88. Your bank’s automatic savings plan can turn you into an automatic millionaire.
88. 利用銀行的儲蓄自動化，你將自動成為「百萬富翁」
導向成功的金玉良言 --- 成功秘碼25條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
An automatic savings plan is an effective tool to become wealthy, for it enforces saving on a consistent basis.
「成為百萬富翁的新利器是 — 儲蓄自動化方案。一種強迫性的儲蓄自動化。」
Spending borrowed money is not commendable; imagine if the debts you aren’t able to pay off were to become your children’s burden: it’s a bad idea however you look at it.
「打腫臉充胖子，用借錢的方式來消費，這種有借不還或債留子孫的行為都是最壞的示範。」
Subprime mortgage market is the biggest evil in essence, it is harmful the owner loss house, lender bankrupt, economic recession, people live with pain.
「次級房貸是房貸市場中最大的害人精，它害到貸款人的房子被沒收，銀行倒閉，全國經濟衰退，人民生活痛苦。」
There should not have subprime mortgage, the lender allow a man who with no saving / no down pay to purchase a house, this is lender/bank’s fault.
「次級房貸本來就不應該存在，銀行讓一個零頭款的人去買房子，這是銀行的錯。」
To walk by the shore and not get wet takes caution; to walk in the ocean and not get wet takes a miracle. Some folks can manage to buy a house with a 20% down payment in their mortgage plan. Yet it’s impossible to buy a house with zero-down and not get foreclosed by the bank.
「走在海邊不濕鞋是謹慎(技術特好)，走在海裡不濕鞋是奇蹟(胡說八道)。用20%頭期款去買房子的人是技術好，用零頭期款去買房子，而不被銀行收回拍賣的是胡說八道。」」
Do not buy a house without a substantial down payment, or you may find yourself covered in debts before you know it.
「沒有足夠的頭期款，絕不要輕易去買房子，以免自己陷入債務困境中，難以脫身。」
For most people, buying a house is supposed to be a “dream come true”; but if one insists on making the purchase without an abundant amount of savings, it may well turn into a nightmare.
「買房子住新家，原本是一件愉快的事，但是在沒有足夠自備款的狀況之下，就不要去買房子，以免得買了房子以後，變成是一件痛苦又煩惱的事。」
The purchase of a house should be a happy event, an accomplishment you are to be proud of, not an excuse to start you on a life of debts and poverty.
「買房子住新家原本是一件光彩又高興的事，千萬不要把它變成是痛苦與負債的開姶。」
Diligent saving and frugality are the keys to your financial security.
「勤儉與儲蓄是建立財務安全的第一要務。」
Your plan for saving up should be logically devised and strictly enforced: you need to have the will to see it through.
「有規律、有計劃、定期地強迫自己一定要存下錢來，這一點(儲蓄)毅力非常重要。」
Direct deposit is one of the best ways to help you accumulate wealth.
「 採用自動轉帳的儲蓄方法，是累積財富最好的方法之一。」
Do not go for zero-down-payment mortgages, but don’t spend all your savings on a house either. The purchase should be well within your financial means.
「不可用零頭款去買房子，也不可用全部的儲蓄，去買一幢超過你能力的房子。」
The purpose of investing in real estate is for you to get rich, not to drain you of the wealth you already have with debts.
「買房子的目地是要你變得愈來愈富有，而不是要你愈來愈窮，負債累累。」
For sound financial planning, when purchasing a house, not only the down payment, make sure you have at least 10% to 20% of your savings as an emergency reserve.
「買房子的時候，除了要有首付款之外，還要預先保留10%至20%的周轉金以備將來之需，這樣做才是一個穩健安全的財務計劃。」
A real estate purchase beyond your financial means will let you become nothing but a poor man bound to a house.
「不自量力，買房不當，負債纍纍，你將成為「有房產，沒現金」的窮人。」
Buying a house on borrowed money will not necessarily make your dreams come true; only when you make the purchase with your own savings will it be the beginning of a wealthy, happy life.
「借錢購屋，不見得會使你美夢成真，只有先儲蓄後購屋，才會使你美夢成真。」
Regardless of your investments, always make sure to have enough capital.
「在做出各種金融投資之際，手上一定要有足夠的自有資金。」
Financial experts suggest you use direct deposit to help enforce your savings plan and reach your target.
「為著幫助人們達到儲蓄目標，專家建議，利用銀行自動轉帳方式，強迫你儲蓄。」
The three prongs of a good financial plan: spend less, save more, and reduce waste.
「在養成儲蓄的同時，也要養成節儉與惜物的好習慣，三者缺一不可。」
The older generations understood the value of frugality, thus most of them would have enough savings to afford a house. In comparison, young adults today, despite their superior education, often aim for extravagant lifestyles, and usually end up with far less money than is needed to buy a house.
「老一輩的人，書唸的不多，但懂得省吃儉用，所以能夠存錢買房子。現在的年輕人，書讀的很多，但不懂得省吃儉用，所以沒錢買房子。」
Only those who are frugal can afford a house; others who squander what they earn barely have enough to pay the rent.
「 懂得省吃儉用的人，可以擁有房子，不懂得省吃儉用的人，只能租房子。」
A man who knows to save money as much as he knows to earn it will eventually accumulate an incredible amount of wealth.
「會賺錢，也要會存錢，這樣才能積少成多，創造出一份傲人的財富。」
Maintain good credit scores, for when the time comes to purchase a house, they are as important a factor as the amount of your savings.
「在存錢購屋的同時，也要注意培養與保持良好的信用分數才行。」
Force yourself to save money, and then force yourself to invest your savings in real estate. Before you know it, you may find yourself in the ranks of millionaires.
「強迫自己儲蓄，強迫自己用儲蓄的錢去買房子，這是成為百萬富翁最好的方法之一。」
The key to wealth is: earn more and spend less; manage your debts first before you manage your assets.
「致富之道，多掙錢、少花費 ，先理債、再理財。」
An automated savings account is the secret to eliminating debt and obtaining financial security.
「擺脫債務困境、建立財務安全的真正秘訣，在於建立自動儲蓄帳戶。」
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