通往真正财富的基石

嘿，欢迎来到卡多内地带，我的最新播客节目。每周我都会为你带来一位新名人、艺术家、运动员、各领域的顶尖人物，以及来自世界各地运营企业的CEO们，分享他们的见解、知识和突破性经验。听着，这些人像我一样白手起家，所以准备好跟随G叔一起，你将经历人生中最精彩的旅程，我们将让你思考、工作、行动和日常生活的方方面面都提升十倍。

Hey. Welcome to the Cardone Zone, my newest podcast where every week I'll bring to you a new celebrity, artist, athlete, some of the top people in their field, CEOs from around the world running the world to give you their insights, their knowledge, and their breakthroughs. Look. These people came from nothing just like I did, so get ready with uncle g. You're in for the ride of your life where we're gonna 10 x everything you think, way you work, the way you act, and the way you roll every single day.

记得订阅并留言评论。我很想看看你们的讨论内容，并为今天的节目做好准备。但从今天起，你可以记下这个日期。你将拥有创造财富的替代方案。而选择听我说话，意味着你已站在自我认知的十字路口。

Make sure you subscribe and comment. Love to see what you're talking about and get ready for today's show. But as of today, you could write the date down. You will have an alternative solution for creating wealth. And by choosing to listen to me, you've reached a fork in the road for your own awareness.

所以如果你继续听下去，就表明你承认需要帮助。你想要获取致富的公式，在美国或你当前居住地创造财富，摆脱困境，迈向更美好、更有力量、更富足健康的生活方式。如果你允许，我可以也愿意帮助你。我理解，就像我自己的父母在世时那样，你可能尚未意识到存在一条逃生路线，另一条道路。顺便说一句，你能够也应该走上这条路。

So if you continue to listen past this point, you're admitting that you want help. You want the formula for getting rich, for creating wealth in America or wherever you live today, to get untrapped and step into a much better, more powerful, prosperous, healthy way of living. If you let me, I can and will help you. I understand that just like my own parents, while they were still here, you may not yet realize that there is an escape route, another path. You can and should be on this path by the way.

这本书的九步公式是一张蓝图，助你逃脱中产阶级赖以生存的三种陷阱，同时创造坚不可摧的财富，为你和所爱之人世代提供真正的富足。当今大多数美国人深陷的三种陷阱分别是：第一，金钱陷阱；第二，教育陷阱；第三，资产陷阱。听着，金钱陷阱涉及你的工作、储蓄观念和信用卡使用方式。教育陷阱则关乎我们从权威——政府、银行、教育机构、媒体、父母、被误导的周围人以及自身社交网络中习得的所有洗脑内容，这些人自己被灌输中产阶级是理想归宿的观念。

This book's nine step formula is a blueprint for you escaping the three kinds of traps the middle class is built upon, plus creating an indestructible wealth that will provide you and your loved ones for generations with real wealth. The three kinds of traps most Americans are stuck in today are number one, the money trap. Number two, the education trap, and three, asset traps. Look, money traps are things related to your job, how you think about saving and how you handle credit cards. Education traps are about all the things we've learned, indoctrination, from the man, the government, the banks, and the educational institutions, the media, your parents, the misinformed, the people around us, our surroundings, our network, who have been brainwashed themselves into believing the middle class is a great place to be.

看吧，中产阶级甚至已不复存在。资产陷阱则涉及数百万、数千万乃至数亿人投资于幻象。比如许多人储蓄退休金长达数十年，三四十年，指望未来资金能翻倍回报，供养他们的退休生活。但多数人很快会发现，退休后甚至没有足够资金维持生计，而税务部门还会攫取你的退休账户。

Look. It doesn't even exist anymore. Now the asset traps are about the millions, tens of millions, hundreds of millions who are investing in illusions. So many people save for retirement, for instance, for decades, thirty, forty years, hoping their money in the future will be multiplied and then return and take care of them into retirement. Most will soon find out they don't even have enough money to support themselves after they retire and the tax man grabs your retirement account.

现实是，从你薪水中扣除十年、二十年、三十年或更久的资金，被分散投向更多幻象，只为让华尔街人士和银行更富有，而你和你的退休生活却被置于砧板上任人宰割。'爸爸，什么是中产阶级？'有次我正在向约两万人直播，主题是我曾犯下代价数千万美元的错误。六岁的大女儿萨布丽娜突然走进来（她常这样），听到我谈论时提到'中产阶级'这个词，便像往常一样插话进来。

The reality is the money that was taken out of your paycheck for ten years, twenty years, thirty years, or longer was diversified toward more illusions to make the Wall Street people richer, the banks richer while you and your your retirement was left on the chopping block. Papa, what's the middle class? I was once delivering a livestream to about 20,000 people. The topic was mistakes that I had made that had cost me tens of millions of dollars. Out of nowhere, my first daughter, at the time six year old Sabrina, walked in as she's known to do, and she heard me use the word middle class as I was talking and jumped in as she often does.

她向我和线上观众提出的问题是：'爸爸，什么是中产阶级？'我说这是个好问题，而且是我们都应该开始研究的好问题。你可能听过这个词成千上万次，尤其是政客、家人、教育者、银行或读物中使用，他们试图用这个词来骗取你的选票。

Her question to me and the group online was, papa, what is the middle class? And I said, that's a great question. And by the way, it's a great question we should all ask and start researching. You've probably heard the term middle class thousands of time, especially from politicians, maybe your family or an educator or the banks or read about it. They're using it to try and hustle your vote.

那么让我谈谈中产阶级的实际含义而非字面定义。不同网站对中产阶级的收入范围界定各异，但我们简化来看——这并非火箭科学。技术上讲，中产阶级被定义为年收入在4万至11.5万美元之间的家庭。

So let me talk about what it practically means as opposed to what it actually means. Different websites will give you different income numbers for what can be defined as the middle class. But let's keep things very simple. This is not rocket science. The term middle class is technically defined as a household that earns between 40,000 and a $115,000 a year.

看，这个范围太宽泛了，毫无意义。在美国乃至全球许多地区，只要家庭收入落在这个区间，你就被视为中产阶级的核心群体。当我向萨布丽娜解释时，我想起自己六岁时就渴望金钱。父亲在我十岁去世前，他几乎没时间陪伴我。

Look, it's so broad. It defines nothing. In many areas of the country and around the world, you're considered in the middle, the center of the middle class if your household is anywhere in that range. When I explained it to Sabrina, I was thinking about how even at her age, six years old, I wanted money. Before my dad died, when I was just 10 years old, my dad was unable to spend much time with me.

他承受着巨大压力，拼命维系着中产阶级的幻梦——对他和我们而言那根本是空中楼阁，但他深信不疑。这意味着要照顾孩子、妻子、自己以及事业，努力活成中产阶级的模样。那可是上世纪五六十年代的事。当我向她解释时，我说：

He was under tremendous amounts of stress and pressure living or creating for him and us the middle class illusion, the dream. It was actually impossible, but he thought it was. That meant taking care of Bob kids and his wife and himself and his business as he built himself into this concept of a middle class. And this is back in the nineteen fifties and sixties. When I was trying to explain to her what it was, I said, look.

中产阶级意味着处于收入或财富结构的中间层，一个人群。看，这边是穷人群体，右边是超级富豪群体。

The middle class means right in the middle of things, in the middle of an income or a wealth structure, a group of people. See, there's one group over here. They're poor. Then there's this other group over to the right. They're extremely rich.

更右侧还有更富有的群体，而中间就是这些人。她的回应令我震撼，六岁孩子的理解力超乎想象。她看着我说：‘所以中产阶级其实是自以为有钱的穷人？’请再听一遍这句话。

There's another group even further right off to the side that are wealthy, and then there's all these people in the middle. Her response to me was profound. I can't imagine anyone being able to explain it any better than a six year old did. She looked at me and said, so the middle class are rich people who are actually poor. I want you to hear that again.

六岁孩子说：‘中产阶级就是自以为有钱的实际穷人。’完全正确，萨布丽娜。中产阶级的本质正是如此——自认富有实则贫穷的人群。如果你收入高于眼中的穷人，却远不及所谓的富人，那你就是自我定义的中产阶级。

Six year old says, so the middle class are actually people who think they're rich that are actually poor. Exactly, Sabrina. That's exactly what the middle class is. People who think they're rich but who are actually poor. So if you're someone who makes more than people you consider poor, but you're way behind people you consider rich, then you're self described as the middle class.

的富人区大门遥遥相望，那你就是中产阶级——无论这意味什么。别纠结收入或资产，中产阶级本质上只是‘你其实很穷’的委婉说法。

This may even include things like college education for your kids and a four zero one k and cars paid off. And if you don't live in the ghetto or section eight housing, but your house sits far away from the gates of whatever the Beverly Hills of the place that you live in look like, then you're in the middle class or whatever that means. Not concentrating on what you make or what you have. Look. The middle class is really just a shorthand way of saying you're poor.

你是个可怜的富人。听着，在你反驳之前，如果你认为致富是不必要的，只想追求快乐而金钱不会带来快乐，那么无论你是否意识到，你都已经陷入了中产阶级思维模式。如果此刻你对我的话感到不屑，很好，请继续听下去。我要分享的真正法则，需要你直面一个事实：中产阶级本质上是一群假装富有的穷人。我将在此向你展示如何创造真正的财富。

You're a poor rich person. And look, before you go there, if you have any thought that getting rich is unnecessary, that you just wanna be happy and money won't make you happy, then you already have a middle class mindset whether you know it or not. And if you're feeling disdained for what I'm saying to you right now, good, stick with me. The real formula I will share with you requires you to confront that the middle class is basically people that are pretending to be rich that are poor. I'm gonna show you how to create true wealth here.

为什么政客从不谈论财富？你注意到没有，政客们从不讨论美国人创造财富？相反，他们只谈论中产阶级，而且比其他任何人都更频繁地提及。这恰恰暴露了中产阶级是个谎言。政客们不断利用这个概念，本身就说明这是个虚构的骗局。

Now why don't politicians talk about wealth? Well, did you ever notice that politicians don't talk about Americans creating wealth? Instead, they talk about the middle class and they talk about the middle class more than anyone else ever talks about them. That's the dead giveaway that the middle class is a lie. The fact that politicians use it constantly would suggest to you this by itself is a myth and a deception.

你是否也发现，过去四五十年他们越是强调中产阶级，中产阶级处境就越糟糕？看，他们总说要拯救中产阶级，尽管心知肚明这个阶层已名存实亡。如果你像我一样在贫穷的中产家庭长大，你被教育要厌恶金钱。我记得母亲总说我们不穷，她经常对我说：

And have you also noticed that the more they talk about the middle class for the last forty or fifty years, the worse it gets for the middle class? See, they're always saying, we need to save the middle class even though they know it really doesn't exist anymore. If you were brought up like me as part of the poor middle class, you were taught not to like money. I remember my mom used to say that we weren't poor. She would regularly say to me, look.

