75.Don’t live on our children and grandchildren’s expense. Don’t use our future generations as collateral.
75. 不消費子孫，不將下一代作抵押品
導向成功的金玉良言 --- 成功秘碼50 條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
Americans have to pay back interest on the national debt. It’s equivalent to using our future generations as collateral.
「美國人要為國債繳付利息，等於將下一代作抵押。」
People of prior generations incur national debt freely, while future generations are required to pay back the principle with interest. This is no different from using our children as collateral, assaulting our future generations.
「上一代人發行國債，卻要下一代人為國債繳付本金與利息，這等於是將下一代子孫作抵押，強姦下一代人。」
A man’s value cannot be measured by his wealth but by the social contributions he has made.
「人的貴賤不應以其所擁有的財富來衡量，而應以其對社會貢獻的大小來衡量。」
One of the main reasons that caused the real estate market crash is the ability to buy a house with no down payment.
「不用頭款也能買到房子，這是造成房價崩跌的主因之一。」
One of the reasons that caused the financial storm is Wall Street’s unbridled greed that strained the nation’s financial leverage.
「華爾街的貪婪不自制，過度操作財務槓桿，這是造成金融風暴發生的原因之一。」
Fending off an outside thieve is easy; fending off an inside thieve is hard. The management problems of the banking industry created the financial storm whose repercussions swept through the world.
「外賊易防，家賊難防。銀行內部出了管理問題，引發了金融風暴，它的禍害遍及到全世界。」
The economic recession, mass layoffs, the high unemployment rate, and delinquencies in mortgage payments all led to the decline in real estate.
「景氣不好，公司裁員，員工失業，個人拖欠房貸情形嚴重，這些都是造成房地產衰退的原因之一。」
Due to the severe trauma sustained by the financial sector, the economic recovery will take much longer this time around.
「因為金融業內傷嚴重，所以這次經濟復甦的時間會拖的比較長久。」
We are now living in a global village. Policies based on traditional trade protectionism that creates economic isolation are no longer applicable.
「現在已是一個地球村的世界，傳統的貿易保護主義的鎖國政策己行不通了。」
Each country’s trade protectionism will only lead to the demise of its own economy and that of the world. It will cause the world economy to falter and decline.
10*「各國的貿易保護主義，最終只會害死本國經濟與世界經濟，這將使世界經濟走上回頭路。」
The field of environmental and biomedical technology will bring new business opportunities and hope to mankind.
「環保與生醫科技，必定帶給人類新商機、新希望。」
Every crisis is an opportunity. With faith, you can turn crisis into opportunity, into a new fountain of life.
「危機就是轉機，只要有信心，危機就是機會，危機就是求生的新活泉。」
I believe with confidence that my future will be even brighter and more beautiful.
「我對未來具有信心，我相信我的未來會比現在更美好、更光明。」
I will overcome today’s challenges and take on tomorrow with absolute confidence.
「面對現在的困難，我肯定會努力克服，面對將來我絕對有信心。」
As long as you’ve learned how to invest and manage money, you need not be afraid of inflation. Your best defense against inflation is to hold plenty of gold and real estate property.
「只要你學會了投資理財，你就不怕通貨膨脹的發生。通貨膨脹的剋星，就是你個人握有足夠的黃金及房地產。」
Inflation is not a man-eating monster. Only those ignorant of investing and money management would see a monster in it.
「通貨膨脹不是什麼吃人的惡魔。只有不懂投資理財的人，才會碰到惡魔。」
Although the economic recovery has a long way to go, we shouldn’t wait idly for it to slowly unroll. We must proactively create growth to stimulate a rapid recovery.
「雖然經濟復甦還有一段路要走，但是我們不能去等待它，讓它慢慢地復甦，相反地，我們要積極地去創造生機，讓它迅速復甦。」
The harshest and most dire economic period may nearly be over. The question is, did you capture the opportunity of this economic revival.
「經濟最危險、最嚴重的時期可能即將過去，但問題是，你有把握住這次經濟反轉的機會沒有？」
There’s an opportunity of an economic revival that you must capitalize on to create new business and wealth.
「你要把握這個經濟景氣即將由負轉正的機會，去創造新商機、新財富。」
We can’t borrow endlessly from other nations and leave our debt to future generations.
20*「我們不能無止境的向他國借貸，卻債留子孫。」
The prior generations spent borrowed money, only to leave their debt to later generations. This kind of action is no different from trafficking children.
「上一代只知借錢來花費，卻債留子孫，政府這種作法與拐賣孩子無異。」
A country should avoid borrowing money for its national expenditures. Individuals should also avoid borrowing money for personal spending.
「國家要避免借錢來花費，個人也要避免借錢來消費。」
Ignorance in personal financial management can lead to individual bankruptcy. Ignorance in national financial management can lead to national bankruptcy. These disasters will impact future generations.
「個人不會理財會導至個人破產，國家不會理財也會導至國家破產，災禍波及至下一代。」
Debt incurs interest, interest incurs more debt. In the end, our children are left to deal with all our debt.
「借債要付利息，然後債務愈滾愈多，最後債留子孫。」
The government and it people must be responsible for their own actions. Money borrowed must be returned. You must live within your means.
「政府與民眾必須為自己的行為負責，借錢是要還的，你必須量力而為。」
Children are not the parents’ property. Yet there are some bad parents in this world who willfully throw their children to the wolves as collateral.
