在纷繁复杂的世界中，财富如同隐藏的宝藏，等待着有志之士去探寻。握紧这十六条财富秘籍，让我们一起踏上通往富人之路！

In the complex world, wealth is like hidden treasure, waiting for the determined to explore. Hold tight these sixteen wealth secrets, and let's embark on the journey to becoming wealthy!

1. 4人缘好。开朗谦虚，乐于聆听，分享、助人以行善。

1. They have good relationships with four people. They are open and modest, willing to listen, share, and help others to do good.

2. 9嘴巴甜。避免说负面的话，好话人人爱听，但切勿虚伪。

2.9 Sweet-tongued. Avoid saying negative things. Positive words are loved by everyone, but do not be insincere.

3. 6效率高。时间分配得宜，善用人才，准备充足，事后检讨。

3. 6 High efficiency. Proper time allocation, effective use of talents, adequate preparation, and post-event review.

4. 从经济角度看，富人与穷人最大的不同就是他们比穷人有钱得多。被问到他们致富的秘诀，他们的回答却很简单，大多是长期精明投资、勤奋努力和节俭朴实。美国媒体曾就一些百万富翁的成功故事整理出富人理财的十大秘诀，虽然这些秘诀看起来语不惊人，但内中所蕴含的深刻道理却值得人们去思考。

4. From an economic perspective, the biggest difference between the rich and the poor is that the rich have much more money than the poor. When asked about the secrets of their wealth, their answers are simple, mostly long-term wise investments, hard work, and thrift. American media once compiled the top ten secrets of rich people's finances based on some stories of millionaires' success. Although these secrets may not seem shocking, the profound truths they contain are worth pondering.

5. 85%的富人称他们喜爱自己所从事的工作，而穷人仅有2%的人称喜爱自己的工作。86%的富人平均每周工作50 个小时，81%的富人称他们要做比工作所要求更多的事情。富人的工作往往是自己开创事业，全身心地投入自不可免。而穷人多是打工族，要想做到全身心投入要求有点过高。

5. 85% of the wealthy say they enjoy the work they do, while only 2% of the poor claim to love their jobs. 86% of the wealthy work an average of 50 hours per week, and 81% of the wealthy say they have to do more than what is required by their jobs. The work of the wealthy is often starting their own businesses, which inevitably requires wholehearted dedication. The poor, on the other hand, are mostly employed as laborers, and it is somewhat demanding to expect wholehearted dedication from them.

6. 5行动快。留心时人时事，把握时机，坐言起行。

6. Act quickly. Pay attention to the times and people's circumstances, seize the opportunity, and put words into action.

7. 68%的富人称他们喜欢交新朋友，而穷人喜欢交新朋友的比例只有11%。中国人常说在家靠父母、出门靠朋友，多个朋友多条路。广交朋友是扩大人脉的一种方式，在美国也是如此。

7. 68% of the wealthy say they enjoy making new friends, while only 11% of the poor do. The Chinese often say that at home you rely on your parents, and when you go out, you rely on friends; the more friends you have, the more paths you have. Making a large number of friends is a way to expand your network, and this is also the case in the United States.

8. 科里建议在投资方面应与大多数人逆向而行。如果现在股票跌得惨，很多人拚命卖出，如果敢逢低承接，一年半载之后就可能是大丰收。这样的投资法也不仅限于股票市场，如房地产的投资道理亦同。勇于以低价买下法拍屋，把它分租出去，日后可能会有很大的回报。科里谈的是一种投资策略，而对于很多人而言，关键是要形成投资的观念。中国人有储蓄的观念，但投资的观念却还在满满形成中。投资不一定是非要把资金投在房地产、股票证券上，像退休基金等也是一种好的投资方向。美国的理财专家多建议人们从工作开始就拿出一定比例的收入投到退休基金上，而工作40年到退休时，有效经营的退休基金金额可以在100万美元以上。

8. Corey suggests that when it comes to investment, one should go against the grain of the majority. If the stock market is currently plummeting and many are frantically selling, if one dares to buy low, there could be a great harvest in a year or two. Such an investment approach is not limited to the stock market; the same logic applies to real estate investments. Being bold to purchase auctioned houses at a low price, renting them out, and there could be substantial returns in the future. Corey is discussing an investment strategy, and for many, the key is to form an investment mindset. Chinese people have the concept of saving, but the concept of investment is still in the process of forming. Investment does not necessarily mean having to put money into real estate, stocks, and securities; things like retirement funds are also good investment directions. American financial experts often suggest that people start setting aside a certain percentage of their income into retirement funds from the beginning of their work, and by the time they retire after 40 years of work, the amount of well-managed retirement funds could be over one million dollars.

