【中英雙語美文】真正的有錢人思考財富的方式與你不同

Self-made millionaire Steve Siebold spent 26 years interviewing some of thewealthiest people in the world before condensing his findings in his book "How Rich People Think."白手起家的百萬富翁西博爾德（Steve Siebold）花了26年時間採訪世界上最富有的人，隨後將他的發現寫入《富人怎麼思考》（How Rich People Think）一書。

He found that the secret to getting rich "is not in the mechanics of money, but in the level of thinking that generates it."他發現發家致富的秘密「並不在於如何用錢，而在於如何思考」。
In addition to having larger bank account balances than most, rich people have different beliefs, philosophies and strategies.除了銀行裡的錢比大部分人多，富人們還有著不同於普通人的信仰、哲學和策略。
 According to Siebold, there are endless ways the rich view the world differently from the masses. Here we've highlighted eight.

西博爾德表示富人看世界的方式和平常人相比有許多不同，下文列出了其中比較明顯的8種：

Rich people believe being wealthy is a right …while the average person believes being wealthy is a privilege.

富人認為變富是一種權利；普通人認為變富是一種特權。

"World-class thinkers know in a capitalist country they have the right to be rich if they're willing to create massive value for others," Siebold writes.

「世界級的思想家認為，在資本主義國家，只要願意為他人創造巨大價值，變富就是一種權利」，西博爾德寫道。

The masses think getting rich is reserved for a lucky few. "This distinction in thinking leads the middle class to the lottery and the world class to work," he says. 

普通大眾認為只有少數幸運兒能夠發家致富。他說：「這種思維上的區別讓中產階級寄希望於彩票，而世界級的思想家寄希望於工作。

They [the wealthy] believe if they makelife better or easier for others, it's their right to be rich."

富人相信，只要他們使別人的生活更加容易或美好，他們就有資格變富。」

Rich people believe starting a business is the fastest way to make money …

while the average person believes starting a business is risky.

有錢人相信創業是最快的掙錢方式；普通人認為創業是風險。

 "The truth is, having a job is no safer than owning a business," Siebold argues. "As counterintuitive as this may seem, people who work for themselves have the power to proactively seek out business and increaserevenues at will."「事實上，有一份別人給的工作不比自己創業安全多少」，西博爾德表示，「這個論點可能看起來有悖常理，但為自己工作的人會主動尋求業務的增長和收入的增加。」

Of course, there are risks involved in starting a business, but wealthy people "know the greatest risk is not betting on themselves," Siebold says.

當然，創業也是有風險的，但是有錢人知道，

他說：「最大的風險是不願意在自己身上下注」。

While rich people launch businesses and profit from them, average peoplesettle for the steady paycheck and therefore miss out on the chance to generate a fortune, he says. "The masses almost guarantee themselves a life of financial mediocrity by staying in a job with a modest salary and yearlypay raises."
當有錢人自己做生意為自己賺錢，普通人只追求穩定的工資，這樣他們就錯過了創造財富的機會。「普通人選擇了一份薪資普通、每年上漲那麼一點兒的工作，也就選擇了普通的經濟狀況。」

Rich people believe the wealthy are more savvy …while the average person believes the wealthy are smarter.

有錢人認為有錢人更有智慧；普通人也認為有錢人更聰明。

 "If the key to building wealth was excellent grades in school, every summa cum laude college graduate would be rich," Siebold argues. "Amassingmoney has more to do with street smart savvy than your ability to memorize information and excel on exams."「如果財富是建立在學業成績優秀的基礎上，那麼每個以年級第一畢業的學生都該非常富有了」，西博爾德表示，「對於積累財富而言，街頭智慧比你能夠記住許多知識並在考試時把它們默寫出來重要多了。」

How do you become more savvy? Get inside the heads of people who are already rich, Siebold advises, and find out what they think and believe about money.
如何變得更有智慧？去和那些已經很有錢的人聊聊，西博爾德建議，看看他們是如何理解金錢的。

Rich people believe building wealth takes a team …while the average person believes building wealth is an individual effort.

