how to get rich without being lucky ?
致富經(jīng)遍地都是，這一篇有什么不同？看完你可能會有自己的理解。
前不久杖们，AngelList的創(chuàng)始人悉抵，同時也是Uber和twitter的天使投資人，Naval摘完，在推特上發(fā)布了一些列的推文姥饰，主題就是how to get richy without being lucky，如何不靠運(yùn)氣變得富有孝治，他總結(jié)了40個要點(diǎn)列粪。推出以后，掀起了一場推文風(fēng)暴谈飒，被翻譯成了幾十種語言岂座，目前可能有40%的推特活躍用戶看過。
推文發(fā)出之后杭措，Naval又錄了一套播客费什，做了一個網(wǎng)站，對每一個要點(diǎn)都進(jìn)行了擴(kuò)展和深化手素。也可以看到他對自己致富方法論的實(shí)踐鸳址。
之前的40條要點(diǎn)推文，已經(jīng)有人翻譯成了中文泉懦。這里跟大家分享他的擴(kuò)展板稿黍。
然后他的深化全文版我也已經(jīng)翻譯完畢，中英文合計(jì)10萬字崩哩，我做了一個簡單的PDF闻察，感興趣的朋友可以到我的公眾號“雪與炭”領(lǐng)取，限時免費(fèi)琢锋，全網(wǎng)獨(dú)家首發(fā)。相信會對大家英年早退有所幫助呢灶。
版權(quán)所有吴超，未經(jīng)許可，嚴(yán)禁轉(zhuǎn)載鸯乃。
naval
How to Get Rich Without Being Lucky
Naval Ravikant
如何不靠運(yùn)氣達(dá)成財務(wù)自由
In the old days, salary earners were the real deal. But the advent of science andtechnology has brought in even better tools for making money even in sleep.While wealth begins with the mindset, you have to be ready to put in extra work and discipline to achieve the best.
以前鲸阻，上班拿工資是正經(jīng)事。如今缨睡，科技的發(fā)展鸟悴，帶來了更好的致富工具，讓你躺著也能賺錢奖年。創(chuàng)富始于你的心智模式细诸，要成就最好，你需要付出額外的努力和自律陋守。
In this article, I will highlight 29 insights of being ‘Wealthy' that you must imbibe in order to create wealth for yourself.
在這篇文章中震贵，我將分享29+9條關(guān)于“富有”的洞見利赋，你可以吸收它們，為己所用猩系，去創(chuàng)造屬于自己的財富媚送。
1. Seek wealth, not money or status. Wealth is having assets that earn while you sleep. Money is how we transfer time and wealth. Status is your place in the social hierarchy.
追求財富，而不是金錢或身份寇甸。財富是在睡覺時也能幫你賺錢的資產(chǎn)塘偎，金錢是我們轉(zhuǎn)移時間或者財富的工具，身份是你在社會階層中的位置拿霉。
Thedifference between a rich man and a poor man is their states of mind. Hence,the rich may be poor and the poor may be rich. For instance, a family of threewho share a piece of cake might be richer than another whose shelter is acomfortable duplex and still hassle to have an excellent feast.
Themoment you can tell the difference between wealth and money, you have comeacross a life-changing opportunity and you must use it accordingly. Forinstance, having money in the bank wouldn’t lead to a vision or the love ofothers that help you earn a better tomorrow. As youngsters, we didn’t have alot of money but we were driven by enthusiasm, personal vision, and potentialto stay committed to the grind. These coins of wealth confer the ability toearn a proper living.
窮人和富人的區(qū)別在于他們的心智模式吟秩。富人有可能貧瘠，窮人也可能富足友浸。分享一塊蛋糕的三口之家峰尝，可能比住著兩層洋房還吵著要吃大餐的家庭更加富有。
在你能夠區(qū)分財富和金錢的那一刻收恢，你就邂逅了一次改變命運(yùn)的機(jī)會武学，抓住它好好運(yùn)用。舉例來說伦意，銀行存款并不意味著前途光明火窒，也不意味著會有人愛你，能幫你創(chuàng)造一個美好的未來驮肉。
年輕的時候熏矿，我們都沒什么錢，但是激情离钝、憧憬票编、潛力、埋頭骨干的精神驅(qū)動著我們卵渴。這些才是創(chuàng)造財富的硬幣慧域，是有所成就的能力。
2. Understand that ethical wealth creation is possible. If you secretly despisewealth, it will elude you.
相信站著掙錢是可能的浪读，如果你內(nèi)心鄙視財富昔榴，它也會躲著你
This statement can’t be far from the myth that ‘money is the root of all evil.’ Theinternalization of this diluted Bible phrase shows how much some peopleactually despise wealth and the mindset itself is self-limiting. Some time ago,I had a conversation with a retiree who highlighted the reasons why it willnever be too late to modify your perceptions about wealth. Did I mention thathe was only a seller of artwork? He never had a lot of patrons.