9. 创新精神，创造力是最珍贵的财富，它能真正把握并掌握住生活的最佳时机，从而缔造伟大的奇迹。

9. The spirit of innovation and creativity is the most precious wealth, as it can truly grasp and seize the best moments of life, thereby creating great wonders.

10. 7·形象好。保持优美仪态及谈吐，尊重别人等于尊重自己。

10. 7·Good image. Maintain a graceful demeanor and speech, respecting others is equal to respecting yourself.

11. 在如何看待美国梦上，2%的穷人认为美国梦可以实现，而87%的富人认为可以实现美国梦。美国梦在富人眼里是人们可以发挥自己的潜能，自己来决定命运。94%的美国富人认为拥有更多财富是他们美国梦的一个主要组成部分，而这种梦想是可望又可及的。

11. In terms of the American Dream, 2% of the poor believe it is achievable, while 87% of the wealthy believe it is. In the eyes of the wealthy, the American Dream is about tapping into one's potential and deciding one's own fate. 94% of American wealthy individuals consider having more wealth as a major component of their American Dream, and this dream is both attainable and reachable.

12. 1脾气小。公私分明，个人或家中的麻烦不影响工作。

12. 1. Easygoing. Clear distinction between public and private matters, personal or domestic troubles do not affect work.

13. 从事金融方面的工作可能会带来高薪，但是如果自己不喜欢却不一定能带来很大的成就感。因此科里建议人们一定要做自己想做的事。看看自己下班时最喜欢花时间阅读哪一方面的书籍杂志或资讯，那可能就是自己真正热爱的事物，值得考虑投入相关的职场。比如你非常喜欢看时装杂志，从事与时装有关的工作就可能会给你带来发展的机会。有时一项职业就算薪水等可能不太吸引人，但只要自己真心喜欢，就极可能有超凡的表现，成为人上人。

13. Working in the finance field can bring high salaries, but if you don't enjoy it, it may not necessarily bring a great sense of achievement. Therefore, Kori suggests that people should always do what they truly want to do. Look at which books, magazines, or information you enjoy reading the most after work, that may be what you are truly passionate about, and it is worth considering a career in that field. For example, if you love reading fashion magazines, a job related to fashion might offer you opportunities for growth. Sometimes, a profession may not be very attractive in terms of salary, but as long as you are genuinely passionate about it, you are very likely to excel and become outstanding.

14. 你可能会说，咦，你不是在跟我开玩笑吧，我现在就是不能使自己钱袋鼓起来才负债的，你还跟我说使我的钱袋鼓起来，这不是太搞笑了嘛。别急嘛伙计，听我慢慢道来，就算是你负债的情况下也能让你的空钱袋鼓起来。首先你检查下自己的现状，第一，是不是花的比挣得多？第二，由于债务庞大，是不是每月还完债以后就没有结余了，日子过得紧巴巴的，在水深火热中？好，那我们来解决第一个问题先，首先花得比挣得多，我们就要检视自己，是不是先消费，再考虑存钱，先付完房贷车贷等各种款项，最后再支付给自己，那现在我们转换一下，每次拿到收入后，先支付给自己，存下收入的十分之一，永远只消费收入的十分之九，你猜会发生什么情况，你的钱袋是不是会越来越鼓。少花十分之一并不会对你的生活有多大的影响，而不存对你未来的影响就太大了。第二个问题，大量还债务，希望快速还完，你发觉这是个恶性循环，你越用更多的钱去还债，你越还不完，因为你的钱永远跑不赢通胀。那该怎么办呢？不还吗？不是的。把你所有的债务整理出来，每个债主欠多少，心里有数，然后用你收入的十分之二平等分好还给各位债主，每拿到收入就还一次，这样你的债就会很快还清的，为什么说很快，后面的秘诀会告诉你的。通过上述方法是不是让你在还清债务的同时还腰包鼓鼓呢。仅仅是这样还远远不够，那我们来看看秘密二是什么呢？

