114 Possessing the wisdom to create wealth is far more important than having wealth itself.
114 創造財富的智慧，遠比財富本身更重要
導向成功的金玉良言 --- 成功秘碼 56條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
Wealth can be built up over time, but also wasted away overnight; it can be spent, given and inherited. What is never transferable is the wisdom that enables a person to obtain wealth, for it can only be gained with studies and experience: something one can never hope to get through inheritance.
「 財富可以累積，可以散盡，也可以花費、轉讓、饋贈和繼承，可是創造財富的智慧卻永遠不可轉讓，它只能是學習而來，而不可靠遺傳而來。」
A person well-learned in financial planning would often prefer a humble lifestyle.
「真正會理財的人， 就是生活簡單的人。」
No one is destined for unemployment except for those who are unwilling to swallow their pride and commit to hard work.
「世界上沒有永久失業的人，只有自視其高，不肯吃苦耐勞的人。」
Young people are trained in many new skills in college, yet their courses often skipped the teaching of financial planning and investment.
「年輕人讀書唸大學，可以學到各種專業技能，但獨缺投資理財這一門學問。」
Many young people would be satisfied to be an employee at a large company, unaware of the fact that the seemingly impressive salary is in fact buying out their knowledge, dooming them to a fate of servitude while they could have been building their own empires.
「年輕人只希望自己能進一個大公司工作，做一個僱員，就自以為心滿意足了，殊不知大公司的薪水只會買斷你的知識，只會讓你一輩子做牛、做馬，沒有出頭天。」
High salary and benefits from big companies are like the carrot that dangles in front of the donkey, indefinitely enslaving your talents for their own use.
「大公司的薪水與福利，就像是掛在驢子前面的稻草，讓你一輩子甘心做員工而出賣自己的才幹！」
Those too lazy to put in the effort in school have no business complaining about unemployment or low salary upon graduation.
「年輕人不學無術，好吃懶做，不肯吃苦，反過來抱怨失業率過高、薪水過低，這樣公平嗎？」
So long as you won’t shy away from hard work, you will always have a job. Chances are you’ll be able to start up your own business one day.
「只要肯吃苦耐勞，你永遠會有工作做，甚至有一天你還可開店做老闆。」
Experts in financial planning will never be content as mere employees to others their entire life.
「真正的理財高手，不會一輩子做僱員的。」
If you want to be boss, you have to learn about investment and financial planning, otherwise you’d be stuck working for others all your life.
「只有學會投資理財之後，你才有可能有一天做老闆，不會投資理財的人，你可能永遠就只能做僱員。」
There is no use complaining about not having enough money. Try figuring out a viable way to increase your financial knowledge and income instead.
「向世人抱怨，你的錢不夠花是沒有益處的，總要想辦法提高自己的理財水平與收入，才是解決之道。」
To those who understand financial management, economic recessions and increasing unemployment bring great opportunities to become rich. Why? Because in this economy, house price will fall, which means those with money can buy a property much cheaper than usual. Wealth is often created when all others give in to despair and the market appears grim.
「對會理財的人來說，景氣不好，失業率升高，這就是天大的發財機會，為什麼？因為景氣不好，房價繼跌，有錢人才容易找到廉價屋，賺錢就要賺在別人沒有信心，市場表現出失望的時侯。」
The time is ripe to make a killing in business when both buyers and sellers are blinded by despair.
「賺錢就要賺在買方沒有信心，且賣方表現出絕望的時侯。」
Bad economy at least allows you to buy things at a much cheaper price than they would cost in better times.
「景氣不好，才容易找到便宜貨。景氣太好，反而不容易找到便宜貨。」
Obstacles in life might be insurmountable for the weak-minded. Yet for the brave, they are but stepping stones towards success.
「如果有大石攔路，對勇者來說那是成功的階梯，對弱者來說那是成功的絆腳石。」
Inflation may be the perfect test for your skills in financial planning. A person who keeps complaining about being short on cash is most likely just a bad financial planner.
「通貨膨脹是最好的理財檢驗師，它可檢驗出你會不會理財。凡抱怨錢不夠用的人，就是屬於不會理財的人。」
Skills taught in college are only theoretical; they are still a long way from being wisdom that can help create actual wealth. This is why college graduates must humble themselves to learn practical skills in investments and financial planning, for what knowledge college can bestow on a person is no substitution for what the real world can teach him.
「大學生所學到的專業技術，就只有書本上的學問一項而己，它離創造財富的智慧還遠的很，所以大學生要虛心學習各種的投資理財工具與操作手法，因為步入社會大學之後才是真正的大學。」
The knowledge of Investment and financial planning is anything but simple, for the slightest misstep could lead to grave losses, sometimes even costing you everything.
