Becoming Wealthy: It's Up to You
致富取決于你自己
1.Critics often speak of “the rich” with none-too-subtle disdain, as if those at the very top of the income ladder are all dishonest people or as if becoming rich is difficult and means others must become poorer. While we would be the first to admit that some rich people are dishonest, we must add that achieving the status of “the rich” （defined, say, by having a net worth of $1,000,000） is not particularly difficult, contrary to popular wisdom. The rules for acquiring substantial wealth are few, simple. This fact suggests that becoming rich for most Americans is a matter of choice.
1、評(píng)論家們一說(shuō)起富人往往帶有明顯的蔑視。就好象收入高的層次的人們都是狡詐之人，或者意味著成為富有階層不容易而且其他人（誠(chéng)實(shí)之人）一定不如他們富有。首先我們承認(rèn)有些富人不誠(chéng)實(shí)，但我們必須補(bǔ)充一點(diǎn)：與普遍的認(rèn)識(shí)相反，達(dá)到富人階層（它的概念應(yīng)該是凈收入一百萬(wàn)美元）并不是特別難。獲取可觀財(cái)富的規(guī)則只有幾條，而且簡(jiǎn)單。這就意味著對(duì)于大多數(shù)美國(guó)人來(lái)說(shuō)想不想變富是一個(gè)選擇的問(wèn)題。
2. One of the rules for being rich is to avoid frivolous temptations. That is easier said than done, and we do not necessarily recommend that all people should lead a pure and joyless life. We mean only to point out that the great majority of those four percent of Americans who have $1,000,000 in net worth get to where they are because they control their pleasures. For example, rich Americans buy cars that are on average only slightly more expensive than those less wealthy Americans buy.
2、變?yōu)楦挥械牡谝粋�(gè)規(guī)則是避免無(wú)重要意義的誘惑。說(shuō)起來(lái)容易做起來(lái)難，而且我們也無(wú)意建議所有人都該過(guò)著平淡無(wú)味的生活。我們只是想指出那些占美國(guó)人口百分之四的凈收入達(dá)一百萬(wàn)美元的大多數(shù)人之所以達(dá)到今天的富有就是因?yàn)樗麄兛酥屏俗约旱南順�。例如，富有的美�?guó)人買的汽車平均來(lái)講只是略好于那些不太富有的人的汽車。
3. Being able to save and accumulate considerable wealth is not automatic. People must have a reasonable income in order to save amounts that will make for wealth, which requires several auxiliary rules for achieving an income level that will allow for a minimum saving level. For most—those without the requisite luck, inheritance, special talents, or good ideas—becoming rich means getting an education. Few people who drop out of high school will be rich. The income of high school dropouts is about two-thirds that of Americans with a high school diploma.
3、能夠節(jié)省和積累可觀的財(cái)富不是自動(dòng)的。要想省一定量的錢來(lái)足以積累成為財(cái)富，人們必須有適當(dāng)?shù)氖杖�。為達(dá)到能夠允許最低節(jié)省錢的收入水平還需要幾個(gè)輔助規(guī)則。對(duì)大多數(shù)沒有必要的運(yùn)氣、繼承的財(cái)產(chǎn)、特殊的天才或好想法的人們成為富有就意味著受教育。高中就輟學(xué)的人很少變?yōu)楦挥械�。高中輟學(xué)人的收入是擁有高中畢業(yè)文憑的人收入的三分之二。
4. To have a good chance at being rich, though, most individuals （aside for the lucky ones） will need at least a college education, which just about will double their incomes over what they would have earned with only a high school diploma. A professional degree will result in an average annual income of about twice that of college graduates （or six times the income of a high school dropout）. This means that those who invest in education do not have to save as high a percentage of income to become rich at retirement. However, in all probability, educated Americans Will be richer at retirement simply because they will be able to save more along the way and because they are likely to be smarter and can achieve a higher rate of return on their savings.
4、但是要想有好機(jī)會(huì)變富有大多數(shù)（除了幸運(yùn)的）至少需要受到大學(xué)教育，與只有高中文憑的相比，大學(xué)的教育可使他們的收入翻一翻。大學(xué)以上的學(xué)歷會(huì)導(dǎo)致比大學(xué)畢業(yè)的年平均收入增加一倍（或是高中輟學(xué)人的六倍）。這就意味著在教育上投資的人要想在退休時(shí)致富不必節(jié)省同樣高比例的收入。但是極為可能的是受過(guò)良好教育的美國(guó)人之所以在退休時(shí)更富有是因?yàn)樗麄冊(cè)谶^(guò)去的歲月里積攢得更多，而且他們可能更明智，獲取更高的存款的投資回報(bào)率。
5. The first auxiliary rule for becoming rich is to stay in school or, if out of school, go back to it. Of course, to stay in school is not enough and they will learn something worth the time and effort. It never has been easier to get an education. Public schools are free for the taking. College costs have been rising steadily relative to family income level for more than a decade. However, the rate of return on a college education has been rising as well, making the investment a good deal. Meanwhile, the cost of self-education has fallen with the multitude of sources of knowledge and information available on CD-ROMs and the Internet.
