個人理財?shù)?0個錯誤觀點[英漢對照]

個人理財?shù)?0個錯誤觀點[英漢對照]

有人曾經(jīng)說過，如果讓你列出10個最親密的朋友和熟人，然后把你和他們的收入從少到多進行排序，那么你可能會發(fā)現(xiàn)自己處在中間位置。

Someone once said that if you were to make a list of your 10 closest friends and acquaintances and order your earnings and theirs from smallest to greatest, you'd probably find yourself somewhere near the middle. All that this means is that we are subtly influenced by our friends, even when we're not aware of it, especially in matters of money. Being somewhere in the middle is probably more comfortable for the average person.

有人曾經(jīng)說過，如果讓你列出10個最親密的朋友和熟人，然后把你和他們的收入從少到多進行排序，那么你可能會發(fā)現(xiàn)自己處在中間位置。這說明的是，我們會受到友人們的潛移默化，尤其是在金錢方面，即便我們并不自知。對于一般人而言，排在中間或許感到更自在。

If you are that rare person at the high end of the list, then you probably don't need to read this article. If you are not, then find out what's holding you back. There are hundreds of personal finance myths which are either misunderstood, taken out of context, or just plain incorrect. Here are our top 25.

如果你是高高在上的那一個，或許你就不必讀這篇文章了。如果不是，那就從中探尋是什么讓你停步不前。在此例舉出25大理財錯誤觀念。

1. I don't deserve to be rich.

Why not? Intuition suggests that no matter which religion you follow, there are people who are successful and got there by honest means. What is wrong with that? Believing this myth cripples your willingness to be open to opportunities. Keep in mind that the government, Medicare, and other programs are not going to take care of you as much as you think.

我不配成為富人

為什么不配呢？直覺告訴人們，無論你信奉何種宗教，總有人獲得成功而且是通過誠實手段。致富有什么不對的呢？相信這個誤區(qū)，就會扭曲你迎接機遇的意愿。要記住，政府、醫(yī)療保障等等社會福利項目所能提供給你的，不會像你所想的那么多。

2. Rich people are scum.

Or greedy, selfish, uncaring, or whatever. It's just that the scummy rich are more played up in the media because it sells newspapers. Of course, the rich didn't get that way by giving away their money. At least not until they are ultra-rich like Bill Gates, Warren Buffet, and others who have donated to the Bill & Melinda Gates Foundation. One principle you could live by is this: you can't help the poor if you are yourself poor. Idealism is romantic, but reality is more sobering. This is a variation of the belief that "money is the root of all evil." What the Bible really says is that "the love of money is the root of all evil" (Timothy 6:10). These are two wholly different things, but the misinterpretation causes some people, even whole societies, to shun money. Become wealthy, then start your own prosperity project and give away wealth to good causes of your choosing.

富人都是垃圾

或者貪得無厭、自私自利、冷漠無情，諸如此類。事實上，那些垃圾富人在媒體上被渲染得比較多，是因為這樣一來報紙好賣。當然，他們并不是靠給錢才做到這一點的。至少在他們成為比爾·蓋茨、沃倫·巴菲特、以及其他比爾－梅琳達蓋茨基金會的捐贈者這樣的超級富豪之前不是。你可以遵從的一條原則是：窮幫不了窮。理想主義固然浪漫，但現(xiàn)實更為理智。"錢是萬惡之源"之類的說法有種種版本。但圣經(jīng)里真正說的是"愛財是萬惡之源"。這是兩個截然不同的觀念，但錯誤的解讀造成某些人、甚至整個社會對金錢避之不及。富裕起來，開展你自己的幸福計劃，把財富捐獻給你選擇的慈善事業(yè)。

3. You have to have X dollars to be wealthy.

Wealthy is what you think it is for you. Don't try to keep up with the Joneses. Keep things simple. CNN Money has 10 rules for building wealth. [via LifeHack] Key is starting early, or at least starting now. Compound interest takes care of some of the growth, but if you are not keeping up with inflation, then you are not building wealth.

很多錢才能致富

富裕的標準因人而異。不要跟人攀比。讓事情簡單一些?？梢詤⒖糃NN Money文章--10 Rules for Building Wealth。關(guān)鍵是要盡早起步，至少從現(xiàn)在開始。利滾利能令財富實現(xiàn)一些增長，但如果你跟不上通貨膨脹的形勢，就積累不了財富。

4. Those with obvious material wealth must be rich.

Experience suggests we humans get jealous or resentful for so many reasons, and witnessing someone's material wealth is often one of them. But don't be so sure that the neighbor with all the cool ATVs, skidoos, swimming pool, and latest car is actually wealthy (has liquid assets), or even happy. He/She could be deep in debt to maintain the facade.