「投資理財是一門不簡單的學問，只要有任何一個小小環節出了狀怳，就會引來很大的損失，甚至導致血本無歸。」
Investments can often benefit from expert guidance, which may help prevent your business from suffering unnecessary losses or disputes.
「投資前要多向專家請益，這樣可以避免許多不必要的損失與糾紛。」
A million dollar is worth less than a capable mind. Never underestimate your own intelligence.
「千金萬金抵不過一斤腦袋，可見得自己的腦袋很值錢。」
Educate yourself on financial planning. If you don’t, even being born into the wealthiest family won’t help. You might just squander away or be scammed out of your riches.
「不會理財的人，即使你有家財萬貫，也有花完的一天，或者有被騙光的一天，所以你一定要學會投資理財。」
The world is filled with lies and trickeries, which is why investors must be extra careful when choosing partners. Don’t be blinded by small profits and gains offered by random strangers, for all scams thrive on the greed of the victim.
「世界上有許多詐術、騙局、陷阱及害人的事，投資人要特別小心，不要隨便與陌生人接觸，也不要貪圖對方提供的小利小惠，往往引人上當受騙的事，都是從自己的貪心開始。」
Greed could drive a man to get rich, but it can just as easily bankrupt him. Control your greed, for when untamed it does more harm than good.
「貪心可以令人發財，貪心也可以令人破產，所以要妥善處理貪心，以免貪心過頭，未蒙其利先受其害。」
A man should always find ambition, confidence, perseverance, patience, love as well as care in his heart, but should avoid the temptations of greed at all cost.
「人要有企圖心，信心、恆心、耐心、愛心、關心，但是，就是不能要有貪心。」
Wealth can be squandered, especially in the hands of those who know nothing about financial planning.
「財富的本身是可以花光光的，不會理財的人，很快就會傾家蕩產，兩手空空。」
Only those equipped with adequate knowledge on how to manage and expand their wealth will keep getting richer. Therefore, you will need to have the wisdom and the ability to make sound judgment calls.
「唯有懂得管理財富及創造財富的人，才可能使財富穩健增加。要想使財富穩健增加，你必須要有創造財富的智慧與判斷力。」
Besides natural talent, you’ll need to study hard to gain the necessary wisdom to build wealth.
「創造財富的智慧，除了天賦本能之外，還是要靠多學習。」
Warren Buffet’s greatest treasure is not his wealth, but rather, his wisdom. Whoever possesses Buffet’s wisdom will be able to become just as rich.
「股神巴菲特的腦袋，要比他的財富更重要。誰要是擁有巴菲特的智慧，誰就能創造巴菲特的財富。」
What sets Warren Buffet apart is how his wisdom only becomes more valuable with his age.
「巴菲特的智慧隨著他的年齡增長愈來愈值錢，這就是巴菲特過人之處。」
Warren Buffet has never asked for too much in life. He leads a simplistic life, never flashed his wealth or had any affairs—a lifestyle many billionaires cannot claim to share. As a philanthropist he has made over 31 billion dollars’ worth of donations. Buffet has always focused on creating wealth and giving back to society, showcasing a kindness that is truly exemplary in today’s world.
「巴菲特的生活慾望不高，他生活簡單，不炫耀財富，沒有婚外情，他這些簡單生活的表現，是其他富翁比不上的。他一身的慈善捐款高達310億美金。他把全部精力放在創造財富與回饋社會上，他對社會的愛心真是了不起。」
Warren Buffet’s simplistic lifestyle and his earnestness at giving back to society have set an example for all wealthy people.
「巴菲特的簡單生活 ，與對社會的愛心，是所有富人要學習摹仿的地方。」
Learn from Warren Buffet and lead a simplistic life, regardless of how wealthy you are or how high your social status is.
「就算你有再多的財富，再高的社會地位，你也要學習巴菲特的簡單生活。」
A simplistic lifestyle can help you find peace and resist the temptations of greed. With that comes the promise of happiness and good luck.
「簡單生活可以使自己平靜、無慾、不貪，這樣，福氣自然跟著來。」
Getting rich is not the end of the journey— you have to be able to maintain a simple lifestyle after you gain massive wealth.
「財富不是很重要的東西，重要的是當你有了巨額財富以後，還能保持簡單的生活。」
Rich men who refuse simplistic living often end up failures. Too much money is not necessarily a good thing. Sometimes too much money can do more harm than good to yourself as well as your children.
「許多的大富翁，因為無法守住簡單的生活，所以失敗了。錢太多並不一定是好事，有時錢太多，反而會害了自己及自己的子孫。」
The biggest victims to a millionaire who indulges himself are his children.
「不能簡單生活的富翁，受害最大的，就是他的子女。」
A man who indulges in materialistic and sexual pleasures often finds himself empty inside, clinging onto a pathetic existence.
