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Make something people want . . . There’s nothing more valuable than an unmet need that is just becoming fixable. If you find something broken that you can fix for a lot of people, you’ve found a gold mine.

It’s not really about hard work. You can work in a restaurant eighty hours a week, and you’re not going to get rich. Getting rich is about knowing what to do, who to do it with, and when to do it. It is much more about understanding than purely hard work. Yes, hard work matters, and you can’t skimp on it. But it has to be directed in the right way. ...

Seek wealth, not money or status. Wealth is having assets that earn while you sleep. Money is how we transfer time and wealth. Status is your place in the social hierarchy. Ignore people playing status games. They gain status by attacking people playing wealth creation games. You’re not going to get rich renting out your time. You must own equity—a piece of a business—to gain your financial freedom. You will get rich by giving society what it wants but does not yet know how to get. At scale. ...

我绝不能让别人认为我很吝啬。于是我经常邀请朋友去餐厅吃饭；我还需要一辆大轿车来展现身份；此外，我还必须支付一些其他费用 —— 税收。最终，我只得求助于这一伟大的发明：信用卡。有了信用卡，我就不用自己付钱了，信用卡公司的人会帮我付款，至少我暂时先不用付钱了 …… 之后我就听到有人说：“他真是个人生赢家，他过的是头等生活。”我过起了头等生活：不喝气泡酒 —— 只喝香槟酒；不吃牛排 —— 只吃上等里脊。我想像一个富人一样，生活在未来世界。而很快，过去以账单、催债信和高贷款利率等方式不断地打扰我。作为一个业绩优异、收入颇丰的销售人员，我总是能够获得新的信用卡。于是我开始进行交替还款，也就是说，我得到一张新的信用卡，然后用新信用卡去还旧信用卡的账单。就这样，我将自己卷入了一个螺旋式下降的财务状态中。 ...

你越努力工作，你老板换豪车豪宅的机会越大。 你今天的收入就是你昨天所做之决定的结果，如果不理解这一点，你就不能说：“现在我要另做选择。

实现财务保障不要去冒险最重要的标准便是金钱的可支配性。你必须每天都有金钱收入。因此，你最好将你的金钱放进保险箱或是投入现金基金当中。在你实现财务保障之前，你都不应该去冒险。因此，你应该选择低风险的投资项目。但就算是这样，你还是要注意管控可能出现的风险。永远不要将你所有的金钱全都投进一个投资项目中，即使“你全部的资金”加起来只有 1000 欧元。记住，对风险的管控就意味着盈利机会的增加。在实现财务保障之前，请保持让财务安全处于中心位置。你应该容忍低利润率，将一部分现金存放在银行储蓄账户中。如果你仍想要投资基金，那么我向你推荐一个存款计划。 ...

首先，我们必须澄清一条重要的原则：你永远不能杀你的“鹅”。你也不能将它切割成小块。绝不能动用你的本金。 你所有的梦想，能借助金蛋来满足。这也意味着，你的金蛋必须大到足以承担你的梦想。 举个例子，你想买一栋房子。如果你已经实现财务自由，那么你无疑可以使用你的资产进行支付。但这样一来，你的资产就会缩水，这当然是你不想看到的。所以，你应该采取分期付款的方式来置办所有的大件，因为你每月的利息就完完全全足够支付了。 ...

Big goals are easier to achieve than small ones because problems cannot completely block your view of the big picture. Successful people always know how to put themselves in a “necessary” situation; without achieving their goals, they will never be happy. When you set limits for yourself, you will try to reach those limits. You should not only take responsibility for your failures but also for your successes. If you believe that success is unrepeatable, you lose the opportunity to improve your self-worth. A person who gives 110% effort and actively eliminates all excuses is bound to succeed. You need a good coach, someone who can maximize your potential using their own experience. The first person to focus on their weaknesses will not gain wealth. Whether it’s passive defense or active offense in a competition makes a world of difference. Many people have lost the joy of life and the opportunity to become wealthy by trying too hard to eliminate their weaknesses. The price you must pay to acquire wealth is time. But this is not comparable to the time you earn through wealth. Wealth allows you to think calmly about the meaning of life without financial concerns. +++ ...