Formost parts of his life, he would call the wealthy several names but he laterfound out that his dispositions only watered down his chances of ever gettingrich because he will never associate with these people. But once he found outthat despising someone’s expensive lifestyle was the true root of his evil, hestarted earning better from his artwork as the rich would always buy from him.
圣經(jīng)里有句諺語“金錢是萬惡之源”，雖然這句話的影響力已日漸薄弱碘橘，但是這種錯誤觀念依然內(nèi)化于一些人的頭腦互订。可以看出痘拆，他們對財富的極度鄙視仰禽，以及思維的自我限制。
我曾經(jīng)和一位退休人士有過交流。他的例子就說明坟瓢，修正你對財富的觀念勇边，永遠(yuǎn)不會太晚。這個人銷售藝術(shù)品折联，但一直都沒多少主顧粒褒。
在人生的大部分時間里，他總是詆毀謾罵有錢人诚镰。后來他發(fā)現(xiàn)奕坟，這種性格使他永遠(yuǎn)不可能結(jié)識這些人，也就很難賺到錢清笨。意識到對富人奢華生活的鄙視月杉，才是自己內(nèi)心的魔鬼，他調(diào)整了觀念抠艾。慢慢地苛萎，有錢人開始從他這里購買藝術(shù)品，他越做越好检号。
3. Ignorepeople playing status games. They gain status by attacking people playingwealth creation games.
無視那些玩身份游戲的人腌歉，他們靠攻擊創(chuàng)造財富的人獲得地位
It disgusts me whenever I look around and see people play status games – it’s inpolitics, fashion, sports, social media, and income of course. Have you evertried to gain status and influence by decreasing your social status in relationto others’? You’re also playing the status game.
So,you really want to show your superiority by acquiring more accessories thanParker and you know for sure that you cannot keep up? If you keep organizing training and workshops without getting money in return, you aren’t a lotdifferent from people in the career sector who play status games. The reason isthat you aren’t financially better than a hipster that can’t keep off ofdesigner bags and shoes.
Trust me; you don’t want to be this person.
每當(dāng)看到周圍有人玩身份的游戲，我都感覺惡心齐苛。政界翘盖、時尚界、體育界凹蜂、社交媒體馍驯，當(dāng)然還有收入攀比。你是不是也試過降低自己的社交身份玛痊，去贏得一些影響力汰瘫？你也是在玩同樣的游戲。
為了使自己顯得優(yōu)越擂煞，即使撐不了多久混弥，你也要買比網(wǎng)紅還多的衣服配飾么？
如果你一直在組織培訓(xùn)颈娜、搭建工作室，但卻沒有進(jìn)賬浙宜，那你和那些在事業(yè)上玩身份游戲的人官辽，并沒多大區(qū)別。你的經(jīng)濟(jì)狀況比那些擺脫不了潮鞋名包的網(wǎng)紅好不了多少粟瞬。
相信我同仆，你不想成為那樣的人。
4. You’re not going to get rich renting out your time. You must own equity – a pieceof a business – to gain your financial freedom.
靠出租自己的時間裙品，你不可能致富俗批，你必須擁有資產(chǎn)——商業(yè)的要素之一——去實(shí)現(xiàn)財務(wù)自由俗或。
Smart people with wealth mentality don’t just sit around and wait for the magic tohappen. They invest in equity. Who says you can’t attain financial freedom at ayoung age if you have meticulous plans to create an abundance of wealth?Studies show that equity has the potential to multiply your investments withina short time, probably better than other methods. So, what’s stopping you? Ifyou are disciplined enough to earmark good sums of money for an equityinvestment opportunity, you just might be able to take charge of yourretirement in grand style.