你有自行车，有电可用，有暖气，有屋顶遮风挡雨，一日三餐不愁。

You've got a bicycle. You've got electricity. You've got heat. You got a roof over your head. You got three square meals.

我们还有空调。你拥有的比我当年多得多，应该知足。但我们始终活在忧虑中——这些话的潜台词你听出来了吗？

We have air conditioned. You have way more than I had. You should be grateful. But we were always worried. Have you ever heard that in the pitch that goes with it?

只要跻身中产阶级，有房有学历，结婚生子找个好工作，人生就会圆满。听起来像童话不是吗？如果你听过这些说教，说明你被培养成以中产为目标。你从不会讨论真正的富裕、世代财富、被动收入或财富的十倍增长。

If you just get in the middle class, if you just get a house and a good education and get married and a good job and have a couple of kids, everything's going to be great. Sounds like a fairy tale, doesn't it? If you have heard any of these things, you were raised to aim for the middle class. That was your target. You never talked about getting wealthy or generational wealth or passive income or 10 x multiplication on your wealth creation.

这就是你如今处境的原因。带着贫穷的中产思维长大，你继承的正是这个伪中产的贫困理念。看看今日美国，曾经膨胀壮大的中产阶层，现在正大批沦为贫困群体。当今美国其实只存在两个阶层。

That's why you're in the situation you're in today. If you are brought up with a poor middle class thinking, you inherit the ideas of the poor in the middle class. Look around. In America today, what used to be a bulging, growing, expanding middle class is mostly an expanding group of people into poverty. There are really only two groups in America.

当前正在增长的群体，是贫困阶层和富人及超级富豪。这足以让你了解中产阶级的现状。关于致富之道，学校从未教授过你任何知识——实际上可能什么都没教。相反，他们只教会你如何在中产阶级中求生存。

Those that are growing right now, the poor class and the rich and super rich. That should tell you everything you know about the state of the middle class. Here's what they didn't teach you in school about becoming wealthy. Probably nothing, actually. But instead, they taught you how to survive in the middle class.

他们灌输的观念诸如：致富需要钱，需要大量金钱。美国的现实是，我们被兜售了一种虚假信念——仅仅因为身处美国，我们就更优越，因为我们自由、勇敢、无畏等等。但真相是，即便国民享有自由，他们在经济上仍是依赖者而非独立者。

They taught you things like it takes money. It takes lots and lots of money. The reality in America is that we've been sold a bill of goods that because we're in America, we're simply better off because we're free and courageous and brave and all that. But the truth is even if the people in the country are free, they're still dependent, not independent. I mean, financially dependent.

我们生活在一个经济主导的星球上。面对现实吧：你可以自由独立却贫穷，这意味着你实质依赖且不自由。要实现真正的独立，你需要金钱。看吧——

We live on an economic planet. Face it. You can be free, independent, and poor, which means you're dependent and not free. But to be independent, you need money. Look.

这既是好消息也是坏消息。根据LendingClub最新报告，在这个全球最富裕的国家，61%的美国人过着月光族的生活，并且他们对此自圆其说。中产阶级合理化自身处境，只因他们不在第三世界国家。听着，唯一的区别仅在于这个‘村庄’的样貌。

This is the good news and the bad news. According to a recent LendingClub report, 61% of Americans live paycheck to paycheck in the richest country on the planet, and they make sense of it. The middle class make sense of their condition because they're not in a third world country. Look. The only difference here is the village.

这个美国‘村庄’有着高楼大厦，而在印度、墨西哥、厄瓜多尔等第三世界国家，没有这样庞大的‘村庄’。不是每个家庭都拥有抽水马桶。但当你同样深陷月光族生活、困在中产阶级时，这真的存在本质区别吗？

This USA village has big buildings in, let's say, India or Mexico or Ecuador or any third world country. It doesn't have the big villages. Not everybody there has a toilet. You know what I'm saying? Is there any other real difference though when you're still living paycheck to paycheck, stuck in the middle class?

促使我创立财富创造公式（即中产阶级突围计划核心）的关键契机，源于某晚的慈善活动。现场有约两百人，离场时我突然意识到：其中多数人渴望逃离中产阶级，并非为了购置更多玩具、旅行、房产或豪车，而是希望创造财富从而能捐赠更多给慈善事业。目睹满屋子渴望奉献与服务的人群——包括我自己在内——这现象令人震撼。

One big catalyst that led me to developing the wealth creation formula, the core of the middle class escape plan, was being at a charity event one night. There was a couple 100 people in attendance. I walked out of the event realizing how many of them wanted to escape the middle class, not to have more so they could buy another toy or a trip or a house or a car. They just wanted to create wealth so they'd have more money to give away to charity. It was phenomenal to see all these people in a room that wanted to give more, that wanted to be more of service, and I was one of those people.

那晚的核心问题是：多数参与者困在中产阶级。他们尚未掌握我今天要传授的公式。虽然大家都想为慈善活动达成200万美元目标，但实际能出资实现的寥寥无几。当晚达标后，在与妻子深谈的归途上，我立志帮助人们进入能持续奉献的境地——不止为物质占有，更为回馈社区、教会和慈善事业。看吧——

The problem that night was that most of the attendees were stuck in the middle class. They didn't have the formula that I'm gonna give you here today. They wanted to help us all hit this $2,000,000 target for the charity event, but only a handful of people could actually give money to make that happen. So on my way home that night, after hitting the target, after having a conversation with my wife, I was motivated to help people be in a situation so that they could give more, not just for material possessions, watches, cars, and stuff, but so they could give more to their community, to their church, their charity to help others. Look.

我致力于寻找方法帮助那些渴望拥有更多资源的人，以便他们能更好地照顾自己的教会、慈善事业和社区。没有什么比服务他人更令人满足的了。但现实是，如果你没有钱，你就无法给予金钱。而如果你没有钱，你能给予的只有时间。

I'm driven to find ways to help other people who wanna have more in order to take care of their church, their charity, and their community. There's no greater feeling than being a service. But let's face it. If you don't have any money, you can't give any money. And if you don't have money, all you can give is time.

事实上，如果你没有钱，你可能也没有时间去换取你想捐赠的金钱。遵循财富创造公式，无论你现在处境多么糟糕、多么困难或充满挑战，我们都能让你走上通往真正财富和随之而来的内心平静的道路。这是唯一能让你掌控生活、保护健康以及你所爱之人福祉的位置——无论是配偶、家人、远亲，当然还有你的孩子、慈善事业、社区，以及你自己，任何你认为有责任守护的人。那晚，我们达成了200万美元的目标，因为一个人站出来捐了一百万美元。一群人凑齐了第一个百万，而那个人完成了最后的百万。

And the reality is if you don't have money, you probably don't have time to trade for the money that you wanna give. Following the wealth creation formula puts you on the path to go from where wherever you are right now, no matter how bad, no matter how difficult or challenging, where you are today, we can put you in a position to have true wealth and the peace of mind that comes with it. It's the only position where you can actually control your life and protect your health and the well-being of the people that you love and care about, your spouse, your family, your extended family, and, of course, your kids, your charity, your community, and yourself, whoever it is that you feel it's your job to be there for. That night, we hit our $2,000,000 target because one guy stood up and gave a million dollars. A bunch of people gave the first million and one guy finished that last million.

最后那位捐赠者成了房间里所有人的英雄。我想让你成为那样的英雄。首先是‘工作憎恨陷阱’——你错误地将工作仅仅视为跳板，这种想法让你感到被困住，最终只因自我设限而无法脱身。其次是‘存钱罐陷阱’——为错误理由存钱会阻碍你采取任何真正创造财富的行动。第三是‘塑料陷阱’。

And that last guy was a hero to everybody in the room. I wanna make you that hero. The job hate trap, where you're thinking the wrong way about your job as just a stepping stone that it actually is, leaves you feeling stuck and ultimately trapped in the job only because you believe you are, not because you are. Number two, the piggy bank trap, where saving money for the wrong reasons keeps you from ever doing anything that leads to wealth creation. And number three, the plastic trap.

这个陷阱让你依赖万事达卡、维萨卡和美国运通等信用卡，因为你并不真正懂得如何使用它们。你要么害怕它们，要么被它们利用。但事实上，信用卡可以成为你财务引擎的润滑油而非沙粒。如果你尚未陷入这些陷阱，这部分内容将助你避开它们；若已陷入其中，我将为你指明逃脱之路。

This is the trap that keeps you reliant on credit cards like Mastercard and Visa and American Express because you don't understand how to actually use those cards. You're fearful of them or you get used by them. But the truth is credit cards could be oil instead of sand inside your financial engine. If you haven't fallen into any of these traps yet, this section will help you steer clear then. If you have fallen into them, I'll set you up to escape them.

这里有三个关键点需要注意：第一，世界上只存在两种收入阶层（提示：中产阶级不在其中）。第二，从工作到富裕，最终到达真正富足的路径——富裕与富足之间存在区别。

There are three important points to pay attention to here. Number one, the only two income classes. Hint, the middle class ain't one of them. Number two, the path from job to rich, then ultimately to wealthy. There is a difference between the rich and the wealthy.

第三，培养极致的工作 ethic。即使你一生都被称为懒惰或散漫，我也可以教你建立一种能让你富足的工作准则。要么变得富有，要么被时代抛弃。日期：2015年2月1日。时间：第四十九届超级碗结束不到九十分钟后。

And number three, developing an insane work ethic. Even if people have called you lazy or unfocused your whole life, I can show you how to create a work ethic that will make you wealthy. Be rich or be left behind. The date, 02/01/2015. The time, less than ninety minutes after Super Bowl forty nine had ended.

亚利桑那州格伦代尔凤凰城大学的体育场内，震耳欲聋的人群刚刚散去。获胜的四分卫汤姆·布雷迪已冲完澡、收拾好行李、换好衣服，正从赛场返回酒店。就在这时，他收到了老友约翰·福克的短信：'恭喜，兄弟。接下来有什么计划？'

The deafening crowd had barely cleared out of the University Of Phoenix Stadium in Glendale, Arizona. Tom Brady, the winning quarterback, was showered, packed, and dressed, headed back from the game to his hotel. That's when the text came in from his longtime friend, John Falk. Congratulations, buddy. What's next?

