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Most people have an opportunity of a lifetime flash right in front of them, and they fail to see it.
其實，大部分人一生當中至少會遇到一次大好的機會，只是他們自己沒有看見而已。
A year later, they find out about it, after everyone else got rich.
一年之后，當他們猛然意識到那個機會的價值時，別人早就因此致富了。
Financial intelligence is simply having more options.
擁有理財能力就意味著擁有更多的選擇機會。
If the opportunities aren't coming your way, what else can you do to improve your financial position?
如果機會并沒按你的預想降臨，那么你還能做點什么來改善自己的財務狀況呢？
If an opportunity lands in your lap and you have no money and the bank won't talk to you, what else can you do to get the opportunity to work in your favor?
如果機會降臨了，你卻沒有錢，銀行也不幫你，那你又該做些什么來利用這一機會使自己受益呢？
If your hunch is wrong, and what you've been counting on doesn’t happen, how can you turn a lemon into millions?
如果你的預感是錯誤的，你所預計的事情并沒有發生，你又如何將一筆小錢變成數百萬美元？
That is financial intelligence. It is not so much what happens, but how many different financial solutions you can think of to turn a lemon into millions.
這就是理財能力。當你想要的沒有出現時，你能想出多少種理財方法來把一筆小錢變成數百萬美元。
It is how creative you are in solving financial problems.
這就要看你在解決財務問題上有怎樣的創造性了。
Most people only know one solution: Work hard, save, and borrow.
可大部分人卻只知道一種方法：努力工作、儲蓄和借貸。
So why would you want to increase your financial intelligence?
那么，為什么你想提高自己的理財能力呢？
Because you want to be the kind of person who creates your own luck.
因為你想成為能夠自己創造機遇的人。
You can take whatever happens and make it better. Few people realize that luck is created, just as money is.
你能夠坦然地接受發生的任何事情，并努力使事情變得更好。很少有人知道機遇和金錢是可以創造的。
And if you want to be luckier and create money instead of working hard, then your financial intelligence is important.
如果你想更幸運一些，掙到更多的錢，而不只是辛苦工作，那么你的理財能力就非常關鍵。
If you are the kind of person who is waiting for the right thing to happen, you might wait for a long time.
如果你是那種只會等待“好事情”發生的人，那么，你就可能要等很長一段時間了。
It's like waiting for all the traffic lights to be green for five miles before you'll start your trip.
這就好比在動身旅行之前非要等到前面8公里長的路上所有的紅綠燈都變成綠色一樣。