財智過人的人不會干坐著，等待奇跡降臨岁忘。他們會做投資辛慰。如果你有嚴(yán)謹(jǐn)?shù)挠?jì)劃，能夠創(chuàng)造巨額的財富干像，誰說你不能年紀(jì)輕輕就財務(wù)自由呢帅腌？
研究表明，要在較短的時間內(nèi)讓自己的投資翻倍麻汰，股票比其他方法更具潛力速客。所以，如果你足夠自律五鲫，又有資金去投資股市溺职，又有誰攔著你呢？這樣位喂，你就很可能以一種華麗的方式浪耘，享受自己的退休生活了。
5. You will get rich by giving society what it wants but does not yet know how toget. At scale.
如果你能規(guī)囊淠常化地提供人們想要点待、但還不知道怎么獲得的東西，你就會富有弃舒。
You must know by now that the creation of wealth is in the actual creation ofvalue. Look around you, the world is plagued with several problems. The worldis begging you for answers and solutions to their worries; why not give themsomething worth their while. So, you think ‘A’ does something already and youjust want to let the business opportunity slip through your fingers? No! Allyou have to do is upgrade to an ‘A+’ and you will be shocked at how people areattracted to your business like a moth to a flame. Simple!
Givethe society what it wants today, dear friend.
現(xiàn)在你應(yīng)該知道癞埠，財富來自于創(chuàng)造實(shí)際的價值×兀看看你周圍苗踪，人們被各種問題困擾，他們在跪求答案削锰，解決他們的焦慮通铲。為什么不提供一些物有所值的東西呢？
你可能覺得某件事已經(jīng)有人做了器贩，就放任發(fā)財?shù)臋C(jī)會從指間溜走颅夺。這是不對的。
你要做的是把它升級蛹稍，從A做到A+吧黄，然后就等著震驚吧。人們會像飛蛾撲火一樣來買你的東西唆姐。就這么簡單拗慨！
給人們想要的，從今天開始，伙計(jì)赵抢。
6. Pick an industry where you can play long term games with long term people.
選擇長情的人剧蹂，做一份長遠(yuǎn)的事
Quit frolicking around different areas and start playing to your strength. The woesof some poor people lie in their inability to properly identify theirstrengths. It is no different from investing inequity. You see, long terminvestors aren’t afraid to be burnt by bad investments but they would ratheravoid them. As soon as you can understand the best industry that suits yourpurpose, all you have left is to unlock the potentials that await you.
不要東一下西一下，從現(xiàn)在開始烦却，去做能發(fā)揮你優(yōu)勢的事宠叼。
窮人的悲哀往往就在于他們認(rèn)識不到自己的長處。這和投資股票一個道理短绸。長線投資者并不怕遭遇壞的投資车吹，但他們還是寧愿避免。
一旦你發(fā)現(xiàn)了最匹配你人生目標(biāo)的事業(yè)醋闭，剩下的只是解鎖被塵封的潛能窄驹。
7. The Internet has massively broadened the possible space of careers. Most peoplehaven't figured this out yet.
網(wǎng)絡(luò)已經(jīng)極大地拓寬了事業(yè)的可能性，多數(shù)人還沒意識到
The truth? We live in a competitive space and all business ideas are probablyexhausted except yours. How do I know? Check the World Wide Web. A study showsthat the internet, alone, employs more than 1.2 million people for commerce andadverts. Most people don’t know this, but you do. Let us suppose the internetmakes up $300 billion of US GDP. That puts you at an edge of about 0.1 percentand that is a lot of money if you ask me. Now, there are even betteropportunities than that which mean better chances of earning.
真相是什么证逻？真相是我們生活在一個激烈競爭的社會乐埠，所有的商業(yè)創(chuàng)意可能都耗盡了，除了你的囚企。我怎么知道?上網(wǎng)看一下丈咐。
一項(xiàng)研究表明，僅僅從事網(wǎng)絡(luò)推廣和廣告的就超過120萬人龙宏。大多數(shù)人還不知道這一點(diǎn)棵逊，現(xiàn)在你知道了。假設(shè)互聯(lián)網(wǎng)產(chǎn)業(yè)制造了3000億美元的GDP银酗，如果你有機(jī)會撬動其中的0.1%辆影，那是多少錢？
現(xiàn)在黍特，甚至有比這更好的機(jī)遇蛙讥，意味著你有很大的機(jī)會。
8. Play iterated games. All the returns in life, whether in wealth, relationships,or knowledge, come from compound interest.
重復(fù)迭代灭衷，人生所有的成就都來自復(fù)利次慢，無論是財富、人際關(guān)系還是知識翔曲。
Simply put, compound interest is accumulated principal – you invest X amount and getX+Y amount in the long run. The same principle applies in all facets of life –relationships, lifestyle, and more. The snowball effect of the compoundinterest is a concept that you must adapt to. You have to make it a personalphilosophy to perform small acts and tasks every day that would inch you closerto your goals and last a lifetime.