汤姆的回应堪称职业道德的典范。'考虑如何赢得第五枚戒指是接下来的目标，'汤姆·布雷迪说。他刚刚赢得第四座超级碗。他在想香槟和迪士尼乐园吗？不。

Tom's response can only be described as the definition of work ethic. Thinking about how to get ring number five is what's next, said Tom Brady. He just won his fourth Super Bowl. Was he thinking about champagne Disneyland? No.

汤姆的思绪早已投入到获取第五枚戒指所需的工作中。看，这就是汤姆·布雷迪的为人。他的心思始终放在完成手头任务必须付出的努力上。任务完成后，他又立即投入工作，因为那就是当下要做的。同样，你必须理解你工作的角色。

Tom's mind was already on the work required to get his fifth ring. See, that's the type of man Tom Brady is. His mind is always on the work he's gotta put in to complete the job at hand. And when the job is done, then he gets right back to work because that's the job at hand. Likewise, you've gotta understand the role of your job.

具体来说，在逃离中产阶级陷阱和创造财富方面，你的工作角色是什么。那是你的使命，而非职业。明白吗？使命是让你摆脱中产阶级，为你和家人创造真正的财富。2023年2月，汤姆·布雷迪宣布退役，标志着他取得无与伦比成就的辉煌职业生涯结束。

Specifically, what's the role of your job when it comes to escaping the middle class trap and creating wealth. That's your job, not your job. You understand? The job is to get you to escape the middle class and to create real wealth for you and your family. In February 2023, Tom Brady announced his retirement, marking the end of an amazing career that saw him achieve unparalleled success.

拥有惊人的七次超级碗胜利，布雷迪非凡的领导力、技术、决心和职业道德，巩固了他作为体育史上最伟大运动员之一的传奇地位。现在让我们回到金钱和财富，从基础开始。只有三种收入阶层：要么富裕，要么富有，要么贫穷。在我看来，贫穷意味着你正被甩在后面。

With an astonishing seven Super Bowl victories to his name, Brady's remarkable leadership, skill, and determination, and work ethic had solidified his legacy as one of the greatest athletes in sports history. Now let's get back to money and wealth, and let's start with the basics. There are only three income classes. You're either wealthy, you're rich, or you're poor. And to me, poor means you're being left behind.

我对富裕的定义是拥有如此多的财富，大量极具价值的东西，可能包括金钱、股票、房产、比特币等，这些东西在为你赚取更多钱。你实际上不必再挣钱了。富有意味着拥有很多钱，可能收入很高，物质财产丰富，这是通往富裕的垫脚石。贫穷则是收入仅够支付账单，勉强维持生计。也许你比别人多一点儿。

My definition of wealthy is when you have so much wealth, an abundance of things that are so valuable, could include money or stock, property, Bitcoin, and those things are making you more money. You don't actually have to earn money anymore. Rich means having a lot of money, maybe a lot of income, a lot of material possessions, and it is a stepping stone to wealth. Poor is when you're making just enough to pay your bills, just to get by. Maybe you have more than others.

一次紧急情况就可能让你出局。也许你还能剩一点儿。你总是忧心忡忡。有七个迹象表明你处于贫穷状态，不要与中产阶级混淆，因为不存在中产阶级。只有贫穷。

One emergency could knock you out of the game. Maybe you have a little bit left over. You're always worried. And there's seven signs that when you're poor, don't confuse that with the middle class because there is no middle class. There's just poor.

有七个迹象表明你正被甩在后面。注意，如果我即将分享的这些迹象中至少有三个符合你，那么你正在或即将被甩在后面。继续听，我会告诉你如何改变这些。这是七个警告信号，表明你正在或未来将被甩在后面。第一，你的收入低于支出的三倍。

There's seven signs that you're being left behind. Note, if at least three of these that I'm gonna share with you are true, you're being left behind or you will be left behind. Listen on, I'll show you how to change those things. These are seven warning signs that you're being left behind or you will be left behind in the future. Number one, you earn less than three x your expenses.

你最好把这些记下来。如果你的月开销是3000美元，你的月收入应该达到9000美元。如果是20000美元的开销，你需要赚60000美元。如果月收入达不到月支出的三倍，就说明你正在掉队。第二点，用信用卡支付账单。

You might want to write these down. If your expenses are 3,000, you should be earning $9,000. If your expenses are 20,000, you need to earn 60,000. Not earning at least three times as much each month as your monthly expenses is an indication you're being left behind. Two, plastic for bills.

如果你用信用卡支付任何月度账单。第三点，用愿望代替决心。总说'我想要'或'我希望'，而不是'当我...时'和'我将拥有'，这表明你会被甩在后面。第四点，没有被动收入。如果没有包括被动收入在内的多重收入来源，你注定会落后。

If you're using credit cards to pay any of your monthly bills. Three, wish instead of will. Using phrases like I want or I wish instead of when I and I will have are indications you'll be left behind. Number four, no passive income. If you don't have multiple streams of income, including passive income streams, you're gonna be left behind.

第五点，储蓄不足三个月。没有新收入就撑不过三个月是个问题。第六点，中产阶级舒适区。自满的心态让你相信更多钱不会让你更快乐，认为现有收入已经足够。第七点，认为纸质文凭是创造财富的必需品。

Number five, less than three months of savings. Unable to survive for more than three months without new income could be a problem. Number six, middle class comfort zone. Complacency and a mindset that convinces you that more money won't make you happy and that you don't actually need more money than you already have. And number seven, viewing a paper degree is necessary to wealth creation.

如果你认为大学文凭是财务成功的必要条件，你将会落后。听着，无论你年收入是10万、50万、100万甚至1000万，如果你的钱不能为你持续生钱，你本质上还是在掉队。

If you believe a college degree is required for financial success, you're going to be left behind. Look. It doesn't matter if you're making a 100,000 or even a half a million a year or a million or 10,000,000. If your money isn't making you serious more money, your being are going to be left behind. Look.

看看那些困在中产阶级的可怜人，只为支付账单而工作。我认识Facebook年薪45万美元的人，他们被困在这个本不存在的'中产阶级'里。他们其实是自以为有钱的穷人。他们没有把工作当作跳板，只是在打工。

All those poor souls stuck in the middle class focused on working a job just to pay their bills. I know people at Facebook making $450,000 a year that are stuck in this middle class that does not exist. They're actually poor people that think they're rich. They're not committed to working as a stepping stone. They're working.

他们有份工作。他们是程序员。赚不少钱。甚至把'Facebook程序员'印在名片上。

They have a job. They're a coder. They make a bunch of money. They even have it on their business card. I'm a coder for Facebook.

我有乡村俱乐部会员，有两个孩子上私立学校。但你依然是个穷人。

I have a country club. I have a membership. I have two kids. Private schools. You're poor.

为什么？因为有人告诉他们你无法改变现状。你有份工作。你就该讨厌这份工作。不。

Why? Because somebody told them you can't change your condition. You have a job. You should hate your job. No.

你的工作是块垫脚石。你只需自问：在我的社区里，有谁用和我相同的工作、职位、收入改变了经济状况？他们是如何摆脱困境的？我这一生都在观察他人。我听过私人飞机掠过头顶的声音。

Your job is a stepping stone. All you gotta do is ask yourself, who has changed their financial condition in my community with my job, with my position, with my money? How did they get out of that, and how did they do it? My whole life, I have watched other people. I've heard the private jet flyover.

那是谁？他们是做什么的？我看见游艇上那个人。那是谁？他们是做什么的？

Who's that? What do they do? I saw the guy on a yacht. Who's that? What do they do?

我看见比弗利山庄的豪宅。那是谁？他们是做什么的？听着，如果你想突围，就必须找到已经做到的人并效仿他们。有谁从巴尔的摩内城、休斯顿、底特律或康普顿这样的地方闯出来了？

I see the big home in Beverly Hills. Who's that? What do they do? See, if you wanna get out, you gotta find somebody that's done that and do that. Who's someone who's broken out of an area like inner city Baltimore or Houston or Detroit or Compton?

不是音乐家或运动员的人。给我看看有谁超越了乡村或郊区环境。没有奖学金、信托基金、不会编程、没有特殊天赋、没中彩票的人。给我看看不靠运气成功的人。找出你该效仿的财富榜样，跟随他们。

Someone who's not a musician or an athlete. Show me someone who's transcended a rural or suburban area. Someone without a scholarship, without a trust fund, without coding, without some special talent, without winning a lottery. Show me someone who made it out without getting lucky. Figure out who you should model, some wealth model, and follow them.

他们可能不在Instagram上。他们可能忙于经营企业而无暇发TikTok。也许不是。我就抽空兼顾两者。想办法与这些人建立联系。

They're probably not on Instagram. They're probably too busy running a business to actually be posting on TikTok. Maybe not. I find time to do both. Figure out how to get connected with these people.

弄清楚他们如何做到的，做了什么。听着，我会更深入探讨这个'隔壁百万富翁陷阱'，但我要告诉你的是——你研究错了对象。最重要的是要明白，你必须专注于摆脱当前处境的决心，除非你认为现状很好，而这可能正是陷阱所在。但如果你感到困顿，如果你足够清醒地意识到：看啊，我在拼命工作，赚很多钱，却始终无法进步。

Figure out how they did it, what they did. Now look, I'm gonna do a deeper dive into this millionaire next door trap, but what I'm telling you is you're studying the wrong people. The most important thing to understand is that your focus has got to be on the commitment to getting out of wherever you are, unless, of course, you think you're fine, which might be the trap. But if you feel stuck, if you're aware enough, conscious enough to know, look, I am working hard. I'm making a lot of money, but I'm not getting ahead.

不要把那描述为中产，要称之为危机，是问题所在。如果你感到困顿，那么无论赚多少钱，你都在被时代抛弃。你可以身处中产阶级，仍拥有乡村俱乐部会员资格、两辆宝马，孩子上私立学校。但你依然只是中产。

Do not describe that as the middle. Describe that as an emergency, as a problem. If you feel stuck, then you're being left behind regardless of how much money you make. You can be in the middle class and still have country club memberships, two BMWs, and your kids could be in private schools. And you're in the middle class.

顺便说，现在你该明白中产阶级根本不算一个阶级。它就是贫穷阶层，是焦虑阶层。是那种'只要不出意外就能勉强维持'的阶层——直到遭遇紧急情况、通货膨胀、加税、再来场疫情、或是技术颠覆所在行业导致失业。

And by the way, you know now that the middle class is not a class. It's poor. It's the poor class. It's the worried class. It's the I get by just as long as I can get by until an emergency, until inflation, until taxes, until another COVID, until a technology disrupts my industry, and I'm out of work.

