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正文翻譯
What is it like to be broke after being a billionaire?
成為億萬富翁後破產是什麼感覺？
評論翻譯
However, it did teach me some valuable lessons. It taught me how to become independent and motivated to strive to be successful. I was very comfortable with my life at that stage, but after being inflicted with this loss, it blazed this flame inside of me that inspired me to want to be even more prosperous and assiduous than my father. It made me appreciate what I have now and taught me gratefulness. Back then, I would spend thousands of dollars on items without a second glance, but now I really understand the true value of money. I also feel extremely indebted to my dad because the saying "You don't know what you have until it's gone" definitely rings true with me. I think lastly, it made me a much better person overall. You must truly suffer to grow immensely as a person. I'm in a way glad that the passing of my father and the loss of our wealth happened within the same time frx because it made me cognizant of that fact that I would 110% take great friends and family over money any day of the week. The majority of people today are obsessed about money but I've really realized that friends, family, goal setting, giving back and gratitude take precedence over $$$ in achieving true happiness. Losing my father was by far the hardest thing that I've ever experienced and trumped losing hundreds of millions of dollars. Money comes and goes, but losing a loved one will always leave a eternal void in your heart.
EDIT: my best advice would be to keep busting your ass at whatever you're doing because what doesn't kill you makes you stronger.
然而，它確實給了我一些寶貴的教訓。它教會了我如何變得獨立，並激勵我努力取得成功。在那個階段，我對自己的生活非常滿意，但在經歷了這場變故之後，它點燃了我內心的火焰，激勵我要比父親更富足、更刻苦。它讓我感激我現在所擁有的，並教會我感恩。那時候，我元買東西花上幾千美眼睛都不眨一下，但現在我真的明白了錢的真正價值。我也非常感激我的父親，最後，在整體上我變得更好了。作為一個人，你必須真正遭受苦難才能獲得巨大的成長。在某種程度上，我父親的去世和我們財富的流失發生在同一個時間段內，我對此感到慶幸，因為這讓我認識到，任何一天，我都會110%地把好朋友和家人置於金錢之上。今天大多數人都對金錢著迷，但我真的意識到，在真正的幸福面前，朋友、家人、目標設定、回饋和感恩比金錢更重要。失去父親是迄今為止我經歷過的最艱難的事情，比失去數億美元還要艱難。金錢是得而復失的，但失去心愛的人總會在你心中留下永恆的空虛。
補充：我最好的建議是無論你做什麼都要拼命幹，那些不能置你於死地的東西會讓你更強大。
Andrew Telepko, Have experience in several startups that were either sold or tried IPO's
The biggest problem we have today is with the definition of billionaire/millionaires, more so how they are valued as such. There are many "paper" billionaires/millionaires but less actual hard asset/hard cash persons defined as such. Put another way many of the newer billionaires are being defined as such based on the value of stocks/stock options and other non-hard asset/non-cash securities/items that they possess that can change in value rapidly.
So many of these "paper" ultra rich can become very poor very quickly and to a large extent can't really use all that wealth outright immediately as it is tied to future performance and their stock/stock options may not be elegible for redemption until later in the future.
The hard cash/hard asset billionaires, very few of them would be careless enough to "blow it all" to the point of being penniless...however, some have made investments that have gone against them and in turn made them poorer. I would say that each of those poorer billionaires/ultra rich would have learned a good lesson from such decline and be much smarter the next time around...as the old saying goes "live and learn".
Some of the newly broke ultra rich may still have contacts/friends within the ultra rich that may help them back up into the ranks of the rich via business dealings and other co-partnerships and/or share resources to help.
Some ultra rich that have gone broke may fade into obscurity. It all depends on how they made their money and general disposition in life.
Some may find it a relief to be poor again...even some may be thankful for the experience they had when they were rich. Some may find new lives/carreers in poorness and be happier than before, perhaps rise to new richness, but this time cherising it more.
