Being able to live the life of your dreams without having to work every day is something that has already crossed your mind. For some, it has even become a life goal. Life led by the ultra-rich is intriguing. Wealth has always been the stuff of dreams. Yet very few people will ever join this category of the ultra-rich in the course of their lives.
There are many reasons for this, and I do not pretend to be able to reveal secrets that will allow you to miraculously pass from a life in the average to the life led by the ultra-rich.
What I can reveal to you, however, are ten fundamental truths about wealth that non-wealthy people generally find hard to believe. Once you have discovered and assimilated these truths, you will have a better understanding of the mindset that allowed the ultra-wealthy people to reach their level of wealth.
You can then hope to reach that 0.1% group one day.

不用每天工作就能过上梦想中的生活,这事你肯定想过,对一些人来说,它甚至已经成为一个人生目标。
超级富豪们所引领的生活是耐人寻味的,财富总是梦寐以求的东西,然而,很少有人能加入这类超富阶层的行列。
这其中有很多原因,我不会假装能够揭示那些能够让你奇迹般地从一个普通人过渡到超级富豪的秘密。
不过,我可以向你们揭示的是关于财富的十个基本真理,非富人通常难以相信这些真理,一旦你发现并吸收了这些真理,你会更好地理解让超级富豪达到他们财富水平的心态。
然后你有一天或许也能够加入到这个0.1% 的群体。


2. Wealth doesn’t come from your 9-to-5 job
You work hard every day in a 9-to-5 job. You work overtime. You give your all for your boss. You get bonuses from time to time, and a raise sometimes when the years are good.
So you think you can make a lot of money over time and get rich.
I’m going to disappoint you, but you’ll never get rich that way. The one who will become rich is your boss on the other hand because of your hard work, but also because of the hard work of all the other employees who act like you to earn a little more each year.
While working 9 to 5 is a great way to build up your initial capital, sooner or later you will have to find a way to create passive sources of income for yourself. As such, remember this quote from Warren Buffett:
“If you don’t find a way to make money while you sleep, you will work until you die.”
The ultra-rich have pierced this secret. They generate money while sleeping thanks to their wise investments in particular.

2. 财富并不来自于你朝九晚五的工作
你每天朝九晚五的努力工作,你加班工作,你为老板全力以赴,你时常会得到奖金,有时年景好的时候还会有加薪。
所以,你以为你可以随着时间的推移,赚很多钱,发更多的财。
我要让你失望了,这样你永远不会发财。
会发财的是你的老板,一方面是因为你的努力工作,另一方面也是因为其他所有像你一样的员工在努力工作,他每年多赚一点。
虽然朝九晚五的工作是积累初始资本的好方法,但你迟早要想办法为自己创造被动收入来源。
因此,请记住巴菲特的这句话:
"如果你不在睡觉的时候找到赚钱的方法,你就会工作到死。"
超级富豪们已经看穿了这个秘密,他们在睡觉的时候就能赚钱,这尤其得益于他们明智的投资。

3. Being wealthy takes more money than you think
Becoming a millionaire is the goal of many people. It means having at least one million dollars. For many, it is the stage from which one joins the rich people group.
I have bad news for you once again. The wealthy people who live the lifestyle you dream about have much more than a million dollars. The real wealth starts now at $20 million.
That’s much more than many people originally imagined. Nevertheless, you have to get started, and that’s why my 4-step plan to earn $1M is a good place to start. As always, there are no guarantees here. Just the opportunity to put all the odds on your side by following a plan that has been proven for generations.

3. 成为富人需要的钱比你想象的要多
成为百万富翁是很多人的目标,它意味着至少拥有100万美金,对很多人来说,这是一个加入富人群体的门槛。
我再次告诉你一个坏消息,那些过着你梦寐以求生活的富人,他们拥有的财富远不止一百万美元,现在真正的富人,是2000万美金起步。
这比很多人原来想象的要多得多,尽管如此,你还是要开始行动,我的推荐的四步计划是赚取100万美元一个不错的开始,一如既往,我并不能给你打包票,这只是一个机会,一个已经被几代人证明的计划,机会就在你身边。

4. It takes time, there is no shortcut
The majority of people who want to get rich want to get rich fast. These people want it all, right away. This bad mindset will make them lose a lot of money and time because they will probably fall into the trap of get-rich-quick schemes.
In reality, getting rich takes time. There are no shortcuts. The story of Warren Buffett is there to remind us that patience is an essential virtue. Patience is your natural advantage. To that, you will need to add perseverance.
If you really want to get rich, you have to go step by step. Generate money, invest your money wisely, and be patient. Let time work in your favor.