14. You might say, "Hey, are you kidding me? I'm in debt because I can't make my wallet fatter, and you're telling me to make my wallet fatter, that's just too funny." Don't rush, my friend, let me explain slowly. Even if you're in debt, I can show you how to make your empty wallet fatter. First, let's check your current situation. First, are you spending more than you earn? Second, because of the large amount of debt, are you left with no surplus after paying off your debts each month, living a tight and difficult life? Alright, let's solve the first problem first. If you're spending more than you earn, we need to examine whether you consume first and then consider saving, pay off the mortgage, car loan, and other expenses first, and then pay yourself last. Now let's change it up. After receiving each income, pay yourself first, save one-tenth of the income, and only consume nine-tenths of the income. Guess what will happen? Your wallet will get fatter and fatter. Spending one-tenth less won't have a big impact on your life, but not saving will have a huge impact on your future. The second problem is that you're trying to pay off a large amount of debt quickly, and you find that it's a vicious cycle. The more money you use to pay off the debt, the less you can pay off, because your money can never keep up with inflation. What should you do? Stop paying? No, that's not it. List all your debts, how much each creditor is owed, and keep it in mind. Then, divide your income equally into one-tenth and pay each creditor accordingly. Pay each creditor back with each income, and your debts will be paid off quickly. Why say quickly? The secret will be revealed later. Through the above methods, isn't it making you fatter while paying off your debts? That's not enough. Let's see what the second secret is.

15. 即使是阿姆这样的大明星都会精打细算，不想乱花钱。有一次阿姆看到一只他非常喜欢的腕表价值15000美元，他很想买下来。但是他后来认为，还是应该把钱留下来，因为他不想把钱用光，而是希望有钱来供女儿上大学。很多大明星就是因为没有这种想法，结果落得一身债。百万富翁史密斯说，她的理财经验是不要为了赶时髦每月把挣得钱都花光，而是想办法将收入的10%到25%节省下来。要做到这一点，就不要跟风，不要买那些所谓象征身份地位的物品，如时髦的跑车、豪华的庄园、也不需买太多名牌的皮包、鞋子和服装。 分享出去吧！

15. Even a big star like Eminem would be careful with his money and not want to waste it. There was a time when Eminem saw a very favorite watch of his worth $15,000 and he really wanted to buy it. But later, he thought that it would be better to keep the money because he didn't want to spend it all, but rather hoped to have some saved up for his daughter's college education. Many big stars end up in debt because they don't have this kind of thought. Millionaire Smith says that her financial advice is not to spend all the money earned each month on keeping up with the latest trends, but rather to find a way to save between 10% to 25% of the income. To do this, don't follow the crowd, don't buy those so-called status symbols like trendy sports cars, luxurious estates, nor do you need to buy too many luxury bags, shoes, and clothing. Share it out!

16. 合作品格，善于合作是成功的关键，与别人格格不入从来只有失败。要多理解多宽容。

16. Collaborative character and good teamwork are the key to success; being incompatible with others has only led to failure. One should aim to understand and be tolerant more often.

17. 在由谁来决定自己命运上，90%的富人表示是由自己，而穷人中只有10%的人认为命运由自己决定。穷人大多认为自己命不好，没个好爸爸。在受访的美国富人中，大多数人最初也不是富人，也没个好爸爸来撑腰。但他们秉持命运掌握在自己手里的信念，努力向改进自己命运的目标进发，这种态度也是他们能够成为富有之人的一个因素。

17. When it comes to deciding their own destiny, 90% of the wealthy said it is in their own hands, while only 10% of the poor believed their destiny is in their own hands. Most of the poor tend to think that they have a bad destiny, without a good father. Among the American wealthy surveyed, most were not rich initially and did not have a good father to support them either. However, they held the belief that destiny is in their own hands, and they strived towards improving their own destiny. This attitude is also a factor that enabled them to become wealthy.

18. “邻家的富翁大妈”博客专栏作家史密斯认为，要想成为富翁一定要有这样的梦想，如果自己本身没有这样的梦想，富翁梦那真是成了梦。但仅仅是说出“我想做个有钱人”这样的话那是太空洞了，最好能具体地想象，想象您是一个百万富翁时生活是什么样子。譬如“要有200万元钱进行投资，然后光靠投资的收益就可以过好日子。这样就可以辞掉工作，去做义工、旅行、学习打网球和画画、和家人一起在沙滩上野餐”。史密斯的富翁梦是在有了孩子之前自己的经济状况完全自立，不需要工作也可以生活的很好。史密斯从杂志上剪下她最想去的地方或是她最想做的事的，摆在书桌前明显的位置，时时提醒自己要努力达成美梦，而最后史密斯确实也是实现了自己的梦想。一项调查显示，虽然美国是世界上百万富翁人数最多的国家，但大多数美国人却没有想成为富翁的欲望，他们对小康生活就很满意。因此在美国有些人本来可以有条件成为富翁但最终却与富翁失之交臂，这与人们的心态有一定的关系。

