那些挣了大钱的人,可不可以说一下有哪些挣钱的方式被人忽略了?
2023-04-17 Kira_Yoshikage 5668
正文翻译

To those who became wealthy, what are the most overlooked ways to earning money that people should look at?

那些挣了大钱的人,可不可以说一下有哪些挣钱的方式被人忽略了?

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评论翻译
neophanweb
Don't get stuck with analysis paralysis, it's real. Focus on the small steps that push your business forward. For example, don't worry about how you will be able to ship 1000 items a day when you're selling 0 items a day.

别陷入分析瘫痪,真的。认真考虑那些能够把你的企业往前推动的小事情。举个例子,如果你一天连一个商品都卖不出去,就不要担心以后怎么运1000个商品。

scorpiondoll
As mentioned above, when you’re making money… pretend like you’re not. I’ve possessed this mindset since 2020 and am the most financially secure I’ve ever been. Spend less than you earn — it can be so much simpler than people make it out to be. Creating a budget spreadsheet of your weekly/monthly expenses can be super helpful too.

正如前面有人提到的,挣钱的时候……假装自己没挣钱。我自从2020年以来一直保持着这种思维方式,于是到了现在我终于达到了此生最为财富安全的时刻。不要花得比挣得多——这个道理其实比很多人想的要简单。此外,给你的每周、每月支出弄一份账单也会很有用处。

series_hybrid
There are many ways to fail at a new business, but successful start-ups seem to follow a pattern.

新企业想要失败,方法有很多种,但是成功的初创企业似乎都是有迹可循的。

When my ex and I were discussing the possibility of a side business and hopes that it would "Take off", her most pressing question was "how soon could we lease a Mercedes, because I heard that it's a write-off".

我和我前任讨论开自己的生意的可能性,并且希望它能“一飞冲天”的时候,她问的最多的问题就是“我们什么时候能租一辆奔驰,因为我听说能报销”。

A few years after that, she chose to go off on her own path, and now, several decades after our split...she still does not have a successful business.

过了几年之后,她决定去走自己的道路。到了今天,我们分手已经有几十年了……但她仍然没有属于自己的成功的企业。

Ukhupa
I wonder if people see "write-off" and think that somehow the item will be free.

我在想人们是不是看见“报销”这两个字就觉得那东西是免费的。
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sassyseconds
I got a million. Literally just today a woman came in for a small loan for an emergency expense and we barely got her approved because she nearly owed more in monthly payments than her net income each month.... this woman's salary is $400,000/year. And she doesn't have a couple thousand dollars for an unexpected expense.

我有一百万。就在今天,有个女人因为急用钱来找我们借钱,我们差点没办法让她通过审批,因为她贷款的月供差不多比每个月的净收入还多……这个女人的年薪是40万美元。然后她连几千美元的应急钱都没有。

She's over $70,000 in credit card debt. Not to mention her personal loans at every rinkydinky roadside finance company. This is in a VERY low cost of living area too. This isn't like Los Angela's or some shit.

她光是信用卡就欠了七万多美元。更不用提她从各种各样的可疑的金融公司借的个人贷款了。这还是一个生活成本非常低的地方。这又不是洛杉矶什么的。

I have no idea what she does with all of it. She makes almost triple what me and my 2 employees make combined.

我根本就想不通她拿这笔钱都去干什么了。她挣的钱几乎是我和我的两个员工加一起的三倍。
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HellblazerPrime
... I genuinely don't understand how this is even possible.

我真的想不明白这种事情怎么可能发生。

sassyseconds
We didn't either! Like wtf are all these credit cards and loans for?! She doesn't even have ridiculous vehicles. She has 1 pretty nice, $35,000 vehicle. Definitely above average but definitely not crazy. Usually when I see folks like this, the vehicles are a big part of the problem. But I don't know on this lady.

我们也想不明白!他妈的这些信用卡和贷款到底都用来干什么了?她甚至也没买什么特别离谱的豪车。她只有一辆35000美元的挺好的车。当然高于平均水平,但也没那么离谱。通常来说我遇到这种人的时候,他们的问题都是出在自己买的车子上。但是我不知道这个女的是怎么回事。

squirlnutz
Have a wealth strategy:

要有积累财富的战略:

The hardest path is having a job/career where you are just renting your time to someone else. This is most salaried corporate jobs and hourly pay jobs. To become wealthy doing this long term, you need to rent yourself at a pretty high pay rate and live well below your means for a long, long time, saving and investing well.

