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8. Assets buy luxuries.
8．用資產來購買奢侈品。
If a person cannot master the power of self-discipline, it is best not to try to get rich.
如果一個人缺乏自律，最好別想著致富。
For while the process of developing cash flow from an asset column in theory is easy, it is the mental fortitude of directing money is hard.
因為從理論上來講，從一項資產中獲得現金流的過程是容易的，但是擁有控制金錢的堅強意志卻是困難的。
Due to external temptations, it is much easier in today's consumer world to simply blow it out the expense column.
由于種種外在的誘惑，所以很容易在支出項上揮霍金錢。
Because of weak mental fortitude, that money flows into the paths of least resistance.
因為意志薄弱，金錢的流出簡直是無遮無攔。
That is the cause of poverty and financial struggle.
這就是大多數人貧困并在財務困境中苦苦掙扎的原因。
I love my luxuries as much as anyone else.
我和其他人一樣喜歡奢侈品。
The difference is some people buy their luxuries on credit.
差別在于有些人貸款購買奢侈品。
It's the keep-up-with-the-Joneses trap.
這是一個相互攀比的陷阱。
When I wanted to buy a Porsche, the easy road would have been to call my banker and get a loan.
而假如我想買一輛保時捷，最簡單的方法可能也是給我的銀行經理打電話，讓他幫我申請一筆貸款。
Instead of choosing to focus in the liability column, I chose to focus in the asset column.
但實際上我不會這么做，我選擇關注資產項而不是負債項。
As a habit, I use my desire to consume to inspire and motivate my financial genius to invest.
我習慣于用消費的欲望來激發并利用我的理財天賦去投資。
Too often today, we focus on borrowing money to get the things we want instead of focusing on creating money.
今天，我們關注的是借錢來買我們想要的東西，而不是如何才能創造財富。
One is easier in the short term, but harder in the long term.
這樣做從短期來看很容易，但從長期來看卻很難做到。
It's a bad habit that we as individuals, and as a nation, have gotten into.
不論是對個人還是國家來說，這都是一種壞習慣。
Remember, the easy road often becomes hard, and the hard road often becomes easy.
記住，輕松的道路往往會越走越艱難，而艱難的道路往往會越走越輕松。
The earlier you can train yourself and those you love to be masters of money, the better.
你能越早開始訓練自己和自己所愛的人做金錢的主人，結果就會越好。
Money is a powerful force. Unfortunately, people use the power of money against them.
金錢是一種強大的力量，但不幸的是，有的人讓金錢的力量反過來對付自己。
If your financial intelligence is low, money will run all over you.
如果你的財商很低，金錢就會超過你。
It will be smarter than you.
它會比你更精明。
If money is smarter than you, you will work for it all your life.
如果你不如金錢精明，你就將為它工作一生。