復(fù)利就是本金的累積迫像，簡單來說，你投入X瞳遍，長期累積就收獲X+Y闻妓。同樣的原理，適用于人生的多個方面——人際關(guān)系傅蹂、生活方式等等纷闺。
你一定要利用復(fù)利的雪球效應(yīng)，使它成為你人生哲學(xué)一部分份蝴，每天行動一點(diǎn)點(diǎn)犁功，完成一些小任務(wù)，日進(jìn)一寸婚夫，終生不輟浸卦，成功必有期。
9. Pick business partners with high intelligence, energy, and, above all,integrity.
選擇智商高案糙、精力充沛限嫌、最重要的是正直的商業(yè)伙伴。
No one can truly overemphasize the importance of quality friendships andrelationships. In the search for another level of wealth creation, you must bemotivated by the people in your circle. Proximity, they say, is power. Wherethe proper motivation is lacking, you may as well begin the search for anotherrelationship with other people. And the desirable traits to seek are integrity,sheer intelligence, and ruthlessness.
高質(zhì)量的友誼和關(guān)系的重要性时捌，不用過多強(qiáng)調(diào)怒医。人們常說，親近就是力量奢讨。如果你想使財富達(dá)到一個更高的層級稚叹，你的圈子應(yīng)該能夠給你激勵。
如果缺乏這種激勵拿诸，你不妨去尋找他人扒袖，建立一種新的關(guān)系。理想的人選應(yīng)該正直亩码、充滿智慧季率，又清醒冷靜。
10. Don't partner with cynics and pessimists. Their beliefs are self-fulfilling.
不要與憤世嫉俗者和悲觀主義者為伍描沟，他們的信念將自我實(shí)現(xiàn)计盒。
This category of people is mostly a joke. They aren’t open to new ideas andperspectives that would enrich your pockets. Your relationship is yourcurrency. Rather, you want to be at the same table with people that believestrongly in changing the economy. That, in itself, is the leader board inthe creation of wealth.
這些人基本就是個笑話。他們不接受新想法和新觀念底燎，而這些東西卻正是你致富的機(jī)會禾唁。
你的人際關(guān)系就是你的貨幣。所以迟蜜，你要和那些堅(jiān)信能夠改變經(jīng)濟(jì)局面的人坐在一起刹孔，這樣，你們就是創(chuàng)造財富的領(lǐng)導(dǎo)小組了娜睛。
11. Learn to sell. Learn to build. If you can do both, you will be unstoppable.
學(xué)習(xí)銷售髓霞，學(xué)習(xí)建設(shè)。如果二者皆能畦戒，你將勢不可擋方库。
No,you won’t get rich by working! The harder you work smart, the better yourchances of building wealth. Mark Zuckerberg and Jeff Bezos are two billionairesthat have leveraged the power of selling and building. They have increasedtheir hourly wage by putting their money to work so that their bank account swellsin their sleep. But first, they started selling and they could build with thereturns they got. You have about 100,000 working hours but equity will work fora year without breaking a sweat。
不會的障斋，你不可能通過上班致富纵潦！你需要聰明地工作徐鹤，你工作得越聰明，致富的機(jī)會就越大邀层。
馬克·扎克伯格和杰夫·貝佐斯都是億萬富翁返敬，他們就是利用杠桿，放大了銷售和建造的力量寥院。他們讓錢工作劲赠，這樣即使在睡夢中，他們的銀行賬戶也在膨脹秸谢，他們每小時賺的錢都在增長凛澎。
但一開始，他們也是做銷售估蹄，然后把銷售收入投入到建設(shè)之中塑煎。你一生大概可以工作10萬個小時，但資本可以經(jīng)年運(yùn)轉(zhuǎn)臭蚁，毫不費(fèi)力轧叽。
12. Arm yourself with specific knowledge, accountability, and leverage.
用特知（特種知識）、責(zé)任感和杠桿武裝自己刊棕。
A simple guide in life is to be a principle human. If you knew what knowledge cando for you, you will start rummaging the bookshelf, not for get-rich-quick fixes, but for ample knowledge that sells. And to sustain yourself, you must beable to caution yourself when you are going off the rails of your goals whileleveraging the opportunities that you come across.
一條簡單的人生指南炭晒，就是做一個有原則的人。
如果你知道知識能為你做些什么甥角，你肯定會馬上在書架上翻找网严，不是找快速致富經(jīng)，而是那些豐富的銷售知識嗤无。當(dāng)你遇到人生的機(jī)會震束，開始大展宏圖，要想走得更遠(yuǎn)当犯，你必須有能力在偏離目標(biāo)時提醒自己垢村。
13. Specific knowledge is the knowledge that you cannot be trained for. If societycan train you, it can train someone else, and replace you.
