But if you have dreams of freedom — of getting out of the rat race — the first question to ask yourself is, “How do I respond to failure?” If failure inspires you to win, maybe you should go for it — but only maybe. If failure makes you weak or causes you to throw temper tantrums — like spoiled brats who call an attorney to file a lawsuit every time something does not go their way — then play it safe. Keep your daytime job. Or buy bonds or mutual funds. But remember, there is risk in those financial instruments also, even though they are safer.
但以安全的方式进行投资，就要尽早起步，要早点开始积累你的“鸡蛋”，因为以这种方式积累需要大量的时间。 然而，假使你梦想得到财务自由——从“老鼠赛跑”般的忙忙碌碌中解脱出来，你要自问的第一个问题应该是：“我该如何去面对失败叩如果失败能激励你去争取胜利，可能你就应该去争取每一次投资机会——但仅仅是可能；如果失败会使你损失惨重，或者使你烦躁不安，你就会像一个愣头青一样遇到什么不如意的事情就打电话找律师提起诉讼，那就最好做稳妥性的投资，继续你的日常工作，或许购买些债券、共同基金，但是要记住，这些工具也同样存在风险，即使它们要较为安全一些。
If you have any desire of being rich, you must focus. Put a lot of your eggs in a few baskets. Do not do what poor and middle class people do: put their few eggs in many baskets.
如果你有致富的愿望，你必须集中精力。把很多鸡蛋放在较少的篮子里（当然你还要确信篮子的结实程度）。不要把很少的鸡蛋放在许多篮子里。
If you hate losing, play it safe. If losing makes you weak, play it safe. Go with balanced investments. If you’re over 25 years old and are terrified of taking risks, don’t change. Play it safe, but start early. Start accumulating your nest egg early because it will take time.
如果你不愿失败，那就安全地投资；如果损失会使你元气大伤，那就稳妥一点，去做一个平衡的投资。你要是已经超过了25岁，并且割怕冒险，那就不要改变自己的投资方式。
Thomas Edison was not balanced. He was focused. Bill Gates was not balanced. He was focused. Donald Trump is focused. George Soros is focused. George Patton did not take his tanks wide. He focused them and blew through the weak spots in the German line. The French went wide with the Maginot Line, and you know what happened to them.
爱迪生不追求平衡，他集中精力于某样东西；比尔。盖茨也不追求平衡；索罗斯把注意力紧紧盯在一点上；乔治。巴顿从不会把他的坦克布署在很长的战线上，而是把坦克集中起来攻击德国防线上最薄弱的地方，与此相反，法国人布置了漫长的马奇诺防线，其结局众所周知。
Reason No. 2. Overcoming cynicism. “The sky is falling. The sky is falling.” Most of us know the story of “Chicken Little,” who ran around warning the barnyard of impending doom. We all know people who are that way. But we all have a “Chicken Little” inside each of us.
原因之二：克服愤世嫉俗的心理。“天要塌下来了，天要塌下来了。”很多人都知道“小鸡的故事”，小鸡总是围着谷仓转，警告即将到来的厄运。我们知道有的人也爱这么做，其实我们每个人内心也都有“小鸡”式的想法。
I say all this, mentioning Texas and Fran Tarkenton, because stacking the asset column is easy. It’s really a low-aptitude game. It doesn’t take much education. Fifth-grade math will do. But staking the asset column ‘J is a high-attitude game. It takes guts, patience and a great attitude toward failure. Losers avoid failing. And failure turns losers into winners.” Just remember the Alamo.
我说了这么多，还列举了得克萨斯人和弗朗。塔肯顿的故事和言论，只是想说明积聚资产项目非常容易，这就好比是玩一场低智能游戏，不需要受到很多教育，五年级数学水平就够了。然而，将资产用于投资却是一种高智商游戏，它需要胆量、耐心和对待失败的良好态度。失败者回避失败，而失败本来是可以使失败者转变为成功者的。所以一定要“记住阿拉莫”。
And as I stated earlier, the cynic is really a little chicken. We all get a little chicken when fear and doubt cloud our thoughts.
