本片由 人文经济学会 资助译制
中英对照文本
翻译：FungChuh | 校对：mangosteen
“He’s a millionaire.”
「他是个百万富翁。」
Even today that phrase has a magical ring to it.
即使在今天，这句话也仍有其魔法光环。
And what image do you see? Probably a guy in a $1000 suit pulling up in his luxury car to his ten-bedroom mansion. He doesn’t have a care in the world. Why should he? He’s got all the money in the world.
你看到的是什么形象？也许是某人穿着上千美元的西装，把豪华轿车停在他的十房大宅。他无忧无虑，他有什么好忧虑的？他拥有全世界所有的钱。
Who knows how he got it. Maybe his parents left it to him or he got lucky in the stock market or acquired it in some dishonest way.
谁知道他是怎么得来的。可能是他父母留给他的，或者他在股市里走运，或者是从某些不光彩的途径挣来的。
What does it matter? It’s out of your reach, right?
这有什么关系？你也管不着对吧？
I don’t blame you if you think this way. I thought that way once myself. It’s how Hollywood and the popular media like to portray the wealthy… “the one-percent.”
你这样想我也不会怪你。我曾经也是这么想的。好莱坞和大众媒体喜欢这样描绘富人……「那百分之一」。
But it couldn’t be further from the truth.
但它远非事实。
How can I say that?
我为什么能这么说？
Because my research team and I surveyed and interviewed over 10,000 millionaires. We learned a lot about them. What we found out surprised me, and, I suspect, will surprise you, too.
因为我的研究团队和我调查采访了超过一万名百万富翁。关于他们，我们了解了很多。我们的发现让我惊讶。而且我猜，也会让你惊讶。
But before I explode some millionaire myths, let me first define what I mean by a “millionaire.”
但在我打破关于百万富翁的迷思前，让我首先定义我所说的「百万富翁」。
It means someone who has $1 million dollars in net assets; that is, the total of their assets, bank accounts and investments minus debts totals $1 million or more.
它指某人拥有一百万美元的净资产，即，他们的全部资产，银行账户和投资减去债务还有一百万美元以上。
According to a recent report, there are almost 11 million millionaires in the United States today – more than ever. But here’s the kicker: that same report shows the number of people living paycheck to paycheck is on the rise, with one in three unable to cover a $2000 emergency with cash.
根据最近的一份报告，今天美国共有将近 1100 万百万富翁——为史上最多。但让人意想不到的是：同一份报告显示，月光族的数量在上升，每三人中就有一人拿不出 2000 美元的紧急资金。
The key difference between the so-called haves and have nots? Well that’s what really blew us away. Before I give you that answer, I need to deal with some myths about the millionaires we talked to.
所谓有产者和无产者的关键区别？它着实把我们震住了。在我告诉你答案之前，我得先处理一些关于我们所说的百万富翁的迷思。
Myth #1 – Wealthy people inherited all their money.
迷思#1：富人们的钱都是继承来的。
The truth is, 79% of millionaires received zero inheritance. That’s right, zip from mom and dad. They earned it on their own.
事实是，79% 的百万富翁没有继承遗产。没错，没有靠父母。这是他们自己挣来的。
Myth #2 – Wealthy people are lucky.
迷思#2：富人们运气好。
This is one that I believed for a long time. But in reality, 76% of millionaires say that nothing extraordinary happened to enhance their wealth. No lottery wins. No stock market killing. Discipline and hard work were the key factors. As for luck, the luckiest thing in most of their lives was being born in, or becoming a citizen of, the United States.
这条我相信了很久。但事实上，76% 的百万富翁说并没有发生什么特别的事增长了他们的财富。没有中彩票，没有在股市大赚一笔。自律和努力工作才是关键因素。至于运气，他们人生中最幸运的事是出生在美国，或成为美国公民。
Myth #3 – Wealthy people have prestigious private-school educations.
迷思#3：富人们受过著名私立学校教育。
Wrong again. 62% of millionaires went to public state schools. You don’t have to go to an Ivy League School to do well.
又错了。62% 的百万富翁上的是公立学校。你不是非要上常春藤学校才能有好表现。
Myth #4 – Wealthy People Have High Paying Jobs.
迷思#4：富人们有高薪工作。
Not true at all! One-third of millionaires never had a six-figure household income in a single working year. Really. I’m not making it up.
一点也不对！三分之一的富人从未试过有一年家庭收入达六位数。真的，我不是在瞎编。
So, what makes these millionaires so extraordinary?
那么，是什么使这些百万富翁如此杰出？
You ready for the shocking answer?
你准备好这惊人的答案了吗？
Here it is:
那就是：
Nothing. Nothing at all.
没有，什么也没有。
Remember I said that there was one key thing that separated the haves from the have-nots? It’s the attitude millionaires have toward money. They have learned to control it and not let it control them.
记得我说过区别有产者和无产者的关键因素吗？是百万富翁对金钱的态度。他们懂得控制它，并且不让它控制自己。
So, if you want to achieve financial security, you need to change your mindset. The sooner the better. You have to start with the belief that it’s possible for you to become a millionaire. I can give you 10,000 examples of people like you who have done it.
所以，如果你想实现财务安全，你必须改变你的心态。越快越好。你必须开始相信自己可能成为百万富翁。我可以给你一万个像你这样的人实现了它的例子。
Next you have to take responsibility for where you are financially right now. And wherever you are, however you got there, you’ve got to own it. My friend Dave Ramsey says, “If you’re the problem, it also means you’re the solution.” And that’s actually good news. It means your financial destiny is in your own hands.
