4. MASTER A FORMULA AND THEN LEARN A NEW ONE: The power of learning quickly. In order to make bread, every baker follows a recipe, even if it’s only held in their head. The same is true for making money. That’s why money is often called “dough.”
4、掌握一种模式，然后再学习一种新的模式：快速学习的力量。面包师做面包要遵循某种配方，即使这种配方只是记在脑子里。挣钱也是一样的道理，这也是金钱有时被称作“面包圈”的原因。
When it comes to money, the masses generally have one basic formula they learned in school. And that is, work for money. The formula I see that is predominant in the world is that every day millions of people get up and go to work, earn money, pay bills, balance checkbooks, buy some mutual funds and go back to work. That is the basic formula, or recipe.
在钱的问题上，大多数人一般只知道一个基本的挣钱公式，这个公式是他们从学校学来的，就是为了金钱而工作。在我看来，这个公式是在全世界占支配地位的一个公式：千百万人每天起床，上班，挣钱，支付账单，平衡支票簿，购买共同基金，然后再回去工作。 这是一个普遍的、基本的公式或配方。
Most of us have heard the saying “You are what you eat.” I have a different slant on the same saying. I say, “You become what you study.” In other words, be careful what you study and learn, because your mind is so powerful that you become what you put in your head. For example, if you study cooking, you then tend to cook. You become a cook. If you don’t want to be a cook anymore, then you need to study something else. Let’s say, a schoolteacher. After studying teaching, you often become a teacher. And so on. Choose what you study carefully.
我们大都听说过这样一句谚语：“你吃的是你自己。”我有一句意义相近但说法不同的话：“你学习什么，就会成为什么样的人”。也就是说，你得注意你所要学习的内容，因为你的精神力量非常强大，你学到了什么，就会成为什么样的人。例如，你学习烹饪，你就会去做烹任，然后就成为一名厨师。如果你不想再做厨师，那你就要学习其他东西，比如说学些师范课程成为一名学校教师。所以，一定要仔细挑选自己学习的内容。
So after I mastered that formula, I went in search of other formulas. For many of the classes, I did not use the information I learned directly, ‘i| but I always learned something new.
因此，我又开始寻找其他的公式。对于许多我参加过的短期培训班来说，或许我并没有直接使用过所学到的信息，但我还是从中学习到许多新的东西。
I have attended classes designed for only derivative traders, also a class for commodity option traders and a class for Chaologists. I was way out of my league, being in a room full of people with doctorates in nuclear physics and space science. Yet, I learned a lot that made my stock and real estate investing more meaningful and lucrative. Most junior colleges and community colleges have classes on financial planning and buying of traditional investments. They are great places to start.
我曾经参加过专门为金融行生工具交易商举办的辅导班，也参加过为商品期权交易商举办的辅导班和为初学者举办的学习班。我还远离自己的职业领域，与许多核物理学和空间科学方面的学者一起讨论问题。尽管我不会去搞核电站或航天飞机，但我从中了解到的新知识和新机会却使我的股票和房地产投资更加丰富和有利可图。 大部分专科大学和社区大学都设有财务计划和传统投资方面的辅导班，这是非常好的起步时的去处。
If you’re tired of what you’re doing, or you’re not making enough, it’s simply a case of changing the formula via which you make money.
如果你对自己所做工作感到厌倦且挣钱又不够多，那么很简单，这正是你改变自己挣钱公式的时候了。
Years ago, when I was 26,1 took a weekend class called “How to Buy Real Estate Foreclosures.” I learned a formula. The next trick was to have the discipline to actually put into action what I had learned. That is where most people stop. For three years, while working for Xerox, I spent my spare time learning to master the art of buying foreclosures. I’ve made several million dollars using that formula, but today, it’s too slow and too many other people are doing it.
多年前，当我26岁时，我参加了一个周末班，内容是“如何购买破产房地产”。在那里我学到了一个公式并开始试着将我所学到的规则付诸实施，而这一步正是许多人没能做到的事情。在为施乐公司工作的三年中，我用业余时间学习并掌握了购买破产财产的技巧，运用这个公式，我赚取了数百万美元。但是过了一段时间，这个公式变得不那么好用了，因为开始有其他许多人也在这样做了。
Another side note. In today’s fast-changing world, it’s not so much what you know anymore that counts, because often what you know is old. It is how fast you learn. That skill is priceless. It’s priceless in finding faster formulas-recipes, if you will, for making dough. Working hard for money is an old formula born in the day of cave men.