就像我前面指出的那样，愤世嫉俗的人简直就像“小鸡”一样，每当他们心里害怕、疑虑的时候，就会表现得像一只“小鸡”。
All of us have doubts. “I’m not smart.”, “I’m not good enough.”, “So ‘$ and so is better than me.” Or our doubts often paralyze us. We play the. “What if?” game. “What if the economy crashes right after I invest?” Or “What if I lose control and I can’t pay the money back?” “What if things don’t go as I planned?” Or we have friends or loved ones who will remind us of our shortcomings regardless of whether we ask. They often say, “What makes you think you can do that?” Or “If it’s such a good idea, how come someone else hasn’t done it?” Or “That will never work. You don’t know what you’re talking about.” These words of doubt often get so loud that we fail to act. A horrible feeling builds in our stomach. Sometimes we can’t sleep. We fail to move forward. So we stay with what is safe and opportunities pass us by. We watch life passing by as we sit immobilized with a cold knot in our body. We have all felt this at one time in our lives, some more than others.
我们会对自己产生怀疑：“我不太精明”、“我不够好”、“谁谁都比我强”等等，怀疑常常使自己寸步难行。我们总是自问“要是这样的话该怎么办”，“要是经济恰好在我投资之后开始衰退怎么办”，或者“要是我失去了工作而不能偿还借款怎么办”。有时我们的朋友或者关系密切的人会主动提醒我们注意自己的某些缺点，他们常常会说，“什么让你认为能做这些事”或者说“如果这是一个好主意，那其他人怎么不做呢”或者是“这不会起什么作用的，你根本不知道自己在说些什么”。这些怀疑的话的影响如此强烈，以至于我们无法将自己的计划付诸行动，可怕的感觉在心中滋生，有时我们甚至由此而夜不能寐。我们无法向前迈进，因为我们想守着那些安全的东西，而机会却从身边溜掉了。我们眼睁睁地看着时光流逝，心中的结使我们无所作为。在生活之中或多或少我们都会产生这样的状态。
Peter Lynch of Fidelity Magellan mutual fund fame refers to warnings about the sky falling as “noise,” and we all hear it.
彼得。林奇，来自“忠诚马吉兰”共同基金，把“天要塌下来”的“警告”比作是“噪音”，而我们都听过这样的“噪音”。
“Noise” is either created inside our heads or comes from outside. Often from friends, family, co-workers and the media. Lynch recalls the time during the 1950s when the threat of nuclear war was so prevalent in the news that people began building fallout shelters and storing food and water. If they had invested that money wisely in the market, instead of building a fallout shelter, they’d probably be financially independent today.
“噪音”既有来自我们头脑内部的，也有来自我们外部的，通常会来自朋友、家庭、同事和新闻媒体。林奇回忆在20世纪50年代，那时候，新闻媒体中充斥着核战争的威胁，人们开始修筑战时掩护所，储存食物和水。如果他们明智地将资金投在市场上，而不是用来建筑战时掩护所，他们今天可能已经实现了财务上的独立自主。
When the riots broke out in Los Angeles a few years ago, gun sales went up all over the country. A person dies from rare hamburger meat in Washington State and the Arizona Health Department orders restaurants to have all beef cooked well-done. A drug company runs a national TV commercial showing people catching the flu. The ad runs in February. Colds go up as well as sales of their cold medicine.
几年前当洛杉矾爆发骚乱时，全国的枪支销售额都上升了。在华盛顿州有个人因吃了汉堡包中的生肉致死，于是亚利桑那州卫生部门命令餐馆将所有的牛肉完全煮熟。一家药品公司在一家全国性电视台商业性地播放人们患上了流感的节目，当感冒患者上升的时候，该公司的感冒药销售额也随之增长。
Most people are poor because when it comes to investing, the world is filled with Chicken Littles running around yelling, “The sky is falling. The sky is falling.” And Chicken Littles are effective because everyone of us is a little chicken. It often takes great courage to not let rumors and talk of doom and gloom affect your doubts and fears.
