投資or存款？跟美國創業者學理財
Startup founders are just like us. They may know how to negotiate term sheets, but when it comes to their own personal finances, billion-dollar valuations be damned—they’re just as lost as we are.
企業家們和我們並沒有什麼兩樣。他們也許是投資協議的談判高手，而當談到個人理財的時候，這些億萬富翁們就摸不着頭腦了——他們和我們一樣不知所措。
An unscientific survey of 133 tech founders show most have nothing stashed away for retirement—one entrepreneur even reported a negative balance in his savings and checking accounts. Still, it gives a fascinating glimpse into how founders manage their money.
一個非學術性研究調查了133位技術（公司）創始人，調查顯示多數人沒有爲退休留下什麼存款——其中一位甚至出現了支票和儲蓄賬戶的嚴重不平衡。不過（這份研究）仍讓我們瞥見了這些企業家們是如何理財的。
Their bank account balances are surprisingly not outrageous. Just seven have a cool million dollars or more lying around. The mantra of one founder: “You can’t save your way to being wealthy.”
令人大吃一驚的是：他們的賬戶餘額也沒有多到離譜。只有7位擁有100萬美元或更多的存款。其中一位的口頭禪說得好：“你無法通過存錢來變得富有。”
Forty founders say they have no other assets, liquid or illiquid. One 33-year-old founder—who has $15.4 million in cash and assets, $425,000 in retirement, and a 38% stake in his $40 million company—has this piece of advice: “Bet on yourself rather than on external investments (housing, stock market, etc.).” Uh huh.
40位企業家表示他們沒有其他資產，不論是流動的還是非流動形式的。一名33歲的企業家——他有着1540萬美元的現金及資產，42萬5000退休資金，還有38%投在他價值4000萬美元的公司裏——給出了這樣一條建議：“不要給外部投資（房產、股票等等）下注，給自己下注。”
All the while, most report no credit card or other type of debt. Two say they owed $1 million or more (again, likely a mortgage).
從始至終，大多數企業家一直宣稱不使用信用卡或者其他種類的借貸。有兩位說他們欠了100萬美元或更多（老樣子，很有可能是房貸）。
And what do startup founders actually pay themselves? Following the lead of many CEOs whose salaries are entirely based on performance, 28 startup founders say they take zero salary, and two earn $1 annually. (This, of course, leaves out stock-based compensation; see next chart.) But most founders make less than six figures, probably less than the engineers working for them.
那麼企業創始人到底怎麼賺錢的呢？跟隨工資完全取決於他們表現的首席執行官的帶領，28位企業創始人說他們沒有工資，另外2位說自己年收入爲1美元。（這當然不算股權收入；詳情看下一張圖表。）但是大多數企業家賺的錢少於六位數，也許比爲他們工作的工程師還少。
Three founders say they own none of their company—these founders all have salaries between $100,000 and $200,000. In contrast, 40 retain 100% ownership, but most have between 20% and 39%.
三位企業家說他們並沒有“擁有”自己的公司——這些企業家都有10萬美元到20萬美元之間的工資。與此相反的是，40位企業家100%擁有自己的公司的股權，但是大多數只擁有20%到39%的股權。