补充说一句，在今天这个快速变化的世界中，并不要求你去学太多的东西，因为当你学到时往往已经过时了，问题在于你学得有多快，也就是我前面所说的要具备快速学习的能力，这种技能是无价之宝。如果你想赚到钱，寻找一条捷径是非常关键的。 为金钱而工作是人类在穴居时代产生的一个公式，它早已过时了。
So I always search for a faster formula. That is why, on a fairly regular basis, I make more in a day than many people will make in their lifetime.
我总是在寻找赚钱更迅速的公式，这就是为什么在条件差不多的情况下，我每天所挣的钱总是比许多人在一生当中所挣的钱还要多。
5. PAY YOURSELF FIRST: The power of self-discipline. If you cannot get control of yourself, do not try to get rich. You might first want to join the Marine Corps or some religious order so you can get control of yourself. It makes no sense to invest, make money and blow it. It is the lack of self-discipline that causes most lottery winners to go broke soon after winning millions. It is the lack of self-discipline that causes people who get a raise to immediately go out and buy a new car or take a cruise.
5、首先支付自己：自律的力量。如果说你不能控制自己，就别想着能致富。你可能首先想通过加入海军特种部队或宗教团体来约束自己，但我相信这样做对于投资、挣钱和花钱来说毫无意义。正是因为缺乏自律，大部分彩票中奖者在赢得数百万美元后很快就破产了。也正是由于缺乏自律，人们得到提薪后立即出去购买新车或去乘船旅游，其结果是生活比提薪前显得更加窘困。
It is difficult to say which of the ten steps is the most important. But of all the steps, this step is probably the most difficult to master if it is not already a part of your makeup. I would venture to say that it is the lack of personal self-discipline that is the No. 1 delineating factor between the rich, the poor and the middle class.
很难说这十个步骤中哪一个最重要，但对于所有这些步骤来说，第五个步骤是最难以掌握的，如果它不是你习惯于去做的事情的话。我要冒昧说一句：是否缺乏自律是将富人、穷人和中产阶级区分开来的首要因素。
1. Management of cash flow.
1、现金流量管理；
In the entrepreneur classes I teach, I constantly remind people to not focus on their product, service or widget, but to focus on developing management skills. The three most important management skills necessary to start your own business are:
在我教过的企业家培训班中，我经常提醒人们，不要仅将自己的注意力集中于自己的产品、服务或生产设备，而是要集中于开发管理才能。开创你自己的事业所必备的最重要的三种管理技能是：
2. Management of people.
2、人事管理；
I would say, the skills to manage these three apply to anything, not just entrepreneurs. The three matter in the way you live your life as an individual, or as part of a family, a business, a charitable organization, a city or a nation.
我想说，这三项管理技能不仅适用于企业，而且适用于任何事情。比如，你对自己日常生活的管理或对家庭、企业、慈善组织、城市及国家等的管理。
3. Management of personal time.
3、个人时间管理。
Simply put, people who have low self-esteem and low tolerance for financial pressure can never, and I mean never, be rich. As I have said, a lesson learned from my rich dad was that “the world will push you around.” The world pushes people around not because other people are bullies, but because the individual lacks internal control and discipline. People who lack internal fortitude often become victims of those who have self-discipline.
简单地说，那些不太自信、对财务压力忍耐性差的人永远不会成为富人。正如我说过的那样，我从富爸爸那里学到了一条经验：“生活推着你转”。生活之所以推着你转，不是因为驱使你的人很厉害，而是因为你个人缺乏自我控制和纪律性。那些缺乏内在坚毅的人往往会成为那些自律性很强的人的牺牲品。
Each of these skills is enhanced by the mastery of self discipline. I do not take the saying “pay yourself first” lightly.
自律精神可以增强上述的任何一项技能。我非常重视“首先支付自己”这句话。
The Richest Man in Babylon, by George Classen, is where the statement “pay yourself first” comes from. Millions of copies have been sold. But while millions of people freely repeat that powerful statement, few follow the advice. As I said, financial literacy allows one to read numbers, and numbers tell the story. By looking at a person’s income statement and balance sheet, I can readily see if people who spout the words “pay yourself first” actually practice what they preach.