特知無法通過培訓(xùn)獲得。如果社會能培訓(xùn)你嚎卫，就能培訓(xùn)別人來取代你嘉栓。
If the world could teach wisdom, we will all be walking billionaires. The recipeto get ahead in life is to become what people never envisaged. For every timethat you are dispensing quality and unmatched information, your value increasesand it takes a lifetime to find a suitable match.
如果這個世界能夠傳承智慧，我們每個人都將成為億萬富翁拓诸。
人生拔得頭籌的秘訣侵佃，就在于成為人們想所未想的人。
每次當(dāng)你發(fā)布高質(zhì)量的無與倫比的信息時奠支，您的價值都會增加馋辈，而要想找到你的替代品，則需要花費(fèi)一生的時間倍谜。
14. Specific knowledge is found by pursuing your genuine curiosity and passionrather than whatever is hot right now.
特知的獲取迈螟，是通過追逐你真正的好奇心和激情叉抡，而不是趕時髦追風(fēng)口。
Knowledge is a gift, passion is the ribbon. The mindset of wealth is common with peoplewho do specific things because of their genuine inclination towards the field.Even when society thinks the biggest gold mine is in the Arctic, the wealthyone doesn’t deviate from his trip to the South.
知識就像一份禮物答毫，激情則是禮盒上的絲帶卜壕。
有些人在某種領(lǐng)域從事特種工作，因?yàn)樗麄兲焐陀羞@種傾向烙常。富人的頭腦模式和他們是很像的。就算所有人都認(rèn)為最大的金礦在北極鹤盒，富人也不會調(diào)轉(zhuǎn)他們開往南方的船頭蚕脏。
15. Building specific knowledge will feel like play to you but will look like workto others.
構(gòu)建特知對你就像是玩游戲，但在別人看來侦锯，你卻是在工作驼鞭。
When the world says ‘A’ and you stick with ‘B’, you may look crazy at first untilyour paycheck starts to speak for you. Unfortunately for others, your passionis unique to you and no one would ever understand the formula except someonewho is or has been in your shoes.
全世界都說A，而你堅(jiān)持說B尺碰，一開始挣棕，看上去是你瘋了，直到你的支票替你說話亲桥。
不幸的是洛心，對外人來說，你的激情是獨(dú)一無二的题篷。沒有人會理解你的方程式词身，除非有人處在或曾經(jīng)處在你的位置。
16. When specific knowledge is taught, it’s through apprenticeships, not schools.
特知只能通過學(xué)徒制傳授番枚，無法在學(xué)校習(xí)得法严。
Within the four walls of the school, you are taught the theory of life. But realknowledge begins when you have worthy mentors and trainers. Having someone youlook up to in the line of business converts better than you just move with theflow.
在學(xué)校，你學(xué)習(xí)的只是人生的理論葫笼。只有當(dāng)你遇到杰出的導(dǎo)師和訓(xùn)練師深啤，你才開始學(xué)到真正的知識。
在商業(yè)的起伏輪轉(zhuǎn)中路星，有一位可以仰望的導(dǎo)師溯街，要比隨波逐流好得多。
17. Specific knowledge is often highly technical or creative. It cannot beoutsourced or automated.
特知是高度技術(shù)性的洋丐，或者創(chuàng)造性的苫幢；它不能被外包或自動化。
Creativityis the reason why an employer values one employee better than the other. Thatis why you notice that they hardly let go of such people within thehierarchical structure. If you are armed with specific knowledge, you can hireand fire at will. Be this person.
在商業(yè)的等級體系里垫挨，你會看到韩肝，雇主往往更青睞具有創(chuàng)造性的員工，他們很少會放走這樣的人九榔。
如果你掌握有特知哀峻，干或者不干涡相，就由你說了算。
成為這樣的人剩蟀。
18. Embrace accountability, and take business risks under your own name. Societywill reward you with responsibility, equity, and leverage.
擁抱責(zé)任催蝗，用自己的名字承擔(dān)商業(yè)風(fēng)險，社會將用職務(wù)育特、資本和影響力回報你丙号。
A poor mindset is always quick to point accusing fingers at other people when theship doesn’t dock. Business risks come with tons of ‘ifs’, ‘buts’, and ‘hows’. Inthe very moments that you accept responsibilities for your mess, the universethrows more opportunities at you for being so grateful. Sound basic? Then, tryit.