18. Blog columnist Smith from "The Rich Grandma Next Door" believes that to become rich, one must have such a dream; if one does not have such a dream themselves, the dream of becoming rich will truly remain just a dream. However, merely saying "I want to be a rich person" is too abstract; it's better to have a specific image, imagining what life would be like as a millionairess. For instance, "I would have two million yuan to invest, and then I could live a good life just from the returns on the investment. This would allow me to quit my job, do volunteer work, travel, learn to play tennis and paint, and have picnics on the beach with my family." Smith's dream of becoming rich was to be financially independent before having children, living well without the need for work. Smith cut out pictures from magazines of the places she most wanted to visit or the things she most wanted to do, placing them in a prominent spot on her desk to constantly remind herself to strive to achieve her beautiful dreams. In the end, Smith did indeed realize her dreams. A survey shows that although the United States is the country with the most millionaires in the world, most Americans do not have the desire to become rich; they are content with a comfortable life. Therefore, in the United States, some people might have had the conditions to become rich but ultimately missed the opportunity, which is somewhat related to people's mindset.

19. 12涵量大。不斤斤计较，宽容待人，保持厚道。

19. 12 Generous in heart. Not overly concerned with small matters, tolerant towards others, maintaining a generous nature.

20. 2实力厚。好学不倦，与时并进，为自己增值。

20. 2 Strength is profound. Pursue learning tirelessly, keep pace with the times, and add value to yourself.

21. 多走些路(多实践)，做个主动的人，勇于实践，不要什么事也不做。

21. Take more steps (do more practice), be proactive, dare to practice, and don't do nothing at all.

22. 成功是一种观念，致富是一种义务，快乐是一种权利。要想成为富人不仅要能挣大钱，而且要勤俭持家、积聚财富。花天酒地、挥霍无度，即使家有金山银山也有会被掏空的一天。富人教育子女有一条二八定律，就是在生活中不要做月光族，至少收入的20%要用于储蓄或是投资。

22. Success is a concept, wealth accumulation is an obligation, and happiness is a right. To become wealthy, one must not only be able to earn a lot of money but also be thrifty and accumulate wealth. Living a lavish and extravagant lifestyle will eventually drain even a household with mountains of gold and silver. There is a 80/20 rule in the education of children by the wealthy: in life, one should not be a spendthrift, at least 20% of one's income should be used for savings or investment.

23. 自信，成功者一般是那些拥有坚强信念的普通人。成功的程度决定于信念的深度，信心多一分，成功的可能就多十分。

23. Confidence: Successful people are generally ordinary individuals with strong beliefs. The degree of success depends on the depth of belief; the more confidence there is, the greater the possibility of success.

24. 穷人和富人，而这个世界上97%的都是穷人，受金钱困扰，只有3%的人是富人，把梦想过成了现实。那么成为富人到底有没有规律可循呢？能不能通过学习成为富人呢？都已经负债累累的人群还有没有机会可以成为富人呢？不要着急，其实富人与穷人并不是以你钱多钱少来划分的，穷人与富人最大的区别在于思维，如果你拥有富人的思维，即使你现在负债，通过合理规划收入，将来你也可以成为富人，如果你是穷人思维，即使你现在有再多的钱，不久的将来，你也会变成穷光蛋。好了，今天不讲穷人和富人，主要谈的话题是已经负债的人群该怎么做才能完成从负债到富有的跨越？接下来给大家揭秘，这是古老的历经岁月的检验，富人不会告诉你而他们自己正在用的秘密，所有富人都是从无到有起家的，好，那接下来就给你揭秘从负债到富有的七个秘诀，掌握这七个秘诀，你就能在还清债务的同时还腰包鼓鼓。

24. Poor and rich people, and 97% of the world's population are poor, troubled by money, while only 3% are rich, who have turned their dreams into reality. So, is there a pattern to becoming rich? Can one become rich through learning? What about those who are already deeply in debt, do they still have a chance to become rich? Don't rush, in fact, rich and poor are not divided by how much money you have, the biggest difference between the poor and the rich lies in mindset. If you have the mindset of the rich, even if you are in debt now, by reasonable planning of income, you can also become rich in the future. If you have the mindset of the poor, even if you have a lot of money now, in the near future, you will become a pauper. Alright, today we won't talk about rich and poor people, but the main topic is what the already debt-ridden people should do to make the transition from debt to wealth? Next, let me reveal a secret, this is an ancient secret that has stood the test of time, the secret that rich people will not tell you but are using themselves. All rich people start from scratch. Alright, next, I will reveal seven secrets from debt to wealth. Master these seven secrets, and you will be able to pay off your debts while also filling your wallet.