听着，我认识一些人支付着高额房屋贷款利息、车贷、乡村俱乐部会费、名表开销和子女学费。他们实际比收入只有其一半的人更穷困。有个人花了35万美元送女儿上学，现在她在全食超市打工。

Look. I know people that are paying so much interest for their homes, mortgage interest, debt on their cars, paying for their country clubs, for their watches, their kids' tuitions. They're actually poorer than people who earn half of what they earn. Someone I know paid $350,000 to send his daughter to a school. Now she works at Whole Foods.

这听起来像在进步吗？简直荒谬。有人花25万美元读大学，四五年甚至六年没有收入，毕业后只找到6万年薪的工作。这笔账根本算不过来。我将在'高等教育陷阱'里详谈这个问题。

Does that sound like you're getting ahead? Doesn't even make sense. People that spend $250,000 on a college to be out of income for four years or five years or six years to then earn a job that only pays 60. The math doesn't work. I'll share more of this story in the higher education trap.

要明白，养活这个星球上的金融机构——包括银行和华尔街的运作机器——仅靠官方定义的贫困人口远远不够。需要更多人，事实上仅在美国就需要数亿人。中产阶级才是真正的负重者。1.7万亿美元的学生贷款债务，大部分压在中产而非穷人背上。

Understand that to financially feed the institutions on this planet, talking about the banks and Wall Street, the machinery, you have to understand it takes more than just the backs of people who are technically categorized as poor. Takes way more people. In fact, it takes hundreds of millions of people just in America. Takes the backs of the middle class. Most of the $1,700,000,000,000 of college debt is on the backs of the middle class, not the poor.

中产家庭的学生贷款借款人平均负债4.3万美元，占全国未偿还学生贷款总额的65%以上。如果不学会赚取被动收入，你将终生忙碌，用时间换钱只为支付账单。西格拉姆集团老板老爱德华·布朗夫曼去世时净资产26亿美元。他说：'让100块变110块需要劳动，让1亿变1.1亿或10亿却是必然。'

Tuition borrowers from households in the middle class owe an average of $43,000 in student loan debt, and that accounts for more than 65% of our nation's outstanding student loan debt. If you don't learn how to earn passive income, you're gonna spend your whole life working, trading time for money to just simply pay the bills. At the same time of his death, Edward Brothman senior, the owner of Seagram's, had a net worth of $2,600,000,000. He said, to turn a $100 into $110, you work. To turn a 100,000,000 into a 110,000,000 or a billion is just inevitable.

这是必然规律。但你觉得被时代抛弃的人怎么处理钱财？他们存进银行，开个支票账户或储蓄账户，把钱存在那里。

It's gonna happen. But what do you think people left behind do with their money? They leave it at the bank. They open a checking account or a savings account. They store their money there.

他们实际上会保存或试图保存这笔钱，直到能将其送往华尔街。谁来投资呢？你现在就得自己下定决心打破这个循环。这太疯狂了。快逃离这个陷阱。

They actually save it or attempt to save it until they can send it off to Wall Street. Who's going to invest it? You gotta decide for yourself right now that you're going to break this cycle. It's crazy. Get out of the trap.

我工作，用时间换钱，拿到钱后，花更多时间存进银行，再从银行转回华尔街，然后你就被困住了。你必须避开危险，否则系统会继续碾压你。现在就决定要打破这个循环，学习金钱与金融知识。此刻听我说话的只有少数人，希望你们能真正付诸实践并受益。99%的人只会批评。

I work, trade time for money, take the money, spend more time to bring it to the bank, drop it off the bank, and then do some homework to then send it from the bank back to Wall Street, and you're trapped. You have to get out of harm's way or the system will continue to run you over. Make a decision right now that you're gonna break this cycle and learn about money and finance. Only a small group of you listening to it right now, hopefully, you who listen to it will actually implement and take advantage of it. 99 will critique it.

他们会憎恨我、评判我，指出我错得多离谱。而不到1%的人会说，兄弟，我准备好了。格兰特·卡多内，咱们开始吧。我想冲向财富的终点区。

They'll hate on me, judge me, and point out how wrong I am. And less than 1% will say, bro, I'm up. I'm ready to go. Grant Cardone, let's go. I wanted to go to the wealth end zone.

1%的人会响应这个。1%的人会坚持这个。甚至不到17%的人能听完。我在试图打破你的思维定式，本质上是在为你解除洗脑，摆脱你被灌输的观念。

1% will respond to this. 1% will stay with this. Less than 17% will even finish this. I'm trying to crack you. I'm trying to basically debrainwash you to un indoctrinate you from what you've been taught.

既然你已越过我在开场提到的岔路口，说明你还有希望。只需跟着我，坚持下去，忍受这个过程。选择很简单。

Since you're here past the fork in the road I mentioned earlier in the intro, there's actually hope for you. Just stay with me. Stick with it. Suffer through. The choice is simple.

成为那1%——此刻对你开放的、接受我来自顶尖0.01%人群建议的人。避开三个金钱陷阱。投身财富阶层，而非富裕阶层，更别是中产阶层。我向你保证，我能带你进入前1%。这对所有人都是可能的。

Be in the 1% that's open to you right now to the advice I'm giving you from the top point 01%. Avoid the three money traps. Commit to the wealth class, not the rich class, and definitely not the middle class. And I promise you, I can get you into the top 1%. It's available for everyone.

当今世界的金钱比历史上任何时候都多，赚钱的方式也比以往任何时候都多。你必须规划好自己的道路，不仅要保护你的钱——首先要赚到它，然后保护它，再让它增值。最初，你的现金流可能来自一份工作。如果你讨厌你的工作，你也会讨厌随之而来的钱。所以你不能只是为工资疲于奔命。

There's more money on this planet today than there ever has been, and there are more ways to make money today than there ever has been. You have to figure out what you're going to do in your path to not only protect your money, first to get it, then to protect it, then to grow it. Initially, your cash flow is going to probably come from a job. If you hate your job, you hate the money that comes with it. So you you can't be like job just over broke.

我讨厌为别人工作。为了达到财富阶段，你总是需要为他人工作。最初，你的现金流将来自一个叫做工作的来源。你可能觉得被那份工作困住，甚至现在很讨厌它，但你赚的钱正是来自那份工作。在你把钱放到其他地方之前，它就是你的。

I hate working for somebody else. You will always work for someone else in order to get you to your wealth stage. Initially, your cash flow is going to come from a source called a job. You may be feeling trapped by that job and even hating that job right now, but the money that you're earning is from that job. And it's yours until you put it some other place.

你可以把钱留在全食超市买些杂货，或者投资全食超市看着它增值。你打算在哪里赚取5%、10%、15%或25%的收益？如果你花掉它，就赚不到这些。听着，作为财富创造公式的一部分，我会在接下来的章节中向你展示。

You could leave it at Whole Foods and get some groceries for it, or you could invest it in Whole Foods and watch it grow. Where are you gonna earn 5% or 10% or 15% or 25%? You're not gonna earn it if you spend it. Look. As part of the wealth creation formula, I'll show you in the following chapters.

我会教你如何睁大眼睛寻找新机会，但如果你不去寻找，就看不到它们。我会向你展示年收益6%、8%、10%、15%、30%的机会。但现在不必担心这些。只需明白你的工作是带你获得金钱的工具，而金钱将带你走向财富。

I'll show you how to keep your eyes open for new opportunities, but you're not gonna see what you're not looking for. I'll show you opportunities where you can earn 6%, 8%, 10%, 15%, 30% a year. But don't worry about that right now. Just understand that your job is the vehicle that's gonna get you to the money. The money is gonna get you to the wealth.

要明白你的工作不必也不应该感觉像一条死胡同。你的工作是一辆车，一辆载你从此处到彼处的车。你可能会下车、抛弃它、把它扔在路边甚至烧毁，以便换乘另一辆车。但现在别烧掉这辆车。你才刚刚站在创造财富、逃离中产阶级的起点。

Understand that your job doesn't need to feel like a dead end and shouldn't. Your job is a vehicle. Your job is simply a vehicle that you're gonna drive from here to there, and you might get out of that car, abandon it, throw it off to the side of the road, burn it so that you can get into another vehicle. But don't burn that vehicle right now. You're just at the front door to creating wealth and escaping the middle class.

牛仔智慧：关于工作，务必明确一点——只有当你认为自己陷入困境时，工作才会成为陷阱。否则，你的工作就是一块垫脚石，是载你从贫穷到中产、从中产到富裕、从富裕到富豪的交通工具。虽然中产阶级并不真实存在，但我会不断重复这个词。

Cowboy wisdom. When it comes to having a job, be sure you're clear about the one thing. Your job only becomes trap when you say you're in a trap. Otherwise, your job is a stepping stone in a vehicle that keeps you on your journey from poor to the middle class, middle class to the rich, and rich to wealthy. I'm gonna keep repeating this middle class even though it doesn't exist.

几乎所有人都明白这个原则：要成功，就需要练习那些他们可能不喜欢甚至讨厌的事情。以NBA球员迈克尔·乔丹为例，他每天第一小时都在热身、锻炼、拉伸，甚至包括手腕、手指、脚踝和脚趾这些容易被忽视的关键部位。坚持做这种枯燥的事需要承诺和纪律。你觉得他喜欢这样做吗？当然不。

Pretty much everyone understands the principle of needing to practice something they might feel like they don't like doing or even hate in order to succeed. As a player in the NBA, Michael Jordan, for example, would spend the first hour of his day warming up every day, working out, stretching, even overlooked vital areas like his wrists, fingers, ankles, and toes. It takes commitment and discipline to do something that mundane. You think he liked doing that? Of course not.

听着，如果史上最伟大的GOAT乔丹都需要拉伸手指、手腕，做他不想做的事——那就是工作。他可能也不喜欢工作的这部分。我可以明确告诉你，现在我每天都在做类似的事。我已经为自己和家人创造了数十亿美元的财富。

Look. If the Jarden, the greatest of all time, the goat needs to stretch his fingers, his wrist, and do stuff that he doesn't wanna do, that's a job. And he probably didn't like that part of the job. I can tell you right now I do things every single day today. I've created billions and billions of dollars worth of wealth for myself and my family.

这位喜剧演员不愿失业。而牛仔曾说，无论你去往何方，你始终是你自己。最后这句话来自我的一位老友，我管他叫牛仔。他总说：格兰特，你逃到哪儿都逃不开自己。这句话让我铭记至今，因为它无比真实。

He was a comedian that didn't wanna be out of work. And Cowboy said, wherever you go, there you are. The last quote come from an old friend I called Cowboy. He used to always say, Grant, wherever you go, there you are. And that's always stuck with me because it's so true.