如果船沒有靠岸，有窮人思維的人缰冤，總是會立馬指責(zé)別人犬缨。
商業(yè)活動伴隨著大量的“如果”、“但是”和“如何”等風(fēng)險棉浸。每當(dāng)事情搞砸的時候怀薛，如果你勇于承擔(dān)責(zé)任，還心存感恩迷郑，宇宙就會回報你更多的機(jī)會枝恋。
聽上去很平常？試試就知道了嗡害。
19. The most accountable people have singular, public, and risky brands: Oprah,Trump, Kanye, Elon.
最負(fù)責(zé)任的人擁有獨(dú)特焚碌、公開和冒險的品牌:奧普拉(Oprah)、特朗普(Trump)霸妹、坎耶(Kanye)呐能、埃隆(Elon)。
These names ring one bell: brand accountability. You see, there is responsibility in brand ownership. People want you to live up to their expectations and you mustmake every second of your time worth tons of their money.
這些名字提示人們一件事:品牌責(zé)任抑堡。
擁有品牌必須承擔(dān)責(zé)任摆出。人們希望你不要辜負(fù)他們的期望，你人生中的每一秒首妖，都要讓他們覺得選擇你是值得的偎漫。
20. Fortunes require leverage. Business leverage comes from capital, people, andproducts with no marginal cost of replication (code and media).
財富需要杠桿。商業(yè)杠桿來自資本有缆、勞動力以及無需邊際成本就可大量復(fù)制的產(chǎn)品（代碼和媒體)象踊。
Leverage can come in many forms – people, production of services, or software. But yourcore focus in achieving this feat must be skills, knowledge, and network. Youmust learn how to build savings and credit history in a simultaneous manner sothat you reap from your labour in the long run.
杠桿有多種形式——人、服務(wù)產(chǎn)品或軟件棚壁。要成就杠桿杯矩，你關(guān)注的核心應(yīng)該是技能、知識和網(wǎng)絡(luò)袖外。你要學(xué)會在積蓄的同時史隆，建立良好的信用記錄。長期下來曼验，你的勞動就會帶來收益泌射。
21. Capital means money. To raise money, apply your specific knowledge, withaccountability, and show resulting good judgment.
資本意味著金錢粘姜。要籌集資金，發(fā)揮你的特知熔酷，表現(xiàn)出責(zé)任感和良好的判斷力孤紧。
I remember the time I earned my first salary. I was so happy to share withfriends and I blew up my account in less than three days. I was so devastatedthat I had to borrow from the same friends with whom I made merry. Afterward, Iknew I had to find a way to double my earnings. All I had to do was fix acertain amount into a money-making venture and watch it grow. I had specificknowledge and I told a trusted to hold accountable to my investment plans. Atthe end of the month, I always had thrice the amount an average worker in mycompany walked home with. Sweet!
記得我第一次拿薪水的時候，非常開心拒秘，和朋友們分享慶祝号显，結(jié)果不到三天，就把錢給花光了躺酒。我不得不跟這些朋友借錢押蚤，非常郁悶。
后來阴颖，我意識到必須想辦法把收入翻倍。我就固定把一部分錢放到一個風(fēng)險投資項(xiàng)目丐膝，然后看著它往上漲量愧。
因?yàn)槲矣凶约旱奶刂芏兴Т＃艺伊艘粋€信得過的人偎肃，讓他負(fù)責(zé)我的投資計(jì)劃。后來每到月底浑此，我的收入都是一起上下班的普通同事工資的三倍累颂。
爽。
22. Labor means people working for you. It's the oldest and most fought-over formof leverage. Labor leverage will impress your parents, but don’t waste yourlife chasing it.
勞動力就是為你干活的人凛俱，這是最古老紊馏、也是爭奪最厲害的一種杠桿。勞動力杠桿會給你的父母留下深刻印象蒲犬，但不要浪費(fèi)生命去追逐它朱监。
I am quick to tell people in search of quick fixes that there are multiplesolutions. You only have to find the one that works for you. On differentoccasions, I have read stories of people that leveraged on labour to multiplytheir sources of income. But the rate at which everyone is seekingentrepreneurship and ‘self-ownership’, labour leverage may soon become extinct.We see it every day, people leave their jobs to settle in another business andit won’t stop soon.
對于那些想快速致富的人，我都直接跟他們說原叮，方法有很多赫编，你只需要找到一個適合自己的。
在不同的場合奋隶，我讀過一些人利用勞動力杠桿來增加收入的故事擂送。但以現(xiàn)在人們尋求創(chuàng)業(yè)或者自我雇傭的速度，勞動力杠桿可能很快就會消失唯欣。
每天我們都可以看到嘹吨，人們辭掉工作，努力去開創(chuàng)一份事業(yè)境氢，這個趨勢不會很快停止躺苦。
23. Capital and labor are permissioned leverage. Everyone is chasing capital, butsomeone has to give it to you. Everyone is trying to lead, but someone has tofollow you.