25. 高度自制力，自制是最难得的美德，也是成功最需要的品质。

25. High self-discipline, self-control is the most difficult virtue, and also the most needed quality for success.

26. 75%的富人视创造性为成为富人的重要条件，穷人中11%的人认为是如此。富人更多地相信创造性会极大影响能否成功，而穷人则更多地认为自己穷是因为不够聪明。很多成为富人的人在大学的读书成绩只是C，也就是勉强及格，他们算不上聪明人和学霸，但这些人注重创意，而不是死读书，走上社会后更能发挥自己的能力。

26. 75% of the wealthy consider creativity to be an important condition for becoming rich, while 11% of the poor hold the same view. The wealthy are more likely to believe that creativity has a significant impact on whether one can succeed, whereas the poor tend to attribute their poverty to a lack of intelligence. Many who have become rich only achieved a C grade in their academic performance in college, which is just passing, and they are not considered intelligent or academic stars. However, these individuals place more emphasis on creativity rather than rote learning, and are able to better utilize their abilities after entering society.

27. 可以说在当今世界上几乎没有人不想成为富人，但最终的结果却是穷人永远比富人多。穷人与富人之间一定会有些不同，要不然就无法解释为什么有些人会成为富人，而有些人辛辛苦苦一辈子还是过著清贫的生活。人们要想成为富人不一定是运气好，也不一定是靠极度勤奋地工作，甚至并不一定要获得大学毕业文凭。从富人所走过道路可以看出，一个人要想成为富人或是取得成功，最需要的是有明智的头脑，明智的头脑会使人形成良好的习惯，而这种良好习惯又会导致财务上的充裕，使人能过上自己喜欢的生活方式。当然我们所说的富人并不是象比尔·盖茨这样世界顶尖的富豪，如果按照美国拥有100万美元家庭净资产就可以算是富人的话，这对于不少人来说，应是一个可望又可及的目标。

27. It can be said that almost everyone in the world today wants to become wealthy, but the ultimate result is that there are always more poor people than rich. There must be some differences between the poor and the rich, otherwise it would be hard to explain why some people become rich while others, despite their hard work, still lead a life of poverty. Becoming wealthy does not necessarily depend on luck, nor is it necessarily achieved through extreme diligence in work, nor does it necessarily require a university degree. From the paths that the rich have taken, it can be seen that the most essential thing for someone to become rich or to succeed is to have a wise mind. A wise mind leads to the formation of good habits, and these good habits can lead to financial abundance, enabling people to live the lifestyle they enjoy. Of course, when we talk about the rich, we are not referring to the likes of Bill Gates, the world's top billionaires. If having a net worth of $1 million in the United States can be considered wealthy, then this should be an achievable goal for many.

28. 很多人之所以破产，常常是因为离婚、家人去世、因伤残疾病或家人无法工作，有的人也会因为家中某次聚会来宾摔倒而付出高额赔偿费而半生的心血付之东流。反过来想，为这些不可预知的事故买保险则能保障自己的财富。“平安的百万富翁”作者、著名财经专栏作家怀尔特指出，许多人买的保险根本不够自己所需，或者是买了不需要的保险，这些都是对保险和保险的作用不够了解。在美国如果购买房价较高的住宅，保险公司都会建议屋主购买财产的百万伞险，这种保险的最大好处就是一旦有外人在屋主私人住宅领域内发生意外，保险公司可以承担相关的赔偿费用。美国一些案例表明，即使是朋友聚会，举办派对，屋主对所有来宾都负有法律上的责任，一旦出现摔跤、碰撞事故造成人体伤害，屋主是需要赔偿的。

28. Many people go bankrupt often due to reasons such as divorce, the death of family members, disabilities or illnesses, or when family members are unable to work. Some may also end up losing their lifelong efforts and paying high compensation fees due to an accident at a family gathering where a guest fell. Conversely, purchasing insurance for these unpredictable accidents can protect one's wealth. The author of "The Wealthy Safe," the renowned financial columnist Walter, points out that many people do not purchase enough insurance for their needs or buy unnecessary insurance, which is due to a lack of understanding of insurance and its functions. In the United States, if a homeowner purchases a house with a high price, insurance companies will generally recommend that the homeowner buy a million-dollar umbrella insurance for property. The biggest benefit of this insurance is that if an accident occurs on the private property of the homeowner, the insurance company can bear the related compensation costs. Some cases in the United States show that even at friend gatherings or parties, homeowners have legal liability towards all guests. If there are accidents such as falls or collisions causing bodily harm, the homeowners are required to compensate.

