在财富积累的道路上，视野的拓宽与格局的提升，如同双翼，助力金钱的快速增长。本文将探讨二者之间的紧密联系，揭示财富增长背后的奥秘。

On the path to wealth accumulation, the broadening of horizons and the enhancement of one's perspective, like wings, help to accelerate the rapid growth of wealth. This article will explore the close connection between the two, and reveal the secrets behind the growth of wealth.

1. 我们周边很多人，有较理想的收入渠道。也就是创造财富的能力很强。但到一定的阶段，却没有剩下太多的财富，而且财富一直没有增长的趋势。主要是以下几种原因：

1. Many people around us have relatively ideal income channels, meaning they have a strong ability to create wealth. However, at a certain stage, they do not have much wealth left over, and there has been no trend of wealth growth. The main reasons are as follows:

2. 如果跟一个没什么价值的成为朋友，吃饭、聊天，这只会让有钱人感觉到浪费时间、蹉跎岁月，而同样的时间精力，他们本可以用来陪伴家人、提升工作业绩、疗养休闲等高回报的事情上。

2. If you become friends with someone of little value, spending time eating and chatting with them will only make the wealthy feel that their time is being wasted and their days squandered, while the same amount of time and energy could have been used for high-return activities such as spending time with family, improving work performance, and taking care of one's health and leisure.

3. 你如果在社会最底层，每天烂人烂事不断，一块钱都可能压弯你的脊梁，那你怎么谈格局。当你的钱多了，实力强了，格局自然就提升了。

3. If you are at the bottom of society, facing endless troubles and nastiness every day, even a single yuan can bend your backbone, then how can you talk about having a grand perspective? When you have more money and stronger capabilities, your grand perspective will naturally improve.

4. 俗话说“人无远虑，必有近忧”，目光短浅的人不仅难以富起来，还很容易给自己埋下很多隐患。因为他们会有意无意忽略掉一些不应该忽略掉的事情，并且这些隐患一旦爆发，穷人可能会越来越穷。

4. As the saying goes, "He who does not plan for the distant future will have worries close at hand." People with short-sightedness not only find it hard to become wealthy but also are prone to harboring many hidden dangers. They either intentionally or unintentionally overlook things that should not be neglected, and once these dangers erupt, the poor may become poorer and poorer.

5. 这个阿姨是土生土长的本地人了，家里有三层房子，位置也很好，城中村。一层和二层租给别人，三层自己住。每个月，这个阿姨收租有五六千块钱。

5. This aunt is a native of the local area, and her family has a three-story house in a good location, in a city village. The first and second floors are rented out to others, while the third floor is where she lives. Every month, this aunt earns rent of about 5,000 to 6,000 yuan.

6. 实力有多大，格局就有多大。

6. The greater the strength, the greater the vision.

7. 在大千世界里，没有谁应该低人一等，要学会相信自己、认可自己，做到自强自立。并且在人际交往中，学会找到主动权，善于用自己的眼光去看待别人，只有这样你才会慢慢具备富人眼光。

7. In the vast world, no one should be considered inferior. Learn to believe in yourself, recognize yourself, and strive for self-reliance. Moreover, in social interactions, learn to find the initiative, be skilled at viewing others with your own perspective. Only in this way will you gradually develop the眼光 (eyesight) of the wealthy.

8. =、学会理财。理财真的很重要，身边好多朋友，挣得很多，但不知钱去了哪里。理财要做计划的。

8. = Learn to manage finances. Financial management is really important. Many friends around me earn a lot of money, but they don't know where their money goes. Financial management requires planning.

9. 稻盛和夫曾说过：

9. Kazuo Inamori once said:

10. 有钱人的生活不用考虑温饱，温饱之外还能修身养性，这时候他们的眼光便会放到更加长远的地方。

10. The lives of the wealthy do not have to worry about food and clothing; beyond that, they can cultivate their bodies and minds. At this point, their gaze will shift to more distant horizons.