使用資本和勞動力杠桿身腻，你需要經(jīng)人允許。每個人都在追逐資本匹厘，但總得有人給你嘀趟。每個人都想成為領(lǐng)導(dǎo)者，但總得有人追隨你愈诚。
The sentence is self-explanatory. It forms the basis of ‘giving’ and receiving’.Imagine a world where we are all producers. In the absence of consumers, thepurpose of production of defeated. Therefore, you have to choose either side aslong as it multiplies your wealth.
這句話不言自明她按，它構(gòu)成了“給予”和“接受”的基礎(chǔ)。
想象一個我們都是生產(chǎn)者的世界炕柔，沒有消費(fèi)者酌泰，生產(chǎn)的意義何在？因此匕累，二邊你必須選擇居其一陵刹，只要你能在其中發(fā)財。
24. Code and media are permissionless leverage. They're the leverage behind thenewly rich. You can create software and media that works for you while yousleep.
代碼和媒體是無需許可的杠桿欢嘿。他們是新富階層背后的杠桿衰琐。您可以編寫軟件和打造媒體，在你睡覺的時候炼蹦，讓它們?yōu)槟阗嶅X羡宙。
Restating the Mark Zuckerberg and Jeff Bezos example, they have successfully leveraged onthe internet by giving us what we need. Now, all they ever do is sit behind adesk, their backs relaxed and sipping a cup of coffee while they watch theirstock increase.
說回馬克?扎克伯格和杰夫?貝佐斯，他們就是成功地利用了網(wǎng)絡(luò)杠桿掐隐，提供我們需要的東西」啡龋現(xiàn)在，他們的生活就是坐在桌子后面虑省，輕松地喝著咖啡匿刮，看著股票上漲。
25. An army of robots is freely available – it's just packed in data centers forheat and space efficiency. Use it.
有一支機(jī)器人大軍是免費(fèi)的探颈，只是因?yàn)樾枰岷吞岣呖臻g效率僻焚，被壓縮在數(shù)據(jù)中心，你看不到膝擂。把它用起來虑啤。
This is a well-deserved break from the human element. From data analysis toaccounting precision, you can have Artificial Intelligence handle the complexprocesses of your business while removing the human factor of error andmisappropriation. Both Watson AI and IBM are have dipped their noses in thiswealth management technique and it works for them. Why not you and me?
從人類的元素中掙脫出來，恰當(dāng)其時架馋。
從數(shù)據(jù)分析到精準(zhǔn)會計(jì)狞山，人工智能可以處理復(fù)雜的業(yè)務(wù)進(jìn)程，還不會產(chǎn)生人為的錯誤和偏差叉寂。
沃森人工智能和IBM都在運(yùn)用這種技術(shù)管理財富萍启，而且有效可行。我們?yōu)槭裁床挥茫?/p>
26. If you can't code, write books and blogs, record videos and podcasts.
如果你不會寫代碼，就寫書和博客勘纯，錄制視頻和播客局服。
Write.Speak. Influence. Teach. These four skills are in high demand on social media.No one wants to sit in classrooms listening to boring statements of how 2+2equals 4. No, they want to relax in the comfort of their beds and gain accessto goldmines of knowledge that will empower them. Coding isn’t for everyone,but there is limitless space for these four skills in the world
寫作，演講驳遵，制造影響力淫奔，教學(xué)，這四種技能在社交媒體上需求旺盛堤结。沒有人還愿意坐在教室里唆迁，聽那些無聊的課程，講2+2 怎么等于 4竞穷。
人們想舒適地躺在床上唐责，就可以很容易地汲取知識，讓自己變得更有競爭力瘾带。
不是每個人都可以編程鼠哥，但是上述四種技能全球通用，空間無限看政。
27. Leverage is a force multiplier for your judgement.
杠桿將成倍放大你的判斷力
You get more done with fewer resources when you leverage. If you think you cancreate wealth without leverage, you are just another comedian. To reach therequired level of judgement and success, you have to compromise time, speed,and work. Like another worthy investment, it ensures that you reap endlessbenefits in years to come.
