想發大財得先換個腦袋,因為有錢人真的跟我們想的不一樣。21 Ways Rich People Think Differently.

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21 Ways Rich People Think Differently

World’s richest woman Gina Rinehart is enduring a media firestorm忍受媒體的強烈砲轟 over an article in which she takes the “jealous” middle class to task for ‘drinking or smoking and socializing’ rather than working to earn their own fortune.(請參考下面的說明)


What if she has a point?
Steve Siebold, author of ‘How Rich People Think’ spent nearly three decades interviewing millionaires around the world to find out what separates them from everyone else.


說明
Gina Rinehart
澳洲礦業與媒體大亨,目前是世界最富有的女性之一。2012年因為下面這段話引發軒然大波。
"If you're jealous of those with more money, don't just sit there and complain. Do something to make more money yourself -- spend less time drinking or smoking and socialising, and more time working.”

這位繼承家族事業而成為全球最富有的女人,針對中產階級對富人的不滿態度提出看法。她認為,坐而怨不如起而行想要賺大錢不能只靠坐著抱怨。她並且要求中產階級多花點時間工作,少喝點酒、少抽點菸,少成天忙於社交閒扯淡。畢竟有錢人的社交活動都是有目的性的,而非聚在一起殺時間、怨天尤人與相互取暖


It had little to do with money itself, he told Business Insider. It was about their mentality心態.
“[The middle class] tells people to be happy with what they have,” he said. “And on the whole, most people are steeped in 沉浸在   fear when it comes to money.”





1.Average people think MONEY is the root of all evil. Rich people believe POVERTY is the root of all evil.
一般人認為金錢是萬惡的淵藪,有錢人認為貧窮才是問題所在。

“The average person has been brainwashed to believe因為被洗腦而相信 rich people are lucky or dishonest,” Siebold writes. That’s why there’s a certain shame某種程度的羞愧感 that comes along with “getting rich” in lower-income低收入 communities.
“The world class knows that while having money doesn’t guarantee happiness, it does make your life easier and more enjoyable.”

2. Average people think selfishness is a vice. Rich people think selfishness is a virtue.
一般人視自私為罪惡,有錢人認為自私是種美德。

“The rich go out there and try to make themselves happy. They don’t try to pretend to save the world,” The problem is that middle class people see that as a negative––and it’s keeping them poor, he writes. “If you’re not taking care of you, you’re not in a position to help anyone else. You can’t give what you don’t have.”

3. Average people have a lottery mentality. Rich people have an action mentality.
一般人成天只想著中樂透發財,有錢人靠行動賺錢。

“While the masses are waiting to pick the right numbers and praying for prosperity, the great ones are solving problems,” Siebold writes.
“The hero [middle class people] are waiting for may be God, government, their boss or their spouse. It’s the average person’s level of thinking that breeds this approach to life and living while the clock keeps ticking away.” 
From Steve Siebold, author of “How Rich People Think”

4. Average people think the road to riches is paved with formal education. Rich people believe in acquiring specific knowledge.
一般人認為多念書就能致富,有錢人相信要致富需靠一技之長。

“Many world-class performers世界級/一流的富有行家 have little formal education, and have amassed累積 their wealth財富 through the acquisition and subsequent sale of specific knowledge,” he writes. “Meanwhile, the masses are convinced that master’s degrees and doctorates are the way to wealth, mostly because they are trapped in the linear line of thought困在直線思考裡面 that holds them back from 阻止他們higher levels of consciousness…The wealthy aren’t interested in the means, only the end有錢人在乎的不是手段,而是結果.

5. Average people long for the good old days. Rich people dream of the future.
一般人緬懷過去的美好時光,有錢人對未來懷抱夢想。

“Self-made millionaires get rich because they’re willing to bet on賭一把 themselves and project their dreams, goals and ideas into an unknown future,” Siebold writes. “People who believe their best days are behind them rarely get rich, and often struggle with unhappiness and depression.”