4. 致富需要时间,没有捷径
大多数想致富的人都想尽快致富,这些人想要得到一切,马上就能得到,这种糟糕的心态会让他们失去大量的金钱和时间,因为他们可能会落入快速致富计划的陷阱。
事实上,致富需要时间,没有捷径。
沃伦巴菲特的故事提醒我们,耐心是一种必不可少的美德,耐心是你天生的优势,除此之外,你还需要毅力。
如果你真的想致富,你必须一步一步地走下去,创造财富,明智地用你的钱投资,并且要有耐心,让时间对你有利。

5. Debt can be your ally
When asked for my opinion on the essential rules for managing personal finances, I explain that it is best to avoid debt. I even quote Thomas Jefferson, the third president of the United States:
“Never spend your money before you have it.”
If you really want something, save your money. Take the time to earn money. Debt gives you the false impression that the things you buy are free, and that’s a mistake.
This golden rule of not falling into debt has one major exception.
However, this exception only applies to people who already know how to manage their personal finances well. Debt is no good unless you use it to take advantage of the leverage it can provide. Going into debt to make an investment that will pay you more money is a good thing.
The ultra-wealthy know this and use debt to their advantage.

5. 债务可以成为你的盟友
当被问及我对管理个人财务的基本规则的看法时,我解释说,最好是避免负债。
我甚至引用了美国第三任总统托马斯杰斐逊的一句话:
"永远不要在你有钱之前花掉你的钱。"
如果你真想变富,就把钱存起来,花时间去挣钱。
债务会给你一个错误的印象,认为你买的东西是免费的,这是个错误。
但这条不陷入债务的黄金法则有一个重大的例外。
当然,这个例外只适用于那些已经懂得如何管理好个人财务的人,除非你懂得利用它所能提供的杠杆作用,否则债务是没有好处的。负债去做一项能给你带来更多钱的投资是一件好事。
超级富豪们知道这一点,并利用债务来为自己谋利。

6. Wealthy people never look rich
Buying expensive smartphones, driving in luxury cars, wearing luxury watches are the dreams of poor or middle-class people. Rich people rarely look rich.
They are satisfied with their house and car. They do not try to impress others. The example of Warren Buffett is revealing in this regard.
Warren Buffett still lives in the same house he bought in Omaha, Nebraska in 1958. Purchased for $31,500, his lifetime home is now worth over $650,000. This often makes Warren Buffett say that the house he lives in today is the third-best investment of his life.
Careful, I’m not telling you that this house is tiny.
This house is luxurious with 5,570 square feet, 5 bedrooms, and 2 bathrooms. Nevertheless, you would expect a more extravagant house for a man whose fortune exceeds $80 billion.
When asked why Warren Buffett has never moved since 1958, he says:
“I’m happy there. I’d move if I thought I’d be happier someplace else.”
Warren Buffett never changed houses despite the exponential increase in his income, because it made him happy. His house was a good fit for him. So he had no reason to change it.
Warren Buffett’s philosophy of life is close to minimalism. For him, frugal life is the secret to happiness.

6. 富有的人永远不会显得富有
购买昂贵的智能手机,开豪华轿车,佩戴豪华手表,这些都是穷人或中产阶级的梦想,富人很少看起来很富有。
他们满意于自己的房子和汽车,他们不试图给别人留下深刻印象。
在这方面,沃伦巴菲特就很能说明问题,沃伦 · 巴菲特仍然住在他1958年在内布拉斯加州奥马哈市购买的房子里,他花了31500美元买下了他的终身住宅,现在价值超过65万美元,沃伦巴菲特常常说说,他今天居住的房子是他一生中第三好的投资。
不过,注意了,我不是说这房子很小。
这座豪宅5570平方英尺,5间卧室,2间浴室,不过,对于一个身家超过800亿美元的人来说,你可能会期待一栋更奢侈的房子。
当沃伦巴菲特被问及为何自1958年以来从未搬家时,他表示:
“ 我在那里很快乐,如果我觉得在别的地方更快乐,我会搬走的。”
尽管收入呈指数增长,但沃伦巴菲特从未换过房子,因为这让他感到快乐,他的房子很适合他,所以他没有理由去改变它。
沃伦巴菲特的人生哲学接近极简主义,对他来说,节俭的生活是幸福的秘诀。


8. The richest people often have very little cash
I just told you that Elon Musk and Jeff Bezos are approaching $200 billion in personal wealth. In reality, this fortune is virtual. It corresponds to the value at a given moment of time of all their investments.
The richest people often have very little cash in their bank accounts. The example of Elon Musk is even more striking. He has even less cash than other billionaires. His entire fortune is made up of his shares in Tesla or SpaceX.
The ultra-rich have long understood that “cash is trash” to use an expression of Warren Buffett. With the infinite duation of the U.S. dollar, you must invest your money or else monetary inflation will inevitably impoverish you.
Investing is therefore the key.

