76.   US’s Social Security and Medicare crisis will threaten your retirement life.
76.  美國社安保險與醫療保險的危機，將威脅到您的退休生活

導向成功的金玉良言 ---  成功秘碼33 條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。

To be prepared in the event that your own children don’t take care of you, find yourself a number of renters (Godsons and Goddaughters).
「多培養幾個房客(乾兒子乾女兒 )，是預防親生子女不孝順時的一種預備。」

You need a spare tire on your car when you drive.  By the same token, you need a backup plan in case your own children don’t take care of you, so you can ensure that your golden years will be peaceful and worry-free.
「開汽車時你需要有一個備胎。預防親生子女不孝順時，你也要有備用方案，這樣才能保證你晚年生活安穩無憂。」

The only defense against a penniless government is to own multiple rental properties that have zero liabilities (have a positive net income).
「能夠擁有多幢出租的房子，且能達到零負債(淨收入)的境界 ，這是抵抗政府沒有錢的唯一方法。」

Be frugal in your spending.  Don’t spend money that you can save.  But don’t save money if you can invest it in real estate.
「花錢要有節制。平時可以節省下來的錢，絕對不花。用來投資房地產的錢，絕對不省。」

You must solve any and all debt problems promptly.  If you ignore the gravity of the situation and delay the solution, you’ll make the damage even worse.
「面對債務問題，要迅速處理，不要延誤。如果拖延不決、無視問題的嚴重性，那只會使傷害更加地嚴重。」

You can’t solely rely on the government for your retirement funds because the government is having money problems, too.
「退休以後的生活費來源不可完全依賴政府，因為政府也在鬧窮。」

The government belongs to large enterprises, not to the mere commoners.  It’s the large enterprises that can dictate government actions—something mere commoners cannot do.
「政府是大企業家的政府。政府不是小市民的政府。」指揮政府做事的是大企業家，個別的小市民是指揮不動政府來替你做事的。」

If you are unwilling to double your tax payments, then don’t expect the government to have money.
「如果你不願意稅捐加倍或加倍付稅，你就不要寄望政府會有錢。」

Without a budget, the government can’t take care of you even if they wanted to.  Since you were unwilling to pay higher taxes, then you have no right to demand more government benefits.
「政府沒有錢，政府想照顧你也難。即然你不願意多繳稅捐，你就沒權利要求更多的政府福利。」

Don’t blame the government for cutting social benefits.  Blame the people for their unwillingness to pay taxes.
10*「不要抱怨政府減少各項福利，只怪老百姓當初不願多繳稅。」

If you worry about having enough money in retirement, the best remedy is to make yourself a landlord and earn rental income; meaning you’ll need to learn how to make more money, save up and invest in several real estate properties.
「怕退休後，錢不夠用，最好的自救的方式就是快去「做房東、收房租」。亦即你要學習多賺錢、多儲蓄再加上多投資幾幢房地產。」

If you have a positive net rental income, you won’t need to rely on government welfare.  Therefore you need not fear the government running out of money.
「如果你有房租凈收入，你就不須依賴政府救濟金來生活，就算政府沒錢，你也不會怕了。」

Your government can’t solve your retirement problems, only your “Godsons and Goddaughters” (tenants) can.
「決政府不能解決的老年退休金問題，只有交給乾兒子乾女兒 ( 房客 )去解決。」

Living in the United States, you should rely on neither your children nor the government for your retirement.  The only thing you can count on is your own assets.
「在美國，退休後的生活費，依賴子女或依賴政府都不可靠，只可依賴自己的積蓄才可靠。」

Your savings will dwindle.  Only regular rental income from multiple properties can sustain your lifestyle indefinitely.
「積蓄總有花玩的一天，只有依賴多幢的房租收入才可以維持長長久久的生活費。」

Tenants come in very handy, even more so than your own children.  They will pay you rent money regularly, whether you need it or not.
「房客比親生子女還管用。」不管你缺不缺錢，他們都會按時拿房租錢給你花。」