最难的道路就是给别人干活,实际上你就是在把自己的时间出租给其他人。绝大多数付薪水的公司岗位和按小时计算工资的岗位都是这样。想要长期靠干这个变得有钱,你就得以很高的价格来出租自己的时间,同时按照很低的生活标准去过日子,过很长、很长的时间,此外你还要认真存款、认真投资。

More realistically, your career needs to involve building equity in something. That could be starting your own business, or could be getting equity in someone else’s business as part of your compensation. As mentioned before, there’s no need for this to be anything innovative or sexy. Just something you are able and willing to put the effort into to be competitive and make happy customers.

更现实一点的方法,就是让你的工作包括创造一些资产。可以是自己开企业,也可以是将得到其他人的资产作为你的工作报酬的一部分。正如之前提到过的,你根本不需要做什么创新的或者性感的事情。你只需要有能力,并且乐意花精力让自己变得有竞争性,并且让客户满意就可以了。
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Another way of building equity is having a job with a generous defined retirement/pension program and taking full advantage of it. Cops and teachers, for e.g., while not considered to be particularly wealthy, often have good retirement programs that allow them to retire early (as early as age 50), and draw a pension equal or nearly equal to their salaries when they were working. Private pensions can be risky, because they can be gutted as part of a corporate bankruptcy restructuring. But, depending on your wealth goals (ie. you want to retire early and live comfortably vs. always want to fly 1st class) some state and federal defined pension programs are good ways to go.

另一种建立资产的方式,就是找一份提供慷慨的、清楚的退休金/年金计划的工作,然后好好利用。警察和教师这两个行业,尽管大家都认为不是特别挣钱,但是经常会提供不错的退休计划,能够允许他们早点退休(50岁就能退休),并且退休之后能够拿到和他们工作时的工资相同的退休金。私人年金可能会有些风险,因为当公司破产重组时,这部分年金可能会被砍掉。但是,取决于你想挣多少(比如你是想早点退休,过上舒服的生活,还是想天天都飞头等舱),一些州和联邦提供的年金计划还是可以考虑的。
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coastalliving40
I got a summer painting job at 16. Realized I was good at it and enjoyed the work. Stuck with the same company for long enough that I could honestly consider myself an expert. Started my own painting business and failed because I had no idea how to run a business. Went back to work with the original company and studied business on my own. Formulated a plan. Saved up 10k to start with and dove in again.

我16岁那年暑期工去刷油漆了。当时我觉得自己挺擅长这行的,并且很享受这份工作。于是我在这个公司混了很长时间,差不多都算是个专家了。之后就开了自己的公司,结果失败了,因为我不知道该怎么开公司。回去在原来的公司继续工作,并且靠自己学会了怎么做生意。搞了一个计划。攒了一万块再次尝试。

I grew that into one of the most popular painting businesses in my area. We then expanded into drywall, finish carpentry and specialized finishes. We are now planning an expansion into the cleaning industry as well. What started out as a summer job has turned into a career that allows me to live a fun life and set my own schedule.

于是我的公司很快成长为本区域内最受欢迎的粉刷企业。我们的业务扩张到了清水墙,木工装修和各种专用面漆。现在我们还在计划把业务范围扩展到清洁领域。

My best advice is learn something about business. Find a field you’re confident in. Start a business in that field. Be financially responsible but take calculated risks to grow and don’t allow the fear of failure to hold you back.

我最好的建议就是学点关于企业的东西。找一个你觉得有自信的领域。在这个领域创办一家企业。既要能够在财务上负责,也要精确计算风险来增长,并且不要让对失败的恐惧阻挡住你。

thekungfupanda
I specialise in commercial grounds maintenance and gardening for wealthy private clients with large estates and I have celebrity/famous clients.

我的专业是商业用地的维护,以及为有钱的私人客户修剪花园,我有很多名人客户。

I was successful from day one because i researched the shit out of the business i wanted to start and went into it as i meant to go on and not start as the cheapest guy around just to drum up a little business.

我从创业第一天开始就很成功,因为我已经把这一行给研究透了,入行的时候我就想好了要一直干下去,而不是当最便宜的那个人,只想弄点小生意。

Every single spring/summer i see dozens of people in my area starting their gardening business and they're touting themselves offering £5 grass cuts.

每年春天夏天,我都能看见这一片有好几十个人搞自己的园艺生意,到处宣传自己5英镑一次的剪草坪服务。

Every single one disappears after a few months when their business fails as they started on a whim with no business plan or idea about what is involved in running a successful business and instead operate like it like a teenager earning some pocket money

他们每个人都没坚持过几个月就消失了,因为他们都是一拍脑门就决定开始干的,既没有商业计划,也不知道成功地运营公司需要做哪些事情,他们搞得就像是几个小孩在挣零花钱一样。

could_use_a_snack
The richest guy I know personally is a professional window washer. He has 4 people working for him now. He hand cleans windows on $1,000,000+ estates. He has one account that he cleans 4 times a year and charges $5K per visit. It takes two days. And that's not even his biggest account. He has at least 100 customers. I'm guessing that he pulls in better than a million a year.