我們今天面臨的最大問題是億萬富翁的定義，更重要的是他們的價值如何。有許多億萬富翁和百萬富翁紙上富貴而已，換言之，許多新的億萬富翁的定義是基於他們擁有的股票、股票期權和其他非硬資產、非現金證券和物品的價值，而這些物品的價值是會迅速變化的。
因此，這些超級富豪中的許多人可能會很快變得非常貧窮，而且在很大程度上，他們無法真正立即使用這些所有的財富，因為這些財富與未來的業績掛鈎，而且他們的股票、股票期權可能要到將來才能贖回。
具有現金、實際資產的那些億萬富翁中，很少有人會因粗心大意發展到「一文不名」的地步，然而，有些人因投資不符合預期，導致他們變得窮。我要說的是，每一位變窮的億萬富翁和超級富豪都會從這種衰退中吸取教訓，下次會變得更聰明，正如老話所說：「活到老學到老」。
一些新破產的超級富豪在超級富豪內部可能仍然有聯繫得上的朋友，可以通過商業交易和其他合作夥伴關係通過共享資源來幫助他們重新回到富人的行列。
另一些已經破產的超級富豪可能會逐漸變得默默無聞。這完全取決於他們是如何掙錢的，以及他們在生活中的總體性格。
有些人可能會覺得再次貧窮是一種解脫，甚至有些人可能會感謝他們富有時的經歷。而有些人可能會在貧窮中找到新的生活和事業，並比以前更快樂，也許會獲得新的財富，但這次會更珍惜它。
Nanci Haehnel, worked at Retirement
But at a fairly young age - only five years out of college - I started my own advertising agency. After some early lean years, it became a solid little company and I found myself making a nice paycheck. I was doing all the "right" things like saving for retirement, protecting my credit rating, paying employees a fair wage, paying all my taxes on time. I was able to take the occassional nice vacation and enjoyed some wonderful travel opportunities on behalf of my clients. Got to shoot some nice commercials in Hollywood and meet a lot of facinating people.
Then about three years ago - the company's twenty-second year, I had a health crisis. I was hospitalized with an unusual condition. They never could figure out what had caused it, and I never recovered from it. I spent two and half years going from doctor to doctor in my city trying to get a diagnosis. During this time I was unable to work and living on my savings. I finally went to a large medical center in another city, got a diagnosis and found that it's likely that I'll never be able to work again. I certainly won't be able to run a business. And I'm getting steadily worse.
在我大學畢業才五年的時候，我就創辦了屬於自己的廣告公司。在經歷了幾年的艱難歲月後，它變成了一家穩固的小公司，我發現自己的薪水很高。我做了所有「正確」的事情，比如為退休儲蓄，保護我的信用評級，給員工一份公平的工資，按時繳納所有稅款。我偶爾還能度過一個愉快的假期，並代表我的客戶享受了一些美妙的旅行機會。我在好萊塢拍了些不錯的廣告片，認識很多有頭有臉的人。
大約三年前，在公司的第二十二個年頭，我遭遇了健康危機。我因病住院。他們永遠也不知道是什麼原因造成的，我也沒有從中恢復過來。我在城市裡花了兩年半的時間從一個醫生看到另一個醫生，試圖得到診斷。在這段時間裡，我無法工作，並且靠我的積蓄生活。最後我去了另一個城市的一家大型醫療中心，得到了診斷，發現我很可能再也不能工作了。我當然也不能繼續做生意了。而且我變得越來越糟糕。
I've gone through all but a tiny bit of my savings - just enough to live on for another couple of months. I've been told that it could take up to a year to qualify for disability, and even though I purchased a private disability policy, I have yet to be able to collect anything from them. I was unable to even file for these disability claims until I had the diagnosis: two and a half years after I fell ill.
So I can't work, I have no income, no idea when or if I will receive disability. I've had to accept that my life as I knew it is gone. I will likely have to eventually look for some sort of subsidised housing and apply for public assistance like food stamps.
