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In summary, the end result in making a decision to own a house that is too expensive
總之，決定買很昂貴的房子
in lieu of starting an investment portfolio early on
而不是早早開始證券投資
impacts an individual in at least the following three ways:
將對一個人的生活在以下3個方面形成沖擊：
1. Loss of time, during which other assets could have grown in value.
失去了用其他資產增值的時機。
2. Loss of additional capital, which could have been invested
本可以用來投資的資本
instead of paying for high maintenance expenses related directly to the home.
將用于支付房子高額的維修和保養費用。
3. Loss of education.
失去受教育的機會。
Too often, people count their house, savings and retirement plans as all they have in their asset column.
人們經常把他們的房子、儲蓄和退休金計劃作為他們資產項的全部內容。
Because they have no money to invest, they simply don't invest.
因為沒錢投資，也就不去投資。
This costs them investment experience.
這就使他們無法獲得投資經驗。
Most never become what the investment world calls "a sophisticated investor."
多數人永遠不會成為被投資界稱為"成熟投資者"的人。
And the best investments are usually first sold to sophisticated investors,
而最好的投資機會往往都是先給那些"成熟投資者"的
who then turn around and sell them to the people playing it safe.
再由他們轉手給那些謹小慎微的投資者。
My educated dad's personal financial statement best demonstrates the life of someone in the Rat Race.
我那受過良好教育的爸爸的財務狀況，很好地描述了"老鼠賽跑"式的生活。
His expenses seem to always keep up with his income, never allowing him to invest in assets.
他的支出總是和他的收入持平，根本不可能去投資。
As a result, his liabilities such as his mortgage and credit card debts are larger than his assets.
結果，他的負債，比如抵押貸款、信用卡貸款總是比他的資產還多。
My rich dad's personal financial statement on the other hand
另一方面，富爸爸的財務狀況
reflects the results of a life dedicated to investing and minimizing liabilities.
反映了致力于投資和減少負債的結果。
His assets greatly exceed his liabilities.
他的資產遠遠超過了負債。
A review of my rich dad's financial statement is why the rich get richer.
關于富爸爸的財務狀況的分析說明了為什么富人會越來越富。
The asset column generates more than enough income to cover expenses,
資產項產生的收入足以彌補支出
with the balance reinvested into the asset column.
還可以用剩余的收入對資產項進行再投資。
The asset column continues to grow and, therefore, the income it produces grows with it,
資產項不斷增長，相應的收入也會越來越多。
the result being the rich get richer!
其結果是：富人越來越富！
