Introduction 介绍

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Many people who have a great deal of wealth do not even live in upscale neighborhoods.

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Wealth is not the same as income. If you make a good income each year and spend it all, you are not getting wealthier.

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Many people ask this question of themselves all the time. Often they are hard-working, well-educated, high-income people. Why, then, are so few affluent?

许多人一直在问自己这个问题。他们通常是勤奋、受过良好教育的高收入人群。那么，为什么富裕的人如此之少呢？

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But 65 percent of the households have equity in their own home, and more than 85 percent own one or more motor vehicles. Cars tend to depreciate rapidly. Financial assets tend to appreciate.

但 65%的家庭拥有自己的房屋，超过 85%的家庭拥有一辆或多辆机动车。汽车往往会迅速贬值。金融资产趋于升值。

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  1. They live well below their means.
  2. 他们的生活远远低于他们的能力。
  3. They allocate their time, energy, and money efficiently, in ways conducive to building wealth.
  4. 他们以有利于积累财富的方式有效地分配时间、精力和金钱。
  5. They believe that financial independence is more important than displaying high social status.
  6. 他们认为经济独立比展示高社会地位更重要。
  7. Their parents did not provide economic outpatient care.
  8. 他们的父母没有提供经济门诊护理。
  9. Their adult children are economically self-sufficient.
  10. 他们的成年子女在经济上自给自足。
  11. They are proficient in targeting market opportunities.
  12. 他们精通瞄准市场机会。
  13. They chose the right occupation.
  14. 他们选择了正确的职业。

1: Meet the Millionaire Next Door

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How much money does it take to maintain the upper-middle-class lifestyle of an attorney and his family?
维持律师及其家人的中上层阶级生活方式需要多少钱？
How much money is required to maintain the middle-class or even blue-collar lifestyle of a mobile-home dealer and his family?
需要多少钱来维持移动房屋经销商及其家人的中产阶级甚至蓝领生活方式？
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显然，身为律师的福特必须拿出家庭收入中更多的钱来维持和展示其家庭中上层阶级的生活方式。

2: Frugal Frugal Frugal

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THEY LIVE WELL BELOW THEIR MEANS.
他们的生活远远低于他们的能力。
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What are three words that profile the affluent?
描述富人的三个词是什么？

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Financially independent people are happier than those in their same income/ age cohort who are not financially secure.
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Mr. Friend never really enjoys his life. He owns a lot of upscale things, yet he works so hard and for so many hours during a typical day that he has no time to enjoy them. He has no time for his family, either. He leaves his house each day before dawn and rarely returns home in time for dinner.
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Each year you are forced to maximize realized income just to make ends meet. You can’t afford to invest any money.
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If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s total annual realized income.
如果您还不富裕，但希望有一天变得富有，那么永远不要购买需要抵押贷款的房屋，该抵押贷款超过您家庭年实现总收入的两倍。

3: Time, Energy, and Money

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THEY ALLOCATE THEIR TIME, ENERGY, AND MONEY EFFICIENTLY, IN WAYS CONDUCIVE TO BUILDING WEALTH.
他们以有利于积累财富的方式有效地分配时间、精力和金钱。
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PAWs allocate nearly twice the number of hours per month to planning their financial investments as UAWs do.
PAW每月分配的小时数几乎是 UAW的两倍，用于规划他们的金融投资。
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Many people tell us that you can judge a book by its cover, meaning that high-grade doctors, lawyers, accountants, and so on are expected to live in expensive homes. They also are expected to dress and drivein a style congruent with their ability to perform their professional duties. How do you judge the professionals you patronize?
Too many people judge them by display factors. Extra points are given to those who wear expensive clothes, drive luxury automobiles, and live in exclusive neighborhoods. They assume a professional is likely to be mediocre, even incompetent, if he lives in a modest home and drives a three-year-old Ford Crown Victoria. Very, very few people judge the quality of the professionals they use by net worth criteria. Many professionals have told us that they must look successful to convince their customers/ clients that they are.

很多人告诉我们，你可以通过封面来判断一本书，这意味着高级医生、律师、会计师等应该住在昂贵的房子里。他们还应该穿着和驾驶与其履行专业职责的能力相一致。你如何判断你所光顾的专业人士？太多人通过显示因素来判断它们。那些穿着昂贵衣服、驾驶豪华汽车和住在高档社区的人会得到加分。他们认为，如果一个专业人士住在一个简陋的家里，开着一辆三年前的福特皇冠维多利亚，他很可能是平庸的，甚至是无能的。很少有人通过净资产标准来判断他们使用的专业人士的质量。许多专业人士告诉我们，他们必须看起来很成功才能让他们的客户/客户相信他们是。

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这是做生意的成本之一
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I spend a lot of time planning my financial future.
我花了很多时间规划我的财务未来。
Usually, I have sufficient time to handle my investments properly.
通常，我有足够的时间妥善处理我的投资。
When it comes to the allocation of my time, I place the management of my own assets before my other activities.
在分配时间时，我把自己的资产管理放在其他活动之前。

4: You Aren’t What You Drive

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THEY BELIEVE THAT FINANCIAL INDEPENDENCE IS MORE IMPORTANT THAN DISPLAYING HIGH SOCIAL STATUS.
他们认为，经济独立比展示高社会地位更重要。
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If your goal is to become financially secure, you’ll likely attain it…. But if your motive is to make money to spend money on the good life, … you’re never gonna make it.
如果您的目标是在财务上获得安全，那么您很可能会实现它。但如果你的动机是赚钱，把钱花在美好的生活上，……你永远不会成功。
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It’s much easier in America to earn a lot than it is to accumulate wealth.
在美国，赚很多钱比积累财富要容易得多。

5: Economic Outpatient Care

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Whatever your income, always live below your means.
无论您的收入如何，都要始终入不敷出。

6: Affirmative Action, Family Style

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THEIR ADULT CHILDREN ARE ECONOMICALLY SELF-SUFFICIENT.
他们的成年子女在经济上是自给自足的。
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  1. Never tell children that their parents are wealthy.
  2. 永远不要告诉孩子他们的父母很有钱。
  3. No matter how wealthy you are, teach your children discipline and frugality.
  4. 不管你有多富有，都要教你的孩子纪律和节俭。
  5. Assure that your children won’t realize you’re affluent until after they have established a mature, disciplined, and adult lifestyle and profession.
  6. 确保您的孩子在建立成熟、自律和成人的生活方式和职业之前不会意识到您很富裕。
  7. Minimize discussions of the items that each child and grandchild will inherit or receive as gifts.
  8. 尽量减少讨论每个孩子和孙子将继承或作为礼物收到的物品。
  9. Never give cash or other significant gifts to your adult children as part of a negotiation strategy.
  10. 切勿将现金或其他重要礼物作为谈判策略的一部分送给您的成年子女。
  11. Stay out of your adult children’s family matters.
  12. 远离成年子女的家庭事务。
  13. Don’t try to compete with your children.
  14. 不要试图与你的孩子竞争。 Never boast about how much money you have accumulated.
  15. Always remember that your children are individuals.
  16. 永远记住，你的孩子是独立的个体。
  17. Emphasize your children’s achievements, no matter how small, not their or your symbols of success.
  18. 强调孩子的成就，无论多么渺小，而不是他们或你成功的象征。
  19. . Tell your children that there are a lot of things more valuable than money.
  20. .告诉孩子，有很多东西比金钱更有价值。

7: Find Your Niche 7：找到你的利基市场

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THEY ARE PROFICIENT IN TARGETING MARKET OPPORTUNITIES.他们善于瞄准市场机会。