中产阶级与富人的10个不同之处(上)

 　　According to Forbes, the 400 wealthiest Americans have more wealth than the bottom 150 million Americans combined. But what about the people in between? The middle class? You may be considered middle class. You're not poor, but you're not rich…yet. The middle class seems to be shrinking, according to the data revealed over the last couple decades. That means you're going to be less likely to be middle class in the future. You'll more likely be poor or rich. Which side do you want to be on?

　　根据《福布斯》杂志报道，美国最富有的400人所拥有的财富，是最不富有的1亿5千万人收入的总和。那么剩下的人呢？也就是所谓的中产阶级呢？你也许认为自己也是中产阶级的一员。并不是很穷，却也不算富裕。根据近几十年的数据来看，中产阶级的数量在不断减少。也就是说，未来你将很有可能不再是中产阶级。你更有可能成为纯粹的富人，或者纯粹的穷人。那么，你想选择哪一边呢？
　　If you want to be on the side with the rich, you've got to start thinking like the rich. Here are 10 differences between middle class and rich people for you to learn from…
　　如果你选择想成为富人的话，那你需要开始像富人一样去思考。在这里，我们给出中产阶级和富人对比的10个不同之处，也许你会用得着…
　　10.The middle class live comfortably, the rich embrace being uncomfortable
　　10.中产阶级追求生活舒适，富人们却能吃苦
　　中产阶级追求生活舒适，富人们却能吃苦
　　"Be willing to be uncomfortable. Be comfortable being uncomfortable. It may get tough, but it's a small price to pay for living a dream."--Peter McWilliams
　　"愿意吃苦。甘心吃苦。虽然过程艰辛，但这是实现梦想的小小代价。" --彼得·麦克威廉斯
　　"In investing, what is comfortable is rarely profitable."-–Robert Arnott
　　"在投资领域，舒适的反而是不赚钱的"--罗伯特·阿诺特
　　It's comfortable to work a "safe" job. It's comfortable to work for someone else. The middle class think being comfortable means being happy, but the rich realize that extraordinary things happen when we put ourselves in uncomfortable situations. Starting your own business is a risk and risks can be uncomfortable, but a little risk is what it takes to create wealth and achieve superior results. Step out of your comfort zone. Look at all your options. You will have to be at least a little uncomfortable if you want to become rich. You might even have to fail and that's great, because if you're not failing, you're not doing much.
　　拥有一份"铁饭碗"工作是安逸的，为别人打工是省心的。中产阶级认为，舒适即快乐。但富人们认为只有当我们处在不是那么舒适的状况时，一些意想不到的好事才会发生。创业有风险，风险让人焦虑，但一点点风险是创造财富和取得更高成就的必备要素。走出你的舒适区。查看你所有的选择。如果想要变得富有，一丝不适必不可少。为此你有可能还会面临失败，但这反而是一件好事，因为如果你没有失败，那这意味着你做的还不够多。
　　9.The middle class live above their means, the rich live below
　　9.中产阶级的生活入不敷出，富人们则量入为出
　　中产阶级的生活入不敷出，富人们则量入为出
　　"There is no dignity quite so impressive, and no one independence quite so important, as living within your means."--Calvin Coolidge
　　"没有一种尊严像量入为出这样令人敬佩，没有一种独立像量入为出这样重要。"--卡尔文·库利奇
　　You won't catch the average millionaire in a $100,000 car or a multi-million dollar home. The rich don't spend their money on depreciating 1 liabilities, they spend their money on appreciating assets and they live below their means. On average, the rich drive cars that are a few years old and they don't buy them new, according to studies done in the book "The Millionaire Next Door." Even if they can "afford" that fancy new Escalade, they usually don't buy it. Remember, if you earn $1,000,000/year and you spend $1,000,000/year, you're still broke.
　　你不会看到百万富翁们开着一辆价值十万美元的名车或住在一幢几百万美元的豪宅里。富人们不把钱花在会贬值的事务上，相反，他们把钱投资在会增值的资产上，并且量入为出。一般来说，富人们开的车都有些年头，而且他们不会买最新款车。根据《邻家的百万富翁》一书中的研究显示，即使富人们"买得起"，他们通常也不会买。切记，如果你一年挣一百万花一百万，那你仍是身无分文。
　　8.The middle class climb the corporate 2 ladder, the rich own the ladder
　　8.中产阶级试图进入行业高层，富人则掌握着整个行业
　　中产阶级试图进入行业高层，富人则掌握着整个行业
　　"The richest people in the world look for and build networks; everyone else looks for work."--Robert Kiyosaki
　　在这个世界上，富人们在寻找、建立关系网；而其他人只是在寻找工作。--罗伯特·清崎
　　The middle class tend to work for someone else. They have a job. A career. Upper middle class tend to be self-employed. They own a job. The rich tend to own the business. They own that corporate ladder that the middle class are busy working up. The rich understand that they need more people working for them to earn more money. The rich understand the power of passive income.
　　中产阶级常常为他人打工，他们找寻一份工作，拥有一份职业；上层中产阶级则更加自主，他们倾向于自己开公司；而富人则掌控着整个行业，他们手握着中产阶级朝思暮想的官职。富人们需要更多的人来为他们创造财富，他们也深谙被动收入能带来收益。
　　7.The middle class are friends with everyone, the rich choose wisely
　　7.中产阶级广泛交友，富人择优而处之
　　中产阶级广泛交友，富人择优而处之
　　"It's better to hang out with people better than you. Pick out associates whose behavior is better than yours and you'll drift in that direction."--Warren Buffett
　　最好是和比你优秀的人交朋友，挑选出那些比你优秀的朋友并向他们看齐。--沃伦·巴菲特
　　The rich understand that when you surround yourself with successful people, your own success will follow. Likewise, surrounding yourself with unsuccessful people tends to have the anticipated effect. Your income is usually the average of the incomes of your three closest friends. If you want to earn more, hang around people who earn more. It's all about aligning 3 your mindset with the mindset of successful people. If you want to be rich, you have to think rich.
　　物以类聚，人以群分。富人深知，成功者身边总围绕着成功者。同样的，失败者总是互相为营。一般来说，你的工资数目等于你最亲近的三个朋友的收入平均数。如果你想挣的更多，那就和那些会赚钱的朋友一起吧。见"成功者"而思齐焉，如果你想变得富有，就必须学会富人的思维方式。
　　6.The middle class work to earn, the rich work to learn
　　6.中产阶级为赚钱而工作，富人为学习而工作
　　中产阶级为赚钱而工作，富人为学习而工作
　　"When you are young, work to learn, not to earn."--Robert Kiyosaki
　　人在年轻时，要为了学东西而工作，不要只为了赚钱而工作。--罗伯特·清崎
　　The middle class are easily persuaded to change jobs when someone offers more money. The rich understand that working isn't about the money, especially in the early years. It's about developing the skills and traits you need to develop to become rich. That may mean working a sales job to better understand the world of selling. Or it could mean you work at a bank to better understand accounting 4. If you want to be rich, you should be working to learn the skills you need to become rich. Most rich people didn't get there by earning a high salary.
　　中产阶级很容易在有人提供更高薪水时而说服自己改换工作。而富人明白工作并不是为了金钱，尤其是在工作早期。只有增加能力、提高素质，才能让你变富有。意思是你做一份销售类的工作是为了更好地理解销售这个行业，做银行的工作是为了更好地了解财会这个行业。如果你想变成富人，你要学习变富必要的能力。要知道大部分富人并不是靠拿高薪而变成富人的。