6. Average people see money through the eyes of emotion. Rich people think about money logically.
一般人以感性的態度面對金錢,有錢人則以邏輯的理性方式對待錢。

“An ordinarily smart, well-educated and otherwise successful person can be instantly transformed into a fear-based, scarcity driven thinker whose greatest financial aspiration is to retire comfortably,” he writes. “The world class sees money for what it is and what it’s not, through the eyes of logic. The great ones know money is a critical tool that presents options and opportunities.”

7. Average people earn money doing things they don’t love. Rich people follow their passion.
一般人為了賺錢得忍受不喜歡的工作。有錢人跟著工作熱情走。

“To the average person, it looks like the rich are working all the time,” Siebold says. “But one of the smartest strategies of the world class is doing what they love and finding a way to get paid for it.做自己喜歡的事情之餘,還能找出一個方法來讓賺錢 On the other hand, middle class take jobs they don’t enjoy “because they need the money and they’ve been trained in school and conditioned by society to live in a linear thinking world that equates earning money with physical or mental effort.”

8. Average people set low expectations so they’re never disappointed. Rich people are up for the challenge.
一般人對人生設定低標,好避免失望。有錢人只接受挑戰

“Psychologists and other mental health experts often advise people to set low expectations for their life to ensure they are not disappointed,” Siebold writes.
“No one would ever strike it rich and live their dreams without huge expectations.”

9. Average people believe you have to DO something to get rich. Rich people believe you have to BE something to get rich.
一般人認為,賺錢行動要快。有錢人則懂得放長線釣大魚。

“That’s why people like Donald Trump go from millionaire to nine billion dollars in debt and come back richer than ever,” he writes.
“While the masses are fixated on念念不忘 the doing and the immediate results of their actions, the great ones are learning and growing from every experience, whether it’s a success or a failure, knowing their true reward is becoming a human success machine that eventually produces outstanding results.”

10. Average people believe you need money to make money. Rich people use other people’s money.
一般人相信能用自己的錢去滾錢,有錢人用別人的資金滾出自己的錢。

Linear thought might tell people to make money in order to earn more, but Siebold says the rich aren’t afraid to fund their future from other people’s pockets. “Rich people know not being solvent enough沒有足夠能力償付 to personally afford something is not relevant. The real question is, ‘Is this worth buying, investing in, or pursuing?’” he writes.

11. Average people believe the markets are driven by logic and strategy. Rich people know they’re driven by emotion and greed.
一般人深信金錢遊戲是靠邏輯與策略運作。有錢人知道金錢市場裡面只有貪婪與情緒。

Investing successfully in the stock market isn’t just about a fancy math formula.
“The rich know that the primary emotions that drive financial markets are fear and greed, and they factor this into all trades and trends they observe,” Siebold writes. “This knowledge of human nature人性 and its overlapping impact重疊效應 on trading give them strategic advantage in building greater wealth through leverage.”

12. Average people live beyond their means. Rich people live below theirs.
一般人經常入不敷出,有錢人的錢多到花不完。

“Here’s how to live below your means有盈餘,不是入不敷出 and tap into切入/了解 the secret wealthy people have used for centuries: Get rich so you can afford to,” he writes.
“The rich live below their means, not because they’re so savvy聰明, but because they make so much money that they can afford to live like royalty while still having a king’s ransom大把鈔票 socked away留起來 for the future.”

13. Average people teach their children how to survive. Rich people teach their kids to get rich.
一般人教導孩子生存之道,有錢人教導孩子致富之道。

Rich parents teach their kids from an early age about the world of “haves” and “have-nots,” Siebold says. Even he admits many people have argued that he’s supporting the idea of elitism.
He disagrees.
“[People] say parents are teaching their kids to look down on the masses because they’re poor. This isn’t true,” he writes. “What they’re teaching their kids is to see the world through the eyes of objective reality透過客觀的現實來看事情   -   the way society really is.” If children understand wealth early on, they’ll be more likely to strive for it 為了某個目標致力去達成later in life.

