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沃伦巴菲特是目前世界上最有钱的投资人，也是全球第2富有的富翁。
Warren Buffett is the current richest investor in the world. And he ranks
No.2 among the world’s billionaires.
不过，与他的钱相比，他的名言往往才是大众关注的重点。
But, compared to his money, it’s those famous quotes of his that attract
the public’s attention.
虽然现在很多人都把他的话当做笑谈，或者是毒鸡汤。
Though most people now see his words as jokes or anti chicken soup for the
souls.
但我觉得，他说过的很多话真的很有道理。
But I find his words really inspiring.
其中最让我印象深刻的就是这3句。
And among them all, these are the 3 sentences which impressed me the
most.
第一句：如果你不想个办法在你睡觉的时候赚钱，那你就得一直工作到死
The first one is: If you don’t find a way to make money while you sleep,
you will work until you die.
这句话初听下来有点荒唐，这不是明摆着的吗?
Sounds ridiculous in the first place, right? Isn’t that obvious?
而且，怎么可能在睡觉的时候赚钱?
And how on earth can it be possible to make money while you sleep?
如果需要有收入，当然就得一直工作，对不对?
If you want to have an income, you have to work, right?
不，其实他说的并没有错。
But no, what he said is not wrong.
他所说的那种“在睡觉时赚钱”的方法，就是投资。
That way which he described as to make money while you sleep is called
investing.
普通的中产阶级靠技能和时间换钱，而有钱人是靠钱赚钱的，他们用自己现有的钱去赚取投资回报。
Normal middle-class use their skills and time to make money. But the rich
use their money to make money. They invest the money that they own now to make
ROI, which means return on investment.
这个方法并不难，因为理财的方式有很多。
It’s not a hard thing to do, because there are a lot of ways to manage your
personal finance.
从前，我是一个大手大脚的月光族，每个月赚多少就花多少。
In the past, I usually spent as much as I could earn in a month.
但自从看到了巴菲特的这句话，我才恍然大悟：这样一来，我每个月不就白工作了吗?因为什么都没有剩下，我并没有为自己的未来创造什么。
But when I saw this quote of Buffett, I suddenly realized: Isn’t that
making all my efforts in vain? Because I have nothing left. I didn’t make
anything for my future.
这也就是为什么我开始正视自己的生活方式，并进行了大刀阔斧的改变，开始存钱。
That’s why I started to face the truth of how I was living. And I made some
bold changes and began to save money.
我希望有一天能不再工作，而是用钱来赚钱。
I wish that there is a day when I no longer need to work and can use money
to make money.
第二句：不要把花剩下的钱拿来存，而是把存剩下的钱拿来花。
The second one is: Don’t save what is left after spending. But spend what
is left after savings.
想存钱是远远不够的，毕竟你希望发生的事情并不一定就能发生。
Wanting to save money is not enough. Anyway, there are a lot of things
which didn’t come true although you wanted them to.
存钱是一门技术，这门技术很简单，只是不容易实现。
Saving is a technique. It’s simple. It’s just not easy.
如果你总是在消费之后才想着应该存钱，那你肯定存不下钱，因为任何消费都是非理性的。
If you only come to think about saving after you spend, there is no chance
for you to accumulate a considerable fortune, because spending is always
irrational.
真正可行的方法，是事先计划好自己的消费方式。
The way that works is to make plans in advance.
每个月用收入的40%租房子会不会太多?
Would it be too much to use 40% of my income to rent an apartment?
每个月只存收入的20%会不会太少?
Is it really enough to save just 20% every month?
你只有先计划好要存多少钱，才能知道自己实际上可以花多少钱。
Only by making it clear how much you want to save can you come to know how
much you can actually spend.
第三句：如果你的智商平平，那你需要的就是控制那些让一般人投资失败的欲望。
The last one is: Once you have ordinary intelligence, what you need is the
temperament to control the urges that get other people into trouble in
investing.
大部分人存钱失败的根本原因，就是控制不了自己的欲望。
The No. 1 reason why most people fail to save is failing in controlling
their desire.
欲望让人变得不理性。
Desire makes you irrational.
而这就是从前的我。
And that’s exactly who I was.
我真的需要为了那几分钟的气氛而去花30块喝一杯咖啡吗?
Did I really need to drink a 30 RMB coffee just for several minutes’ worth
of vibe?
我真的需要每个月买这么多新衣服吗?
Did I really need all those new garments every month?
它们最终给我带来了什么?
What did they bring me?
它们给我带来了贫穷。
They only brought me poverty.
而那些在背后经营这些生意的人，则从我的愚蠢中赚到了钱。
And the people who are behind these businesses have made money through my
stupidity. |
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发表于 2018-5-12 10:12:52