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自制百万富翁的秘密他们和你一样,但他们很有钱 5 Secrets of Self-Made Millionaires(2)

  In 2003, Steve quit his job to become part owner of a company that holds personal finance seminars for employees of corporations like Wal-Mart. He also started going to real estate investment seminars, and it's paid off: He now owns $30 million worth of investment properties, including apartment complexes, a shopping mall and a quarry.
  2003年,史蒂夫辞去工作,成为某公司的合伙人。他的公司为一些大公司雇员开设私人理财班,如沃尔玛。他还开始转向房地产投资,并得到了回报:他目前拥有价值3000万美元的物业投资,包括公寓、购物商场和一个露天矿场。
  "I was an engineer who never thought this life was possible, but all it truly takes is a little self-education," says Steve. "You can do anything once you understand the basics."
  “作为一名工程师,这样的生活对我来说曾经就像天方夜谭一样,但是这需要的只是一点自我培训”,史蒂夫说,“一旦理解了基本知识你就能成为投资高手。”
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Fast Company  3. Passion pays off
  激情回报

  
  In 1995, Jill Blashack Strahan and her husband were barely making ends meet. Like so many of us, Jill was eager to discover her purpose, so she splurged on a session with a life coach. "When I told her my goal was to make $30,000 a year, she said I was setting the bar too low. I needed to focus on my passion, not on the paycheck."
  1995年,吉尔•布拉沙克•斯特拉罕和她的丈夫经常收不抵支,像我们中的许多人一样,吉尔渴望发财,所以花了一大笔钱跟着生活教练上培训课。“当我告诉她我的目标就是每年挣3万美元,她说我把标准定得太低了,我需要的是专注于自己爱好,而不是紧盯薪水。”
  
  Jill, who lives with her son in Alexandria, Minnesota, owned a gift basket company and earned just $15,000 a year. She noticed when she let potential buyers taste the food items, the baskets sold like crazy. Jill thought. Why not sell the food directly to customers in a fun setting?
  吉尔和她的儿子生活在明尼苏达州亚历山德里亚市,她有一家礼品花篮公司,每年挣1.5万美元。她发现当她让潜在的顾客品尝可口茶点后,产品就被疯狂抢购。吉尔想,为什么不以一种更加有趣的方式把食品直接卖给顾客呢?
  
  With $6,000 in savings, a bank loan and a friend's investment, Jill started packaging gourmet foods in a backyard shed and selling them at taste-testing parties. It wasn't easy. "I remember sitting outside one day, thinking we were three months behind on our house payment, I had two employees I couldn't pay, and I ought to get a real job. But then I thought, No, this is your dream. Recommit and get to work."
  吉尔用她6000美元的积蓄,银行贷款以及朋友的投资,开始在自家后院包装美食,出售给美食鉴赏派对。这并不是一件易事。“记得有一天我在屋外坐着,想到三个月没付的房租,未支付两个员工的工资,我想我应该去找一份实在的工作。但我转念一想,不,这是我的梦想,收拾收拾,继续工作吧。”
  
  She stuck with it, even after her husband died three years later. "I live by the law of abundance, meaning that even when there are challenges in life, I look for the win-win," she says.
  即使她的丈夫三年后去世了,她还继续坚持着。“我奉行物美量多的经销原则来谋生,虽然这意味着生活中会有许多挑战,但我会争取双赢”。
  
  The positive attitude worked: Jill's backyard company, Tastefully Simple, is now a direct-sales business, with $120 million in sales last year. And Jill was named one of the top 25 female business owners in North America by Fast Company magazine.
  积极态度产生效用了:吉尔的后院公司Tastefully Simple,现在成了一个直销型企业,去年销售额达1.2亿美元。吉尔因此被北美的《快速公司》杂志评为25位最优秀的女性企业家之一。
  
  According to research by Thomas J. Stanley, author of The Millionaire Mind, over 80 percent of millionaires say they never would have been successful if their vocation wasn't something they cared about.
  《百万富翁的心路历程》一书的作者托马斯•J•斯坦利的通过研究发现:百分之八十以上的百万富翁承认——如果他们不把职业放在心上,他们就永远不会成功。
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  4. Grow your money
  投资生利

  
  Most of us know the never-ending cycle of living paycheck to paycheck.. "The fastest way to get out of that pattern is to make extra money for the specific purpose of reinvesting in yourself,"says Loral Langemeier, author of The Millionaire Maker. In other words, earmark some money for the sole purpose of investing it in a place where it will grow dramatically—like a business or real estate.
  我们大多数人生活在薪水复薪水的无尽循环中。“摆脱这一模式最快的方式是把额外的钱专门用于投资”,《百万富翁制造商》一书的作者劳拉•兰格米尔说。换句话说,预留一些钱投资在特定领域,例如商业或房地产投资,你的资金会快速增长。 

  There are endless ways to make extra money for investing - you just have to be willing to do the work." Everyone has a marketable skill," says Langemeier. "When I started out, I had a tutoring business, seeing clients in the morning before work and on my lunch break."
  投资赚取额外报酬的方式无穷无尽——只要你愿意。“每个人都有销售技巧”,劳拉说:“刚开始的时候,我自己办了个辅导班,所以我得在早上上班之前和午餐休息时辅导学生。”
  
  A little moonlighting cash really can grow into a million. Twenty-five years ago, Rick Sikorski dreamed of owning a personal training business. "I rented a tiny studio where I charged $15 an hour," he says. When money started trickling in, he squirreled it away instead of spending it, putting it all back into the business. Rick's 400-square-foot studio is now Fitness Together, a franchise based in Highlands Ranch, Colorado, with more than 360 locations worldwide. And he's worth over $40 million.
  零星资金都有可能积累成百万财富。二十五年前,里克•西尔斯基梦想拥有私人培训业务,“我出租了一间小工作室,每小时收取15美元”,他说。赚到钱后,他没有挥霍,而是储存起来用于投资。里克400平方英尺的工作室现在叫做Fitness Together,特许经营总部设在科罗拉多州的高地牧场,在全世界拥有360个健身中心,他的身价超过四千万美元。
  
  When extra money rolls in, it's easy to think, Now I can buy that new TV. But if you want to get rich, you need to pay yourself first, by putting money where it will work hard for you—whether that's in your retirement fund, a side business or investments like real estate.
  当财富滚滚而来,人们很容易就会有这样的想法:“现在我可以买新的电视机啦!”但是如果你想更加富有,你必须首先自己支付自己,应当让钱为来为你工作——比如投资退休基金、商业或者类似房地产等的投资上面。
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  5. No guts, no glory
  胆大才能赚大钱
  
  Last summer, Dave Lindahl footed the bill for 18 relatives at a fancy mansion in the Adirondacks. One night, his dad looked out at the scenery and joked, "I can't believe we used to call you the black sheep!"
  去年夏天,戴夫•林达纽约阿第伦达克豪华大厦里为18个亲戚买单。一天晚上,他的父亲看着外面的风景,开玩笑说:“真不敢相信我们曾经叫你败家子!”
  
  At 29, Dave was broke, living in a small apartment near Boston and wondering what to do after ten years in a local rock band. "I looked around and thought, if I don't do something, I'll be stuck here forever."
  戴夫在29岁时破产,住在

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