? ? ? ?Hello,大家好，我是Mavis，很開心又和大家見面了。還記得上期我提到的“理財(cái)是一門基本的生活技能，基本到人人都應(yīng)該掌握它，更是需要你終身學(xué)習(xí)的技能”嗎？今天我會(huì)帶領(lǐng)你們揭開理財(cái)神秘的面紗，一探究竟。
? ? ? ?因此，什么才是打開理財(cái)?shù)恼_方式呢？So, what is the right way to start “money management”?
? ? ??首先，請(qǐng)仔細(xì)回顧自己過往的經(jīng)歷以及身邊的圈子。你是否出現(xiàn)過以下幾種情況？First, let’s carefully review our own experiences and everything around it. Have you ever had any of the following situations?
還是一名正在讀書的學(xué)生，不知道什么是理財(cái)或者只聽過理財(cái)兩字但不知道其具體含義；
You are still a student, and don't know what is money management. Or perhaps, you know these words but don't understand it well;
剛畢業(yè)工作一兩年，工資幾乎月月光，還透支信用卡；
You have been working for one or two years already right after graduation but your salary is being consumed at the beginning of the month. Plus, you also have a balance on your credit card;
畢業(yè)后的一路走來，工作、結(jié)婚和生子，導(dǎo)致沒有多少存款且覺得錢總不夠用，迫于無奈，生活只能墨守成規(guī)；
You've worked, you've married and you've become a parent all the way after graduation and you don't have a lot of savings. You always feel short of money and you're living a life of routine that will surely zap the joy out of you.
自己通過努力，早早收獲自己的房子、車子和事業(yè)，但又總忙忙碌碌，沒辦法停下來好好享受生活的美好。
You have your own house, your own car and your own personal cause, through your own efforts. But, you are always busy and you have no time to stop and enjoy the beauty of life.
? ? ? ? 如果你的情況屬于以上任何一種，請(qǐng)趕快停下手里正在做的事，思考一下，到底是哪里出了問題？No matter which of the situations mentioned above you can relate with, at this moment, I invite you to stop and think for a few seconds. Ask yourself, what is the real meaning of “rich”?
? ? ? ?請(qǐng)不要為找不到原因而感到驚慌失措，根據(jù)黃金二八法則定律，世界上80%以上人的狀態(tài)都是以上四種情況之一。當(dāng)然也不要懷有大眾心理而自我欺騙——還有這么多人和我一樣。請(qǐng)記住，你現(xiàn)在的選擇，將決定7年后的自己。我相信，既然你能看到這里，你也是更愿意成為那20%中的一員。這20%的人，在理財(cái)?shù)闹R(shí)體系內(nèi)，被稱之為是具有富人思維的人, 簡(jiǎn)稱富人。相對(duì)的，具有窮人思維的人, 簡(jiǎn)稱窮人。
? ? ? ?Do not panic right away without trying to find an appropriate solution. Well, according to the 80/20 rule, 80% of the people in the world are stuck on one of the situations mentioned above. But you could choose your own path and not follow the trend that most people (including me) engaged themselves into. Remember that, the choices that you make today will determine the person that? you will become seven years from now. And I believe that since you have been reading my column up to now, perhaps you would want to be included in the 20% of the 80/20 proportion of the economic population. In the financial knowledge system, 20% of the people are composed of those who have the"rich mind ", or in short, "the rich". While, the remaining are the people who possess the "poor mind" or in short, "the poor".
? ? ? ? 窮人和所謂的中產(chǎn)階級(jí)一直在為錢工作，可他們并不知道，他們的生活始終是這樣一個(gè)惡性循環(huán)：起床——工作（做生意）——還賬單——起床——工作（做生意）；他們害怕失去錢，害怕失去有著房貸的大房子、有著車貸的好車、有著看似光鮮外表的美好生活，于是更加勤奮地去賺錢。就這樣，他們成為了金錢的奴隸，他們并不知道，在大多數(shù)情況下，他們的感情代替了他們進(jìn)行思考。然而，他們只會(huì)越來越忙，陷入似乎永遠(yuǎn)無法擺脫忙碌的陷阱里。
? ? ? ? The poor and the “middle class” are always working for money, but they don’t know that, they’re living a vicious cycle of getting up——working（doing business)——paying? the bills——then getting up (again)——doing business (again) ---and the cycle goes on. They are afraid of losing money, afraid of losing their big houses (with mortgages),the luxurious cars (with loans), and their lives that seem all good and well. And because of such fears mentioned, they work very hard to earn money, and so they become slaves to money. But they don’t know, that in most cases, their feelings think ahead of them,and they are only getting busier. They are stuck in the “busy trap” without them knowing the way out.