“首先支付自己”这句话出自乔治。克拉森写的《巴比伦最富有的人》一书。这本书卖出了数百万册，数百万的人熟练地重复这句话，却鲜有人遵循这一建议。我说过，财务知识使人能够读懂数字以及看懂数字背后所发生的事情。通过一个人的损益表和资产负债表，我可以很容易地看出一个人是否将嘴边念叨着的“首先支付自己”这句话付诸了实施。
People who pay themselves first
先支付自己的人：
Someone who pays everyone else first — Often there is nothing left
先支付别人的人：
A picture is worth a thousand words. So let’s again compare the financial statements of people who pay themselves first against someone who doesn’t.
百闻不如一见。让我们再来比较一下遵循“首先支付自己”与遵循“先支付别人”这两种人的财务报表的区别。
Assets | Liabilities -> Expense
资产和债务 → 支出
Study the diagrams and notice if you can pick up some distinctions. Again, it has to do with understanding cash flow, which tells the story. Most people look at the numbers and miss the story. If you can truly begin to understand the power of cash flow, you will soon realize what is wrong with the picture on the next page, or why 90 percent of most people work hard all their lives and need government support like Social Security when they are no longer able to work.
你能明白上表两者间的差别吗？这还是跟现金流有关。许多人只关注了数字，却忘了数字背后代表的含义。如何你真能真正开始理解现金流的作用，你就会发现下一页中的错误，明白为什么90%的人一辈子都勤勤恳恳的工作，但只要一不工作就得靠政府援助过日了。
Job -> Income
工作 → 收入
Job -> Income -> Expense -> Nothing left -> Assets | Liabilities
工作 → 收入 → 支出 → 一文不剩 → 资产|债务
There have been months in my life, when for whatever reason, cash flow was far less than my bills. I still paid myself first. My accountant and bookkeeper screamed in panic. “They’re going to come after you. The IRS is going to put you in jail.”, “You’re going to ruin your credit rating.”, “They’ll cut off the electricity.” I still paid myself first.
在过去的生活当中曾有过数月，出于种种原因，我的现金流量远低于应付账单的数额，但我仍然首先支付给自己，首先去满足我个人资产项下的需求。我的会计师和簿记员感到非常吃惊，“他们会找你讨债的，国内收人署会把你投人监狱的”、“你这样做是在毁掉自己的信用级别”、“他们会切断电源”，我不为所动，继续首先支付自己。
Now I can hear the howls from those of you who sincerely believe in paying your bills first. And I can hear all the “responsible” people who pay their bills on time. I am not saying be irresponsible and not pay your bills. All I am saying is do what the book says, which is “pay yourself first.” And the diagram above is the correct accounting picture of that action. Not the one that follows.
此刻，我能听到那些并不相信应该“首先支付自己”的人在嘲笑我，我也可以听到所有按时支付账单的“负责任的”人的笑声。其实，我不是说要人们不负责任、不付账单，我所说的只是要像那本书中所说的那样：“首先支付自己”。
Do you see it? The diagram above reflects the actions of an individual who chooses to pay himself first. Each month, they allocate money to their asset column before they pay their monthly expenses. Although millions of people have read Classen’s book and understand the words “pay yourself first,” in reality they pay themselves last.
你能懂吗？上图显示了先支付自己的人的消费行为。每个月，他们把钱先花在资产上。尽管数百万人都读了克莱森的书，也明白先支付自己代表的含义，但是在现实生活中还是选择先支付别人。
My wife and I have had many bookkeepers and accountants and bankers who have had a major problem with this way of looking at “pay yourself first.” The reason is that these financial professionals actually do what the masses do, which is pay themselves last. They pay everyone else first.
我和我妻子的许多簿记员、会计师和银行家对我们看待“首先支付自己”这句话的态度抱有很大的疑问。究其原因，实在是因为这些财务专家在实际生活中也同大多数人一样，最后才支付给自己，他们首先支付给其他所有的人。
I am not saying be irresponsible. The reason I don’t have high credit card debt, and doodad debt, is because I want to pay myself first. The reason I minimize my income is because I don’t want to pay it to the government. That is why, for those of you who have watched the video The Secrets of the Rich, my income comes from my asset column, through a Nevada corporation. If I work for money, the government takes it.
