為什麼大多數人成不了百萬富翁？_風聞

【來源龍騰網】

評論原創翻譯：

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，馬里奧想提升他的知識水平。

路易吉努力改善自己的生活，馬里奧努力改善他人的生活。

路易基專注於自己的需求，馬里奧則專注於他人的需求。

路易吉只有一個收入來源，馬里奧有多個收入來源。

路易吉致力於變得更有價值，馬里奧致力於提供更多的價值。

路易吉出賣他的時間，馬里奧投資他的時間。

回答你的問題，為什麼大多數人永遠不會成為百萬富翁？

因為錯誤的心態。

沒有人關心我們獲得了什麼，所有人關心的都是我們能給他們什麼。

不要竭力去追逐成功，開始嘗試變得對別人更有價值。

不要竭力去賺錢，我們給予世界的價值越多，世界給予我們的就越多。

吸引金錢的是你能交付的價值，而不是牆上的華麗學位。

努力勤奮，成為一個有價值的人，金錢就會來找你。

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.

大多數人不會成為百萬富翁。

現實很可悲，但卻是事實…..

無需拐彎抹角，大多數人不具備成為百萬富翁的條件。

以下是原因：

1. 害怕投資

對於一個普通勞動者來説，如果不進行一些投資，幾乎不可能成為百萬富翁，少數電影明星和職業運動員會打破這一規則，但自那以後，他們的錢必須用來投資並隨着時間的推移而增長，否則他們將很難使其持久。

2. 儲蓄不夠多

假設你已經克服了對股市的非理性恐懼，並精心設計了完美的投資組合，但如果你在這一過程中沒有足夠的儲蓄，你也永遠不會成為百萬富翁，畢竟，重要的不是你賺了多少，而是你留下了多少。

3. 忽略了一些小事

這裏五塊，那裏二十塊，你有沒有想過所有這些小小的開支加起來總共會有多少，有些是偽裝成一種便利的需要，有些則是愚蠢的。你有沒有在排隊結賬的時候買過雜誌？你有沒有想過，你可能以同樣的價格，甚至有時可以以更低的價格就能訂閲一年的雜誌？或者你有沒有支付高昂的航空公司費用來托運行李，而你本可以合理安排行李並隨身攜帶以避免這筆費用？這樣的例子不勝枚舉，此外，預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

大多數人根本沒有成為百萬富翁的耐心。

想想當你在地裏種下一粒種子時，你可能不知道這粒種子在幾天或幾周後是如何發芽的，每天查看進度也沒什麼幫助。

但是幾個星期之後，當你再次查看它的時候，你會發現芽已經長出來了，植物也開始生長了，再過幾個星期，它就變成了一棵大植物，所有這些都需要一些工作、時間和過程。

這就是耐心的用武之地。

種子是你投入土壤的原材料，工作是你投入的時間和精力，這個過程就是在沒有你的干預下生效的過程，這是你無法控制的。

5. 做出了不健康的選擇

花時間和金錢確保你進行了所有必要的篩查和身體檢查，這是你的健康護理專家會給你的建議，如果你沒有家庭醫生，那就去找一個，多鍛鍊身體，並增加你所消費食物的健康價值，我知道，真正（健康）的食物會比垃圾食品更貴，但這是我幾乎總是主張人們花更多錢的一個領域。

6. 沒有一個消費計劃

首先，規劃你的主要開支，要讓支出貼合你的收入，其次，你的消費計劃將為更大的揮霍性購買鋪平道路——比如度假或買新車等等。

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. 税務規劃不充分

正如我們之前提到的，重要的不是你賺了多少，而是你留下了多少，許多人喜歡獲得大筆退税，這就像撿來的錢，對嗎？不是！現實是，如果你得到了一大筆退税，你就等於給了政府一筆無息貸款，而在這一切的同時，你卻在承受着為這一特權支付天價信用卡利息的後果。

8. “閃亮物體綜合症”

大多數人不會成為百萬富翁，因為他們患有 “閃亮物體綜合症”，就像小孩子追逐閃亮的物體一樣，每個人都患有閃亮物體綜合症——這是通往成功之路上的一大困擾。

大多數人認為，要成為百萬富翁，需要有一次幸運的機會，比如中了彩票或者偶然發現了一個秘密公式，事實上，大多數人還認為百萬富翁的特質是與生俱來的。

但這卻是個神話!