11. 20岁时，每个月投入100元用作投资，60岁时（假设每年有10%的投资回报），你会拥有63万。而三十岁时，再去同样的投入，就会拥有20万。四十岁时，只会拥有75万。50岁时，只会拥有2万。同样的投资回报率，为什么会有这么大的差距，就是因为时间复利的力量。

11. At the age of 20, investing 100 yuan each month would result in a total of 630,000 yuan by the age of 60, assuming a 10% annual return on investment. If you start the same investment at the age of 30, you would only have 200,000 yuan. By the age of 40, you would only have 750,000 yuan. At 50, you would only have 20,000 yuan. With the same rate of return on investment, why is there such a big gap? It's all because of the power of compound interest over time.

12. 重视时间复利的效应，会让我们对待财富问题，会有长期主义的思维。从这个角度去进行投资理财，是比较理智的行为。

12. Recognizing the effect of time compounded interest can lead us to approach wealth issues with a long-term perspective. From this perspective, engaging in investment and financial management is a relatively rational behavior.

13. 我们银行是一个小银行网点，最大的一个客户是一个阿姨，存了1300多万的定期一年。阿姨的这1300多万，就是她家的拆迁款。

13. Our bank is a small branch, and our largest customer is an auntie who has deposited over 13 million yuan in a one-year fixed-term deposit. This over 13 million yuan is the compensation money from the demolition of her family's house.

14. 像我们银行的这个客户李老板，本来就只是一个稍微有点钱的客户。可能在一些大城市里，存款一百多万都不算什么。但是他抓住了机遇，一年不到的时间就赚了一千多万，真的是成为中国顶尖的富翁行列了。

14. This customer of our bank, Mr. Li, was originally just a somewhat wealthy client. In some big cities, having a deposit of over one million may not seem like much. However, he seized the opportunity and in less than a year, he earned over ten million yuan, truly becoming a member of the top echelon of China's richest individuals.

15. 这样你就没有钱进行投资，也就是让投资的钱继续生钱。

15. This way, you have no money to invest, which is to let the money you invest continue to generate more money.

16. 一个富翁担心自己的千两黄金被偷走。就悄悄地藏在森林中。隔三差五会去看一看，摸一摸，会感到很满足很开心。有一天，他发现黄金不见了。一个路过的老者见他悲恸欲绝，问明缘由，说我有办法帮你把黄金找回来。老者把那块大石头刷成金**。在上头上写下“1000两黄金”。然后告诉富翁。从今天起你又可以跟以前一样，来这里开心地看你的黄金了。而且再也不用担心被人偷了。富翁听了半天说不出话来。

16. A rich man was worried that his 1,000 taels of gold would be stolen, so he secretly buried it in the forest. He would visit and touch it from time to time, feeling very satisfied and happy. One day, he discovered that the gold was missing. A passing elder saw him in despair and, upon learning the reason, said he had a way to help him retrieve the gold. The elder painted a large stone to look like gold and wrote "1,000 taels of gold" on the top. Then he told the rich man, "From today on, you can come here and enjoy looking at your gold as before, and you will never have to worry about it being stolen." The rich man was unable to speak for a while after hearing this.

17. 打个比方：

17. To put it another way:

18. 元的流通，每个人都不欠钱了，也就是说，实际效果是每个人都赚了

18. The circulation of the Yuan, where everyone is no longer in debt, which means that the actual effect is that everyone has made a profit.

19. 01 为什么要做投资理财

19.01 Why Do Investment and Financial Management?

20. 积极的人生就构筑于我们所做的一点一滴之上。

20. A positive life is built on the accumulation of our every little thing we do.

21. 当你成为一个身体魁梧的大人，小孩来打你，你会呵呵一笑，完全不以为意。

21. When you become a burly adult, if a child comes to hit you, you will chuckle softly and not take it to heart at all.

22. 当你的能力撑不起野心，先静下心来学习，知识改变命运，网络改变生活， 科技 改变世界，选择好方向和方法，赚钱像呼吸一样简单，但是前提是要努力工作！

22. When your abilities can't support your ambitions, first calm down and study. Knowledge changes destiny, the internet changes life, technology changes the world. Choose a good direction and method, and making money will be as simple as breathing, but the prerequisite is to work hard!

23. 他曾创办过信息网站“中国黄页”，虽然反响平平，但他积累了一定的创业经验，并继续开拓创业之路，于是在1999年阿里巴巴集团成立了，如今它已成长为一个电子商务帝国。

23. He once founded the information website "China Yellow Pages," which received average response, but he accumulated certain entrepreneurial experience from it. He continued to forge ahead on the path of entrepreneurship, and thus in 1999, the Alibaba Group was established, which has now grown into an e-commerce empire.