我可以换掉我的车，可以换掉女友，可以舍弃许多东西。我可以另谋高就，可以辞去现在的工作，但最终我还是要面对那个不变的自己。

I can get rid of my car. I can get rid of my girlfriend. I can get rid of a lot of stuff. I can go get another job. I can get rid of the post I have now, but I'm gonna go meet me on the other side.

那个带着所有局限、所有问题、技能匮乏的自己。我曾被六份工作解雇，每份工作都以被开除收场，连麦当劳都炒了我——要知道被麦当劳开除可不容易。

Me and all my limitations and all my problems and my limited skill set. I got fired from six jobs. Every job I ever had, I was fired from. Even McDonald's fired me. And it's not easy to get fired from McDonald's.

顺便说，那些开除都是我应得的，因为我是个糟糕的员工。态度恶劣，迟到早退，敷衍了事。我表现得憎恨工作，而我也确实憎恨工作。知道吗？

I totally deserved, by the way, getting fired from all those jobs because I was a bad employee. Had a bad attitude. Showed up late, put in half efforts. I acted like I hated my job, and I hated my job. Guess what?

如果你表现得厌恶工作，你就真的会厌恶工作。我曾抗拒他人指挥，却又茫然无措。这很荒谬：我不愿听命于人，却又不知该做什么。

If you act like you hate your job, you're gonna hate your job. Had a bad attitude. I did not like people telling me what to do, but I didn't know what to do. It's crazy. I don't want anybody to tell me what to do, but I don't know what to do.

而当无人指示时，我又无法开展工作。于是结果如何？我痛恨我的工作。我对权威充满怨恨而非感恩。残酷的事实是，我当时不理解为何有人愿意待在我所在的岗位，直到最终连这份工作也失去了。

And then when they don't tell me what to do, I can't do my job. So I guess what? I hate my job. I was resentful to authority instead of being grateful for it. The plain truth is I didn't understand why anybody would work where I was at and only to find out that now I don't have a job.

现在我的任务就是找份工作。听着，工作是逃不掉的。你总得有份工作。接着，我在一家乡村俱乐部当餐盘收拾员被开除了。

Now my job is to get a job. Look. There's no getting out of the job. You're gonna have a job. Next, I got fired from a country club as a a busboy.

我连服务员都当不上。这让我很恼火，因为我摆好餐桌，人们甚至不会因为我给他们倒水而注意到我的存在，更不用说感谢我了。我走到桌边，他们继续聊天，我端上水。

I couldn't even make it to waiter. It pissed me off because I would set a table, and people wouldn't even acknowledge my existence for filling their glasses with water, let alone thank me or anything. I'd walk up to the table. They'd continue their conversation. I'd bring the water.

我端上新盘子，连个眼神都没有。没人看我一眼。这让我崩溃，太难受了。仿佛我根本不存在。

I'd bring new plates and not even recognition. Nobody even looked at me. It killed me. It hurt so bad. It was like I was nothing.

我丢了那份工作。然后去炼油厂干活。猜怎么着？重体力活。三个月后我又失业了。

I lost that job. Then I go work at a refinery. Guess what? Hard labor. I lost that job in three months.

之后，我在渔船上干过，又去了家具店。我试图向一群女士推销家具，又在鞋店向她们卖鞋。哪儿竞争都激烈。后来我还当过服装销售员。

After that, I worked on a fishing boat, then a furniture store. I'm trying to sell furniture to a bunch of women. I'm trying to sell shoes in a shoe store to a bunch of women. Tough competition everywhere. Then I was a clothing salesman.

没干多久。我又失业了。六份工作都被砍掉、终结、解雇。其实是我在人家开除前就辞职了。最后一份工作是汽车销售员。

Not for long. I lost my job. Six jobs where I got hatcheted, killed, cut off. And the truth is I quit the jobs before they fired me. The last job I had was as a car salesman.

结果这份工作我被开除了，不知道，三四次吧。可能有六次。我拒绝离开。每次他们开除我，大多是因为我撞坏了车，他们叫我'撞车王'。但我没走，转头又卖出去一辆车。

I ended up being fired from that job, I don't know, three or four times. Maybe six. I refused to leave. Every time they fired me, mostly because I wrecked cars, they called me crash. Rather than leaving, I would go sell another car.

他们会把我叫回来，说，好吧。别再这么干了。别再毁更多的车了。但我拒绝离开，因为我擅长卖车，而且收入不错。其实，我之所以擅长，是因为我无处可去。

They'd bring me back on and say, okay. Don't do it anymore. Don't wreck any more cars. But I refused to leave because I got good at selling cars and it paid well. Well, the truth is I got good at it because I didn't have any other place to go.

我坚持下来了。顺便说一句，这份我讨厌的工作与我之前所有讨厌的工作的区别在于，我不再寻找其他工作。我只是埋头苦干，把这份工作——我的最后一份工作——做好，然后我做得更好，最终精通了它，甚至开始喜欢上它。我唯一喜欢的工作就是我擅长的工作。从那以后，我总是决定先精通手头的工作。

I committed. The difference between this job that I hated, by the way, and all the other jobs that I hated was I quit looking for another job. I just put my head down and got good at the job, my last job, and I got good at it, and then I got better at it, and then I mastered it, and then I started to like it. The only job I've ever liked was a job that I was good at. Since then, I've always decided to get good at the job that I have.

如果你先做好手头的工作，然后做得更好，最终精通它，我保证你会赚大钱，更重要的是，你会喜欢这份工作。听着，你必须找一份至少能让你稍微超前于账单的工作。卡多内地带。准备好跟G叔一起行动吧。

And if you get good at the job you have and then better at the job that you have and then master the job you have, I guarantee you're gonna make a bunch of money, and most importantly, you're gonna like the job you have. Look. You have to find a job that pays you enough to get at least a little bit ahead of your bills. The Cardone Zone. Get ready with uncle g.

记得订阅并留言。很想看看你们在讨论什么。卡多内地带。准备好跟G叔一起行动。我们将让你每天的想法和行事方式都提升十倍。

Make sure you subscribe and comment. Love to see what you're talking about. The Cardone Zone. Get ready with uncle g. We're gonna 10 x everything you thinks and the way you roll every single day.

即使你讨厌卡多内那份工作，你也需要有足够的信心坚持下去，把它做得更好，直到精通它，获得晋升，让你的收入开始转化为新机会，甚至可能赚更多钱。瞧，这里有个窍门。好吧？还有另一个窍门。我会简单提一下，稍后再深入探讨。

And then even if you hate Cardone that job, you need to have enough faith in yourself to keep at that job and to get better at that job and then to master that job until you get a promotion where your money now is starting to turn into new opportunities and possibly even making more money. See, there's a trick. Okay? There's another trick in here. I'm gonna give it to you briefly, and I'll get into it deeper later.

当你因为工作表现提升而赚更多钱，甚至精通后收入更高时，别把这些增加的收入用于提升生活质量。如果你因表现优异获得奖金或佣金，别花掉它来改善生活。用这笔钱购买能带来被动收入的资产。稍后我会详细讲解。

When you start making more money at your job because you got better, then you master it and made even more money. Do not spend the increase to improve the quality of your life. If you get a bonus or commission for doing a better job, do not spend that money to improve the quality of your life. Use that money to buy assets that bring you passive income. I'll get into more of that later.

首先，你得下定决心精通你的工作，因为说实话，你的一生都离不开工作。即使退休后，你也会有工作，那就是思考整天该做什么。听着，当我得到那份卖车的工作时，我可是有大学学历的。

First, we gotta get you committed to getting good at your job because let's face it. Your whole life is gonna be a job. Even when you retire, you're gonna have a job and your job's gonna be, what am I gonna do all day? Look. When I got that car job, that selling cars, I I had a college degree.

我曾是一名会计师。我讨厌卖车，讨厌自称汽车销售员，而且我在这方面并不擅长。我绝对做不到他们所说的‘甩卖汽车’，但我决心要变得擅长，然后决心要做得更好，再然后决心要成为顶尖，最终我成为了大师。

I was an accountant. I hated selling cars. I hated calling myself a car salesman, and I was no good at it. I definitely couldn't what they called sling a car, but I committed to getting good at it, And then I committed to getting better at it. And then I committed to getting great at it, and I became a master.

我卖出了很多车。实际上，我从全国汽车销售员中垫底的1%，一路攀升至路易斯安那州硫磺市一家小汽车经销店的顶尖1%。每天，一旦我下定决心，我就会去上班。我会提前一小时到一个半小时到达，在所有人下班后多留一个半小时。

And I sold a lot of cars. And I actually ended up going from the bottom 1% of all the car salesmen in this country to the top 1% in a tiny car dealership in Sulphur, Louisiana. Every day, once I made a commitment, I'd show up to work. I'd get there an hour to an hour and a half early. I'd stay an hour and a half after everybody closed.

镇上每家经销店都在晚上8点关门。我会待到9点半、10点、11点半，甚至午夜处理交易。我会一直待在那里。所有人都回家了，只有我还在。我会留在那里寻找机会，不停地打电话，回访客户，等待迟到的顾客出现。

Every dealership in town closed at 08:00. I'd be there till 09:30, 10:00, 11:30, midnight working deals. I'd stay there. Everybody would go home but me. I'd stay there hunting, sniffing on the phone, pounding on the phone, calling customers back, waiting for people to show up late.

这就是我认为格兰特·卡多恩真正开始成长的地方，成为今天的我。我有大学学历，所以我曾想，我为什么要卖车？我不该做这个。我必须克服那种认为自己太优秀不适合这份工作的心态。我本该是个会计师。

This is where I really started what I consider growing Grant Cardone, becoming who I am today. I had a college education, so I thought to myself, what am I doing selling cars? I shouldn't be doing this. I had to get over that mindset that I was too good for this job. I'm supposed to be an accountant.

人们会告诉我，包括家人，说我应该做会计，而不是卖车。所有这些对我来说都是需要克服的矛盾。内心深处，我觉得自己比这份工作更优秀。你必须克服这种想法。听着。

People would tell me, family members, you should be doing accounting, not car sales. All this was a conflict for me that I had to get over. Deep down, I felt like I was better than this job. You have to get over that. Look.

我的镇上没人招聘会计师。失业率高达25%。在某些时候，你必须面对现实。你17岁，什么都不懂。

Nobody in my town was hiring accountants. It was 25% unemployment. At some point, you have to face the reality. You're 17 years old. You don't know anything.

有工作总比没工作强。你55岁了找不到工作。我曾认识一个人，55岁失业。他本可以在汽车经销店工作，但他不愿意去。接下来的三十年里，他没有工作，每天都在担忧中度过。

Any job is better than no job. You're 55 and you can't get work. I knew a man once, he was out of work at 55 years old. He could have worked in a car dealership, but he wouldn't go there. He would not work for the next thirty years and be worried every day for the next thirty years.