有錢人認為建立財富需要團隊；普通人認為發家致富是個人行為。

"The world class knows it takes a team to build wealth, and they focus much of their effort on finding the right people to leverage their actions and ideas," writes Siebold. "The greatest fortunes are built through the collective mental and physical contributions of a world-class team."
He contends that who you surround yourself with has more of an effect on your net worth than you may think.「世界級的富翁知道積累財富需要一個團隊，所以他們非常重視尋找對的人共事」，西博爾德寫道，「頂級財富是靠頂級團隊的集體智慧和努力創造的。」

Rich people believe making money is simple …while the average person believes making money is complicated.

有錢人認為賺錢很簡單；普通人覺得賺錢很複雜。

"The masses have always thought that rich people are smarter, luckier or more educated. Of course none of these things is true," says Siebold.「普通人都覺得富人更聰明、更幸運，或是受教育程度更高。這些都不是真的。」西博爾德說道。The rich know that money flows from ideas and problem solving, he writes. "The bigger the solution, the bigger the paycheck," he says. "Making money may not be easy, but it is simple. There is no mystery to getting rich, but this limiting belief stops most people from ever trying."富人知道如何把想法變成錢，如何解決問題。「解決的問題越大，掙的錢越多」，他說道，「掙錢也許不容易，但是很簡單。掙錢沒有奧秘，但是普通人受到想法的限制根本不願意嘗試。」

Rich people believe money is earned through thinking …while the average person believes money is earned through time and labor.

有錢人認為錢是通過思考賺的；普通人認為錢是通過時間和勞動賺的。

The middle class think about money in linear terms, Siebold explains, and "believe the only way to earn more money is to work more hours."
西博爾德說，中產階級認為賺錢是線性的，並且「相信賺錢的唯一方式就是工作更長時間。」

 "The wealthy know big money requires thinking about it in non-linear terms," he writes. "The rich know that creative thinking is the highest paid skill in the world. … Training your mind to find solutions to difficult problems is the real secret to making money." 「有錢人知道賺大錢需要用非線性的方式來思考問題」，他寫道，「有錢人知道創造性思維是世界上薪水最高的技能……訓練自己面對複雜問題並找到解決方法的思維能力才是賺錢真正的秘密。」

Rich people believe money is liberating …While the average person believes money is controlling.

有錢人認為錢是自由；普通人認為錢是枷鎖。

 "The rich see money as a positive tool that has the power to create freedom and opportunity for themselves and their families," 

Siebold explains.

「有錢人將錢看作一種正面的工具，可以為自己和家人創造自由和機會」，

西博爾德說道。

By contrast, the average person sees money as "the great oppressor," he writes. "While the world class sees money as a critical resource that opens up endless possibilities, the middle class is demonizing it and denying its importance. With a mindset like this, is it any wonder most people don't have much?"相比之下，一般人會把錢看作「壓迫者」，「世界級的富翁們把錢看作開闢無限可能性的關鍵資源，中產階級卻妖魔化了他，否認他的重要性。都抱有這種心態，大部分人可不是沒什麼錢嗎。」

Rich people believe in working for fulfillment …while the average person believes in working for money.

有錢人認為工作是實現自己價值；普通人認為工作是為了錢。

"The rich have always known working for the sole purpose of making money is the worst strategy for building wealth," says Siebold.
「有錢人知道，把掙錢當作工作的唯一目的，是積累財富的最糟策略」，西博爾德寫道。Don't look for jobs with the greatest salary potential, he advises. Rather, "focus on work that has the most fulfillment potential. Once you find it, invest so much heart and soul into your work that you become one of the most competent people in your field. You'll be rewarded with uncommon wealth."
他建議不要找有巨大加薪空間的工作。相反地，「專注於那些能夠給你實現自我價值感覺的工作。一旦你找到了，投入你全部的心血，你就會成為該領域最具能力的人。一定會有獲得不菲的財富回報。」

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