中產階級與富人的10個不同之處(上)

According to Forbes, the 400 wealthiest Americans have more wealth than the bottom 150 million Americans combined. But what about the people in between? The middle class? You may be considered middle class. You're not poor, but you're not rich…yet. The middle class seems to be shrinking, according to the data revealed over the last couple decades. That means you're going to be less likely to be middle class in the future. You'll more likely be poor or rich. Which side do you want to be on?

根據《福布斯》雜誌報道，美國最富有的400人所擁有的財富，是最不富有的1億5千萬人收入的總和。那麼剩下的人呢？也就是所謂的中產階級呢？你也許認爲自己也是中產階級的一員。並不是很窮，卻也不算富裕。根據近幾十年的數據來看，中產階級的數量在不斷減少。也就是說，未來你將很有可能不再是中產階級。你更有可能成爲純粹的富人，或者純粹的窮人。那麼，你想選擇哪一邊呢？

If you want to be on the side with the rich, you've got to start thinking like the rich. Here are 10 differences between middle class and rich people for you to learn from…

如果你選擇想成爲富人的話，那你需要開始像富人一樣去思考。在這裏，我們給出中產階級和富人對比的10個不同之處，也許你會用得着…

middle class live comfortably, the rich embrace being uncomfortable

10.中產階級追求生活舒適，富人們卻能吃苦

"Be willing to be uncomfortable. Be comfortable being uncomfortable. It may get tough, but it's a small price to pay for living a dream."--Peter McWilliams

"願意吃苦。甘心吃苦。雖然過程艱辛，但這是實現夢想的小小代價。" --彼得·麥克威廉斯

"In investing, what is comfortable is rarely profitable."-–Robert Arnott

"在投資領域，舒適的反而是不賺錢的"--羅伯特·阿諾特

It's comfortable to work a "safe" job. It's comfortable to work for someone else. The middle class think being comfortable means being happy, but the rich realize that extraordinary things happen when we put ourselves in uncomfortable situations. Starting your own business is a risk and risks can be uncomfortable, but a little risk is what it takes to create wealth and achieve superior results. Step out of your comfort zone. Look at all your options. You will have to be at least a little uncomfortable if you want to become rich. You might even have to fail and that's great, because if you're not failing, you're not doing much.

擁有一份"鐵飯碗"工作是安逸的，爲別人打工是省心的。中產階級認爲，舒適即快樂。但富人們認爲只有當我們處在不是那麼舒適的狀況時，一些意想不到的好事纔會發生。創業有風險，風險讓人焦慮，但一點點風險是創造財富和取得更高成就的必備要素。走出你的舒適區。查看你所有的選擇。如果想要變得富有，一絲不適必不可少。爲此你有可能還會面臨失敗，但這反而是一件好事，因爲如果你沒有失敗，那這意味着你做的還不夠多。

middle class live above their means, the rich live below

9.中產階級的生活入不敷出，富人們則量入爲出

"There is no dignity quite so impressive, and no one independence quite so important, as living within your means."--Calvin Coolidge

"沒有一種尊嚴像量入爲出這樣令人敬佩，沒有一種獨立像量入爲出這樣重要。"--卡爾文·庫利奇

You won't catch the average millionaire in a $100,000 car or a multi-million dollar home. The rich don't spend their money on depreciating liabilities, they spend their money on appreciating assets and they live below their means. On average, the rich drive cars that are a few years old and they don't buy them new, according to studies done in the book "The Millionaire Next Door." Even if they can "afford" that fancy new Escalade, they usually don't buy it. Remember, if you earn $1,000,000/year and you spend $1,000,000/year, you're still broke.

你不會看到百萬富翁們開着一輛價值十萬美元的名車或住在一幢幾百萬美元的豪宅裏。富人們不把錢花在會貶值的事務上，相反，他們把錢投資在會增值的資產上，並且量入爲出。一般來說，富人們開的車都有些年頭，而且他們不會買最新款車。根據《鄰家的百萬富翁》一書中的研究顯示，即使富人們"買得起"，他們通常也不會買。切記，如果你一年掙一百萬花一百萬，那你仍是身無分文。

middle class climb the corporate ladder, the rich own the ladder

8.中產階級試圖進入行業高層，富人則掌握着整個行業

"The richest people in the world look for and build networks; everyone else looks for work."--Robert Kiyosaki

在這個世界上，富人們在尋找、建立關係網；而其他人只是在尋找工作。--羅伯特·清崎

The middle class tend to work for someone else. They have a job. A career. Upper middle class tend to be self-employed. They own a job. The rich tend to own the business. They own that corporate ladder that the middle class are busy working up. The rich understand that they need more people working for them to earn more money. The rich understand the power of passive income.

中產階級常常爲他人打工，他們找尋一份工作，擁有一份職業；上層中產階級則更加自主，他們傾向於自己開公司；而富人則掌控着整個行業，他們手握着中產階級朝思暮想的官職。富人們需要更多的人來爲他們創造財富，他們也深諳被動收入能帶來收益。

middle class are friends with everyone, the rich choose wisely

7.中產階級廣泛交友，富人擇優而處之

"It's better to hang out with people better than you. Pick out associates whose behavior is better than yours and you'll drift in that direction."--Warren Buffett

最好是和比你優秀的人交朋友，挑選出那些比你優秀的朋友並向他們看齊。--沃倫·巴菲特

The rich understand that when you surround yourself with successful people, your own success will follow. Likewise, surrounding yourself with unsuccessful people tends to have the anticipated effect. Your income is usually the average of the incomes of your three closest friends. If you want to earn more, hang around people who earn more. It's all about aligning your mindset with the mindset of successful people. If you want to be rich, you have to think rich.

物以類聚，人以羣分。富人深知，成功者身邊總圍繞着成功者。同樣的，失敗者總是互相爲營。一般來說，你的工資數目等於你最親近的三個朋友的收入平均數。如果你想掙的更多，那就和那些會賺錢的朋友一起吧。見"成功者"而思齊焉，如果你想變得富有，就必須學會富人的思維方式。

middle class work to earn, the rich work to learn

6.中產階級爲賺錢而工作，富人爲學習而工作

"When you are young, work to learn, not to earn."--Robert Kiyosaki

人在年輕時，要爲了學東西而工作，不要只爲了賺錢而工作。--羅伯特·清崎

The middle class are easily persuaded to change jobs when someone offers more money. The rich understand that working isn't about the money, especially in the early years. It's about developing the skills and traits you need to develop to become rich. That may mean working a sales job to better understand the world of selling. Or it could mean you work at a bank to better understand accounting. If you want to be rich, you should be working to learn the skills you need to become rich. Most rich people didn't get there by earning a high salary.

中產階級很容易在有人提供更高薪水時而說服自己改換工作。而富人明白工作並不是爲了金錢，尤其是在工作早期。只有增加能力、提高素質，才能讓你變富有。意思是你做一份銷售類的工作是爲了更好地理解銷售這個行業，做銀行的工作是爲了更好地瞭解財會這個行業。如果你想變成富人，你要學習變富必要的能力。要知道大部分富人並不是靠拿高薪而變成富人的。

審校：張茜 編輯：listen 來源：前十網