没有人能高贵到不屑于做最底层的工作，因为如果你自视过高，就会在每一个转折点亲手毁掉自己的好机会。我之前提到的汽车经销商之所以打电话给我，是因为每隔几个月我就会撞坏一辆车、刮花一辆车，通常是在抽大麻时开车造成的。对此我并不自豪。我已经42年没碰过大麻了，建议你也别抽。

No one is too good for the lowest job because if you think you're too good for the job, you're gonna sabotage every good opportunity that you have at every turn. The car dealership called me crashes I mentioned earlier because every few months, I'd wreck the car, scratch a car, mess it up, usually driving while I was smoking weed. Not proud of that. Haven't smoked weed in forty two years. I'd recommend you not smoke it.

每次我撞车后，砰的一声，他们就会解雇我。我会抓狂地想：我该怎么办？没人会雇佣我了，我什么都不会。然后我就会解决问题——不是离开，而是再去卖一辆车。

Every time I crash one, boom, they'd fire me. I'd freak out wondering what am I gonna do Nobody's gonna hire me. I'm not good at anything. Then I'd solve the problem. Rather than leaving, I'd go sell another car.

在同一家店，我会私下搞点副业。撞了车后，我会去找老板瑞普（愿上帝保佑他，安息吧）。就这样，小子，你被开除了。

For the same place, on the side, I'd do a hustle. I'd crash a car and rip the owner. God bless, rip. That's it, son. You're done.

收拾你的东西，滚蛋吧。而我立刻就会找到另一个客户，把车卖出去。我会拿着交易合同去找瑞普说：'我知道你解雇了我，也知道我在这儿完蛋了，但我刚谈成一笔生意。在我走之前，你想签个字吗？'

Pack your stuff. Get out of here. And immediately, I'd go find another customer, and I'd sell them. I'd bring him the deal and say, Rip, I know you fired me, and I know I'm done here, but I got a deal. You wanna sign off on this one before I leave?

当然，作为汽车经销商（所有经销商都会这样），他接受了交易。他解雇过我六次，而有六次，唯一让我复职的就是业绩和成果。听着，当你从今天的位置开始迈向富裕之路时，要找到当下能给你最高报酬的工作——无论是什么——不要厌恶或怨恨它，你必须学会热爱它。热爱、珍惜并感恩这份工作。

And, of course, car dealer that he was, all car dealers will take the deal. Six times he fired me and six times, one thing got me back my job, production, results. So look. As you start your journey from where you are today to becoming rich and wealthy, finding whatever pays you the most right now, whatever that is, instead of hating it or resenting it, you gotta find a way to love it. Love it and appreciate it and be grateful for it.

因为从现状跃升到富裕阶层的最佳途径就是通过工作。看好了，这可不是致富的最差方式。网上很多人说，这是致富的第一步：工—作。

Because the best way to move from where you are to rich and wealthy is with a JOB. Look. It's not the worst way to get rich. So many people say online, it's step number one to getting rich. J o b.

致富的第一步就是找份工作。除非你有超人般的天赋，或者有个设立信托基金的老爸，否则你的任务就是找工作。接下来的任务是做好这份工作，然后是精通它，直到成为行业大师，最终有人提拔你去更高薪的岗位。如果你和大多数人一样，很可能既没有信托基金，也没有像我这样的超凡天赋。

Step number one to getting rich is getting a job. Unless you've got some mutant level talent or a daddy with a trust fund, your job is to get a job. Your next job will be to get good at that job. The next job is to get great at the job, then become a master at the job until somebody promotes you into another position that pays more. And if you're like most people, you probably don't have either a trust fund or, in my case, mutant level talents.

若你缺乏那两样东西，就去找份工作。顺便说一句，所有积累财富的人最初都始于一份工作。我敢打赌，你举不出当今世上任何一个真正取得财务成功的人，其起点不是一份工作。从史蒂夫·乔布斯到埃隆·马斯克，从比尔·盖茨到沃伦·巴菲特，你熟知或能想到的每个人——他们都有过工作。听着。

If you don't have those two things, get a job. By the way, everyone who's ever ever accumulated wealth started with a job. I challenge you to give me one example of anyone walking on this planet today who created real financial success where they did not have a job. Every one of the people that you have known or would mention or think about from Steve Jobs to Elon to Bill Gates to Warren Buffett, all of them had a job. Look.

我曾做了六年汽车销售员，尽管当时自认为厌恶这份工作，但我却把它做到了极致。事实上，我成为了最优秀的销售员之一，而这最终为我后来的人生事业奠定了基础。我的方法是全身心投入这个岗位最核心的事务：产出，完成目标。工作就是将想法落实为成品的过程。

For six years, I was a car salesman, and even though I felt like I hated it, I got great at it. In fact, I became one of the best, and it would actually end up launching a career I would have later in my life. My approach was making a commitment to embrace things that meant the most in that position. Production, getting something done. Work is the completion of an idea to producing something that is finished.

工作不是活动，而是生产。是创造出某种成果。25岁那年我下定决心：把握眼前的机会，利用手头的工作作为跳板，为自己开辟一条从现状通往理想的路径。

Work is not activity. Work is production. Producing something. Something comes out of this. I made up my mind when I was 25 years old to go ahead, do what was in front of me, take whatever opportunity I had in front of me to figure out how to make that job my vehicle to creating a path to getting out from where I was to where I wanted to go.

以销售工作为例，我必须学会与人交谈。顺便说，沟通能力将是改变你人际网络、与高净值人群建立联系的关键技能。起初我只能应付单人客户——若同时面对两人（比如夫妻），我就会手足无措。那时我完全无法应对多人场景。

In this case, a sales job, I had to learn how to talk to people. By the way, communication will be one of the key skills required for you to learn how to change your network and to network with people who have a net worth. First, I had to learn how to handle one person at a time. If you gave me more than one person in the beginning, let's say two people, a married couple, it would freak me out. I couldn't handle more than one person.

我完全不知如何应对——丈夫、妻子加上两个孩子，这种组合让我崩溃。怎么可能同时说服四个人？如何确保每个人都参与其中、保持兴趣？我痛恨这种局面。

I don't know who to handle. There'd be a husband, a wife, and two kids, and it would freak me out. There's no way I could sell four people. How do I make sure everybody's involved, everybody's interested? I hated that situation.

当客户超过两人时，我会因担心搞砸交易而逃避接待——'不，我不想伺候四个人'。于是刻意避开四人同行的顾客。最糟的是孩子们，他们会直接吐槽'后排空间太小了'这类话。

And then if there was more than two people because it would mess up my deal, I'd be like, oh, no. I don't wanna wait on four people. So I would avoid actually greeting a four person customer situation and opportunity. The kids were the worst. They'd say stuff to me like, the back seat's too small.

我想说，闭嘴，小子。你正在毁掉我的交易。我在卖车，想赚点钱。不需要你在这儿捣乱，小混混。

And I think, shut up, kid. You're you're ruining my deal here. I'm selling cars. I'm trying to make some money. I don't need that from you, punk.

我曾因不知如何应对这些局面而白白耗费时间精力感到沮丧。后来我重新振作，决心掌握同时应对四个人的技巧。当我开始相信隧道尽头有光，相信自己真能做到——一个人、两个人、直到四个人。如今我能同时应对34,000人，或在线处理20,000人。当时完全没意识到，这份让我痛恨的、看似糟糕透顶的工作，正为我日后致富做准备。

I'd waste time and energy getting frustrated because I didn't know how to handle these situations. Then I re upped and decided again to master handling four people at a time. And as I started believing in my mind that there was light at the end of the tunnel that I could actually achieve these things, one person, two people, four people. Today, I handle 34,000 at a time or 20,000 people online. I had no clue that I was getting ready for wealth later in my life with this terrible, terrible, awful tongue in cheek job that I had, that I hated.

听着，那时我的工作就是学习如何应对四个人。顺便说，这份工作是我摆脱贫困中产循环的最佳机会。学会应对家长和孩子，就是我脱离中产的通行证。看，工作是能让你致富的。

See, my job at that time was to learn how to handle four people. That job was my best chance, by the way, to break free of this poverty middle class cycle that I'd been trapped in. This was my ticket out of the middle class learning to handle the parents and the kids. Look. You can get rich from your job.

为购买这张中产解放门票，我原本不断攒钱想做成首笔房地产交易。当别人旅行买表时，我在为未来房地产投资积蓄。我一直热爱房地产。但现在回首才明白，本可以更快达成目标——只需早点认清让钱生钱的一个真相。

In order to purchase my middle class emancipation ticket, I originally kept stashing cash when I would make so I could buy my first real estate deal. While other people were going on trips and buying watches, I was stashing cash preparing in the future to start making investments in real estate. I'd always loved real estate. In the end, though, I could have made things happen a lot faster now that I look back and know more. I just needed to realize one truth about getting my money to start making money sooner.

我称之为「多门法则」：永远不要依赖单一事物，永远不要。任何事要想真正成功，都需要多扇门或规模效应。

I'll call that a lot of doors rule. Never depend on one of anything, not ever. Never never depend on one of anything. I'll talk more about that in a second. For anything you do to really succeed, you need a lot of doors or scale.

你需要不止一个机会。比如亚马逊能成为3万亿美元巨头，关键在于平台有无数入口和业务线。他们早就不止卖书，而是万物可售。很多人以为搞房地产都能赚钱。

You need more than one opportunity. For example, one of the biggest reasons Amazon works so successfully, $3,000,000,000,000 companies, because they have so many doors to their platform, so many different arms. They don't just sell books anymore. They sell everything. A lot of people act like everybody makes money on real estate.

你们这些房地产狂热分子听着：我要买交易、翻新交易、买房赚钱——好像很简单似的。

You real estate freak olas out there. Okay? Oh, I'm a buy a deal. I'm a flip a deal. I'm a buy a house and make money on it.

这不是少数人的遭遇，而是数百万人的悲剧。他们不仅失去了房子，还损失了投资收益和信用评分。我也犯过类似的错误。

It wasn't a handful of people that lost their homes. It was millions, and they didn't just lose their houses. They lost the profits. They lost their credit scores. I made a similar mistake.

实际上，我的第一笔房地产交易让我花了三年时间才真正理解这个行业。正如之前提到的，我用多年卖车积攒的钱——不是用来买名表或度假——买了第一处房产。我过于执着这处房产仅仅因为它容易购买。记住：易得之物，难弃之。有时轻易获得的东西反而最难摆脱。

In fact, it cost me three years on my first real estate deal to finally understand and learn real estate. I used the money that I've been stashing for my car sales for years as I mentioned earlier, not to buy watches and vacations, but to buy my first property. And I got attached to the first property because it was easy to buy. Remember this, if it's easy to get, it's hard to get rid of. An easy thing to get sometimes is very difficult to get rid of.