我认识的最有钱的人是个专业洗窗户的。他现在雇了4个人给他干活。他手工清洁价值100多万元的房产里的窗户。有一位客户他每年去清洗4次,每次收5000多美元,只花2天。并且这还不是他最大的客户。我猜他一年应该能挣一百多万美元。

So yeah, you don't need to re-invent the wheel you just need to find something that needs doing and charge people to do it for them.

所以没错,你确实不用重新发明轮子,你只需要找到一些需要人做的事情,然后收那些人的费来帮他们做就行了。

throwawayMambo5
Amazon wasn't the first online bookstore, Google wasn't the first search engine, PayPal wasn't the first online payment system. Elbow your way into an industry and carve out a spot for yourself. Glad to see this at the top, so many people are stifled by grandiose ideas of success.
DeliciousHighway6521
When you're making money pretend like you're not. All you gotta do is save for a few years. Then you do whatever makes you happy for a business. It takes just a few years of living broke while making money. It's a grind but years down the road it will feel like it went by fast.

挣钱的时候,假装自己没挣到钱。你只需要攒几年的钱而已。然后你就可以办一家公司来干自己想干的事情了。只需要花几年的时间一边挣钱一边过破产一样的日子而已。尽管非常折磨,但是过几年之后你就会觉得那一段时间过得很快。
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Mintyphresh33
I was always taught to save. I also hate debt (even when I had a mortgage).

从小就有人教我要攒钱。我自己也不喜欢欠债(就算是我在还房贷的时候也是如此)。

I watched my expenses like crazy. I saved. I couponed. I got lucky buying stocks and selling when I made my target profit (I bought shares of Amazon back around 2010. It's easy to say "I wish I held those shares" but I'm proud I accomplished my goals).

我盯着我的支出,像发了疯一样。我攒钱。我用消费券。我买卖股票的时候走运挣到了想挣的钱。我2010年买了亚马逊的股票。虽然现在说一句“我真希望我到今天还拿着那些股票”确实简单,但我也很自豪,因为我挣到了自己的目标。

I paid off my small (KEYWORD SMALL) condo mortgage in 2.25 years. Even without a mortgage payment, I stuck to my tight budgeting for a few more years after.

我在2.25年之内就还清了我的小(真的很小)公寓的贷款。就算没有贷款之后,我仍然继续保持了好几年的紧张预算。

I lost my job a few years later. I was unemployed for 13 months.

几年后我失业了。有13个月的时间我都没有工作。

Between savings, unemployment and severance, I was fine. I never thought I'd be homeless.

但是在攒钱,失业和被辞退之间,我一直都没什么事。我从来都没想过我有可能会无家可归。

I lost my job again (fired from a REALLY shady company and I needed out) - moved across the country. I've lived comfortably ever since.

后来我又失去了一次工作(被一个特别特别可疑的公司解雇了,我自己也需要出去)——于是我去了公司的其他地方。此后我就过上了舒适的生活。

I'm not what I consider wealthy, but for my lifestyle I can live very comfortable. Do I want to go to another dinner with buddies? No problem. Want to take a trip? Doable. My HOA just went up? Sucks, but it's fine.

我不认为自己很有钱,但是按照我的生活方式我可以过得非常舒服。我想和兄弟们出门吃顿晚饭吗?没问题。想要旅行吗?可以。物业费涨了?真糟糕,但也还行。

I lived very tight in my 20's. It was hard - it was worth it. My 30's have been great. Looking forward to my 40's and up.

我20多岁的时候过得非常紧张。很难,但也值得。我的30岁一直过得不错。期待我的40岁以及以后的日子。

throwaway_4733
This is the advice I saw given by some business owner. He worked all through high school and since he was living/eating at home he saved every penny. Said he never bought any of the fancy electronics and drove beaters. Then he joined the Marines. He lived on base and ate at the chow hall. Saved all his money. When left the Marines he said he had over $40k saved up which he used to start a business.