大部分人之所以贫穷，是因为在他们想要投资的时候，周围到处是跑来跑去的“小鸡”，叫嚷着“天要塌下来了，天要塌下来了”。“小鸡”们的说法很有影响力，并在我们每个人的心中引起共鸣。因此，我们常常需要极大的勇气，不让谣言和杭人忧天式的怀疑加剧我们的恐惧心理和对自己的疑虑。
My wife and I are not real estate agents. We are strictly investors. After identifying a unit in a resort community, we called an agent who sold it to him that afternoon. The price was a mere $42,000 for a two-bedroom townhome. Similar units were going for $65,000. He had found a bargain. Excited, he bought it and returned to Boston.
我和我太太并不是房地产专家，我们仅仅是投资者。在调查了一处位于附近社区的单元房的情况后，我们给一家房地产公司打电话，并由这家公司在那天下午将这套单元房卖给了我的这位朋友。一套两居室的城镇住宅售价仅为4.2万美元，类似的单元要卖到6.5万美元。他找到了一笔廉价交易，于是很高兴地买下了它并回到波土顿。
In 1992, a friend named Richard came from Boston to visit my wife and me in Phoenix. He was impressed with what we had done through stocks and real estate. The prices of real estate in Phoenix were depressed. We spent two days with him showing him what we thought were excellent opportunities for cash flow and capital appreciation.
1992年，我有了个叫理查德的朋友从波士顿来到凤凰城探访我和我太太，他对我们经营股票和房地产非常着迷。当时凤凰城的房地产价格非常低，我们花了两天时间，向他介绍在我们看来是获取现金流和资本收益的那些极好的机会。
Two weeks later, the agent called to say that our friend had backed out. I called immediately to find out why. All he said was that he talked to his neighbor, and his neighbor told him it was a bad deal. He was paying too much.
两周后，那家房地产公司打电话给我，说我的朋友反悔了。我立即给他打电话，想弄清楚原因。他只是说，他对他的邻居说了这件事，而邻居对他说这是一笔糟糕的交易，他支付的价格太高了。
I asked Richard if his neighbor was an investor. Richard said “no.” When I asked why he listened to him, Richard got defensive and simply said he wanted to keep looking.
我问理查德，他的邻居是不是一位投资家，理查德回答说“不是”。当我问他为什么会听从邻居的话时，理查德没有正面回答，只是说他想再观望一阵。
In another example, I hold a small portion of my assets in tax lien certificates instead of CDs. I earn 16 percent per year on my money, which certainly beats the 5 percent the bank offers. The certificates are secured by real estate and enforced by state law, which is also better than most banks. The formula they’re bought on makes them safe. They just lack liquidity. So I look at them as 2 to 7-year CDs. Almost every time I tell someone, especially if they have money in CDs, that I hold my money this way, they will tell me it’s risky. They tell me why I should not do it. When I ask them where they get their information, they say from a friend or an investment magazine. They’ve never done it, and they’re telling someone who’s doing it why they shouldn’t. The lowest I yield I look for is 16 percent, but people who are filled with doubt are willing to accept 5 percent. Doubt is expensive.
在另一个例子中，我通过持有一小部分拥有税收留置权的资产，来替代大额存单投资。 这使我的钱每年能挣到16％的利息，已经大大高于银行提供的5％的利率。这种权利受到房地产法和州法律的保证，且这种保证的可靠性强于大多数银行存款。事实证明这种投资的方式使资金十分安全，只是缺乏流动性，所以我把它们看作是2至10年期限的大额存单。然而几乎每次当我告诉某个人（特别是当他拥有大额存单投资时），我以这种方式持有资金，他们就会告诉我这样做太冒险。他们还会告诉我为什么我不应该那样做，但当我问他们从哪儿得到这些信息时，他们就会说是来自朋友那里或是投资杂志。他们从来没有这样投资过，但他们却老是劝这样做的人不要这样做，我所寻求的最低收益率为16％，可那些顾虑重重的人却愿意接受5％的投资收益率。怀疑的代价真的太高昂了。
Richard’s backing out did not surprise me. It’s called “buyer’s remorse,” and it affects all of us. It’s those doubts that get us. The little 1 chicken won, and a chance at freedom was lost.