8. 最富有的人往往没有多少现金
我刚刚告诉你,埃隆 · 马斯克和杰夫 · 贝佐斯的个人财富接近2000亿美元,事实上,这种财富是虚拟的,它相当于他们所有投资在某一特定时刻的价值。
在他们的银行帐户里,最富有的人往往只有很少的现金,埃隆 · 马斯克的例子更加引人注目,他的现金甚至比其他亿万富翁少的多,他的全部财产都是由他在特斯拉或 SpaceX 的股份组成。
超级富豪早就明白,用沃伦巴菲特的话来说,“现金是垃圾”。
随着美元的无限贬值,你必须那你的钱来投资,否则货币膨胀将不可避免地使你陷入贫困。
因此,投资是关键。

9. Money does not define you, your actions define you
Getting rich will never change who you really are. Many rich people get lost along the way. They let themselves be blinded by wealth and what it can offer them.
In reality, your money doesn’t define you. What defines you are your actions.
Aware of this truth, more and more billionaires decide to make philanthropy their life’s goal. This has been the case with Bill Gates, for example, for twenty years now. His great friend Warren Buffett has also decided to bequeath his entire fortune to charity when he dies.
When you die, your money will no longer be of any use to you. But what you do with your money will make all the difference. You might as well do good with it if you are rich.

9. 金钱不能定义你,你的行为才能定义你
变得富有永远不会改变你的本来面目,很多富人在这条路上迷失了方向,他们让自己被财富和财富能带给他们的东西蒙蔽了双眼。
事实上,你的金钱并不能定义你,你的行为才能定义你。
意识到这个事实,越来越多的亿万富翁决定把慈善事业作为他们人生的目标,比如说,比尔 · 盖茨就是这样,二十年如一日,他的好朋友沃伦 · 巴菲特也决定在他去世时将他的全部财产捐赠给慈善机构。
当你死后,你的钱对你不再有任何用处,但是你如何使用你的钱将会带来很大的不同,如果你有钱,你不妨用它来做好事。

10. Money is a means to an end
Wanting to earn a lot of money is not a bad thing. Having more money is always better than not having enough. However, money is not a goal. Before you go on a frantic quest for more money, you should try to define what your goals are in life.
Money is a means to an end, it is never an end.
The ultra-rich have understood this. If you don’t understand it, you will spend your life chasing after more and more money, and you will never be truly happy. Take the time to define what your real goals in life are.
Then you will be able to have the contentment that allows you to be happy in life when you achieve those goals.

10. 金钱是达到目的的手段
想赚很多钱并不是一件坏事,有更多的钱总比钱不够好,然而,金钱本身不是目的,在你疯狂地追求更多的金钱之前,你应该试着明确你的人生目标。
金钱是达到目的的手段,它永远不是目的。
超级富豪明白这个道理,如果你不明白这一点,你就会用一生去追逐越来越多的钱,你永远不会真正快乐,花点时间确定你真正的人生目标是什么吧。
然后你就能够拥有满足感,当你实现这些目标的时候,你就能够在生活中感到幸福。

Final Thoughts
Having a lot of money and becoming rich are things to dream about. It’s even more dreamy if you don’t have enough money. To become a rich person, you must assimilate the truths I have just told you. In particular, you have to change your relationship with money so that you can use it to serve your life.
The ultra-rich show us that more and more money does not lead to happiness. What matters is who you are and what you will do with your money. Once you have defined your real goals in life, you can act in such a way as to earn enough money to achieve the contentment we all seek.

最后的感想
有很多钱和变得富有是我们梦寐以求的事情,如果你的钱不够多,那就更梦寐以求了,要想成为一个有钱人,你必须吸收我刚才告诉你的道理,特别是,你必须改变你与金钱的关系,让它来为你的生活服务。
超级富豪们告诉我们,越来越多的钱并不能带来幸福,重要的是你是谁,你将用你的钱做什么。
一旦你确定了自己真正的人生目标,你就可以用这样的方式行动起来,赚取足够的钱来实现我们都在追求的满足感。