29. 迷人的个性，人生的美好在于人情的美好，人情的美好决定于人性的美丽。人性的美丽会造就迷人的个性，也表现于迷人的个性;迷人的个性吸引着人，也肯定吸引着财富。

29. The charm of personality lies in the beauty of human feelings, and the beauty of human feelings depends on the beauty of human nature. The beauty of human nature creates charming personalities, and it is also manifested in charming personalities; charming personalities attract people, and they are also sure to attract wealth.

30. 8目光远。不要只计较眼前利益，应望向远大的发展。

30.8 Look ahead. Do not just concern yourself with immediate gains; instead, look towards great development.

31. 85%的富人将身体健康看得很重要，而且也认为这是赚钱的本钱，但穷人却是把身体健康看得不甚重要，13%的穷人认为身体健康是“革命”的本钱。一位富人曾说，我不可能在医院的病床上赚钱。身体健康意味着有更多的精力和时间去开拓事业，也会更多地积累财富。身体健康还会将积累财富的时间拉长，一个人再富有，英年早逝也是一种悲剧。

31. 85% of the wealthy consider physical health to be very important and also believe it to be the capital for making money, but the poor do not place much importance on physical health; 13% of the poor consider physical health to be the capital for "revolution." A wealthy person once said, "I can't make money on a hospital bed." Good health means having more energy and time to pursue a career, and it also leads to the accumulation of more wealth. Good health can also extend the time for accumulating wealth. Even if someone is very wealthy, premature death in youth is still a tragedy.

32. 第二，穷人赚钱主要用于消费，而富人赚钱大多用来投资。富人会将金钱作为资本，投资于能增值的项目，如房地产、黄金或其他有价值的资产。穷人则视金钱为消费的手段，他们往往将钱花在贬值的物品上，如汽车、电视上。

32. Secondly, the poor primarily use the money they earn for consumption, whereas the rich mostly use their earnings for investment. The rich treat money as capital, investing it in projects that can appreciate in value, such as real estate, gold, or other valuable assets. The poor, on the other hand, view money as a means of consumption, often spending it on depreciating items like cars or televisions.

33. 很多人都认为富翁们之所以有钱，大多是碰到好运气。但是亿万富翁川普在他的新书“象川普一样思考”中认为自己成功并不是靠运气，川普认为自己成功的最基本原因不是别的，而是勤奋工作。他说，勤奋会带来好运，因为勤劳多半会导致成功，然后人们就认为好运带来成功。就算是如此，也是因为你运气够好，自己聪明到知道要工作勤奋。而同样的观念在18世纪本杰明-弗兰克明就提倡过，他曾表示，我越勤奋工作，我的运气就越好。

33. Many people believe that the rich get rich mostly due to good luck. However, in his new book "Think Like Trump," billionaire Donald Trump believes that his success is not due to luck. Trump believes that the most basic reason for his success is not anything else but hard work. He says that hard work brings good luck, because hard work mostly leads to success, and then people attribute success to good luck. Even so, it is because you are lucky enough to be smart enough to know that you need to work hard. The same idea was advocated by Benjamin Franklin in the 18th century, who once said, "The harder I work, the luckier I get."

34. 63%的富人表示在致富的过程中敢于冒风险，穷人在这方面是底气不足，6%的穷人表示他们赞同致富要勇于冒风险的观点。在学者的调查中，27%的富人在创业致富过程中至少有一次遭遇失败，人们很容易忘记成功，但失败却是刻骨铭心，能从失败中吸取教训，重新站起来，这就具备了可能会成功的基本素质。

34. 63% of the wealthy said they were willing to take risks in the process of becoming rich, while the poor lack confidence in this aspect. Only 6% of the poor expressed their agreement with the view that becoming rich requires the courage to take risks. In the scholars' survey, 27% of the wealthy encountered at least one failure in the process of starting a business and becoming rich. People tend to forget success easily, but failure is deeply engraved in memory. The ability to learn from failure and rise again is the basic quality that may lead to success.

