13條致富秘訣，看看如何變成有錢人？

For over a week I』ve been listening to The Millionaire Mind by Thomas J. Stanley while commuting in my car. He interviewed 1000 millionaires since 1980 and taken very meticulous surveys of their responses.

一周以來，當我在開車時，我一直在收聽由托馬斯。斯坦利主持的「富翁智慧」。自從1980年以來，他採訪了1000位百萬富翁並對他們的應答作了仔細的調查。

Not only have I gained dozens of GEMS about what it takes to becoming a Millionaire from this program, but I learned to think different. I learned to think the way millionaire』s think, or so I hope!

從這個節目中，我不僅收穫了許多關於如何成為一個百萬富翁的秘訣，我更學到了要以不同的方式去思考。我希望我學會了富翁們思考的方法。

One of the interesting survey questions is what all of those millionaires contributes their success to. So without further ado, here is a list of their top 13, from most important to least (but still really important). With my commentary.

這些調查的問題中很有意思的一個問題是詢問那些富翁，他們將他們的成功歸功於什麼？那麼，廢話少說，下面就是這13條秘訣按重要性從大到小(仍然是很重要的方面)的列表，我分別對它們作了評論。

Success Factors:

成功的要素：

1. Being honest with all people. The great thing about this factor is that it is accessible to anyone and you can start right away. Just be honest. It sounds simple, but it requires a bit of courage at some points. So do it- it』s the top success factor.

對所有的人都要真誠。 這一點的妙處在於可以使你接近任何人，你可以立刻開始執行這一條秘訣。

2. Having a supportive spouse. While being attracted to someone is really important, perhaps even necessary, it』s not the criteria by which one should go spouse-shopping. I would personally say, and the millionaires would agree, that having a kind, supportive spouse, who has similar goals, and is responsible is more important.

擁有一個支持你的伴侶。 雖然吸引你是很重要的一點，甚至可以說是必須的一點，但這並不是選擇伴侶的標準。我個人認為一個善良，支持你，和你有著相似人生目標，有責任感的伴侶是更重要的。這一點，那些富翁們也會贊同。

3. Getting along with people. I can』t thing of having any job, business, or career that has zero involvement with people and has monetary value. You can see how this would be in the top 3, right?

會與人相處。 我認為沒有一個賺錢的工作，生意，事業是與人沒有關係的。這樣，你知道為什麼這一條要素在三甲之列吧？

4. Loving career or business. The passion and love for your career will make work not work anymore. Sure it might be really hard at times. When you combine the passion with your discipline you will be propelled to new heights.

熱愛你的事業或生意。 對你事業的激情和愛將是你的工作不僅僅只是工作。當然有時要做到這點很難，但當你將激情與規矩結合起來時，你將上升到新的高度。

5. Being physically fit. I stress this in many posts- exercise. If you aren』t taking care of your health, than your mind and body are not working optimally.

有一個健康的身體。 我強調工作期間的鍛煉，如果你不注意你的健康，那麼你的精神與身體是無法理想地工作的。

6. Having strong leadership qualities. When it comes down to it you will want to delegate as much as you can and concentrate on more important issues. There is only one of you. having this skill is a top priority.

有很強的領導力。 要做到這點，你應該有許多有能力代表你做事的人，越多越好，這主要集中體現在在較大的項目上。你自己只有一個人。學會這個技巧是至關重要的。

7. Making wise investments.You can make high 6 figure incomes, but if the money doesn』t grow, or if you put it into losing investments than you aren』t optimizing your assets. You』re basically spinning your wheels and wasting your time. You want to reach a point where you could live off of the interest of your investments!

做精明的投資。 你可以賺到6位數的收入，但是如果你不使你的錢增長，或是將其投入失敗的投資，那麼你就沒有優化配置你的資產，你只是在做無用功，浪費你的時間。你想要達到一種狀態，那就是你可以靠你投資的利息生活。

8. Seeing business opportunities. The truth is if you』re in a niche market that is over saturated you』re going to have too much competition to make a real difference. Sure you might rise to the top, but that』s like the chance of you becoming a rock star- slim. If money is what you』re after, not the dream of being number 1 in 『that』 field, than find an unoccupied niche.

識別商機。 事實上，在一個過度飽和的機會市場上，為了衝出重圍，獨領風騷，你要參與近很多的競爭。當然你有可能達到領先，但那種可能性就像要成為一個搖滾歌星般渺茫。如果你追求的金錢而非做該行的「老大」，那麼，發掘一片藍海是最好的。

9. Being willing to take financial risk given the right return. One of the ways that I look at this is the financial risk of working for yourself instead of a big company. Yes, you』re risking you X-figure a year job, but the return that you could possibly get is way greater than this. Combined with #8 (seeing opportunities)， and doing market research, the risk is much less than you think.

願意接受那些帶來相當的回報的金融風險。 我理解這一條的一種角度是這種金融風險是為自己而非為了大公司。是的，你以你一年好幾位數的年薪為賭注，但你的回報是你可能可以獲得數倍的回報。將這一點與第八條相結合併做市場研究，風險就會比你想像的小得多。

10. Having good mentors. Learning amazing qualities from highly successful people is easier than learning the road on your own. Once your mentality is in the right place, actions are performed, and success follows.

有許多良師益友。 從一些超級成功的人們那裡學習優秀品質要比你自己摸索容易。當你的思想正確了，行動到位了，成功就來了。

11. Investing in my own business. You have much more control over your own business than you do in the stock market. You can expand, make higher end products, or do whatever it takes to increase your own income.

投資自己的事業。 在自己的事業上，你有著比在股市中多得多的掌控力。你可以擴張發展，製造更高端的產品，或者做其它任何可以增長收入的事情。

12. Living below your means. If your expenses are raising as fast as your income you』re never going to save a good amount- no matter what you』re income. When you live before your means and your income raises, do not increase your expenses. This gap will keep getting bigger and bigger and so will your net worth.

以低於你收入水平的標準來生活。 無論你的收入多少，如果你生活消費的增長速度與你的收入成正比的話，你永遠不會存不了「大錢」。當你以低於你收入水平的標準來生活，而你的收入增加時，不要增多你的花費。這個差額會越來越大，你的資本凈值也會越來越多。

13. Having excellent investment advisers. The truth is unless you』re an investment expert you don』t know the best place to put your money. The best people to execute your investments are financial advisers, but according to real millionaires the best people to give financial advice are knowledgeable CPAs and Lawyers。

有許多出色的投資顧問。 事實上，除非你自己就是一個投資專家，你不會知道投資什麼最好。金融顧問們是幫你投資的最好人選，但是據那些大富豪所說，最好的金融顧問是知識淵博的註冊會計師們和律師們。

All that』s left now is the hack your life by implementing these 13 success secrets and you』re on your way!

你剩下來要做的就是執行這13條要訣來改造你的生活，立刻就行動起來吧！