现在想来，我本该在第一套房安置租客后，继续在同街区购买十套房产。或者转手卖给他人——虽然这不是好主意，因为无法产生持续收入。最终我因不懂市场运作和规模效应而长期持有它。

See what I should have done with my first house was I should have bought one house, put a tenant in it, and bought 10 more houses on the same block. Or I could have put a tenant in it and then flip the house to somebody else. And that's not a good idea because that doesn't give me income. Anyway, I held onto it. I held onto the house because I didn't understand how the marketplace works and I didn't understand scaling.

我当时不明白'永远不要孤注一掷'的道理，收入来源也是如此。讽刺的是，正是那个我自以为讨厌的销售工作，为我提供了购买这套房的资金。我在休斯顿花了三年学习房地产，第一套房每月带来200美元额外收入。

I didn't understand the concept of never depend on one of anything. This is also true about your income. All that said, it was the job I thought I hated by the way, remember that sales job that I thought I hated that ultimately gave me the money to buy this one house. See, I kept the house and I spent the next three years in Houston learning about real estate. I bought one house, put a tenant in it, made 200 extra dollars a month.

第二套房每月产生400-500美元收益，我第一次有了被动收入。但当首位租客搬离时，财务状况立刻恶化。这才意识到自己是在未充分学习时就贸然行动。

Bought a second house and made a couple 400 or $500 a month. I had a passive income coming in for the first time. But then one of the tenants moved out of the first house and bang, I'm negative again. So I started studying the real estate game. I was trying to do something without learning it.

于是我潜心研究投资之道，专注学习房地产大亨的策略——不是街坊那些'隔壁百万富翁'（我讨厌这类人，他们总给糟糕建议）。我开始向冠军级人物学习：山姆·泽尔、弗雷德·特朗普（唐纳德·特朗普之父），以及我在加州的朋友唐纳德·布林恩。

So now I had to put my head down and learn how to invest. I stayed focused on learning what the big real estate moguls do, not the guy down the street, the millionaire next door, hate that guy. Okay? He always gives bad advice. So rather than buying onesies and twosies, I started studying with the champions, Sam Zell, Fred Trump, that's Donald Trump's father, or my friend out in California, Donald Brynn.

这些人是超级、超级房地产大亨。他们中没有一个人只买一套房。他们都买了多套房产，租出去，通常集中在一个地方。他们把所有的钱、时间和精力都集中起来，获得了巨大的现金流。而且他们从不依赖单一房产。

These guys are mega, mega real estate guys. And none of them was buying one door. They all bought multiple doors, put renters in them, typically in one location. They concentrated all their money, time, and energy, and they had massive cash flows. And they were never dependent upon one door.

我的下一笔房地产交易，也就是第三笔，价值190万美元。那是位于加利福尼亚州圣地亚哥的一个48单元的综合体。我为此支付了35万美元的首付。还记得我讨厌的那份工作吗？那份我觉得大材小用的工作？正是它给了我35万美元来支付这个项目的首付。我能做到这一点，仅仅是因为我一直在存钱，而不是花钱，而且这样坚持了三年。

My next real estate purchase, my third deal was $1,900,000 It was 48 unit complex in San Diego, California. I put 350,000 down from that. You remember that job that I hated that job that I was too good for? It gave me the money to put $350,000 down on this project. I was only able to do that because I'd been banking the cash, not spending it and doing so every month for three years.

我在那份销售工作上变得非常出色，因为我知道那份工作将为我的房地产投资提供资金。所以人们都知道这一点。看，我在那份销售工作上变得非常出色，非常出色。为什么？

I got really good at that sales job because I knew that sales job was going to fund my real estate. So people knew that about me. See, I got really good at that sales job. Really good. Why?

因为我有动力把钱存进储蓄账户，有朝一日投资房地产。因为我做得不错，然后越来越好，最后达到了精通的地步。31岁时，我甚至围绕汽车经销商创办了一家咨询公司。我会把所有额外的钱都存起来。我不懂股票。

Cause I was motivated to get money in my savings account that I would one day invest in the real estate because I got good and then I got better and then I got great. And then I mastered it. I ended up starting a consulting company around automobile dealerships at the age of 31. I would take all the extra money, stash it on the side. I didn't understand stocks.

我不想用一张纸（美元法定货币）去换另一张虚构的纸。我希望我的纸能升级。我希望我的美元能升级为金属、玻璃、混凝土、土地、房产，一些我能触摸和感受到的东西。看，我花了三年时间在这上面努力，从28岁到31岁，那是一段很长的时间。我每天都在看交易。如果我不是在卖车，或者咨询汽车经销商如何卖更多车，我就是在看房地产交易，研究交易，和经纪人交谈。

I didn't want to trade paper for paper, take a piece of paper called the U S dollar Fiat, trade it for another piece of made up paper. I wanted my paper to upgrade. I wanted my dollars to upgrade to metal, glass, concrete, land, piece of property, something I could touch and feel. Look, it took me three years of working on this and three years is a long time from 28 to '31, I was looking at deals every day. If I wasn't selling cars or then consulting automobile dealers on how to sell more cars, I was looking at real estate deals, researching deals, talking to brokers.

当我看到合适的交易时，我已经足够了解。我不断地研究交易，学习，和经纪人交谈，不仅仅是为了找到合适的交易。所以当我看到合适的交易时，我可以果断出手。看，那就是我讨厌的工作。卖车的工作，然后卖给汽车经销商，然后学习。

And I knew enough when I saw the right deal. I constantly was researching deals, learning, talking to brokers to know not just find the right deal. So then when I saw the right deal, I could pull the trigger on it. See, that was the job I hated. The car job, then selling to car dealers, and then learning.

顺便说一句，我讨厌所有这些工作，希望你们能理解。我讨厌所有没有回报的事情，你们不也是吗？但这是一份工作，而你的工作就是带你到下一个地方。无论什么工具能带你到下一个地方，我们就开始吧。我做的第三笔交易，那48个单元让我成为了百万富翁。

I hate all these jobs by the way, just so you guys understand. I hate all things that don't equate to something with a payoff, don't you? But it's a job and your job is to get you to the next place. Whatever vehicle gets you to the next place, let's roll. That third deal that I did, the 48 units made me a millionaire.

一笔交易让我赚的钱比我八岁以来赚的还多。比太阳起得还早。听着，一旦你意识到工作其实是载你从此岸到彼岸的交通工具这一真相，一旦你明白工作在你从底层攀爬过程中所扮演的真实角色，某种变化会突然在你体内发生。你的职业道德将成为他人熟知且无法匹敌的标签。顺便说一句，所有伟人都谈论过这点。

Made me more money on one deal than I had made since I was eight years old. Beating the sun up. Look, once you realize the truth about the role of the job that actually is the vehicle to get you from here to there, once you know the truth about that role of the job actually filling in your climb from roadkill, the wealthy, something suddenly will change in you. Your work ethic becomes something other people will know you for and cannot compete with. All the greats talk about this by the way.

听着，培养强大职业道德没有魔法公式。我曾被每份工作解雇，在市场上受尽轻视，顶着黑眼圈和坏名声，无人相信我，最终却成为全国顶尖的1%，人人皆知。所有人都知道我会早到迟退。我从害群之马变成了英雄。真正的关键在于理解工作在你人生旅途中的角色。

Look, there's no magic formula for developing a strong work ethic. I went from getting fired from every job I had to being disrespected in the marketplace, literally having a black eye, bad reputation, nobody believed in me, to being the top 1% in the country and everybody knew me. And everybody knew I would show up early, I would stay late. I went from black sheep to hero. The real key is understanding the role that a job holds along your journey.

工作就是交通工具，是从底层到富裕再到富贵的载具。如果你能用这种认知来培养职业道德——每天比太阳起得早，即使不必如此也要坚持早起。我保证你会更欣赏自己。你永远不会因早起而后悔。'比太阳起得早'意味着我在日出前就起床。

It is the vehicle, the job or jobs is the vehicle from being roadkill to rich and then to wealthy. If you can use that awareness to build work ethic where you're beating the sun up every day, even if you don't have to beat the sun up, beat it up, beat it up and get up. I promise you you'll feel better about yourself. You'll never feel bad because you beat the sun up. Beat the sun up means I get up before the sun gets up.

清晨你可能像我一样挣扎着不想起床，想睡懒觉，但到晚上你会想：真庆幸今天这么做了。顺便说，你的一天不必熬到晚上10点结束，可以是早上10点就完成。你可以比他人提前三、四、五个小时。伙计，我肯定庆幸今天早起。

Early in the day, you might be dragging butt like I do, I don't want to get up, I want to sleep in, but at the end of the day, you're going to be like, I'm sure glad I did this today. By the way, your end of your day doesn't have to be a 10:00 at night. It could be 10:00 in the morning. You could be three, four, five hours ahead of everybody else. Man, I'm sure glad I got up early today.

我从未为此后悔过。每天早晨像度假时那样早起去工作。听着，日出前发生的某些事我甚至无法解释，那是特别的时刻，是一天中与众不同的部分。

I've never ever regretted that. Get up every morning early like you're on a vacation and go to work. Look, there's something that happens before the sun comes up that I can't even explain. It's something special. It's just a different part of the day.

这让你对自己感觉良好。我看到太多人沉溺于胜利——因为职业道德崩塌，他们不再努力。他们陷入胜利的泡沫中想要庆祝犒赏自己。'今天该睡懒觉'——老兄，今天该早起才对。

It makes you feel good about yourself. I see so many people get sucked into their own victories, meaning because their work ethic is broken, they don't keep working. They get sucked into their victories and they wanna celebrate and reward themselves. It's my day to sleep in. Dude, it's my day to get up.

我要赶在太阳升起前行动，因为我昨天确实赢了，今天我要再去赢一次。我不会庆祝，也不会打乱策略。昨天我早起就赢了，今天我要再次早起，看看能否连赢两场。

I'm gonna beat the sun up because I did win yesterday, and I'm gonna go win again today. I'm not gonna celebrate. I'm not gonna break the strategy. I got up early yesterday and I won. I'm gonna get up early again today and see if I can win twice.

别让你破碎的工作道德阻碍你工作。或许你会自我安慰：我签了个单子，我该休息了。我签了个单子。

Don't let your work ethic that is broken keep you from working. Or maybe you pat yourself on the back. I got a deal. I deserve time off. I got a deal.

我该去度假了。我拿了奖金，快去挥霍吧。这简直是疯狂，只会让你陷入陷阱。

I deserve a vacation. I got a bonus. Let's go spend it. This is insanity. It keeps you in the trap.

