[想变富？先学学有钱人的10种思维方式.doc

想变富？先学学有钱人的10种思维方式！ Financial gurus say, “To become rich, do rich people things.” Here are ten ways you can start doing “rich people things” and stop watching your hard-earned money flow out of your bank account.金融专家常说：“想变得有钱，那就做有钱人做的事。”下面这10种方法可以教你向有钱人学习，再也不让辛苦赚来的钱哗啦啦流走。 1. They get out of debt.有钱人摆脱债务。 Duh, right? Debt is the enemy to building wealth. Debt is Lord Voldemort. It will kill and destroy your money. You should get rid of even small, monthly payments. Start by figuring out exactly how much you owe, and decide what you’re going to tackle first.可不是嘛，债务是累积财富的头敌，债务就是伏地魔。它榨取并吸干你的每分每厘。哪怕是小额的月债，你也应该还清。先算清自己到底欠了多少债，然后想办法去解决。 2. They know how much they save.有钱人清楚自己有多少积蓄。 Do you know what your annual savings rate is? Rich people do. It doesn’t have to be exact, or down to the penny, but you should know how much of your salary you usually save or invest.你知道自己的年储蓄率是多少吗？有钱人知道。你不一定要搞清具体数字或精确到每分钱，但应该清楚平时储蓄或投资的薪水金额。 3. They know how much they spend.有钱人知道自己花了多少钱。 How much are your monthly utilities? How much do you usually spend at restaurants? By figuring out these things, you will be able to find ways to save and invest more. So, track your spending over the next couple months. After you’ve seen where your money is going, you will have a better idea of what you can cut.你每个月的日常开销是多少？平常会花多少钱去吃馆子？算清这笔账，你就找到省钱和投资的方法了。所以，接下来几个月请尝试记下自己的开销吧。当你弄清钱都花在哪儿后，就能知道怎么削减开支了。 4. They think long term.有钱人目光长远。 Where do you want to be in 5, 10, or 20 years? Wherever that is, you need to start planning for it today. Rich people don’t say things like, “I want new shoes, I’m going to spend the last of my paycheck on them.” They think long term about where they want to be, and they make savings goals to get there.你给自己5年、10年乃至20年的定位是什么？不论怎样，你都需要从现在起认真规划了。有钱人不会说：“我想买双新鞋，还剩一点余钱，干脆把它花掉吧。”他们会考虑得很长远，然后努力存钱实现那个长远目标。 5. They make their money work for them.有钱人让金钱为自己效劳。 My dream is to figure out how to make money while I sleep. Doesn’t that sound amazing? Well, rich people do that. They inv