我不是在提倡不负责任的做法，我没有高额信用卡债务以及消费债务的原因，是我想首先支付自己。我减少自己收入的原因是我不想让政府从中拿走太多，就像你们中的一些人看过的录像片（富人的秘密）中反映的那样，但我或许会通过一家内华达的企业从我的资产项目中来获取收人。因为如果我为金钱而工作，政府就会拿走相当一部分。
“Why?” you ask. Because that’s what the story The Richest Man In Babylon was all about. The power of self-discipline and the power of internal fortitude. “Guts,” in less elegant terms. As my rich dad taught me the first month I worked for him, most people allow the world to push them around. A bill collector calls and you “pay or else.” So you pay and not pay yourself. A sales clerk says, “Oh, just put it on your charge card.” Your real estate agent tells you to “go ahead — the government allows you a tax deduction on your home.” That is what the book is really about. Having the guts to go against the tide and get rich. You may not be weak, but when it comes to money, many people get wimpy.
“为什么呢？”你会问，因为《巴比伦最富有的人》一书中所讲的一切，因为自律的力量和内在坚毅的力量，用通俗一点的话说，那就是“胆量”。在我为富爸爸工作的第一个月里，他教我认识到大部分人是如何接受外界驱使的。一位讨债人打电话来请你“支付”，所以你就支付给他而不支付给自己。你的房地产代理人告诉你“接着干——政府会给你的房子以税收减免”，于是你就相信了他。这本书真正的目的是要告诉你：有胆量不随大溜才能致富。你可能并不是一个软弱的人，但是一旦涉及到金钱，许多人往往会怯懦起来。
Although I pay my bills last, I am financially astute enough to not get into a tough financial situation. I don’t like consumer debt. I actually have liabilities that are higher than 99 percent of the population, but I don’t pay for them; other people pay for my liabilities. They’re called tenants. So rule No. 1 in paying yourself first is don’t get into debt in the first place. Although I pay my bills last, I set it up to have only small unimportant bills, that I will have to pay.
我最后才支付账单，但我却能靠足够的财商来度过财务难关。我不喜欢负债消费，而我确实拥有比绝大多数人都要高的负债，只是我从不支付它们：自有其他人来为我支付，他们被称为房客。因此第一条法则“首先支付自己”不会使你一下子陷人债务。我的确是最后才支付账单，支付一些少量的、无足轻重的账单。
Secondly, when I occasionally come up short, I still pay myself first. I let the creditors and even the government scream. I like it when they get tough. Why? Because those guys do me a favor. They inspire me to i go out and create more money. So I pay myself first, invest the money, and let the creditors yell. I generally pay them right away anyway. My wife and I have excellent credit. We just don’t cave into the pressure and spend our savings or liquidate stocks to pay for consumer debt. That is not too financially intelligent.
其次，当我偶尔资金短缺时，我仍然首先支付自己。我宁愿让债权人和政府高声喊叫，他们越着急我越高兴。为什么？因为这些人在为我摇旗呐喊，他们在激励我出去挣更多的钱。因此我首先支付自己，进行投资，然后让债权人大喊大叫，但我都会清偿债务，我和我妻子都有着良好的信用，我们不会陷人债务危机，或靠动用储蓄、卖出股票来偿付消费债务，因为这样做在财务上就太不明智了。
2. When you come up short, let the pressure build and don’t dip into your savings or investments. Use the pressure to inspire your financial genius to come up with new ways of making more money and then pay your bills. You will have increased your ability to make more money as well as your financial intelligence… : So many times I have gotten into financial hot water, and used my brain to create more income, while staunchly defending the assets in my asset column. My bookkeeper has screamed and dived for cover, but I was like a good trooper defending the fort, Fort Assets.
2、当你资金短缺时，去承受外在压力而不要动用你的储蓄或投资，利用这种压力来激发你的财务天赋，想出新办法挣到更多的钱，然后再支付账单。这样做，不但能提高你赚钱的能力，还能提高你的财商。 许多次我曾陷入财务困境中，但通过动脑筋想办法反而创造出更多的收人，我坚定地维护了我资产的安全和完整。我的簿记员会不知所措，急忙还债，可我就像一位坚强的战士一样坚守着城堡——我的资产堡垒。
1. Don’t get into large debt positions that you have to pay for. Keep your expenses low. Build up assets first. Then, buy the big house or nice car. Being stuck in the rat race is not intelligent.