? ? ? ? 相反地，富人是讓錢為他工作。因?yàn)椴挥迷贋楸匾拈_支出售自己的時(shí)間，富人便有大把的時(shí)間去做自己想做的事，去實(shí)現(xiàn)自我價(jià)值，過著大家都期待的美好生活。光想想是不是都覺得挺美？所以，為了實(shí)現(xiàn)財(cái)富自由，對(duì)于我們絕大數(shù)人而言，我們必須首先具備富人思維。如果沒有，請(qǐng)轉(zhuǎn)變你的思維。
? ? ? ? On the other hand, the rich people let the money work for them. They don’t have to sell their time to provide for their necessary expenses. The rich also have plenty of time to do the things that they want, to achieve self-worth and to live an attractive life that everyone would wish or hope for. It’s just so nice just to think about that kind of life, right? So, to realize the financial freedom, first,? We must have the“rich mind”. If you don’t have it yet, please make a commitment to change your mind.
? ? ? ? 接下來，請(qǐng)看下面兩種思維的具體表現(xiàn)：? Next, let’s look at two different ways of thinking in the comparative table below:
? ? ? ? 看到這里，你是不是已經(jīng)突然醒悟，終于知道自己為何窮了這么多年？現(xiàn)在行動(dòng)還不晚，不如現(xiàn)在就思考一下如何培養(yǎng)富人思維？
? ? ? ? As you looked at the above table, has it dawned on you already why you have been poor for many years?Well, I have good news for you. It’s not yet too late to take action.So instead of focusing on the current, unpleasant situation.? Why not train your mind to think the way the rich people do?
關(guān)鍵詞 keywords:
review v. to examine, consider, and judge a situation or process carefully in order to see if changes are necessary 審查，檢討，評(píng)審，回顧。
saving n.?存款 ?e.g. saving fund 儲(chǔ)蓄基金 saving account 儲(chǔ)蓄賬戶
routine n. the usual order in which you do things,or the things you regularly do 慣例，日常，例行公事 ?e.g. ?Doing exercise is a task which I do every day as a matter of routine.運(yùn)動(dòng)是我每天必做的事情。
zap v.to quickly attack or destroy something 消除，消滅，去掉，在文中尤指每天一成不變的生活很是乏味。
panic v. to suddenly feel so frightened that you cannot think clearly or behave sensibly, or to make someone do this (使）恐慌，（使）驚慌失措 e.g. He started to panic when he saw the gun.他看見槍就慌了起來。
appropriate adj. correct or suitable for a particular time, situation, or purpose 恰當(dāng)?shù)?；合適的 ?e.g. clothes appropriate for a job interview 適合求職面試穿的服裝 ?It is appropriate(for sb)to do sth ?e.g. It would not be appropriate for me to take action now.現(xiàn)在不適合我采取行動(dòng)。
pursue v. to continue doing an activity or trying to achieve something over a long period of time 追求，繼續(xù)進(jìn)行 e.g. Students should pursue their own interests,as well as do their school work.除了完成課業(yè)之外，學(xué)生也應(yīng)該追求自己的興趣。
80/20 rule n. 二八法則，又名帕累托法則 ? ? ??
rich mind n. 富人思維 ? ? the rich n.富人 ? the poor n.窮人 ? middle class ?n.中產(chǎn)階級(jí) ? ?
in short ?adv.總之，簡(jiǎn)而言之 ? self-worth ?n.自我價(jià)值
? ? ? ? 今天就先到這里了，下期我會(huì)帶領(lǐng)大家學(xué)習(xí)如何培養(yǎng)富人思維。小伙們?nèi)绻惺裁匆蓡柡徒ㄗh，歡迎私信我喲。
? ? ? ? 簡(jiǎn)書：貓?jiān)聼o痕（搜索名字并關(guān)注，就可以私信我啦）
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