中产阶级与富人的10个不同之处(上).doc

AccordingtoForbes,the400wealthiestAmericanshavemorewealththanthebottom150millionAmericanscombined.Butwhataboutthepeopleinbetween?Themiddleclass?Youmaybeconsideredmiddleclass.Yourenotpoor,butyourenotrichyet.Themiddleclassseemstobeshrinking,accordingtothedatarevealedoverthelastcoupledecades.Thatmeansyouregoingtobelesslikelytobemiddleclassinthefuture.Youllmorelikelybepoororrich.Whichsidedoyouwanttobeon?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？Ifyouwanttobeonthesidewiththerich,youvegottostartthinkingliketherich.Hereare10differencesbetweenmiddleclassandrichpeopleforyoutolearnfrom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.Themiddleclasslivecomfortably,therichembracebeinguncomfortable10.中产阶级追求生活舒适，富人们却能吃苦Bewillingtobeuncomfortable.Becomfortablebeinguncomfortable.Itmaygettough,butitsasmallpricetopayforlivingadream.-PeterMcWilliams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Ininvesting,whatiscomfortableisrarelyprofitable.-RobertArnott在投资领域，舒适的反而是不赚钱的-罗伯特阿诺特Itscomfortabletoworkasafejob.Itscomfortabletoworkforsomeoneelse.Themiddleclassthinkbeingcomfortablemeansbeinghappy,buttherichrealizethatextraordinarythingshappenwhenweputourselvesinuncomfortablesituations.Startingyourownbusinessisariskandriskscanbeuncomfortable,butalittleriskiswhatittakestocreatewealthandachievesuperiorresults.Stepoutofyourcomfortzone.Lookatallyouroptions.Youwillhavetobeatleastalittleuncomfortableifyouwanttobecomerich.Youmightevenhavetofailandthatsgreat,becauseifyourenotfailing,yourenotdoingmuch.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.Themiddleclassliveabovetheirmeans,therichlivebelow9.中产阶级的生活入不敷出，富人们则量入为出Thereisnodignityquitesoimpressive,andnooneindependencequitesoimportant,aslivingwithinyourmeans.-CalvinCoolidge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Youwontcatchtheaveragemillionaireina$100,000caroramulti-milliondollarhome.Therichdontspendtheirmoneyondepreciatingliabilities,theyspendtheirmoneyonappreciatingassetsandtheylivebelowtheirmeans.Onaverage,therichdrivecarsthatareafewyearsoldandtheydontbuythemnew,accordingtostudiesdoneinthebookTheMillionaireNextDoor.EveniftheycanaffordthatfancynewEscalade,theyusuallydontbuyit.Remember,ifyouearn$1,000,000/yearandyouspend$1,000,000/year,yourestillbroke.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.Themiddleclassclimbthecorporateladder,therichowntheladder8.中产阶级试图进入行业高层，富人则掌握着整个行业Therichestpeopleintheworldlookforandbuildnetworks;everyoneelselooksforwork.-RobertKiyosaki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Themiddleclasstendtoworkforsomeoneelse.Theyhaveajob.Acareer.Uppermiddleclasstendtobeself-employed.Theyownajob.Therichtendtoownthebusiness.Theyownthatcorporateladderthatthemiddleclassarebusyworkingup.Therichunderstandthattheyneedmorepeopleworkingforthemtoearnmoremoney.Therichunderstandthepowerofpassiveincome.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.Themiddleclassarefriendswitheveryone,therichchoosewisely7.中产阶级广泛交友，富人择优而处之Itsbettertohangoutwithpeoplebetterthanyou.Pickoutassociateswhosebehaviorisbetterthanyoursandyoulldriftinthatdirection.-WarrenBuffett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Therichunderstandthatwhenyousurroundyourselfwithsuccessfulpeople,yourownsuccesswillfollow.Likewise,surroundingyourselfwithunsuccessfulpeopletendstohavetheanticipatedeffect.Yourincomeisusuallytheaverageoftheincomesofyourthreeclosestfriends.Ifyouwanttoearnmore,hangaroundpeoplewhoearnmore.Itsallaboutaligningyourmindsetwiththemindsetofsuccessfulpeople.Ifyouwanttoberich,youhavetothinkrich.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.Themiddleclassworktoearn,therichworktolearn6.中产阶级为赚钱而工作，富人为学习而工作Whenyouareyoung,worktolearn,nottoearn.-RobertKiyosaki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Themiddleclassareeasilypersuadedtochangejobswhensomeoneoffersmoremoney.Therichunderstandthatworkingisntaboutthemoney,especiallyintheearlyyears.Itsaboutdevelopingtheskillsandtraitsyouneedtodeveloptobecomerich.Thatmaymeanworkingasalesjobtobetterunderstandtheworldofselling.Oritcouldmeanyouworkatabanktobetterunderstandaccounting.Ifyouwanttoberich,youshouldbeworkingtolear