據《福布斯》報道，2017年世界上最富有的人中有80%是白手起家，這意味着只有20%通過繼承得來財富，而且這80%中的20%是女性。

9. 選擇了錯誤的職業道路

對於那些討厭你的工作或職業的人來説，尤其明顯，這可能會導致隨着時間的推移，職業發展速度變慢。雖然説起來容易做起來難，但是對於很多人來説，選擇一條正確的職業道路是一個重要的人生追求，這條道路有潛力賺取足夠的錢來支持你想要的生活方式，並且是是你真正喜歡的東西，你要在你喜歡（不是熱愛）的工作中取得平衡，以獲得你需要的金錢，為你生活的其他部分帶來更多的快樂。

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. 選擇了錯誤的配偶

結婚有很多經濟上的好處，選擇錯誤的配偶會使你成為百萬富翁的道路更加艱難，如果一方是花錢的人，另一方是省錢的人，那麼花錢的人往往會贏，當考慮人生伴侶時，不要忘記考慮你們各自對金錢的看法。

11. 缺乏生活目標

那些有生活目標或激情的人，會讓自己每天早上更容易起牀，多年來，我觀察到，我的許多最快樂和最成功的財務規劃客户事實上都非常喜歡他們的工作，熱愛他們所做的事，他們在生活中腳步格外輕快。

原創翻譯：龍騰網 http://www.ltaaa.cn 轉載請註明出處

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.

因為他們吝嗇。

對不起，但這事並不像大多數人想的那麼複雜。

人們從書裏面看到沃倫 · 巴菲特奉行節儉的生活方式 ( Mr. 吃便宜芝士漢堡喝碳酸飲料先生) ，並自動認為這就是成為真正的富人所需要的東西，現實是，你需要錢來賺錢，特別是如果你想賺很多錢的話。

你可以很容易地用你的時間換取幾百塊錢，如果幸運的話，你甚至可以賺到十來萬塊錢，但事實是，你會到達一個點，你需要花一些錢來增加你通過交換時間而設法賺到的錢，這就是普通人和富人的分界點。

這就是為什麼許多工薪階層永遠不會成為百萬富翁（至少在他們仍然健康，不需要拄棍子走路，同時每天吃5顆藥治療3種不同器官5種的時候不會，之後就是退休了），他們非常吝嗇，認為精打細算可以幫助他們更快致富，這是一種 “我想不勞而獲 “的心態，生活不是一個童話故事，菊花裏拔出來的玫瑰花，聞一聞只能是屎味，如果你想成為一個百萬富翁，你將不得不在這條路上花一些錢，你花的這些錢的一個花哨的術語，叫做 “投資”，這些投資不僅僅是在銀行進行的，你需要為技能和資源付費，你需要為購買其他人的時間付費。

你需要學習如何把你的一些錢送出去，以便在以後的時間裏獲得更多回報。

免責聲明：我並不是説每天吃芝士漢堡、啃香腸，喝可口可樂就不會讓你成為（胖）百萬富翁，我只是知道有很多人經常在金拱門吃得很歡快，但似乎總是沒有錢花在自己的生意上。

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.

因為他們沒有勇氣去追求——他們甚至認為這是不可能的。

因為他們想要快速的解決方案——這個課程，那個計劃，那個閃亮的東西，他們明天就想要，但財富是長期積累的。

因為他們是懶惰的思考者——他們沒有找到更好的方法來在市場上提供價值。

因為他們沒有時間提高自己的理財能力，培養技能，改變思維方式等等。

因為他們從不採取行動——他們永遠不會開始任何生意或嘗試任何事情，閲讀這些答案時卻感覺良好。

因為他們不會省錢——如果你沒有錢，你就不能讓錢為你工作。

因為他們對金錢有不良的看法——“金錢是邪惡的”和“如果你賺了幾百萬，你就從窮人那裏掏來的錢”。

因為他們不“自私”——他們不想提供價值，而只想快速賺到錢就跑。

因為他們不做預算，入不敷出——缺乏財務技能。

記住，賺錢是一種心態遊戲，修正你的心態。