窮人向富人學(xué)什么

金融專家常說(shuō)：“想變得有錢(qián)，那就做有錢(qián)人做的事。”下面這10種方法可以教你向有錢(qián)人學(xué)習(xí)，再也不讓辛苦賺來(lái)的錢(qián)嘩啦啦流走。

1. They get out of debt.

有錢(qián)人擺脫債務(wù)。

Duh, right? Debt is the enemy to building wealth. Debt is Lord Voldemort. It will kill and destroy your money. You should get rid of even small, monthly payments. Start by figuring out exactly how much you owe, and decide what you’re going to tackle first.

可不是嘛，債務(wù)是累積財(cái)富的頭敵，債務(wù)就是伏地魔。它榨取并吸干你的每分每厘。哪怕是小額的月債，你也應(yīng)該還清。先算清自己到底欠了多少債，然后想辦法去解決。

2. They know how much they save.

有錢(qián)人清楚自己有多少積蓄。

Do you know what your annual savings rate is? Rich people do. It doesn’t have to be exact, or down to the penny, but you should know how much of your salary you usually save or invest.

你知道自己的年儲(chǔ)蓄率是多少嗎?有錢(qián)人知道。你不一定要搞清具體數(shù)字或精確到每分錢(qián)，但應(yīng)該清楚平時(shí)儲(chǔ)蓄或投資的薪水金額。

3. They know how much they spend.

有錢(qián)人知道自己花了多少錢(qián)。

How much are your monthly utilities? How much do you usually spend at restaurants? By figuring out these things, you will be able to find ways to save and invest more. So, track your spending over the next couple months. After you’ve seen where your money is going, you will have a better idea of what you can cut.

你每個(gè)月的日常開(kāi)銷是多少?平常會(huì)花多少錢(qián)去吃館子?算清這筆賬，你就找到省錢(qián)和投資的方法了。所以，接下來(lái)幾個(gè)月請(qǐng)嘗試記下自己的開(kāi)銷吧。當(dāng)你弄清錢(qián)都花在哪兒后，就能知道怎么削減開(kāi)支了。

4. They think long term.

有錢(qián)人目光長(zhǎng)遠(yuǎn)。

Where do you want to be in 5, 10, or 20 years? Wherever that is, you need to start planning for it today. Rich people don’t say things like, “I want new shoes, I’m going to spend the last of my paycheck on them.” They think long term about where they want to be, and they make savings goals to get there.

你給自己5年、10年乃至20年的定位是什么?不論怎樣，你都需要從現(xiàn)在起認(rèn)真規(guī)劃了。有錢(qián)人不會(huì)說(shuō)：“我想買(mǎi)雙新鞋，還剩一點(diǎn)余錢(qián)，干脆把它花掉吧。”他們會(huì)考慮得很長(zhǎng)遠(yuǎn)，然后努力存錢(qián)實(shí)現(xiàn)那個(gè)長(zhǎng)遠(yuǎn)目標(biāo)。

5. They make their money work for them.

有錢(qián)人讓金錢(qián)為自己效勞。

My dream is to figure out how to make money while I sleep. Doesn’t that sound amazing? Well, rich people do that. They invest in stocks, real estate, companies, etc. and make their money work for them.

我的夢(mèng)想就是掌握一邊睡大覺(jué)一邊賺鈔票的秘訣。這聽(tīng)上去是不是很誘人?有錢(qián)人就是這么做的啊!他們投資股票、房產(chǎn)、公司等，讓金錢(qián)為自己帶來(lái)收益。

6. They diversify their income.

有錢(qián)人保持收入多樣化。

Nothing will make you feel more secure at work than having another stream of income, and it will help your bank account, too. Having a few side hustles will make your bank account grow—and it gives you less time to spend your money, which increases your savings.

工作時(shí)賬戶里還能增加額外收入?再?zèng)]什么能比這個(gè)更令人心安了吧?賺點(diǎn)外快可以充實(shí)銀行賬戶，不僅縮減花錢(qián)時(shí)間，還能增加存款!

7. They aren’t afraid to get help.

有錢(qián)人不羞于請(qǐng)人幫忙。

It could be your brother, your sister, or even your best friend’s parents, but you should find someone who you think handles money well, and ask them how they do it. Also, there are a ton of great online resources you should check out. In addition, you can go to financial planners and find out what they suggest. You’re probably not going to find all your answers in one spot, and that’s fine. Just keep searching until you find something that works for you.

不論是兄弟姐妹還是好朋友的父母，你應(yīng)該找一個(gè)善于理財(cái)?shù)娜?，然后向他討教。另外，網(wǎng)上也有很多不錯(cuò)的資源，查查看吧。而且，你還可以選擇理財(cái)規(guī)劃師，聽(tīng)聽(tīng)他們的建議?；蛟S你無(wú)法一下子就得到所有答案，但也別太介意，只要堅(jiān)持探索直到找到適合自己的方式就行。

8. They figure out goals for their money.

有錢(qián)人有自己的財(cái)富目標(biāo)。

You need goals. You need something to strive for at every step of your financial journey. Are you working on getting out of debt? Then you should have a big “get out of debt goal.” You should also break down your big goal into smaller pieces. For example, “pay off a credit card, pay off $5,000 in student loans, or pay off half of your car.” By making these smaller goals you will stay motivated to getting to your bigger goal.

你需要目標(biāo)。在理財(cái)過(guò)程中，你需要有個(gè)東西不斷鞭策你。在努力還債嗎?那你應(yīng)該定一個(gè)遠(yuǎn)大的擺脫債務(wù)目標(biāo)。同時(shí)，你應(yīng)該把大目標(biāo)分成無(wú)數(shù)小目標(biāo)。比如，“還信用卡、還5000美元的學(xué)生貸款，或付清一半車貸”。實(shí)現(xiàn)小目標(biāo)后，你會(huì)更有動(dòng)力去實(shí)現(xiàn)大目標(biāo)。

9. They realize getting rich is a process.

有錢(qián)人懂得積累財(cái)富需要過(guò)程。

It’s not going to happen overnight, but by making a plan and sticking with it, you will eventually get there.

你不可能一夜暴富，但如果制定計(jì)劃并堅(jiān)持執(zhí)行的話，最終你會(huì)變富有的。

10. They don’t want what other people have.

有錢(qián)人不稀罕別人的東西。

You know the couple with the amazing house? You know the girl with the awesome car? Most of them aren’t rich. They may have good incomes, but they’re most likely buried in payments. Trying to get these things will make you the same way. You will be buried in payments, but you won’t be making progress on your net worth. Decide what you want more, wealth or things?

你認(rèn)識(shí)一對(duì)有大房子的夫婦，或知道某個(gè)女孩開(kāi)著豪車?這種人大部分都不算有錢(qián)。他們或許有不錯(cuò)的收入，但也極可能欠了一屁股債。如果你也置洋房買(mǎi)豪車，肯定也會(huì)落到那個(gè)下場(chǎng)——債務(wù)纏身，個(gè)人凈值毫無(wú)提升。想清楚自己更想要什么：財(cái)富還是物質(zhì)享受?