therefore could not accept again, (or I would have) simply required me to have my direct deposit check go to the new bank account first. It was then externally transferred to my main bank account. It did not have to stay in the new bank’s account. It took 30 minutes of paperwork. 90 days later, I actually did receive the $300.00. The poor person didn’t “want to bother.”
I explained that a guaranteed $300 return, even after taxes, is a great return on $3,000. Nope, didn’t want to bother. Said she gets these offers all the time from various banks. I asked her to send them to me if they are transferable. I’ll use them.
This morning, I saw someone I know who is currently “poor” but does not have a “poor” mentality. She works a regular job and also earns money cleaning houses. She has an actual budget and financial plans for her future. I asked her if she’d like the bank’s offer. She asked about the criteria, determined that she met the requirements, and said, “Yes.” The magic word. Yes. I don’t think that she will always be poor. She will be at least $300 richer in the future.
And that, dear Kenneth, is why most people will never be millionaires. Because, for every one person who says, “Yes,’ at least three will not want to be bothered.
They want to be rich. But, they don’t want to be bothered. People who are not willing to be “bothered” will stay poor, even if they earn over $1,000,000 in their lifetime.
这些人都与我有关系，那位老人与我关系密切，我感到对她有某种责任，她对我的理财建议 "不 "，并对此表示遗憾。
我向她解释，我也已经有一家银行的账户了，这个300美元的提议，我之前已经接受了，因此不能再接受（否则我就会再接受），对方只是要求我把我的直接存款支票先转到新的银行账户，这笔存款不需要留在新银行的账户中，也是就花30分钟拿钱走个过场，90天后，我实实在在的收到了那300美元，而这个可怜的人却 "不愿意麻烦"拒绝了。
我解释说，保底有300美元的回报，即使在税后，回报也比3000美元大，但是，不，她不想麻烦，她说她一直从各家银行收到这些优惠，我让她把优惠寄给我，如果它们是可以转让的，我就拿来会使用。
今天早上，我看到一个我认识的人，她目前是 "穷人"，但没有 "穷人 "的心态，她有一份普通的工作，也有打扫房子的收入，她有现实的预算和对未来的财务计划，我问她是否愿意接受银行的提议，她问了一下标准，确定她符合要求，然后说，"好"，“好”这个词是一个神奇的词汇，是的，我不认为她会一直是穷人，她在未来至少会有300美元的收入。
亲爱的肯尼斯，这就是为什么大多数人永远不会成为百万富翁，因为，每一个说 "好"的人中，至少有三个人不愿意麻烦。
他们想成为富人，但是，他们不愿意麻烦。
不愿意 "麻烦 "的人会一直贫穷下去，即使他们在一生中赚取超过100万美元的收入。
I explained to her that I already have a bank, too. This $300 offer, which I had previously accepted and therefore could not accept again, (or I would have) simply required me to have my direct deposit check go to the new bank account first. It was then externally transferred to my main bank account. It did not have to stay in the new bank’s account. It took 30 minutes of paperwork. 90 days later, I actually did receive the $300.00. The poor person didn’t “want to bother.”
I explained that a guaranteed $300 return, even after taxes, is a great return on $3,000. Nope, didn’t want to bother. Said she gets these offers all the time from various banks. I asked her to send them to me if they are transferable. I’ll use them.
This morning, I saw someone I know who is currently “poor” but does not have a “poor” mentality. She works a regular job and also earns money cleaning houses. She has an actual budget and financial plans for her future. I asked her if she’d like the bank’s offer. She asked about the criteria, determined that she met the requirements, and said, “Yes.” The magic word. Yes. I don’t think that she will always be poor. She will be at least $300 richer in the future.
And that, dear Kenneth, is why most people will never be millionaires. Because, for every one person who says, “Yes,’ at least three will not want to be bothered.
They want to be rich. But, they don’t want to be bothered. People who are not willing to be “bothered” will stay poor, even if they earn over $1,000,000 in their lifetime.
这些人都与我有关系，那位老人与我关系密切，我感到对她有某种责任，她对我的理财建议 "不 "，并对此表示遗憾。
我向她解释，我也已经有一家银行的账户了，这个300美元的提议，我之前已经接受了，因此不能再接受（否则我就会再接受），对方只是要求我把我的直接存款支票先转到新的银行账户，这笔存款不需要留在新银行的账户中，也是就花30分钟拿钱走个过场，90天后，我实实在在的收到了那300美元，而这个可怜的人却 "不愿意麻烦"拒绝了。
我解释说，保底有300美元的回报，即使在税后，回报也比3000美元大，但是，不，她不想麻烦，她说她一直从各家银行收到这些优惠，我让她把优惠寄给我，如果它们是可以转让的，我就拿来会使用。
今天早上，我看到一个我认识的人，她目前是 "穷人"，但没有 "穷人 "的心态，她有一份普通的工作，也有打扫房子的收入，她有现实的预算和对未来的财务计划，我问她是否愿意接受银行的提议，她问了一下标准，确定她符合要求，然后说，"好"，“好”这个词是一个神奇的词汇，是的，我不认为她会一直是穷人，她在未来至少会有300美元的收入。
亲爱的肯尼斯，这就是为什么大多数人永远不会成为百万富翁，因为，每一个说 "好"的人中，至少有三个人不愿意麻烦。
他们想成为富人，但是，他们不愿意麻烦。
不愿意 "麻烦 "的人会一直贫穷下去，即使他们在一生中赚取超过100万美元的收入。
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