理查德的反悔并未让我感到惊讶，这被称为“买家反悔”。这种心理影响着我们所有的人。当我们反悔时，意味着我们疑虑了，“小鸡”得逞了，而实现财务自由的机会却丧失了。
The real estate market in Phoenix turned, and by 1994, that little unit was renting for $1,000 a month — $2,500 in the peak winter months. The unit was worth $95,000 in 1995. All Richard had to put down was $5,000 and he would have had a start at getting out of the rat race. Today, he still has done nothing. And the bargains in Phoenix are still here; you just have to look a lot harder.
到了1994年，凤凰城的房地产市场开始回暖。一套小单元房的租金每月达1000美元，冬天最高时达到过2500美元，1995年这套单元房价格为9.5万美元。理查德当时需要投入的全部资金仅为5000美元，这样他就可以开始脱离“老鼠赛跑”一般的劳碌工作了，而今天，他仍然一事无成。凤凰城的廉价交易依然存在，不过现在你再想要找到它们会困难一些了。
My point is that it’s those doubts and cynicism that keep most people? poor and playing it safe. The real world is simply waiting for you to get rich. Only a person’s doubts keep them poor. As I said, getting out of the rat race is technically easy. It doesn’t take much education, but those doubts are cripplers for most people.
我的观点是：顾虑和愤世嫉俗的心态使大多数人一直生活得贫困但很安全。现实世界等着你去致富，可就是这些顾虑使人们摆脱不了贫穷。正如我所说，摆脱“老鼠赛跑”的生活在技术上讲是十分容易的，这不需要接受太多教育，可那些顾虑使得大多数人寸步难行。
“Cynics never win,” said rich dad. “Unchecked doubt and fear creates i a cynic. Cynics criticize, and winners analyze” was another of his favorite sayings. Rich dad explained that criticism blinded while analysis opened eyes. Analysis allowed winners to see that critics were blind, and to see opportunities that everyone else missed. And finding what people miss is | key to any success.
“愤世嫉俗者从来不会赢。”富爸爸说。“未经证实的怀疑和恐惧会产生愤世嫉俗者。愤世嫉俗者抱怨现实，而成功者分析现实。“富爸爸解释说，埋怨使人头脑受蒙蔽，而分析使人心明眼亮。进行分析能使成功者看到那些愤世嫉俗者无法看到的东西，也能发现被其他人都忽视了的机会，而发现人们忽视了的机会的能力正是取得成功的关键。
Real estate is a powerful investment tool for anyone seeking financial independence or freedom. It is a unique investment tool. Yet, every time I mention real estate as a vehicle, I often hear, “I don’t want to fix toilets.” That’s what Peter Lynch calls “noise.” That’s what my rich dad would say is the cynic talking. Someone who criticizes and does not analyze. Someone who lets their doubts and fears close their mind instead of open their eyes.
对任何寻求财务独立或自由的人来说，房地产都是一个强有力的投资工具。可以说这是一种独一无二的投资工具。然而，每次当我提到房地产时，我经常听到人们说：“我不想去修理厕所”。这就是林奇所说的“噪音”，也是我的富爸爸所说的愤世嫉俗者的说法，这种人只会批评抱怨，而不去分析现实。有些人宁可让顾虑和恐惧蒙蔽思想，也不愿睁开眼情去观察现实。
That is what rich dad meant by ” ‘I don’t wants’ hold the key to your success.” Because I do not want to fix toilets either, I figured out how to buy more real estate and expedite my getting out of the rat race. The people who continue to say “I don’t want to fix toilets” often deny themselves the use of this powerful investment vehicle. Toilets are more important than their freedom.