5、致富的第一條輔助規(guī)則是堅(jiān)持修完學(xué)業(yè)，即使走出了校門也要回去。當(dāng)然留在學(xué)校還不夠，還要學(xué)習(xí)一些值得學(xué)習(xí)的知識(shí)。歷來(lái)受教育都不是容易的事情。上公立中學(xué)免學(xué)費(fèi)。十幾年來(lái)，相對(duì)于家庭收入水平，上大學(xué)的費(fèi)用一直在穩(wěn)步上升。然而，高等教育的回報(bào)率也在上升，這使得投資劃算，成為很好的交易。同時(shí)，由于從CD-ROM和互聯(lián)網(wǎng)上可獲取大量的知識(shí)和信息，自學(xué)的費(fèi)用已經(jīng)降低。
6. The second auxiliary rule for becoming rich is to pick your education carefully. Teachers will find getting rich tougher than engineers, given that the former can expect to earn half as much over their careers. History and music professors can expect to earn less than accounting professors. For that matter, history and music professors can expect to earn a lot less than their students who major in business.
6、致富的第二條輔助規(guī)則是要精心地選好所受的教育�？紤]到在工作期間教師的工薪預(yù)期是工程師的二分之一，前者致富要更難。教歷史和音樂的教授預(yù)期要比會(huì)計(jì)學(xué)教授薪水少。正因?yàn)槿绱耍瑲v史和音樂教授預(yù)期要比他們的專業(yè)為商業(yè)的學(xué)生薪水少得多。
7. The third auxiliary rule for becoming rich is to marry someone with an equal or higher education, and then stay married. By itself, marriage seems to provide a stable institutional setting that promotes greater earnings, which affords greater savings. Married couples not only earn more than non-married people, they tend to economize on the costs of running their households, allowing them to save and invest at higher rate. Moreover, the binding legal contracts at the foundation of marriages, which reflect their personal commitments to each other, give the couple an added economic incentive to invest in the joint assets of the union.
7、第三條致富的輔助規(guī)則是與受教育水平和你相等或高于你的人結(jié)婚，然后保持婚姻狀態(tài)�；橐霰旧硭坪跆峁┮粋�(gè)穩(wěn)定的處所，穩(wěn)定的處所又能促進(jìn)掙更多的錢，從更多的錢中抽得出更多的存款。結(jié)婚的夫妻不僅比不結(jié)婚的掙得多，而且在家庭運(yùn)轉(zhuǎn)的支出中，他們往往節(jié)省，使得他們省下錢來(lái)并以更高的回報(bào)投資。而且建立婚姻時(shí)有約束力的合法契約表現(xiàn)了他們對(duì)彼此的承諾，在經(jīng)濟(jì)上給雙方增加了向聯(lián)盟共同財(cái)產(chǎn)投資的動(dòng)力。
8. The fourth auxiliary rule is to be able to work and save for a long time. Alcoholics and drug addicts who are not yet rich are unlikely candidates for becoming so. They will be unable to work long and hard enough to earn the requisite incomes, and their careers will be full of instability, if they can even have careers. Most will drink, inject, or smoke up whatever incomes they earn; their suppliers undoubtedly will get rich at the expense of their customers—the addicts.
8、第四條輔助規(guī)則是有能力工作而且長(zhǎng)時(shí)間積累。還未致富的嗜酒者和吸毒者不太可能變?yōu)楦挥�。他們不能長(zhǎng)久地工作而且難以掙回基本的收入，而且即使有職業(yè)他們的工作會(huì)不穩(wěn)定。大多數(shù)人會(huì)酗酒、注射毒品、或把他們掙來(lái)的收入吸毒用盡。提供給他們毒品的人將以顧客—吸毒成隱者為代價(jià)而發(fā)財(cái)。
9. From our perspective, becoming rich is really a matter of choice. Opportunity to do so abound. Of course, recognizing that you can choose to become rich does not mean that you should. As we have noted, choosing to become rich requires sacrifices that many people quite rationally have chosen not to make. One can lead a life rich in satisfaction and accomplishment without becoming rich financially, and nothing we have written here is meant to suggest otherwise.
9、在我們看來(lái)，致富的確是選擇的問(wèn)題。機(jī)會(huì)到處存在。當(dāng)然意識(shí)到可以選擇致富并不意味著應(yīng)該致富。正象我們所見，選擇致富需要犧牲，很多人很理智地不選擇發(fā)財(cái)。一個(gè)人雖然金錢上不富有，但可以生活得滿意而有成就。本篇所寫的內(nèi)容無(wú)意提相反建議。