利用杠桿朴恳，你可以用更少的資源做更多的事。如果你認(rèn)為自己不用杠桿?可以發(fā)財帽衙，那你是一個喜劇演員菜皂。
要達(dá)到?jīng)Q策和成功所需的影響力層次贞绵，你必須有所妥協(xié)厉萝，付出大量時間，做得更快更多榨崩。這是有價值的投資谴垫，它將保證你在未來的人生中收益無窮。
28. Judgement requires experience but can be built faster by learning foundationalskills.
判斷力需要經(jīng)驗(yàn)母蛛，但可以通過學(xué)習(xí)基礎(chǔ)技能更快地建立翩剪。
Far from being a negative behavior, judgement is the attitude of the wealthy. Inthree easy steps, you can build a strong foundation of knowledge by recognizingyour default biases, accepting your mistakes, and learning from experience.These three skills are as simple to learn as they will make you money.
評判、判斷絕不是消極的行為彩郊，而是富人的態(tài)度前弯。
通過三個簡單的步驟，你可以為判斷力打下堅(jiān)實(shí)的知識基礎(chǔ)：認(rèn)知成見秫逝、接受錯誤恕出、從經(jīng)驗(yàn)中學(xué)習(xí)。
這三種技能很容易學(xué)违帆，也很容易幫你賺錢浙巫。
29. There is no skill called “business.” Avoid business magazines and businessclasses.
沒有一種技能叫做“經(jīng)商”。不要看商業(yè)雜志和商業(yè)課程。
We are always sold a lie about success – discover your strength, work hard, andyou are a superstar. In extreme cases, those people offer business ideas withpromises that you make X amount after a certain period. Lies! Contrary topopular belief, business is not a transferrable skill. You are either abusinessman or a consumer; don’t allow the lies to get to you.
總有人向我們兜售一種關(guān)于成功的謊言——發(fā)現(xiàn)你的優(yōu)勢的畴，努力工作渊抄，你就會成為超級明星。
在極端的情況下丧裁，這些人會提供一些商業(yè)創(chuàng)意护桦，承諾你在一段時間后可以賺到一大筆錢。騙局!
和韭菜們想的完全相反渣慕，商業(yè)是無法言傳的嘶炭。你要么是商人，要么是消費(fèi)者逊桦。
不要讓謊言影響到你眨猎。
The Last 9 Advices that You Must Focus
最后9條你應(yīng)該關(guān)注的建議：
30. Study microeconomics, game theory, psychology, persuasion, ethics, mathematics,and computers.
學(xué)習(xí)微觀經(jīng)濟(jì)學(xué)、博弈論强经、心理學(xué)睡陪、說服學(xué)、倫理學(xué)匿情、數(shù)學(xué)和計(jì)算機(jī)兰迫。
31. Reading is faster than listening. Doing is faster than watching.
讀比聽快，做比看快炬称。
32. You should be too busy to “do coffee,” while still keeping an unclutteredcalendar.
忙而不亂汁果。你應(yīng)該忙得沒時間喝咖啡，同時保持日程有條不紊玲躯。
33. Set and enforce an aspirational personal hourly rate. If fixing a problem willsave less than your hourly rate, ignore it. If outsourcing a task will costless than your hourly rate, outsource it.
設(shè)定并執(zhí)行一個有雄心的個人時薪据德。如果解決一個問題省下來的錢比你的時薪少，忽略它跷车。如果外包一項(xiàng)任務(wù)的成本比你的時薪低棘利，外包掉。
34. Work as hard as you can. Even though who you work with and what you work on aremore important than how hard you work.
和你工作的人朽缴、還有你做的事善玫，都比你的努力程度更重要，即便如此密强，你還是要竭盡所能茅郎，把工作做到最好。
35. Become the best in the world at what you do. Keep redefining what you do until this is true.
在你的職業(yè)領(lǐng)域內(nèi)成為全世界最好的或渤，不斷重新定義自己做的事系冗，直到你真的是最好的。
36. There are no get rich quick schemes. That's just someone else getting rich offyou.
沒有什么快速致富經(jīng)劳坑，那只不過是別人從你身上發(fā)財罷了毕谴。
37. Apply specific knowledge, with leverage, and eventually, you will get what youdeserve.
運(yùn)用特知，加上杠桿，你終將獲得自己應(yīng)得的涝开。
38. When you're finally wealthy, you'll realize that it wasn't what you wereseeking in the first place. But that's for another day.
當(dāng)你終于富有循帐，你可能會意識到這不是你最初想要的。但那是另外一回事了舀武。
Conclusion: productize yourself
總結(jié)：把自己產(chǎn)品化拄养。
現(xiàn)在戳真探叔的公眾號“雪與炭”領(lǐng)取《如何不靠運(yùn)氣獲得財務(wù)自由》中英文深化全版PDF，限時免費(fèi)银舱。
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