「一個強烈受物慾、性慾支配的人，他的精神生活一定很空虛，這樣的人是很可悲。」
A man whose mind is filled with money is more terrifying than a beast.
「當一個人為金錢瘋狂的時候，他比野獸更可怕。」
A man isn’t truly financially able if he can’t pass his financial knowledge down to his children and grandchildren.
「如果第一代會理財，而他的第二、第三代不會理財，那麼對第一代的人來說，那是假的會理財。」
Financially able parents don’t necessarily have financially able children. The knowledge of financial planning cannot be inherited; it has to be taught to future generations.
「上一代會理財，不代表下一代也會理財，理財是教導的，理財不是遺傳的。」
The younger generation’s ignorance in financial planning would be the fault of the parents, just like when a child’s education has taught him no practical skills his mom and dad are to blame.
「如果第二代不會理財，那是父母的錯。如果第二代只會唸死書，那也是父母的錯。」
Having a useful skill is better than having millionaire parents. Contrary to conventional belief, the said skill isn’t for a specific livelihood; it’s referring to the wisdom for creating wealth. Can you grasp the significance of it?
「俗語說：一技之長，勝過萬貫家產。但這個一技之長，不是指謀生的技巧或技藝，而是指創造財富的智慧。這一點與傳統的觀念有些不同，你能接受嗎？
The wisdom to create and manage wealth is far more important than the riches you procure, and thus must be passed down from generation to generation.
「管理財富的智慧 與 創造財富的智慧，要代代相傳下去，這比你財富的本身更重要。」
At the peak of financial genius is the desire for philanthropy and a simple life.
「理財的最高境界，就是慈善樂捐 與 簡單生活。」
Those who understand financial planning are always content with humble, simplistic lifestyles.
「真正會理財的人， 就是生活簡單的人。」
A person who need not worry about having enough income is considered financially able.
「不為生活收入煩惱的人， 就是屬於會理財的人。」
People who allow wealth and power to complicate their lives are ultimately miserable.
「因為有錢 、有勢，所以把生活變複雜了，這樣的人最可悲。」
Pity those who fall slaves to their riches, incapable of simplistic living.
「有錢的人不知道簡單生活，還在做錢的奴隸，這樣的人真的很可憐啊！。」
Those who start out rich yet have no knowledge of financial planning will inevitably end up poor. No amount of wealth can survive long against a lavish lifestyle.
「不會理財，有錢也可能變為沒錢。沒節制亂花錢，就是金山、銀山，也有吃空的一天。」
Wealth and knowledge alike need to be built up over time. If your money accumulates faster than your knowledge, you run the risk of becoming an unrefined nouveau riche.
「財富是慢慢的累積起來的。知識也是慢慢的累積起來的。如果你財富累積起來的速度，超過你知識累積起來的速度，那你就可能會變成為一個不學無術的暴發戶。」
To avoid becoming a nouveau riche, the amount of your knowledge needs to grow faster than the amount of wealth you own.
「要避免成為一個暴發戶，你知識增長的速度要勝過你財富增長的速度才可以。」
Opportunities never come knocking on its own; only when you take swift action can you crack open the window of opportunity.
「機會永遠不會來敲你的大門，只有你迅速做出行動，你才有可能跨入機會的大門。」
Wealth never comes knocking on its own; only when you take the necessary steps toward entrepreneurship and investment, can you open the door to wealth.
「財富永遠不會來敲你的大門，只有你迅速跨出創業 / 投資的第一步，你才有可能跨入富豪的門檻。」
Do not find excuses for yourself and escape from doing what needs to be done. Be decisive and persistent, and take that first step on the right path leading to your ultimate success.
「不要逃避，也不要找藉口，做你該做的事，馬上行動，堅強地，跨出你的第一步，你就離成功更近一步。」
Do not be worried about how the housing market might drop. The only thing to worry about is whether you are becoming the kind of man who passes up the perfect opportunities to purchase real estates, the kind who is all talk but dare not take action even when he should.
「不要擔心房價會下跌，而要擔心你自己不知道把握機會，(趁低價買進房屋)，成為一個只說不做，沒有行動的人。」
The world is advancing fast, and if you can’t keep up you might as well be going backwards. A modern man must guard against degradation of any kind: be it of your command of knowledge, the state of your mind, the faith in achieving your goal, the amount of your wealth, your willingness to take action, or the condition of your health.
「世界進步的很快，如果你不進步，你就是退步。做為一個現代化的人，首先要預防的事，就是你要阻止 知識退化、思想僵化、夢想空化、財富火化、行動遲化、器官老化。」
Back to Home | Back to Index «Previous | | Next >