24. 否则，你无论怎么修炼格局，怎样构建上帝视角，都只是你的自以为是，沾沾自喜。

24. Otherwise, no matter how you cultivate your perspective, or how you construct a God's-eye view, it will all just be your own self-righteousness and self-satisfaction.

25. 只有投资理财才能抵御通货膨胀对财富的侵蚀。

25. Only through investment and financial management can the erosion of wealth caused by inflation be resisted.

26. 有位资产配置专业人士将中国式财富分为三个阶段。

26. A wealth allocation professional divides Chinese wealth into three stages.

27. 学习理财。

28. 理财知识需要学习，才能够避免理财的“坑”，做到合理规划财富的投资，才能够保证财富稳定的增长。

27. Learn about financial management. 28. Financial knowledge needs to be learned in order to avoid the "traps" of financial management, to properly plan the investment of wealth, and to ensure the steady growth of wealth.

29. 有志者，金钱自来 。生活中还有一类人，他们并不是为了挣钱而去做事情，而是为了更加崇高伟大的意义去做，他们并不会把挣钱看得很重要。可是金钱却往往会很眷顾他们，不请自来了，财富也随着名气和时间越来越多。

29. The ambitious will attract money naturally. There is also a type of person in life who does not do things for the sake of making money, but for a more noble and great purpose. They do not consider making money to be very important. However, money often tends to favor them, coming without being invited, and wealth also accumulates more and more with fame and time.

30. 创建“挣钱”的系统，让更多的人给你带来财富，或是有更多的财富源头。

31. 一个人永远比不上一群人的挣钱多少与速度，同样，单一的挣钱渠道也永远比不上多个挣钱模式的机会。越工作越认清了一个规律，打工的人挣钱路径，一般都是：

30. Create a "making money" system that brings wealth to you from more people, or has more sources of wealth. 31. One person can never earn as much or as quickly as a group of people, and similarly, a single source of income can never compare to the opportunities of multiple income models. The more I work, the more I recognize a pattern: the path to making money for those who work for others is generally:

32. 看到了吧，从第二个阶段开始，有投资理财理念的人群和没有理财概念的人群，未来将以几何速度拉大财富差距。

32. See, starting from the second stage, the wealth gap between those with investment and financial management concepts and those without such concepts will widen at a geometric rate in the future.

33. 一个人有创造财富的能力，也要有经营财富的能力。我们分析了让自己个人财富越来越多，可以从以下四个方面去考虑：持续的增加收入的能力。精打细算，较强的成本意识。重视时间复利的力量。让“钱生钱”是让财富越来越多的法宝。

33. A person should have the ability to create wealth as well as the ability to manage wealth. We have analyzed the following four aspects to consider in order to accumulate more personal wealth: the continuous ability to increase income, careful budgeting with a strong cost-consciousness, valuing the power of time compounding, and making "money multiply" the magic formula for increasing wealth.

34. 人生之中，没有穷和富的区别，因为每一个人都是平等的。每个人都要定义自己的幸福，因为富人的幸福，不等于你的幸福。快乐是什么？快乐就是你觉得快乐。

34. In life, there is no distinction between the rich and the poor, because everyone is equal. Each person must define their own happiness, because the happiness of the rich does not equal your happiness. What is joy? Joy is what you feel is joyful.

35. 富兰克林去世前，捐赠了两个城市各5000美元。他要求委托专家以每年5%的收益率进行投资。100年后可取出一半用于公共计划，剩下的继续以5%的年利息投资，200年后才可提领全部的余额。结果100年后，两座城市各提取到了30万美元。到了1991年，刚好两百年期满，两座城市提领了那笔款项。竟然分别得到了将近两千万美元。

35. Before Franklin's death, he donated $5,000 to each of two cities. He required that the trustees invest the money at a yield of 5% per year. After 100 years, half of the funds could be withdrawn for public projects, and the remaining amount would continue to be invested at a 5% annual interest rate, with the full balance only available for withdrawal after 200 years. As a result, 100 years later, each of the two cities was able to withdraw $300,000. By 1991, exactly 200 years had passed, and the two cities were able to withdraw the funds. To their surprise, they each received nearly $20 million.