I can adjust to all of this. I can learn to be sedentary. I've lived a richly satisfying life and have wonderful memories and great friends. I love to read, and if I can get my medications dialed in, I should be able to indulge my passion for reading about and studying history and law.
我花光了所有的積蓄直到只剩下一點點——只夠再活幾個月。有人告訴我，儘管我購買了一份私人殘疾保險，但可能需要一年的時間才能獲得殘疾證明，所以我還不能從他們那裡領取任何保障費用。在歷經兩年半時間得到診斷之前，我甚至無法申請這些殘疾索賠，我不能工作，也就沒有收入，也不知道什麼時候或者是否會得到殘疾證明。我不得不接受這個現實，因為我知道一切都完了。我最終可能不得不尋求某種補貼住房，並申請食品券之類的公共援助。
我學會久坐以便能適應這一切。我過著充實的生活，有著美好的回憶和很好的朋友。我喜歡讀書，如果我能拋開我的藥物，我應該可以放縱閱讀和研究歷史與法律的熱情。
Every time I look at the web or watch the news, I see another polititian telling the world that I'm lazy, that I should be drug tested before I can qualify for assistance, that I'm a drain on society, and that I probably just don't want to work . I find it increasingly difficult to get the pain killers I need because the abuse of prescxtion meds has increased (likely because there are so many people drowning sorrows in pain killers when they've lost their jobs and can't pay their bills) I live in a state that did not set up a state exchange under the Affordable Care Act nor expand Medicare. The Supreme Court will decide whether I should be able to continue seeing my doctor or being able to afford my prescxtions.
I'm frankly sick of being told I'm lazy and worthless. I ran my business for twenty-five years, was a job creator and a tax payer. It tore me up to close my business down. I dearly wish I had an opportunity to come face to face with those who garner votes by cutting assistance to those in need. There are children who don't have enough to eat tonight and yet polititians say we need to spend less to feed them. That we need to spend less on the disabled. We need to spend less on the elderly. We need to spend less on our veterans. I find myself lumped in with all of these people who are a "drain on our society" and it is this I can not adjust to. In fact, I'm mad as hell.
每次我看網絡或看新聞，我好似都會看到另一位政治學家告訴全世界：我很懶，我應該在獲得援助資格之前接受藥物測試；還說我在消耗社會資源，我可能只是不想工作。我發現越來越難買到我所需要的止痛藥，因為濫用處方藥的現象越來越多（可能是因為有太多人失業了，付不起帳單，就沉浸在止痛藥的悲傷中），因為我所在的州既未根據平價醫療法案建立州交易所，也沒有擴大醫療保險範圍。最高法院將決定我是否應該繼續看醫生，還是支付給我處方費。
坦白說，我討厭別人說我懶惰、一文不值。我經營了25年的公司，既是工作創造者又是納稅人。我生意的倒閉讓我傷心欲絕。我非常希望有機會與那些通過削減對那些需要幫助的人的援助而獲得選票的人面對面。有些孩子今晚都吃不飽，但政治學家說我們需要少花錢養活他們。還說需要減少在殘疾人身上的花費以及需要減少在老年人身上的花費和需要減少在退伍軍人身上的花費。我發現自己和所有這些人都是「社會的負擔」，這是我無法適應的。事實上，我很生氣。
Robin Sentell, Champion of the 99%
I was never rich. In fact, I have been on the poor side of middle class my whole life. So this statement is for those who had money and lost it.
我從不富有。事實上，我一生都處於中產階級的貧困狀態。所以這段話是寫給那些有錢又失去了它們的人。
It seems to me, that there are two essential elements to success in life. The first is having disposable cash. No matter how brilliant you are, or your ideas, without even a little bit of capital, it's nearly impossible to succeed.
Sometimes all that means is enough money that you have time to develop that idea. You see, there are some people who have great ideas, but they are so busy working two jobs, they don't have time to pursue it. I know I have done ok on the stock market with my 401K. If I had more money, I can do really well, but I simply don't have it.