这就是我的富爸爸所说的“‘我不想要’是成功的关键”的含义所在。因为我也不想去维修厕所，我才想出买更多的房地产和将自己从“老鼠赛跑”中解脱出来的办法。那些说“我不想去修理厕所”的人总是拒绝自己去使用这一强有力的投资工具，修厕所总比他们的自由更重要。
Because I, too, do not want to fix toilets, I shop hard for a property manager who does fix toilets. And by finding a great property manager who runs houses or apartments, well, my cash flow goes up. But more importantly a great property manager allows me to buy a lot more real estate since I don’t have to fix toilets. A great property manager is key to success in real estate. Finding a good manager is more important to me than the real estate. A great property manager often hears of great deals before real estate agents do, which makes them even more valuable.
因为我也不想去修理厕所，我费了很大劲儿寻找了一位房产管理者为我代理厕所修理工作，因为找到了一位好的房产管理者来维修我的房子和公寓，我的这些资产项就会增值，这意味着我的现金流就会上升。更重要的是，一位好的房地产管理者是在房地产交易中成功的关键，能有助于我去买入更多的房地产，因为我不用去顾虑修理厕所了。因此对我来说，寻找一位好的房地产管理者比房地产本身更重要。此外，一位好的房地产管理者常常会打听到比在房地产经营机构听到过的更多的大额交易，这一点也有助于使我的房地产增值。
“‘I don’t wants’ hold the key to your success,” rich dad would say.
“‘我不想要’是成功的一个关键。”富爸爸这样说。
So when someone says, “I don’t want to fix toilets,” I want to fire back, “What makes you think I want to?” They’re saying a toilet is more important than what they want. I talk about freedom from the rat race, and they focus on toilets. That is the thought pattern that keeps most people poor. They criticize instead of analyze.
因此当某人声称“我不想去修理厕所”时，我就反击说“谁跟你说过我想去”，他们似乎把修理厕所这件事看得比他们想要得到的东西更重要。我在谈论从“老鼠赛跑”中获得自由，他们却把注意力放在厕所上，这就是使人们生活贫穷的思维模式。他们总是批评而不是去分析，总是看到细节上的麻烦而看不到解决麻烦之后总体上的巨大收益。
In the stock market, I often hear people say, “I don’t want to lose money.” Well, what makes them think I or anyone else likes losing money? They don’t make money because they chose to not lose money. Instead of analyzing, they close their minds to another powerful investment vehicle, the stock market.
在股票市场上，我也经常听到人们说，“我不想有损失”。我不知道是什么使他们认为我或其他投资股市的人喜欢损失。他们不是去分析实际，而只是对另一种强有力的投资工具——股票市场不予理睬。
When we got home, he showed me all the stats as to why the price of oil was going to go up over the next few years. Statistics I had never seen before, even though I already owned a substantial share block of an existing oil company. With that information, I immediately began looking for and found a new undervalued oil company that was about to find some oil deposits. My broker was excited about this new company, and I bought 15,000 shares for 65 cents per share.
当我们到家时，他给我列举了所有数据，以说明为什么在即将到来的几年里油价会趋于上涨。我以前从未读过这些数据，即使是我已拥有一家营运中的石油公司的主要股份后也是如此。根据这些信息，我立即开始寻找并找到了一家新的价值被低估了的石油公司，这家公司正在勘探新的地下石油储备，这使我的经纪人对这家新公司感到很兴奋。我后来买下了它的65％的股份，共1.5万股。
In December 1996,1 was riding with a friend past our neighborhood gas station. He looked up and saw that the price of oil was going up. My friend is a worry wart or a “Chicken Little.” To him, the sky is always going to fall, and it usually does, on him.
1996年12月，我驾车和一位朋友经过邻近地区的一座加油站。我的朋友看了看，发现油价上涨了。我的朋友总是忧心忡忡，他也是那种‘’小鸡“型的人，对他来说，天似乎总像要塌下来，而且通常是要压在他的头上。
Instead of analyzing, their little chicken closes their mind. If most people understood how a “stop” worked in stock-market investing, there would be more people — investing to win instead of investing not to lose. A “stop” is simply a computer command that sells your stock automatically if the price begins to drop, helping to minimize your losses and maximize some gains. It’s a great tool for those who are terrified of losing.