35. 很多富人会说他们成为富人是运气好，而不少穷人也会说自己运气不好所以成为不了富人。但什么是运气，运气是从哪里来富有人群认为不好的习惯造成的是有害的运气，而好的习惯则可以带来机会的运气。

35. Many rich people would say that they became rich due to luck, and many poor people would also claim that their bad luck is the reason they cannot become rich. But what is luck, and where does it come from? The affluent believe that bad habits lead to harmful luck, while good habits can bring about lucky opportunities.

36. 史密斯自己每个月都记账，她也建议民众练习这样做，每个月一一列出自己花钱的细目。此外她也认为维持好的信用分数对成为百万存款族也有帮助，因为好的信用分数可以在很多方面替自己省下钱，而一生节省下来的钱就会达到数万美元。

36. Smith herself keeps a record of her expenses every month, and she also recommends that the public practice doing so, listing every detail of their spending month by month. Additionally, she believes that maintaining a good credit score is also helpful in becoming a million-dollar savings group, because a good credit score can save money for oneself in many aspects, and the amount saved over a lifetime can reach tens of thousands of dollars.

37. “7年赚700万”博客博主卡特伍德在科技业自创门户打拼时拚命省钱，节俭过日。今年49岁的他说，很多人在年轻时就过度依赖信用卡借贷，结果是借贷吃掉储蓄，永远省不下钱来。他认为人要想生活得富裕，在年轻时不要想什么就买什么，让自己被物欲的满足所操纵。在年轻时，如果能早早养成好的理财习惯，赚的钱才会留在自己的口袋里，也才会真正成为百万富翁。

37. "7 Years to 7 Million" blog writer Carterwood, who struggled to save money and live frugally while fighting for a place in the tech industry, said that many people become overly dependent on credit card loans at a young age, and the result is that loans consume savings, and money can never be saved. He believes that in order to live a wealthy life, one should not buy whatever they want when they are young and allow themselves to be manipulated by the desire for material goods. In young age, if one can cultivate good financial habits early on, the money they earn will stay in their pockets, and they will truly become millionaires.

38. 正确的思考，成功，是正确的思考方法和信念、行动相结合的结果。

38. Proper thinking, success, is the result of combining the correct methods of thinking, beliefs, and actions.

39. 多数人只说自己想做百万富翁，但对于很多人来说，100万美元是不够的。尤其是40岁以下的年轻人，随着通货膨胀，等到他们65岁时，100万元根本不够过个舒适的生活。因此最好能先把自己的想法具体化，包括想住什么样的房子、什么样的旅行、支付多少的房贷、孩子要上什么样的大学等等，总结出一个数字，这样更能帮助自己达到目标。这里所讲的其实就是设立财务上的目标，然后对自己一生所追求和想达成的目标进行分解，逐步来让梦想成真。在现实生活中很多的人缺乏一个人生的财务稳定计划或是目标，往往是过一天是一天，能有房子住，三餐不断也就算是生活了。

39. Most people only say they want to be millionaires, but for many, $1 million is not enough. Especially for young people under 40, with inflation, by the time they reach 65, $100,000 is simply not enough to live a comfortable life. Therefore, it's best to first clarify your own thoughts, including what kind of house you want to live in, what kind of travel you want to experience, how much mortgage you are willing to pay, what kind of university you want your children to attend, and so on. Summing up a number will help you achieve your goal more effectively. What is being discussed here is essentially setting financial goals, then breaking down the goals you pursue and want to achieve in your lifetime, and gradually making your dreams come true. In real life, many people lack a financial stability plan or goal for their lives, often living from day to day, with a roof over their heads and three meals a day being considered a good life.

40. 你会发现一个有趣的现象，我们每个人都有工作，每份工作也都有收入，可是工作了这么多年，口袋还是空空，甚至入不敷出，负债累累，那到底是什么原因呢？源于我们缺少对财富的认知，就像结婚找对象是一样的，我们都希望找到一个懂自己的人结婚，那其实财富也是一样的，它喜欢跟懂它的人在一起，那就让我们一起来探索走出财务困境的秘密吧。

40. You will find an interesting phenomenon: We all have jobs and each job brings in income, yet after working for so many years, our pockets are still empty, and even worse, we are living beyond our means, burdened with debt. So, what is the reason for this? It all stems from our lack of understanding of wealth. It's just like finding a partner for marriage; we all hope to find someone who understands us to marry. Well, it's the same with wealth; it prefers to be with those who understand it. Let's explore the secrets to get out of financial困境 together.