在我看來，人生成功有兩個基本要素。首先是擁有可支配現金。不管你或者你的想法有多聰明，沒有資本，成功幾乎是不可能的。
這意味著你有足夠的錢來實現你的想法。你看，有些人有很好的想法，但他們忙於兩份工作，沒有時間去追求它。我知道我手上某隻股票表現得不錯，如果我有更多的錢，我可以做得很好，但我根本沒有。
The second, which may be more important. Who you know. I can't tell you how many exceptionally talented people who I have known who have gone no where simply because they didn't have the right connections. And conversely, people who were average or mediocre that experience some success because they had the right connections.
So for all those people who were once wealthy and are now poor (what does that mean? I bet you have more than I do, even now), you probably have more connections than I ever will have. Those people can be convinced to invest in you or your ideas. You are more likely to be able to become rich again simply because you have those connections. And those connections are more valuable than being industrious, smart and loyal.
第二點可能更重要。你認識誰。我認識的人裡面有不少特別有才華的人，僅僅因為沒有合適的人脈關係就無路可走。相反，那些普通或平庸的人會因為他們有正確的關係而獲得成功。
所以對於那些曾經富有而現在貧窮的人來說，我打賭即使是現在，你擁有的比我更多，你可能比我擁有更多的人脈。這些人可以被說服投資於你或你的想法。僅僅因為你有這些關係，你就更有可能再次變得富有。這些關係比勤奮、聰明和忠誠更有價值。
Daniils Petrovs, Student, educator, space, tech and QA in gambling industry.
When I was little, my father worked at some bank, and my mother was a graphics designer. We just moved from my home country to his new workplace. When I was old enough to go to school, I went to the best and most expensive school in the city, same as my sister. We were very rich, at the time I didn't understand that since I never knew what it was like back then to not receive a certain toy I asked for or not being able to celebrate a birthday at my favorite restaurant. Having a yacht was also a luxury, as well as flying abroad in business class, as well as having 2 cars, playing golf every weekend, and having a chauffeur. I learned English there during my 3-4 years. Then it hit. I didn't know at the time, but my father's employer, who was supposed to give him a huge premium, unexpectedly died. I could no longer afford to go to that school, and only my sister graduated(it would still take me many years).
我小的時候，父親在一家銀行工作，母親是一名圖形設計師。我們剛從祖國搬到他的新工作場所。當我大到可以上學的時候，我和我姐姐一樣，上了城裡最好、最貴的學校。雖然那時我還不知道，但當時我們算非常富有，因為我不知道沒有收到我要的玩具，或者不能在我最喜歡的餐廳慶祝生日是什麼感覺。我的奢侈品就是擁有的一艘遊艇，我乘坐商務艙出國，還有兩輛車，每個周末打高爾夫球，並有一個司機。我在那裡學了3至4年英語。然後厄運襲來。當時我還不知道，但我父親的僱主，本該給他一筆巨額保險金，卻意外去世。我再也上不起那所學校了，當時只有我姐姐畢業了，我還需要很多年才可以畢業。
We moved back to my home country, while my father worked abroad. We had a huge, double-story apartment with a terrace. I proudly invited my friends over, since none of my friends had a bigger apartment. Hen it kept getting worse behind my back. One evening, my mother tells me we have to move out. It hit me hard. We were supposed to give it to people for rent to pay off my father's debts. We had to move to a much smaller apartment(a 3-room one) near a hostel. It was terrible. I acted like everything was fine, but then, when my friends came over and said "it is so many times smaller than your previous one" I realized how rich we were. Note, I started seeing my father fewer and fewer times. Then, my father ran off, and wrote off all the debts on my mother. She had to manage the huge apartment we gave for rent, which meant dealing with numerous building problems and any complaints the Koreans, who lived there, had. Then we had to sell it immediately, because the person who we owed money demanded money immediately. The apartment, which cost around a million, which was supposed to pay for my and my sister's education, was gone. For my sister, we had a Porsche we had to sell. As for me, there is still no solution, since my mother earns some 500-600$/month. My mother has divorced my father a couple years ago, and my father hasn't sent any money to help us, ever. Now he is on numerous trials.