明确你想要什么，编制一本与此相关的梦想图册： • 制作一本图册，将会成为你未来生活一部分的东西的图片贴上去。 • 思考你想做什么，你想拥有什么，你想成为什么样的人。 • 请选取那些能够打动你的图片。 • 尽可能频繁地翻看你的梦想图册。 • 之后将眼睛闭上一会儿，想象如果一切成真，你能看到、听到、感觉到、闻到、尝到什么。 ...

•“ 将来我也会为现在拥有的一切感到满足。” •“ 假如我能全力以赴，我就会成为最优秀的。” 这两句话的背后，通常都隐藏着自我欺骗、恐惧和缺乏自我价值感。 ...

好运的组成部分： • 储存资本； • 识别机会； • 果断地做出决定并采取行动。

• 我们常常忘记，顺着我们目前为止走过的道路继续前行，同样有风险。这条路给我们一种熟悉感，但也不会更安全。 • 生活就是一场比赛。不去冒险的人不可能获得成功。 • 在这个星球上，没有“必胜”，只有“机会”。 • 立即采取行动！因为你永远不能为成功做好完美的准备。 •世上唯一从来不犯错的人，是从来不做任何事的人。（西奥多 · 罗斯福） • 不确定性带来的痛苦，比确定的痛苦要强烈得多。 • 每一次行动计划都有风险，都需要付出 代价。但比起无所事事的舒适，它们的长期风险和付出的代价要小得多。（约翰 · 费茨杰拉德 · 肯尼迪） • 如果你害怕失去，你永远都不会获得。 • 去冒险吧，你不可能从地面摔下去的。 ...

Energy tips build self-confidence by keeping a success diary every day. Our self-confidence determines whether we dare to take risks. Without taking risks, growth is impossible. Overall, our thoughts, the education we receive, and the environment around us are not conducive to cultivating our self-confidence. A healthy self-assessment means confidence. Keeping a success diary makes you aware of how excellent you are. When writing a diary, you learn to focus on your strengths. After some time, you will start to discover your strengths and think: I can write this into my success diary. Our expectations determine what we will achieve. Our self-confidence again determines our expectations. +++ ...

大多数人都会推卸责任。当人们不想承担责任时，我们总是听到他们用这 3 个理由来搪塞责任： 1 ．“是基因的错。” 2 ．“是父母的错。” 3 ．“是客观环境的错。” ...

将你的事业建立在你最大的爱好之上。用你的爱好来赚钱。花点时间分析一下，你真正感兴趣的是什么、你的才能在哪方面，之后你才有可能从事一份自己既感兴趣又能赚钱的工作。 ...

1 ．储蓄一定比例的金钱。 2 ．使用储蓄资金进行投资。 3 ．提高自己的收入。 4 ．从每次加薪中提取一定比例进行储蓄。

我们的价值观和目标必須一致 乐观主义让你看到事物的积极面，而自信给你一种战胜事物黑暗面的信心 自信指的是，一个人在自身经历的基础之上，知道他遇事可以依靠自己。 ...

everyone has these unfounded fears, and they’re normal. Don’t let them hold you back from pursuing what’s important to you. Businesses are created, operated, and improved by ordinary people just like you; there’s no magic or secret knowledge involved. All you need to do is learn a few simple concepts that will change the way you think about how businesses work and allow you to identify promising opportunities. ...

This isn’t rocket science—we’ve chosen one of the world’s most simple professions.

As to methods, there may be a million and then some, but principles are few. The man who grasps principles can successfully select his own methods. The man who tries methods, ignoring principles, is sure to have trouble. —HARRINGTON EMERSON +++