14. Average people let money stress them out. Rich people find peace of mind in wealth.
一般人為錢傷神,有錢人用錢養神

The reason wealthy people earn more wealth is that they’re not afraid to admit that money can solve most problems, Siebold says.
“[The middle class] sees money as a never-ending necessary evil that must be endured as part of life. The world class sees money as the great liberator解放/獲得自由, and with enough of it, they are able to purchase financial peace of mind.”

15. Average people would rather be entertained than educated. Rich people would rather be educated than entertained.
一般人生活中只想找樂子,有錢人會在生活中找點子。

While the rich don’t put much stock in furthering wealth through formal education, they appreciate the power of learning long after college is over, Siebold says. “Walk into a wealthy person’s home and one of the first things you’ll see is an extensive library of books they’ve used to educate themselves on how to become more successful,” he writes.
“The middle class reads novels, tabloids and entertainment magazines.”

16. Average people think rich people are snobs. Rich people just want to surround themselves with like-minded people.
一般人覺得有錢人只跟有錢人打交道非常勢利眼。有錢人只相信物以類聚。

The negative money mentality排斥富裕 poisoning the middle class is what keeps the rich hanging out with the rich, he says.
“[Rich people] can’t afford the messages of doom and gloom無法接受江河日下,” he writes. “This is often misinterpreted by the masses as snobbery勢利眼.
Labeling the world class給有錢人貼標籤 as snobs is another way the middle class finds to feel better about themselves and their chosen path of mediocrity選擇一條平庸的道路.”

17. Average people focus on saving. Rich people focus on earning.
一般人只懂得存錢。有錢人則專注於賺錢。

Siebold theorizes that the wealthy focus on what they’ll “gain” by taking risks, rather than how to save what they have.
“The masses are so focused on clipping coupons剪折價券 and living frugally過著節儉的生活 they miss major opportunities,” he writes.
“Even in the midst of 當中a cash flow crisis缺現金的危機, the rich reject the nickel and dime thinking看待金錢不會小鼻子小眼睛 of the masses. They are the masters of focusing their mental energy where it belongs: on the big money.”

18. Average people play it safe with money. Rich people know when to take risks.
一般人理財不敢冒險。有錢人總會在對的時機點賭一把。

Leverage is the watchword of the rich 有錢人善用自己的優勢去得到最大的利益,” Siebold writes.
“Every investor loses money on occasion, but the world class knows no matter what happens, they will always be able to earn more.”

19. Average people love to be comfortable. Rich people find comfort in uncertainty.
一般人喜歡安逸的生活。有錢人只有在不確定的環境下才覺得舒服。

For the most part, it takes guts要有膽識 to take the risks necessary to make it as a millionaire––a challenge most middle class thinkers aren’t comfortable living with. “Physical, psychological, and emotional comfort is the primary goal of the middle class mindset,” Siebold writes.

World class thinkers learn early on that becoming a millionaire isn’t easy and the need for comfort can be devastating對於舒適生活的需求可能是致富的毒藥. They learn to be comfortable while operating in a state of ongoing uncertainty不斷在未知的狀況中運作.”

20. Average people never make the connection between money and health. Rich people know money can save your life.
一般人只顧著賺錢不要命,有錢人知道多金可保命。

While the middle class squabbles over爭執不休 the virtues of Obamacare and their company’s health plan, the super wealthy are enrolled in a super elite “boutique medical care” association, Siebold says. “They pay a substantial yearly membership fee一大筆健康俱樂部年費 that guarantees them 24-hour access to a private physician who only serves a small group of members,” he writes.
“Some wealthy neighborhoods have implemented this strategy and even require the physician to live in the neighborhood.”

21. Average people believe they must choose between a great family and being rich. Rich people know you can have it all.
一般人總覺得家庭與事業是選擇題,有錢人則相信贏者全拿。

The idea the wealth must come at the expense of…的代價 family time is nothing but a “cop-out逃避某些責任的藉口”, Siebold says. “The masses have been brainwashed to believe it’s an either/or equation是非題,” he writes. “The rich know you can have anything you want if you approach the challenge with a mindset 心態rooted in love and abundance.”

By Mandy Woodruff – Business Insider


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