Your tenants may not be your family, but you might as well see them as family—like a “Godson” or “Goddaughter”, so to speak.  They will give you peace of mind emotionally and financially.
「房客雖然不是親人，但你可以把他們當做親人來看，或者說，把他們當做乾兒子乾女兒來看待，讓你在心裡上，財務上有一種實實在在的依靠。」

Nurturing a house is like nurturing your children, as long as you put your heart into it, you’ll be rewarded substantially.
「養房子就好比養子女一樣，只要你肯多花些心思，你的回報一定是很大的。」

Good tenants are sometimes even better than your own children.  Your own children won’t necessarily give you money regularly, but your tenants will.
「好的房客，有時比親生子女還好。親生子女不一定會拿錢給你花，但房客一定會拿房租錢給你花。」

Rental income is the most reliable retirement income.  If you don’t put effort in saving up and real estate investing while you are young, you won’t have any financial assurance in old age.
20*「退休後依靠房客送來的房租錢最實在、最可靠。年輕時，不懂得儲蓄，不懂得投資地產，年老時就沒有生活的保障。」

Don’t rely on the government to defend you against dwindling Social Security and Medicare benefits.  To have a secure retirement, you must generate some income from your “God children” (renters).
「抵抗社安保險與醫療保險的危機，不能全靠政府，您的退休生活費，至少有一部份還是要靠 ( 房客 )乾兒子乾女兒，這樣你才會感到安全。」

Before the loan is paid off, the home owner is the bank’s “God child.”  To be debt-free, you have to pay off your loan.
「房子貸款沒還清前，屋主是銀行的乾兒子乾女兒。只有付清貸款後，你才算是無債一身輕。」

You don’t truly have a “God Child” if you still carry a loan on your rental property.  It’s only a true “God child” after you pay off your loans.
「 出租的房子如果還有欠債，你就不算真正擁有乾兒子乾女兒。只有當您真正付清貸款後，你才算是真正擁有乾兒子乾女兒。」

In order to really possess your own “God children”, you must invest early and considerably.  Only when you pay off your mortgage, can you have security in retirement.
「 想真正擁有乾兒子乾女兒，你就要提早投資，而且是愈早愈好，愈多愈好。早早把房貸付清，這樣你才能有安全的退休生活。」

If you want to guarantee yourself a good retirement, you must invest early, pay off your loans early, and become debt-free early.
「想要退休生活有保障，就要早投資，早付清房貸，早做債務自由的人。」
 
Net rental income is your safety net when you lose your job.  As long as your tenants pay their rent on time, you can get through those hard times.
「房租淨收入是你失去工作時的一個避風港，只要房客準時付房租，你就能渡過難關。」

Don’t envy the rich who having many tenants.  You can, too, as long as you invest early in a second and third property.
 「不要羨慕有錢的人家，他們有許多房客 ，你也一樣可以有，只要你懂得趁早投資第二幢、第三幢房地產。」

“It’s not that the road has come to an end, it’s just time for you to turn.”  You should prepare early for your retirement. While you’re still young, invest more in real estate so you can earn a steady rental income later in life.
「不是路已走到了盡頭，而是你該轉彎了。」你該為自己的退休養老金，提前做好準備，趁你年輕時，多投資一些房地產，用來收房租養老。

If you can save it, don’t spend it.  If you can invest it in real estate, don’t save it.
「可以省下來的錢，絕對不花。用來投資地產的錢，絕對不省。」

The best way to defy poverty in your old age is to reinvest the money you save in a second or even a third property.
30*「把省下來的錢，去投資第二幢、第三幢房地產才是抵抗老年沒錢的最好方法。

As long as you have a bunch of godsons and goddaughters, you don’t have to worry about the government running out of money one day.
「只要你有一堆乾兒子乾女兒，你就不必擔心政府有一天沒有錢。」

The only defense you have against a penniless government is to own real property, be debt-free, and live off of your rental income in your old age.
「抵抗政府沒有錢的唯一法寶，就是有資產、沒負債，靠房租收入來過晚年。」

If you lose the support from your godchildren, then you’ll need to defer your retirement or live in poverty.
「如果你少掉乾兒子乾女兒的那份支持，你就需要延後退休，或過一個貧窮的退休生活。」