「孩子不是父母個人的財產，但世界上就是有些壞的父母，故意將孩子賣入火坑作抵押品。」
A government that recklessly issues bonds is no different from traffickers that kidnap and sell children. A central bank that recklessly prints new bills is no different from bad parents that throw their children to the wolves.
「胡亂發行公債的政府就是拐賣孩童的人口販子。胡亂印鈔票的中央銀行就是把孩子推入火坑的壞父母。」
While the government issuing bonds may seem like a normal thing to do, but if this leaves our debt to future generations, then it will have disastrous consequences.
「政府發行公債，看似是一件正常的事，但如果是債留子孫，那就是一件禍國殃民的大事了。」
If child abuse is wrong then we must restrict the government from issuing more bonds and printing more bills. We would rather work a little harder and pay a bit more taxes than to leave our debt to our future descendents.
「如果凌虐孩子是錯的，我們就要拒絕發行公債、與亂印鈔票的行為。情願上代多辛苦些、多繳稅，也不要把債留給子子孫孫。」
You will enjoy health and longevity, if you develop good lifestyle habits.
30*「如果從小就能養成良好的生活習慣，你就能健康長壽。」
You will have fortune and happiness, if you develop good money management habits from childhood.
「如果從小就能養成良好的理財習慣，你就能福祿雙全。」
Spending on credit is the worst kind of money habit, and yet the US government is notorious for spending beyond its means, leaving debt to future generations.
「借錢消費是最壞的理財惡習，偏偏美國政府就是愛打腫臉充英雄、借錢過日子，債留子孫。」
More exercise, less salt, less sugar, less oil, and less fats is the way to reduce obesity, reduce illness, and reduce our social burden.
「多運動、少鹽、少糖、少油、少脂肪，這就可以減少胖子的產生，減少生病，減少社會負擔。」
Working more, earning more, borrowing less, cutting interest, cutting credit card spending, and cutting consumption will enable you to reduce debt for yourself and your descendent.
「多上班多賺錢、少借貸、少付利息、少刷卡、少消費，這就可以減少債務的產生，減少債留自己，減少債留子孫。」
Printing more currency cannot save the economy. Mass issuing of bonds will only pass our debt on to future generations.
「只憑央行大量印鈔票並不能起到拯救經濟的目的，大量發行公債只會債留子孫。」
If you love your children then don’t live on their expense. You live on the expense of future generations by passing on your debt to them.
「愛子女就不要消費子女，債留子孫就是在消費子孫。」
If you love your children then don’t pass your debt on to them. If you love your citizens, then don’t borrow money from foreign governments.
「愛子女就不要債留子孫。愛國民就不要向外國政府借錢。」
If you love your children then don’t live on their expense. You live on the expense of future generations by passing on your debt to them.
「愛子女就不要消費子女，債留子孫就是在消費子孫。」
People depend on welfare, passing debt to the government. The government issues bonds, passing debt to the future generations. These are all inappropriate behaviors that must be corrected.
「老百姓依賴救濟金，債留政府。政府發行債券，債留子孫，這些都是錯誤的行為，必須加以更正。」
You must remember to never buy a house with zero down—the dumbest way to buy property.
40*「千萬要記得，不可再用零頭款的笨方法去買房子。」
You must remember that pretending to be rich, living on borrowed money, means you’re leaving debt to your children and grandchildren.
「千萬要記得，打腫臉充胖子、借錢過日子就是在債留子孫。」
Unless you remain optimistic, otherwise you will completely alienate yourself from society and find it difficult to survive. As long as you can uncover your potential, you’re bound to find success.
「除非你對未來抱持樂觀態度，否則你將完全脫離社會難以生存，只要你能夠發掘出自己潛力，必定有成功的機會。」
If you can’t find a job after graduating, it’s not society’s fault. The problem lies in your lack of effort in learning, good work ethics, and professional skills.
「畢業後找不到工作，這不是社會的問題，這是你學習不努力，個人敬業精神與專業技術有問題所造成的。」
Graduation is the beginning of your life. As you walk out of campus, into society, you’ll find the best opportunity/stage for you to apply your knowledge and talent, and give back to society.
「畢業就是人生奮鬥的開始。走出校園，進入社會，這就是你發揮才智、回饋社會的最好機會 / 舞臺。」
Don’t evaluate your worth based on your income. Evaluate your worth based on the contributions you’ve made to society.
「不要用薪水高低，來衡量自己的價值，而是要用你對社會貢獻的大小，來衡量自己的價值。」
Poverty does not make you poor if you have integrity. What makes you poor is pretending to be rich while leaving debt to your children.
「窮的有骨氣，並不是真窮。打腫臉充胖子，債留子孫，才是真窮。」
Parents that leave debt to their children are bad parents. Governments that issue bonds freely are bad governments.
「債留子孫的人是壞父母。胡亂發行公債的政府是壞政府。」
A person’s worth should not be evaluated based on the riches he possesses, but on the contributions he has made to society.
「人的貴賤不應以其所擁有的財富來衡量，而應以其對社會貢獻的大小來衡量。」
Fully extend your expertise, positively play your part in society, and make proactive contributions to society and your country.
「盡力發揮您的專才，正面的演好你的社會角色，並對國家與社會做出積極的貢獻。」
To not issue more bonds, live on our future generations’ expense, nor use your children as collateral, you must proactively play your part in society. Discover your financial potential, work more, make more money, and pay more taxes.
50*「不發行國債，不消費子孫，不將下一代作抵押品，你就要積極正面地扮演好你的社會角色。發掘出自己理財潛能，多工作、多賺錢、多繳稅。」
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