我們搬回了祖國，而留下我父親在國外工作。我們有一個帶陽臺的雙層大公寓。我很自豪地邀請我的朋友們過來，因為我的朋友們都沒有更大的公寓。後來，情況卻越來越糟。一天晚上，我媽媽告訴我我們必須搬走。這對我打擊很大。我們應該把它出租給別人來償還我父親的債務。我們不得不搬到一個靠近一家旅社的小得多的三室一廳的公寓，這太可怕了。我表現得好像一切都很好，但後來，當我的朋友過來說「它比你以前的房子小了好多倍」時，我意識到我們曾經是多麼富有。與此同時我見父親的次數開始越來越少。然後，我父親跑路了，把所有債務都推到了我母親身上。她必須管理我們出租的那間大公寓，這意味著要處理許多建築問題和住在那裡的韓國人的任何抱怨。然後我們必須馬上把它賣掉，因為我們欠錢的人需要我們立刻還錢。這套原本應該用於支付我和我姐姐的學費的公寓，價值約一百萬，但現在就這樣不見了。對我姐姐來說，我們還有一輛保時捷可以賣。至於我，仍然沒有解決辦法，因為我母親每月大約掙500-600美元。我母親幾年前和我父親離婚了，我父親從來沒有寄錢幫助過我們。現在他正得接受無數的審判。
My mother was forced to work as a babysitter, and now she is working as a teacher more than 60h/week, while having serious health issues.
I am too embarrassed to invite anyone over, and I can't even afford to go get a coffee every day anymore. We can barely afford a graphing calculator that I need for my studies, and before we could afford to go on river cruises on our yacht. All this happened in a matter of s few years. I went from riches to rags, from a healthy family to just me and my mother left in our household.
我母親被迫做保姆，現在她每周當老師60多個小時，同時有嚴重的健康問題。
我不再好意思邀請任何人過來，我甚至不能每天去喝咖啡了。我們幾乎買不起我學習所需的繪圖計算器，而之前我們曾支付得起乘坐遊艇在內河巡遊的費用。這一切就發生在短短幾年內。我從富有到貧窮，從一個健康的家庭到現在只有我和我母親在的一個人家。
Anonymous
Has happened to me, twice!!
Well I was never a billionaire, but my parents were pretty close to being billionaires.
We had a 50% stake in a family run business (the other 50% belonged to my fathers brother). While my father was busy setting up an office in a new location, my uncle swindled millions and left the country.
My father could've been embroiled in law suits and the judicial system in the country we were in would not have been kind. We were compelled to pay up.
We lost more than 80% of the company value. More importantly my father lost his confidence and didn't think he could make it again.
We moved from one of the most advanced countries in the world, to a third world country, so that we could still live the good life we were used to.
My parents worked hard and soon made millions.
I got married, and my husbands family apparently have gone through tough times and live frugally. I actually do chores I had only heard of.
It's not easy. You often compare your life to what it was when you were rich and it only makes you feel miserable.
這曾經發生在我身上兩次！
我從來都不是億萬富翁，但我父母很離億萬富翁很接近。
我們擁有家族企業50%的股份，另外50%屬於我父親的哥哥。當我父親忙著在一個新的地方設立一個辦事處時，我叔叔詐騙了數百萬美元並離開了這個國家。
我父親被捲入了法律訴訟，我們所在國家的司法系統也不太友好。我們只能被迫還錢。
我們損失了公司價值的80%以上。更重要的是，我父親失去了信心，認為他再也起不來了。
我們從世界上最先進的國家之一搬到了第三世界國家，這樣我們就可以繼續過慣有的美好生活。
我父母努力工作，很快就賺了幾百萬。
我結婚了，我的丈夫和家人顯然經歷了一段艱難的時期，生活很節儉。我實際上只會做那些我聽說過的家務。
這是挺不容易的。您經常將自己的生活與富裕時的生活進行比較，只會使您感到痛苦。
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