这是在摧毁人们。但我比其他人强多了，我可是中产阶级。懂吗？我配得上一趟旅行。

This is a destruction of people. But I'm doing so much better than everybody else. I'm in the middle class. You know? I deserve a trip.

就像汤姆·布雷迪赢得第49届超级碗，他的第五个冠军奖杯时，他已准备好迎接下一场战斗。我认识的所有顶尖人物，他们的职业道德都如此鲜明、普遍且强烈。如果你没有，就去培养；如果找不到，就去追寻。

Just like when Tom Brady won that Super Bowl forty nine, his fifth bowl. He was ready for the next one. The work ethic of anyone I know at the top is so obvious, so prevalent, so intense. If you don't have that, build it. If you can't find it, look for it.

它就在你体内。顺便说，这不仅仅关乎你自己。你的工作态度会通过榜样作用感染你的圈子。不需要告诉别人你很努力，只需努力干活，他们自然会看到。

It's in you. And it's about more than just you, by the way. Your work ethic is contagious to your community because of your example. You don't need to tell people you work hard. You need to work hard and they'll see it.

职业道德不需要预算。职业道德是免费的。它不花一分钱。运用你的职业道德绝不会让你破产。职业道德对你或他人永远不会有坏处。

Work ethic doesn't have a budget. Work ethic is free. It costs nothing. You can't go broke using your work ethic. Work ethic is never gonna be bad for you or anyone else.

你的一些朋友可能会对此有意见。老兄，你总是在工作。也许你的女朋友也会有意见。但我向你保证，你自己不会有问题。太多人犯的错误是，太快地从你现在认为讨厌的工作转向另一份新工作——顺便说一句，那份工作你也会讨厌，因为你还记得牛仔说的话吗？

Some of your buddies are gonna have a problem with it. Man, you're always working. Maybe your girlfriend's gonna have a problem with it. I promise you, you're not gonna have a problem with it. The mistake too many people make is moving too quickly away from the job you have right now that you think you hate to some new job that, by the way, you will hate too because you remember what cowboy said?

无论我去哪里，我都在那里。看，这本身就是个陷阱。有一种想法是你要成为个体创业者或外包一切。你每周只工作四小时。还记得那本书吗，《每周工作四小时》？

Wherever I go, there I am. See, and that's a trap in and of itself. There's this idea that you're gonna be a solopreneur or outsource everything. You're gonna work four hour a week. Remember that book, the four hour work week?

太糟糕了。共产社会主义。我只打算工作四小时，然后我就会变得富有。从来没有人只工作四小时就变得富有的。这太愚蠢了。

How terrible. Communist socialism. I'm only gonna work four hours, and I'm gonna get rich. Nobody's ever just worked four hours and got rich. It's stupid.

像你我这样的人努力工作，需要动力。每周工作四小时或笔记本电脑生活方式的想法完全是胡说八道。你不能外包一切。记住，你的工作是第一块垫脚石，从你所在的位置到你想要到达的地方——从不存在的中间阶层到富有，再到财富。杰夫·贝索斯工作很努力。

People like me and you work hard and need motivation. The idea of a four hour work week or laptop lifestyle is complete BS. You cannot outsource everything. Remember that your job is a first stepping stone from where you are to where you wanna be from the middle class that doesn't exist to rich and then wealthy. Jeff Bezos worked hard.

在65岁临终时，破产的兄弟被他的儿子问到，爸爸，为什么你最终如此压力和贫穷？他用最后一口气告诉儿子，你奶奶让我存下所有的钱。最后，钱失去了价值，随着年龄增长，我无法跟上。对不起，儿子。在90岁高龄临终时，富有的双胞胎儿子问了他父亲同样的问题。

On his deathbed at age 65, the broke brother was asked by his son, dad, why did you end up so stressed out and poor? With his final breath, he told his son, your grandmother told me to save all the money I had. In the end, the money lost its value, and I just couldn't keep up with it as I got older. I'm sorry, son. On his deathbed at the ripe age of 90, the wealthy twin son asked his dad the same question.

父亲临终时面带微笑说，你祖母告诉我要把赚的钱都存起来，我照做了。你祖父又建议我将积蓄投资于能带来更多现金流的项目，我也照办了。最终，我的收入总是大于支出，想不富裕都难。说完这些，他含笑离世。这就是金钱的第一法则。

With a smile on his face, the dad who was passing away said, your grandmother told me to save all the money I made, so I did. And your grandfather told me to invest the money that I saved in things that would provide more cash flow, so I did. In the end, I always had more money coming in than going out, so there was no way to become anything other than wealthy. And with that, he died with a smile on his face. The first rule of money.

金钱只有在使用时才有价值，否则毫无意义。记住：金钱的价值取决于你如何使用它。你的任务就是让钱为你工作。

Money is only valuable when it is used. Otherwise, it's useless. Remember this. Money is only as valuable as the money that you use. Your job is to put money to work.

烧钱。字面意义上的焚烧。接下来这个比喻会用到火焰和汽油，请保持安全距离。哦，记得穿上保暖的冬季外套，因为气氛即将升温。顺便说，我用烧钱作比喻不只是为了视觉冲击。

Burning it. Literally burning it. There will be fire and gasoline used in this analogy I'm about to make, so keep yourself at a safe distance. Oh, and wear a warm winter jacket because I'm about to get hot. And by the way, I'm not using the money burning analogy for the impact only.

我要你思考真正的原因——为何你拥有的钱可能不及预期或应得的数量。首先分享三个关于金钱的冷知识，建议你记下来。这三个小要点将彻底改变你对金钱本质的认知，以及使用、消费和投资它的方式。为铺垫这些，我们先探讨那个必须直面的大问题。

I want you to think about what the real reasons are that you probably don't have as much money as you might want or deserve. First, let me share with you three things that no one ever taught me about money. You might wanna write these down. Three small things that will change everything for you when it comes to the way you think about what it really is, how to use it, spend it, and invest it. And to set all this up right away, let's talk about the big question that really needs to be asked and answered.

成堆成捆的钞票。如果让你选择哪堆更有价值，任何有基本常识的人都会选更大的10英尺立方体。但为什么呢？你的判断依据是什么？若你认为两叠钞票都出自财政部铸印局，那你就错了。

Stacks and stacks, racks and racks. If I ask you which of the racks or stacks you'd rather have, which is most valuable, you and anyone with any basic sense would probably pick the bigger of the two, the 10 foot cube. Why would you say that though? I mean, what's your answer based on? If it's based on the belief that both stacks were printed at the treasury department's bureau of engraving and printing, you'd be wrong.

因为仔细观察后你会发现，那个10英尺高的立方体是由一家名为Acme Co的新奇公司印刷的，这家公司正是老版《乐一通》中土狼追逐roadrunner动画里道具的来源。你看，现金在被使用前毫无价值。让它为你工作吧。当我揭露那10英尺高的钱堆是从Acme Co订购的假钞时，你对这个假设钱堆价值的看法就改变了。你这边可能只有1万美元或某个数字，上面印着本杰明·富兰克林的肖像、后退的发际线、'我们信仰上帝'字样，所有序列号看起来都很逼真。

Because on closer inspection, you'd see that the 10 foot cube was printed by a novelty company they called Acme Co, the source of old wild e coyotes props from the old Looney Tunes Roadrunner flicks. See, cash is useless until it is used. Make it work for you. See, once I revealed that the 10 foot pile was ordered from Acme Co, company that it's fake money, your opinion about the value of this hypothetical stack or rack changes. You've only got what, $10,000 on one side or whatever the number is, and they've got Ben Franklin's face on it, receding hairline, in god we trust, and it looks legit with all his serial numbers.

我不知道。所以我的问题还是：为什么？谁来决定真钞和Acme道具钞票的价值？在我看来，这两堆钞票的真正价值在于它们如何被使用。它们的价值只是用来向你证明一个重要观点的道具。

I don't know. So, again, my question is why? Who determines what the real bills are worth are the acne bills? In my opinion, the real value of either stack of bills is how they get put to use. Their value is a prop to demonstrate an important point to you.

两堆钞票本质上都是用打印机以相同方式生产的。但当你意识到10英尺那堆来自Acme新奇公司而非财政部时，你实际上会给3英寸那堆赋予更高价值。让我再进一步类比：假设我们带着这两堆钞票在阿拉斯加荒野的严冬里，一堆10英尺高，另一堆大概几英寸。我把你留在荒原小屋里，没有手机、网络和交通工具。

Both piles are essentially produced the same way using a printer. And yet once you become aware that the 10 foot stack is from Acme novelty, not the treasury department, you quite actually give the three inch stack more value than the 10 foot stack. But let me take this analogy one step further. Let's say you and I are in the Alaskan wilderness during the dead of winter with these two stacks of bills, one's 10 foot and one's, I don't know, a couple inches. I've dropped you off in the in a cabin in the middle of nowhere, no phone, no Internet, no means of travel.

你穿着单薄的内衣和薄外套，天气很冷。我告诉你将把你留在小屋里两周，你必须在零下环境中生存。除了选择的钞票堆，你只有一个炉子、一盒火柴和几加仑汽油。现在哪堆钞票更有价值？

You got some underdress on and a little jacket and it's cold. I tell you, I'll be leaving you in the cabin for two weeks. You have to survive through sub zero weather. All you've got other than whichever stack you choose is a stove, a box of matches, and a couple gallons of gasoline. Now which stack seems more valuable?

听着，你很聪明——我知道你是——你会立即改变选择对吧？随着气温越来越低，那些Acme道具钞票变得极具吸引力。我要说的核心观点是：钱只有在使用时才有价值。而大多数人并没有使用他们的钱。

Look, you're smart, and I know you are, you suddenly switch your choice stacks again. Right? See those acne novelty bills are looking mighty attractive as it gets colder and colder. The obvious point I'm getting to is that money only becomes valuable when it is used. And most people are not using their money.

他们在存钱。这是关于金钱的第一个谎言。你可以存钱？不，你无法存钱。存钱是不可能的。

They're saving it. This is one of the first lies about money. You can save it. You cannot save money. It is impossible to save money.

这或许能给你带来些许心理安慰，然而，那不过是种错觉，一个神话，以为一旦停止工作就能受到庇护，可以走进银行退休，从此过上幸福生活。记得订阅并留言。很想知道你们的想法，也为今天的节目做好准备吧。

It might give you some peace of mind, however, some false notion, that's what it is, a myth, that you're going to be protected when you stop working, and you're gonna be able to go to the bank and retire and live on happily ever after. Make sure you subscribe and comment. Love to see what you're talking about and get ready for today's show.