1、不要背上数额过大的债务包袱。要使自己的支出保持低水平。首先增加自己的资产，然后，再用自己的资产中产生的现金流购买大房子或好车子。陷在“老鼠赛跑”中不是明智的选择。
So the answer is:
所以，答案就是：
Poor people have poor habits. A common bad habit is innocently called “Dipping into savings.” The rich know that savings are only used to create more money, not to pay bills.
穷人有不好的习惯，一个普遍的坏习惯是随便“动用储蓄”。富人知道储蓄只能用于创造更多的钱，而不是用来支付账单。
I know that sounds tough, but as I said, if you’re not tough inside, the world will always push you around anyway.
我知道这样说听起来很刺耳，但是正如我说过的那样，如果你意志不够坚定，那么无论如何，你只能让世界推着你转。
If you do not like financial pressure, then find a formula that works for you. A good one is to cut expenses, put your money in the bank, pay more than your fair share of income tax, buy safe mutual funds and take the vow of the average. But this violates the “pay yourself first” rule.
你如果不喜欢财务压力，那就找一个适合你的公式，例如减少支出，把钱存在银行，支付超过正常水平的所得税，购买安全的共同基金，按照一般人的做法行事。可是这样就违背了“首先支付自己”的原则。
6. PAY YOUR BROKERS WELL: The power of good advice. I often see people posting a sign in front of their house that says, “For Sale by Owner.” Or I see on TV today many people claiming to be “Discount Brokers.”
6、给你的经纪人以优厚报酬：好建议的力量。我经常看到人们在自己的房子前面插上一块牌子，上书：“房主直接出售，中介兔谈”，或者像今天我从电视中听到的话：“对经纪人的话要打折扣”。
My rich dad taught me to take the opposite tack. He believed in paying professionals well, and I have adopted that policy also. Today, I have expensive attorneys, accountants, real estate brokers and stockbrokers. Why? Because if, and I do mean if, the people are professionals, their services should make you money. And the more money they make, the more money I make.
我的富爸爸教我采取与这些人相反的做法。他坚持给予专业人士以优厚报酬，而我也采纳了这一政策。今天，我雇有身价昂贵的律师、会计师、房地产经纪人以及股票经纪人。为什么要这样做呢？因为我认为，如果他们是专业人才的话，他们的服务就会为你创造财富，而且他们创造的财富越多，我挣到的钱也越多。
The rule does not encourage self-sacrifice or financial abstinence. It doesn’t mean pay yourself first and starve. Life was meant to be enjoyed. If you call on your financial genius, you can have all the goodies of life, get rich and pay bills, without sacrificing the good life. And that is financial intelligence.
这一原则不鼓励自我牺牲或财务紧缩，它并不意味着首先支付自己然后挨饿。生活应当是快乐的，如果你唤醒自己的财务天赋，你就有机会拥有很多人生中美好的东西：致富并不以牺牲舒适生活为代价地支付账单。这就是财商。
We live in the Information Age. Information is priceless. A good broker should provide you with information as well as take the time to educate you. I have several brokers who are willing to do that for me. Some taught me when I had little or no money, and I am still with them today.
我们生活在信息时代，信息是无价的。一位好的经纪人应该给你提供信息，同时还应花时间来教育你。我有几位经纪人愿意为我这样做，有些人在我没钱或钱很少的时候仍在教我，所以我今天也一直任用他们。
A good broker saves me time in addition to making me money — as when I bought the piece of vacant land for $9,000 and sold it immediately for over $25,000, so I could buy my Porsche quicker.
一位好的经纪人不仅为我赚来了钱，而且还为我节省了时间。这样，当我以9000美元购得一块闲置地皮然后立即转手以2.5万美元卖出的同时，我还能很快去买一辆保时捷。
Also, people who sell their house on their own must not value their time much. Why would I want to save a few bucks when I could use that time to make more money or spend it with those I love? What I find funny is that so many poor and middle class people insist on tipping restaurant help 15 to 20 percent even for bad service and complain about paying a broker 3 to 7 percent. They enjoy tipping people in the expense column and stiffing people in the asset column. That is not financially intelligent.