36. 从某个角度来说，穷人对于有钱人的价值很小，因为如果一个人的经济基础较为薄弱，即说明他从事的是苦力劳动，眼界和思维没有任何超出常人的地方。

36. From a certain perspective, the value of the poor to the wealthy is small, because if a person's economic foundation is relatively weak, it indicates that he engages in hard labor, with neither vision nor thought that exceeds the ordinary.

37. 阶层的固化，导致彼此的感受无法相通，使得各自的形象变得扭曲，让有钱人越来越不喜欢和穷人打交道，穷人也不愿意和有钱人打交道。

37. The solidification of social classes leads to a lack of mutual understanding, causing each person's image to become distorted. It makes the wealthy increasingly dislike interacting with the poor, and the poor are also unwilling to interact with the wealthy.

38. 6，困难。富人面对困难的时候，永远都在想办法，认为办法比困难多。穷人面对困难的时候，永远都在无奈和抱怨，没有积极的行动。

38. 6, Difficulty. When the rich face difficulties, they are always looking for solutions, believing that there are more ways than difficulties. When the poor face difficulties, they are always feeling helpless and complaining, without taking any positive actions.

39. 《财富自由之路：你的第一本理财书》是专为尚处在中国式财富第一阶段的人群，提供专业投资理财帮助的一本浅显易懂，操作性强的实用类工具书。

39. "The Path to Wealth Freedom: Your First Finance Book" is a practical and easy-to-understand manual for tools that provide professional investment and financial management assistance, specifically designed for individuals who are still in the first phase of Chinese-style wealth.

40. 2，越累积，财富越多。开源节流财富才能越来越多，如果挣的钱越来越多，支出的钱越来越少，或者获取财富的增速超过支出的增速，那财富就会越来越多。只花钱，不挣钱，显然没法让财富越来越多。

40.2, The more it accumulates, the more wealth you have. Only by opening up sources of income and saving can wealth increase continuously. If you earn more money while spending less, or if the growth rate of wealth acquisition exceeds the growth rate of expenditure, wealth will increase. Clearly, spending money without earning any will not make wealth increase.

41. 所以有两个决定财富越来越多的因素，第一就是保证雪球不减小，第二就是持续的滚动。

41. Therefore, there are two factors that contribute to an ever-increasing wealth: the first is to ensure that the snowball does not shrink, and the second is to keep rolling continuously.

42. 改变观念，根据自身条件建立适合的财富格局。

43. 一个人拥有多少财富，怎样获得财富，以及让财富增长起来，都需要格局，而这种财富的格局是你自己专属的。 挣钱，靠的是我们的勤奋和努力，可是挣钱的速率，却取决于你挣钱的方式！ 人生讲究境界，赚钱、存钱、理财的合理运用才能够让财富越来越多，也需要讲究境界。

42. Change your mindset and establish an appropriate wealth structure based on your own conditions. 43. How much wealth a person possesses, how they acquire wealth, and how to make wealth grow all require a certain vision, and this vision of wealth is uniquely yours. Earning money depends on our diligence and effort, but the speed at which you earn money depends on the way you earn it! Life values levels of accomplishment, and the reasonable application of earning, saving, and managing money is what allows wealth to accumulate more and more, and it also requires a certain level of accomplishment.

44. 我家境并不好，我妈整天省吃俭用，觉得可以省一些，但她在省的过程中丧失了很多，比如自身的一些方面，导致影响了孩子的自信。然而家境还是那个状况。（当然了，这是因为孩子还没有独立生活，为我们着想，我理解，现在我妈好多了）但是，我认为在财富方面钱是省出来的，这个观念是错的，是大把大把挣回来的。举个简单的例子：在我上大学的时候，去上课，我起床晚了，但我认为我走路很快，可以赶上来，但很难超越比我快那么三分钟以上的人。

44. My family is not well-off; my mother constantly saves on food and expenses, thinking she can save some money, but in the process of saving, she has lost a lot, such as some aspects of herself, which has affected the child's confidence. However, the family's situation is still the same. (Of course, this is because the child has not become independent and is thinking about us; I understand that my mother is much better now.) But I think that wealth is earned, not saved; this idea is wrong and money is earned in large quantities. To give a simple example: when I was in college and went to class, I woke up late, but I thought I walked fast enough to catch up, but it was difficult to overtake someone who was three minutes faster than me.