他们心里的“小鸡”使他们不是去分析问题，而是封闭了自己的思想。如果大多数人懂得股票市场上“横盘”（预定低点抛售）意味着投资机会的话，就会有更多的人去投资以赢利而不是投资以避免损失。一次“横盘”就像一个计算机指令，当价格开始下跌时，自动出售你的股票，以帮助你使损失最小化、收益最大化。对于那些害怕受到损失的人来说，这是一个极好的工具。
In February 1997, this same friend and I drove by the same gas station, and sure enough, the price per gallon had gone up nearly 15 percent. Again, the “Chicken Little” worried and complained. I smiled because in January 1997, that little oil company hit oil and those 15,000 shares went up to more than $3 per share since he had first given me the tip. And the price of gas will continue to go up if what my friend says is true.
在1997年2月，还是这位朋友，驾车和我经过同一座加油站。的确没错，每加仑汽油的价格上升了几乎15％，这位忧心忡忡的人非常担忧并且不停地抱怨。我笑了，因为在1997年1月，那家小型石油公司找到了石油，自从他第一次给我分析了那些数据以后，我买下了1.5万股股票，现在每股价格已上升到3美元以上。如果我的朋友所说的是正确的话，石油价格还会持续上扬，我的收益还会增加。
So whenever I hear people focusing on their “I don’t wants,” rather than what they do want, I know the “noise” in their head must be loud. Chicken Little has taken over their brain and is yelling, “The sky is falling and toilets are breaking.” So they avoid their “don’t wants,” but they pay a huge price. They may never get what they want in life.
因此，每当我听到人们执迷于自己的“我不想要”而不悟，不去注意他们所想要的东西时，我就知道他们脑子里的“噪音” 一定很响。“小鸡”掌管了他们的思维，正在叫喊“天要塌下来了，厕所坏了”。于是，他们避开了自己的“不想要”，却为此付出了巨大的代价——他们可能将永远得不到自己在生活中想要的东西。
Rich dad gave me a way of looking at Chicken Little. “Just do what Colonel Sanders did.” At the age of 66, he lost his business and began to live on his Social Security check. It wasn’t enough. He went around, the country selling his recipe for fried chicken. He was turned down 1,009 times before someone said “yes.” And he went on to become a multimillionaire at an age when most people are quitting. “He was a brave and tenacious man,” rich dad said of Harlan Sanders.
富爸爸教给我看待“小鸡”的一种方式，“要像桑德斯上校那样去做”。在桑德斯上校66岁的时候，他失去了所有的产业，开始靠社会保险金生活，而那点钱根本不够用，于是他走遍全国推销他的炸鸡方法。在他最终得到肯定回答之前，曾被拒绝1009次。然而通过不懈努力，他在大部分人打算放弃的年龄又开始了迈向百万富翁的道路。“他是一位勇敢、坚韧不拔的人”，富爸爸说的就是肯德基的创始人哈兰。桑德斯上校。
So when you’re in doubt and feeling a little afraid, just do what Col. Sanders did to his little chicken. He fried it.
所以，如果你顾虑重重，感到有点儿害怕，不妨像桑德斯上校对待自己的“小鸡”那样去做：“油炸”这只小鸡。
Reason No. 3. Laziness. Busy people are often the most lazy. We have all heard stories of a businessman who works hard to earn money. He works hard to be a good provider for his wife and children. He spends long hours at the office and brings work home on weekends. One day he comes home to an empty house. His wife has left with the kids. He knew he and his wife had problems, but rather than work to make the relationship strong, he stayed busy at work. Dismayed, his performance at work slips and he loses his job.
原因之三：懒惰。忙碌的人常常是最懒惰的人。我们听说过一位商人努力工作挣钱的故事，他努力工作希望为自己的妻子儿女提供更好的生活条件。他在办公室长时间地工作，在周末还把工作带回家去做。一天，他回到家，却发现人去楼空，他的妻子带着孩子离开了。他早就知道他和自己妻子之间有一些问题，可他却宁愿忙于工作，而不去改善双方的关系。可悲的是他在工作中的表现也滑坡了，最后他失去了这份工作。
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