此外，直接出售自己房子的人也很难足额估计自己房产的价值，既然如此，为什么不花一点小钱，用它来换口时间去挣更多的钱呢？我感到奇怪的是，许许多多的穷人和中产阶级宁愿为餐馆糟糕的服务支付15％～20％的小费，却抱怨支付给经纪人3％～7％的佣金。他们在费用支出项目上慷慨地支付小费，却在资产项目上对人极为吝啬，这样做在财务上显然是不明智的。
What I pay a broker is tiny in comparison with what kind of money I can make because of the information they provide. I love it when my real estate broker or stockbroker makes a lot of money. Because it usually means I made a lot of money.
我付给经纪人的钱同我根据他们提供信息而赚得的钱相比，只是一小部分。我乐意见到我的房地产经纪人或股票经纪人赚到很多的钱，因为这通常意味着我也赚到了很多的钱。
A broker is your eyes and ears to the market. They’re there every day so I do not have to be. I’d rather play golf.
经纪人是你在市场上的“眼睛”和“耳朵”，他们代替我整天密切注视着市场，而我可以去打高尔夫球。
They sell, but they themselves own little or no real estate. There is a tremendous difference between a broker who sells houses and a broker who sells investments. And that is true for stock, bond, mutual fund and insurance brokers who call themselves financial planners. As in the fairy tale, you kiss a lot of frogs to find one prince. Just remember the old saying, “Never ask an encyclopedia salesperson if you need an encyclopedia.”
他们卖房产，可他们自己却只拥有极少房地产甚至根本就没有房产。要知道一个出售房子的经纪人与一个出售投资项目的经纪人之间有天壤之别，对那些自称为财务计划专家的股票经纪人、债券经纪人、共同基金经纪人和保险经纪人来说也是一样。盲目使用不称职的经济人就如同童话故事里所讲得那样，你要吻许多只青蛙来寻找一位王子。记住那句古老的格言：“如果你需要一本百科全书，千万别找百科全书推销员。”
All brokers are not created equal. Unfortunately, most brokers are only salespeople. I would say the real estate salespeople are the worst.
但也须指出的是：每个经纪人的能力是不一样的，不幸的是，大部分经纪人仅仅是推销员而已，尤其是某些房地产经纪人。
When I interview any paid professional, I first find out how much property or stocks they personally own and what percentage they pay in taxes. And that applies to my tax attorney as well as my accountant. I have an accountant who minds her own business. Her profession is accounting, but her business is real estate. I used to have an accountant that was a small business accountant, but he had no real estate. I switched because we did not love the same business.
当我同任何提供有偿服务的专家见面时，我首先要弄清楚他们个人到底拥有多少财产或股票以及他们支付税收的比例是多少，这种做法也适用于我的税务师以及我的会计师。 我有一位会计师，她十分关心自己的产业，她的职业是会计，可是她的产业是房地产。我也曾经雇用过一位小企业会计师，但他没有房地产，最终我解雇了他，因为我们感兴趣的领域不一样。
Find a broker who has your best interests at heart. Many brokers will.’; spend the time educating you, and they could be the best asset you find. Just be fair, and most of them will be fair to you. If all you can think about is cutting their commissions, then why should they want to be around you? It’s just simple logic.
要找一位对你的利益很关心的经纪人。许多经纪人会花时间来教育你，那么他们可能是你找到的最好的资产。你公平地对待他们，他们大多会公平地对待你。如果你总是琢磨着减少付给他们的佣金，那么他们凭什么愿意尽力为你的利益服务呢？这是很简单的逻辑。
As I said earlier, one of the management skills is the management of people. Many people only manage people they feel smarter than and they have power over, such as subordinates in a work situation. Many middle managers remain middle managers, failing to get promoted because they know how to work with people below them, but not with people above them. The real skill is to manage and pay well the people who are smarter than you in some technical area. That is why companies have a board of directors. You should have one, too. And that is financial intelligence.
我曾经说过，人事管理是重要的管理技能之一。许多人只会管理没有自己聪明的人或者没有自己能力强的人，比如工作中的下属。许多中层管理人员一直停留在中级管理层而得不到提升，就是因为他们只知道如何同职位低于自己的人一道工作，却不善于同比自己职位高的人一道工作。真正的技能是能够管理在某些技术领域比你更聪明的人并给他们以优厚的报酬。这也是公司拥有一个顾问委员会的原因，你应该有这种顾问，而这也是你的财商。
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