45. 单一的收入渠道，很难具有固定性，持续性。除非一些稳定的上班人群。但收入是会受到局限的。也是很难获取更多的财富。一般财富增长快的人，都是有多渠道收入的人群。这也是为什么越来越多的人，从事兼职的原因。

45. A single income source is often difficult to maintain stability and sustainability, unless it belongs to a group of stable salaried individuals. However, the income will be limited. It is also hard to accumulate more wealth. Generally, those who experience rapid wealth growth tend to have multiple income sources. This is also why an increasing number of people are engaging in part-time work.

46. 一个人的格局不是凭空诞生的，也不是努力修炼就可以获得的，而是有自己的实力撑起来的。

46. A person's character and ability are not born out of thin air, nor can they be achieved solely through effort and cultivation; rather, they are supported by one's own strength.

47. 要想财富增值，也是可以理解要持续的盈利。就需要有较强的成本意识。每一次的投资行为，每一次的个人生活决策，每一次支出，都要有一定的成本意识。特别是对于一些靠做生意创业，获取财富来源的群体。更需要有较强的成本意识。因为收入与支出的平衡关系，才是决定是否能够创造财富，财富是否能够持续增值的关键。

47. It is understandable that for wealth to increase, one needs to sustain profitability. This requires a strong sense of cost awareness. Every investment action, every personal life decision, and every expenditure should have a certain level of cost consciousness. Especially for those who rely on business ventures to create wealth, a strong sense of cost awareness is even more crucial. Because the balance between income and expenditure is the key factor in determining whether wealth can be created and whether it can sustainably increase.

48. 穷人经过一番努力所能得到的高度，很可能是一些人的起点，但是不可能每个人的高度都变得一样，所以穷人在达到属于他的那个高度之后，也就停止跨越了。

48. The height that a poor person can achieve through efforts may likely be the starting point for some, but it is impossible for everyone to reach the same height. Therefore, after the poor person reaches the height that belongs to him, he will stop striving further.

49. 行动起来，开启实现财富梦想的旅程，千里之行，始于足下。

49. Take action and embark on the journey to realize your wealth dreams. A thousand miles begin with a single step.

50. 元钞票放在柜台，说想先看看房间，挑一间合适的房间过夜，就在此人上楼的时候。

50. The Yuan banknotes were placed on the counter, and the person said they wanted to look at the rooms first, pick a suitable room to stay overnight, just as this person was going up the stairs.

51. 阶层的跨越是艰难的，唯有相互学习，消除环境所带来的不利影响，才能实现真正的跨越。也许穷人一辈子都很难摆脱穷的观念，但可以在自己的圈子里实现一小步的跨越。

51. Crossing social classes is difficult, and only through mutual learning and eliminating the adverse effects brought by the environment can we achieve real progress. Perhaps the poor may find it hard to shake off the concept of poverty throughout their lives, but they can still achieve a small step of progress within their own circle.

52. 由此看来，有钱人不喜欢和穷人打交道，是遵循他们的交友原则，即无法为他们带来事业上的价值和真心的帮助。

52. It appears that the wealthy do not like to associate with the poor, as it is in accordance with their principles of friendship, which is that they cannot bring them any career value or sincere help.

53. 一个人的实力是“物质”或“物质基础”，而他的认知水平是“意识”或“上层建筑”。

53. A person's strength is the "material" or "material foundation," while their level of cognition is the "consciousness" or "superstructure."

54. 人活着要明白，一个人想要发财致富，光靠赚钱是不行的，还得学会存钱， 存到了钱，才能说明你赚到了钱 ，没存到钱，你赚再多的钱，又有什么意义呢？

54. It is clear that in order to become wealthy, one cannot rely solely on earning money; one must also learn to save. Only when you have saved money can you truly say that you have earned it. What is the point of earning a lot of money if you don't save any?

55. 从这个角度，我们可以理解财富是我们个人的净利润。成本控制的越合理，我们的财富才会越来越多。

55. From this perspective, we can understand that wealth is our personal net profit. The more reasonable the cost control, the more our wealth will accumulate.