某个企业家也是这样跟我说的。他从高中开始就一直在工作,并且因为他在家生活吃饭,他把每一分钱都攒了下来。他说他既没有买过花里胡哨的电子产品,开的也是破车。然后他参军报名了海军陆战队。他在基地住,吃的都是食堂。把所有钱都攒下来了。等到离开海军陆战队的时候,他说自己当时已经攒了四万多美元,于是他拿这笔钱去开了公司。

DrDookieDrawers
I’m a millennial and stopped eating avocado toast. I am now vastly wealthy.

我是个千禧一代,我决定不再吃牛油果吐司了。现在我有钱得要命。

OkAttempt4752
Wealthy enough to afford a netflix subscxtion?

有钱到能买得起奈飞的订阅吗?

PC-Was-Bricked
I started torrenting a year ago

我一年前开始自己搜种子

I now own 3 yachts

现在我攒出了三条游艇
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Adventurous_Break_61
Getting adopted by a wealthy family.

被有钱人家收养。

Available-Trust-2387
I don’t consider myself wealthy - but as an IT Consultant, i was an employee, and earning “ok” money.

我不认为我自己很有钱——但是作为一名IT咨询师,我曾经也是个员工,挣的钱也还算不错。

I left and started my own business - only me, freelance and contract IT guy - no plans to hire staff or expand - but I’m still 2.5x my prior salary.

于是我离开了,开始搞我自己的企业——只有我,和负责合同的IT男——没打算雇别的员工也没打算扩张——但我现在的工资仍然是之前的2.5倍。

I’ve been in IT for 30 years, and know my stuff. Not an overnight success.

我已经在IT行业干了30年了,我有两把刷子,不是一夜之间成功的。
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Anyhoo - the only way to earn GREAT money is to run a business.

长话短说——想挣大钱,唯一的方法就是开公司。

You won’t EVER get wealthy as an employee.

你只要给别人当员工,就永远也不可能挣大钱。

EDIT : As a manager or higher-up in a big company, partner in a law firm - YES, can make good money.

编辑:如果是在大公司当经理或者更高的职位,或是在律师事务所里当合伙人——没错,能挣大钱。

Simply answer - work hard, don’t think about the money, and it will come…

简单来说——努力工作,别想钱这回事,钱自然就会来……

Ok-Control-787
You won’t EVER get wealthy as an employee.

引用:“你只要给别人当员工,就永远也不可能挣大钱。”

I mean, I won't, but people do. I know plenty of people in general corporate management/finance/law/consulting/medicine even recruiting making $250k+ (some of them multiple times that) in their mid thirties with long careers ahead of them, and mostly have spouses with similar incomes.

其实,虽然我挣不到,但是有人能挣到,我认识不少人在公司管理层、金融、法律、咨询和医药界,甚至在人事部门都能挣到年薪25万美元以上(有些是好几倍),人只有三十多岁,还有长远的职业生涯等待着他们,并且绝大多数都有收入相仿的配偶。

Maybe depends what your threshold is for "wealthy" but these people will all be able to retire very early and comfortably if they want. They'll be able to give their kids trust funds such that they won't have to work if they want.

或许取决于你对于“有钱”的定义,但是我说的这些人如果愿意的话,全都可以很早就退休,并且过上很舒适的生活。他们可以给孩子们弄信托基金,这样如果愿意的话,他们的孩子就不用工作了。

You can do it if you make many times the average household income early enough and spend/invest reasonably. I don't mean to say this is easy or that anyone is realistically capable of achieving it without luck or help. But if there's young people reading this, there's paths they can take to have a realistic shot if they give it serious planning and effort and make the right decisions.

如果你也能挣平均家庭收入的几倍,并且能理智地消费、投资的话,那么你也能做到。我不是说这种事很轻松,或者所有人都能在不需要好运或者帮助的情况下能达到这些。但是如果有年轻人在读这个帖子,那么我想告诉他们,只要能够进行严肃的计划和努力,做出正确的决定,还是有一些比较现实的道路可以选择,让他们试一试的。

chowderbags
I will say that this situation can make you rich, but you still have to have the discipline to save a large portion of that money. If you're making $250k but leasing a brand new car every year, living in a huge house, sending kids to private school, taking big vacations all the time, etc, you can definitely burn through a $250k salary and then some. There's plenty of people with big salaries who are up to their eyeballs in debt because they think a big salary means they can and should suddenly live huge.

我想说的是,这种情况确实能让你有点钱,但是如果你想要把这笔钱的大部分都攒起来,你还是要有足够的自律的。如果你每年挣25万美元
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GregBahm
I work with a bunch of people who get paid about two hundred thousand dollars a year to barely ever do anything. So I would recommend doing this too, by joining us in the exciting world of big tech.

