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When I say mind your own business, I mean to build and keep your asset column strong.
當我說關注自己的事業時，我的意思是建立自己牢固的資產。
Once a dollar goes into it, never let it come out.
一旦把1美元投入了資產項，就不要讓它出來。
Think of it this way: Once a dollar goes into your asset column, it becomes your employee.
你應該這么想，這1美元進了你的資產項，它就成了你的雇員。
The best thing about money is that it works 24 hours a day and can work for generations.
關于錢，最妙的就是讓它可以一天24小時不間斷工作，還能為你的子孫后代服務。
Keep your day time job, be a great hardworking employee, but keep building that asset column.
你要照常去工作，做個努力的雇員，但要不斷構筑你的資產項。
As your cash flow grows, you can buy some luxuries.
當你的現金流增加時，你可以買點兒奢侈品。
An important distinction is that rich people buy luxuries last, while the poor and middle class tend to buy luxuries first.
富人與窮人一個重要的區別就是：富人最后才買奢侈品，而窮人和中產階級會先買下奢侈品。
The poor and the middle class often buy luxury items such as big houses, diamonds, furs, jewelry, or boats because they want to look rich.
窮人和中產階級會買諸如大房子、珠寶、皮衣、寶石、游艇等奢侈品，因為他們想讓自己看上去很富有。
They look rich, but in reality they just get deeper in debt on credit.
他們看上去的確很富有，但實際上他們已深陷貸款的陷阱之中。
The old-money people, the long-term rich, build their asset column first.
那些能給子孫留下遺產的人和那些能長期富有的人，就是先構筑資產項。
Then the income generated from the asset column buys their luxuries.
然后才用資產所產生的收入購買奢侈品的。
The poor and middle class buy luxuries with their own sweat, blood, and children's inheritance.
而窮人和中產階級則用他們的血汗錢和本應該留給子孫的遺產來購買奢侈品。
A true luxury is a reward for investing in and developing a real asset.
真正的奢侈品是對投資和積累真正資產的獎勵。
For example, when my wife and I had extra money coming from our apartment houses, she went out and bought her Mercedes.
例如，當我和我妻子通過房地產生意獲得了額外的收入時，她去買了輛奔馳汽車。
It didn't take any extra work or risk on her part because the apartment house bought the car.
這不是因為她增加工作量或是冒著風險才買下的，是她在房地產生意上的收益為她支付了這輛車。
She did, however, have to wait for four years while the real estate investment portfolio grew and finally began throwing off enough extra cash flow to pay for the car.
然而,她等了4年,直到房地產投資升值，并最終有足夠的現金流足以購買這輛車之前，。
But the luxury, the Mercedes, was a true reward because she had proved she knew how to grow her asset column.
但是這奢侈品的確是個獎勵，因為它證明了她知道如何增加自己的資產。
That car now means a lot more to her than simply another pretty car.
那輛車對她的意義已不僅是一輛漂亮的車。
It means she used her financial intelligence to afford it.
而意味著她能用自己的財務知識得到它。
What most people do is impulsively go out and buy a new car, or some other luxury, on credit.
大多數人則會沖動地用貸款去買新車或其他奢侈品。
They may feel bored and just want a new toy.
他們可能對生活有些厭煩了，所以期待有點新玩意兒。
Buying a luxury on credit often causes a person to sooner or later actually resent that luxury because the debt on the luxury becomes a financial burden.
用貸款買奢侈品，結果遲早會讓人們放棄那些東西，因為借下的債是個沉重的負擔。
After you've taken the time and invested in and built your own business, you are now ready to add the magic touch.
在你花時間投資并創建自己的事業之后，就準備好迎接那神奇的秘密吧。
The biggest secret of the rich-the secret that puts the rich way ahead of the pack.
富人的最大秘密，這個秘密讓富人遙遙領先。