41. “30岁以前赚到100万”一书的作者科里年轻时几乎把市面上所有能找得到的百万富翁传记和自传都读遍了，并从中得到启发开始投资房地产，结果不倒30岁就成为百万富翁。科里说，他是通过读书来寻找这些富人在事业上成功的共同特点，这样可以帮助自己选择最适合个人的致富道路。最后他发现，几乎所有的富翁都有一个共同特点，就是有无比的自信心，相信自己绝对可以在财务上有大成就。这个发现也真的帮助了他，让他年级轻轻就实现了百万富翁梦。

41. The author of the book "Make a Million Before 30" is Cory, who, when he was young, read almost all the biographies and autobiographies of millionaires that he could find on the market, and was inspired to start investing in real estate from them, becoming a millionaire before he turned 30. Cory says that he looked for the common characteristics of these successful entrepreneurs in their careers through reading, which helped him choose the most suitable path for personal wealth. Finally, he discovered that almost all millionaires share a common trait: an unparalleled self-confidence, believing that they are absolutely capable of achieving great success financially. This discovery really helped him, enabling him to realize his dream of becoming a millionaire at a young age.

42. 10是非少。要做好自己分内事，切忌造谣或听片面之言。

42. 10 is not enough. One must do their own duties well and avoid spreading rumors or listening to one-sided words.

43. 富人相信美国梦!对于这样一个问题：日常生活习惯是否对成为富人有主要影响富人中有52%的人认为会产生主要影响，穷人中持这种观点的比例为3%。

43. The wealthy believe in the American Dream! For the question: "Does daily life habits have a major impact on becoming wealthy?" 52% of the wealthy believe it does, while only 3% of the poor hold this view.

44. 提到金钱的问题，对于大多数人来说无疑是非常头疼的问题，因为在金钱世界中就两种人，

44. When it comes to the issue of money, it is undoubtedly a very headache-inducing problem for most people, because in the world of money, there are only two kinds of people.

45. 你的钱袋正一天天鼓胀起来。你已经学会了并习惯于存下你收入的十分之一。并且你已经能通过控制开销花费来保护你的财富。接下来，我们将思考怎样把财富变为劳动力并实现增长。我们把钱存下来只是第一步，如果仅靠存下来的钱，只能满足一些小的可怜的愿望，存钱只是个开始，钱存着不流动就是在贬值，因为你的现金永远跑不赢通账，我想你也不希望看着钱增长而购买力却在下降，所以要思考如何让钱生钱，让你的每一分钱都动起来为你工作，带来源源不断的收益。

45. Your money bag is swelling up day by day. You have learned and become accustomed to saving one-tenth of your income. And you have also learned to protect your wealth by controlling your expenses. Next, we will think about how to convert wealth into labor and achieve growth. Saving money is just the first step; if you rely solely on the money you have saved, it can only satisfy some small, pitiful wishes. Saving money is just the beginning; money that is not in circulation is actually depreciating, because your cash can never keep up with inflation. I believe you don't want to see your money grow while its purchasing power is declining, so you need to think about how to make money work for you, making every cent of your money active and working for you, generating continuous income.

46. 领导才能，(其实每个人都是领导，因为追求成功和富有，需要有驾驭生活的能力)因此，领导的才能是：信念的深度，雄心的高度，理想的广度，对人爱的程度。

46. Leadership talent, in fact, everyone is a leader because in the pursuit of success and wealth, one needs the ability to navigate life, therefore, the talents of leadership are: the depth of belief, the height of ambition, the breadth of ideals, and the degree of love for people.

47. 美国著名理财专家大卫·金恩认为富人与穷人在理财上有着两个巨大的不同点，而这会对人们能否致富有着深远的影响。首先，是如何管理金钱。富人对金钱的管理是看重于有效性。富人在理财上有着明显的共同点，即消费不能超过收入，而积攒下来的钱要用于投资。如果一个人能够有效地管理自己的钱财，合理地节省并有效地投资，他的财富就会一点点增多，而善于管理钱财的人最后自然会比不善于管理钱财的人富有。

47. The famous American financial expert David Chilton believes that there are two major differences between the rich and the poor in terms of finance management, which have a profound impact on whether people can become wealthy. Firstly, it is about how to manage money. The rich emphasize the effectiveness of money management. The rich have a clear commonality in finance management, that is, consumption should not exceed income, and the money saved should be used for investment. If a person can manage his own money effectively, save rationally and invest effectively, his wealth will gradually increase. And those who are good at managing money will naturally become richer than those who are not good at it.