物質(zhì)光鮮的人是富人

經(jīng)驗表明，人出于許多原因會嫉妒或者忿忿不平，目睹別人的物質(zhì)財富通常是原因之一。不過別那么肯定地以為，你那調(diào)頻電視、雪地摩托、游泳池、最新款汽車......應有盡有的鄰居很富有（擁有流動資產(chǎn)），甚至快樂。他/她為了撐起門面，可能正債臺高筑。

5. Money makes you happy. Money makes you unhappy.

Well which is it? Money does not have the power in and of itself to make you happy or unhappy. There are happy poor people and miserable rich people. More money does help with the bills, provided you know how to manage your wealth. But people with more money can also spend more than necessary and actually end up with less. Read this money sermon by Coty Pinckney for a bit of insight.

錢讓人快樂、錢讓人不快樂

到底是那一個呢？錢本身其實并沒有那么大的能耐讓你快樂或者不快樂。有快樂的窮人，也有郁郁寡歡的富人。錢越多確實能應付賬單，前提是你懂得如何管理財富。但比較有錢的人也會有不必要的開支，到最后實際上財富減少了。參閱Coty Pinckney的Money Sermon這篇文章，獲取一些真知灼見。

6. There's only so much money in the world.

There isn't enough in the world for everyone to be wealthy. This couldn't be farther from the truth. Honest economists - yes, there are some - have said that there is more than enough money in the world for every single human being to live comfortably. Some people also believe that the Internet is the great leveller that will help redistribute at least some of the world's wealth, for those pioneers who participate.

錢是賺不完的

世界上沒有足夠的錢讓每個人都富裕。這一點幾乎是真相。誠實的經(jīng)濟學家（確實有那么一些）說，這世界上錢綽綽有余，可以讓每個人都活得自在。有些人還相信，互聯(lián)網(wǎng)對于那些參與其中的先驅(qū)者而言，就是一個均衡財富的工具，至少能夠重新分配部分財富。

7. Becoming rich is hard work.

It can be easier than you've been told. Dr. Marsha Sinetar's book Do What You Love, The Money Will Follow is one of the best guides for an organic approach to wealth. It also does not have to be linearly dependent on your earnings. It does not mean you don't have to work hard and smart at it at first, but it doesn't have to be "hard" in the sense that it's not enjoyable. And eventually, it gets easier to build your wealth - once you've made your mistakes.

致富艱辛

可以比你聽說的要簡單。Dr.Marsha Sinetar著寫的Do What You Love,The Money Will Follow就是一個實現(xiàn)"自體成長型富裕之道"的最佳指引。不一定要同你的收入掛鉤。也并不是說你不必努力工作并精于此道，只是說你不必在體會不到樂趣的事情上賣力氣。最終，財富積累變得越來越容易--一旦你犯下錯誤之后。

8. Working hard and saving your money makes you rich.

These are components of becoming wealthy, but not by themselves sufficient. Saving is linear; investing increases your wealth. Jesus said to "multiply talents." This has been interpreted to mean that you should multiply your wealth. Do morethan save. Start by having a small sum automatically deducted from your paycheck each pay period and deposited into a 401(K) or Roth IRA.

努力工作積蓄收入致富

致富有很多因素，但靠這些因素自己發(fā)揮作用是不夠的。儲蓄是線性的，投資才能增加財富。別只是一味儲蓄。開始從你的工資卡定期自動劃出一小筆資金，存入401(K）或Roth IRA（譯者注：退休金帳戶）。

9. Earning lots of money makes you rich.

Only if you actually save and invest it. If you spend it all, like some high-earning individuals, then you are not rich. Wealth is defined by liquid assets and investments, not how much you earn from a job. In fact, people who earn more money but have no plan for the so-called disposable income end up doing just that - disposing income. Some do it out of guilt of having "more than necessary", others because they feel they owe it to themselves to "have something nice", and still others to "keep up with the Joneses".

賺大錢致富

只有在你真正存下來并且用作投資。如果像某些高收入者那樣揮霍一空，那就并沒有致富。富不富裕是由流動資產(chǎn)和投資來界定的，而不是你工作收入有多少。那些掙錢較多但沒有可支配收入計劃的人，到頭來只是在消耗收入。

10. Pinching pennies is the way to wealth.

Hardly. What this really does is set up an emotional enivronment of lack, causing you to miss out on opportunities to gain wealth because you become focused on every little penny. In fact, penny-pinching is actually one common catalyst of divorce.

節(jié)儉致富

幾乎不可能。過于節(jié)儉只能讓你陷入一種不夠用的心態(tài)，讓你錯過獲得財富的機遇，因為你的注意力都放在了每一分錢上。摳門還是造成婚姻破裂的一個常見的催化劑。

個人理財?shù)?0個錯誤觀點[英漢對照]