56. 适当利用融资杠杆，会有助于财富增长。

57. 有些人害怕向银行借钱，怕担风险，甚至认为借钱是不光彩的事情，但是银行愿意借钱给你，说明你拥有一定的财富。可是，合理使用融资杠杆会让你办事情更快，获得财富更快。比如说买房，A君和B君一样的工资收入5000，A君说要存钱买房，省吃俭用每个月存3000，十年后只能勉强在郊区拥有一套30平方左右的房子，买房后没有存款了。而B君也是每月存3000，五年后给了首付，贷款买了一套90平方的房子，再等五等，那套房子也升值了，就算卖掉，手里也拥有一大笔钱。

56. Appropriately utilizing financing leverage can help in wealth growth. 57. Some people are afraid to borrow money from banks, fearing risks, and even consider borrowing as an ungraceful act. However, the fact that banks are willing to lend you money indicates that you possess a certain level of wealth. Yet, reasonable use of financing leverage can make things happen faster and wealth accumulate more rapidly. For instance, consider two individuals, A and B, with the same salary income of 5000. A decides to save money for a house, living a frugal life and saving 3000 every month. After ten years, A can only just manage to own a 30-square-meter house in the suburbs, and there is no savings left after buying the house. On the other hand, B also saves 3000 every month, pays the down payment after five years, and takes out a loan to buy a 90-square-meter house. After waiting for another five years, the house also appreciates in value. Even if sold, B still ends up with a substantial amount of money in hand.

58. 想做一个大格局的人，必须先成为一个赚大钱的人。

58. To become a person of great vision, one must first become a person who makes a lot of money.

59. 因为生活环境的不同，对很多事情的看法也不同。日常交流或许可以，当上升到深刻的问题时，有钱人和穷人的观点往往背道而驰。

59. Because of the differences in living environments, there are also differences in opinions on many things. Daily communication may be possible, but when it comes to profound issues, the views of the rich and the poor often run counter to each other.

60. 1，三观的区别。三观是世界观、人生观、价值观，三观是人与人之间的最大区别，三观决定自己如何看待世界。

60. 1, The Difference between Three Views. The three views refer to world view, life view, and value view. The three views are the biggest difference between people, and they determine how one views the world.

61. 生活很残酷，现实又很残忍，从毕业进入 社会 工作，只靠工资的收入来源，我们大多数人只能够维持温饱，而不能存下钱来，每一个人生阶段都需要大花费，房贷、车贷、孩子上学、赡养老人，日常生活开销等。只靠工资来源支撑的家庭，只要不负债，就相当成功了。如果家庭是靠工资收入这个唯一的来源，家庭经济风险也会随之增加。

61. Life is cruel, and reality is ruthless. From graduation and entering the workforce, relying solely on salary as the source of income, most of us can only afford to live from day to day, without being able to save any money. Every stage of life requires significant expenses, such as mortgages, car loans, children's education, supporting the elderly, and daily living expenses. A family that depends solely on the salary as its source of income is considered quite successful as long as it is not in debt. If a family relies on the sole source of income from wages, the economic risks associated with the family will also increase.

62. 这些叔叔阿姨有很多人选择在我们银行存钱，他们存钱的总金额都是在50万――200万之间。

62. Many people choose to deposit money in our bank, and the total amount of money they deposit ranges between 500,000 and 2,000,000 yuan.

63. 有个阿姨，在我们银行存了有将近两百万的定期。她和老伴，在菜场了卖菜了几十年。这两百万都是他们两口子这些年慢慢的积累起来的，是他们半辈子的血汗钱。

63. There was an aunt who had nearly two million yuan in fixed deposits in our bank. She and her husband had been selling vegetables at the market for decades. These two million yuan were slowly accumulated over the years by the couple, representing half a lifetime of their sweat and toil.

64. 穷人做事情习惯在意他人的眼光，相当于把自己放在一个被动和尴尬的位置上。然而一旦你的所见所闻都是别人对你的判断，长期下来你就会把自己束缚在一个特定的角色里，你的人生也就很难拥有一个大的格局。

64. The poor are accustomed to paying attention to others' opinions when doing things, which is equivalent to placing themselves in a passive and embarrassing position. However, once what you see and hear are all others' judgments about you, over a long period of time, you will束缚 yourself to a specific role, and it will be difficult for your life to have a large scope.