和我共识的人有那么几个,每年拿20万美元几乎什么都不用做。所以我也推荐你们做这个,只需要加入我们技术大厂的世界就可以了。

The easiest path into big tech is teaching yourself programming. Programming is easy but people convince themselves it's hard because of the way it's portrayed in movies. Working on a team of programmers requires a lot of social skills, but people without social skills keep deciding to become programmers. So if you have even just mediocre social skills, and no programming skills, you'll thrive. All the other entry level people will have actively terrible social skills and no programming skills, and so be worse by comparison. Eventually you will learn to actually program will just by merit of screwing up enough, which is how everyone else also learned to program.

进大厂最简单的方式,就是自学编程。编程这件事其实很简单,但是人们总是让自己觉得这件事很难,毕竟电影里面总是写得很难。在编程团队里工作,你需要很多的社交技能,但是总是有很多没有社交技能的人想要去编程。所以就算你的社交能力只有中庸水平,还没有任何的编程能力,你也能平步青云。其他那些刚入门的新手,不仅社交能力烂的要死,编程能力也啥也没有,所以他们比你更烂。反正到头来你还是会学会编程的,只要你搞砸的次数足够多就行,所有人都是这么学会编程的。

The second easiest path into big tech is being a PM. There are many different kinds of PM (program manager, product manager, producer) but none of them require any actual skills or training. You just have to be confident. If you are a confident person with no other skills or knowledge, you'll thrive as a PM. Just tell the programmers to build what your boss wants them to build, and then wait for them to build it. It's okay if it's not actually valuable; 99% of projects are expected to fail in big tech anyway. You will get paid even if it's all worthless.

第二简单的道路就是当经理。有各种各样的经理(项目经理,产品经理,制作人)但是哪个都不需要真正的技能或是培训。你只需要足够自信就可以了。你只要是个足够自信的人,就算你没有任何的能力或者知识,你也可以当经理挣大钱。只需要跟负责编程的人说清楚你老板想让他们搞什么,然后等他们搞出来。就算搞出来的东西没有价值也没问题;反正大厂里搞出来的东西,99%都会失败的。就算搞出来的东西一点价值都没问题,你反正也能拿工资。

The third easiest path is designer. To be a designer you have to dress in a hip way and say things that make people think you know what you're talking about. The programmers and PMs will be annoyed by you but if you dress right they'll believe you're good at your job. You'll probably eventually have to actually cook up some Figma designs, but if the programmers take them and throw them in the garbage can, it's fine. You'll get paid anyway.

第三简单的就是设计师。想要当好设计师,你得穿得花里胡哨的,并且说话的时候得让别人觉得你知道自己在说什么。程序员和经理可能看你不顺眼,但是只要你穿得对,他们就会相信你能干明白这份活。可能你到头来真的得用figma设计点东西出来,但是就算程序员接到设计之后直接扔到垃圾桶里,也没关系。反正你还是能拿钱。

But beware of trying to be a visual designer. Making art is fun and it is neat to get paid hundreds of thousands of dollars to make art all day, but that job requires actual competence. You have to be better at it than other people, or else everyone will be able to tell and they won't hire you. It's much smarter to be an "experience designer" where no one can tell competence from incompetence, like with PMs and engineers.

但是别轻易尝试当视觉设计师,搞艺术确实有趣,并且搞一整天艺术,一年挣个几十万,也挺牛逼的,但是这件工作需要你确实有能力。你得比别人都牛逼,要不然所有人都看得出来,他们就不会雇你了。当一个“体验设计师”要更聪明一些,毕竟没人能根据这个看出来你是有能力还是没有能力,就像经理和工程师一样。

All these jobs will make you into a person with millions of dollars in the bank eventually. If you're like 100% of people in big tech, you will insist that you are not actually wealthy and scoff at any suggestion to the contrary. But the people who serving you $9 coffees will be the same people paying you rent after you bought some property to avoid the taxes from your last bonus. So even though you'll never consider yourself wealthy, 99% of other humans on earth will. Plus they won't get paid to just completely fuck off all day. So I highly recommend this path.

这些工作都可以让你变成银行里有几百万存款的人。如果你和大厂里的其他员工一样的话,你可能会坚持认为你一点也不算有钱,并且别人一说你有钱你就要急眼。但是那些给你端9美元咖啡的人,以后等你买了房子用来避年终奖的税了,他们也会是给你付房租的那群人。所以就算你永远都不会觉得自己有钱,地球上剩下的99%的人也会觉得你有钱。而且他们可不会拿工资就是为了摆一整天的烂。所以我强烈推荐这个方法。

kingkeelay
God dammit I know each one of these people.

妈的你说的这种人我每一样都认识一个。

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