65. 根本的原因，就是本金不够，挣到的钱往往还没有消费的钱多。

65. The fundamental reason is that the principal is not enough; often the money earned is not as much as the money spent.

66. 一般财富比较稳定的人，也一定是有固定收入的人群。也就是每一个时间周期，都会有固定的收入。比如上班族，公务员等。每个月都会有稳定的收入来源。或者一些有稳定投资收益的，也会在规定的时间周期，获取固定的收入。

66. People who generally have a stable wealth are also those with fixed incomes. That is, they will have a fixed income at every time period. For example, office workers, civil servants, etc., will have a stable source of income every month. Or some individuals with stable investment returns will also obtain a fixed income at predetermined time periods.

67. 这个过程，看似最重要的是收入（可能工资占了大头）增加，实则不然。关键是能不能建立“赚钱的系统”。这个系统，说白了就是：八小时之内赚工资，八小时之外赚投资。

67. This process, although it may seem that the most important factor is an increase in income (perhaps with wages accounting for the majority), it is actually not the case. The key is whether or not you can establish a "system for making money." Put simply, this system means: earning a salary within the eight hours, and earning through investments outside the eight hours.

68. 我有个很熟悉的客户，今年有快四十岁了。他在老家那边开了个小厂，做小生意的。 因为很熟悉，所以每次他来银行存钱，我们都喊他李老板。

68. I have a very familiar customer who is almost forty years old this year. He runs a small factory in his hometown, doing small-scale business. Because of our familiarity, whenever he comes to the bank to deposit money, we call him Mr. Li.

69. 永远不要把没有钱存当成借口，要做到自律有计划地存钱。

70. 小李是公司的一名普通员工，每个月工资大约5000元，时常抱怨工资低、存不上钱想换工作。他每个月的工资都花在房租、吃饭、交通费等基本开支上面，还需要日常的交际费用，偶尔买新衣服以及兴趣用品，这样算下来一个月的工资基本没有多少，有个别的月份还需要透支下一个月的工资。

69. Never use the excuse of not having savings. Strive to be disciplined and plan for savings. 70. Xiao Li is an ordinary employee at the company, earning about 5,000 yuan per month. He often complains about his low salary, not being able to save money, and wanting to change jobs. He spends his monthly salary on basic expenses such as rent, food, and transportation, and also needs daily socializing expenses. Occasionally, he buys new clothes and items for his hobbies, which leaves his monthly salary quite low. Sometimes, he even needs to overdraw his next month's salary.

71. 生活需要精打细算，财富才会有越来越增值的希望。

71. Life requires careful budgeting; only then will there be hope for wealth to increase continuously.

72. 获得持续的投资能力，财富自然就会越变越多。

72. Achieve sustained investment capability, and wealth will naturally grow.

73. 第三个阶段是躺赢阶段。也就是通常所说的财富自由。到了这个阶段，维持一定质量生活的成本，不再需要进行任何的劳动和经营。在没有收入的情况下，通过资产的回报就能实现覆盖。只要拥有资产配置的能力，进行正确的投资，完全有可能年纪轻轻就实现财富自由。

73. The third stage is the "win by lying" stage, which is commonly referred to as financial freedom. At this stage, the cost of maintaining a certain quality of life no longer requires any labor or business operations. Without any income, the return on assets can cover the expenses. As long as one has the ability to allocate assets and make correct investments, it is completely possible to achieve financial freedom at a young age.

74. 阿姨家拆迁，她要了一套房子，然后加1300多万的现金。因为家里就一个女儿，老伴我不在了，她说这钱先存起来，等她老了以后都给曾孙子孙女。

74. Auntie's house was demolished, and she took a house and added more than 13 million yuan in cash. Since there's only one daughter in the family and my partner is no longer here, she said she would save this money first and give it all to her grandchildren and great-grandchildren when she gets old.

75. 元 ，

75. Yuan.

76. 我们普通人，只能靠不断的积累，才能增加自己的财富。存一百万，很难。存一万，很容易。我们只需要存一百个一万，就可以累积到一百万。这就是时间的力量，积累的力量。

76. Ordinary people like us can only increase our wealth through continuous accumulation. Saving one million is difficult, while saving ten thousand is easy. We only need to save one hundred ten-thousand units to accumulate to one million. This is the power of time, the power of accumulation.