原创 【龙腾网】富人隐瞒的最大的金钱秘诀是什么？

众所周知，百万富翁的理财方式与许多人不同，但他们的秘诀是什么呢? 我逐渐发现，超级富豪有一套不同的信仰、哲学和策略。他们致富的秘诀不仅仅在于金钱机制; 而是在于他们的价值观和思维水平。

这些都是富人的秘诀，你也可以在自己的生活中实践。

富人通过早期储蓄和投资，然后用这些钱生钱，从而变得更富有。虽然这是事实，但那些没有进行尽职调查的在线投资通常会在这个过程中赔钱。在大多数情况下，当你熟练使用finrecop /org等权威机构时，所述被盗投资可以找回，因为他们有减轻欺诈行为的影响和扭转本来会导致财务挫折的情况的记录。

Millionaires don’t always look like millionaires. That’s because they spend their money modestly instead of pretentiously. Think crockpot meals at home instead of trendy restaurant dinners, a 28-cent cup of coffee from home instead of a $4.95 Starbucks grande mocha.

If you use a credit card for convenience and emergencies, be sure to pay it off every month. The average person owes $4,717 in credit card debt. And the average interest rate on credit cards is 15 percent. If you paid the minimum payment of $189 every month for 10 years, you’d end up paying $18,155 in interest. Pay off the balance right away and you get that extra $18,155 in your pocket.

Spend some time thinking about your future goals. Maybe you’re hoping to travel, send your kids to college, retire comfortably or all of the above. Just remember that a little short-term sacrifice can pay big dividends in the future. With your goals in mind and some figures to work with, a retirement savings calculator can give you a better understanding of what you’ll need to meet your future financial goals.

Achieving massive goals is never a walk in the park. Those who push forward get rewarded. Consider making a list of five things you must do today that may be uncomfortable, but will get you a few steps closer to great wealth.

Good luck.

百万富翁并不总是看起来像百万富翁。那是因为他们花钱很谦虚，而不是自命不凡。想想看，他们在家里吃饭而不是在时髦的餐厅吃饭，在家喝一杯28美分的咖啡而不是4.95美元的星巴克大杯摩卡。

如果你为了方便和紧急情况使用信用卡，一定要每个月还清。人均信用卡债务为4717美元。信用卡的平均利率是15%。如果你连续10年每月支付189美元的最低还款额，你最终将支付18,155美元的利息。马上付清余额，你的口袋里就会多出18155美元。

花点时间思考你未来的目标。也许你希望去旅行，送孩子上大学，舒适地退休或以上所有。只要记住，短期的小小牺牲可能会在未来带来巨大的回报。考虑到你的目标和一些数据，退休储蓄计算器可以让你更好地了解你需要什么来实现你未来的财务目标。

实现巨大的目标绝不是在公园里散步。那些勇往直前的人会得到回报。考虑列出五件你今天必须做的5件事情，这些事情可能会让你不舒服，但会让你离巨大的财富更近一步。

祝你好运。

Hp02121，Former Retired

I have a childhood friend named Stan. He and I grew up in what is now a very dangerous part of Boston called Dorchester. Stan is 78 and I am 79. After I moved away from Boston in 1967, I lost touch with Stan. Thanks to social media we reconnected in 2015. Stan still lives in the Boston area and I live near Washington, DC. We both came from poor families.

I finally got to see Stan in 2018, and of course we reminisced about the “good old days.” I talked about my life over the intervening period of time, and he talked about his.

我有个儿时的朋友叫斯坦。他和我在现在波士顿一个非常危险的地方——多切斯特长大。斯坦78岁，我79岁。1967年我离开波士顿后，就和斯坦失去了联系。多亏了社交媒体，我们在2015年重新建立了联系。斯坦仍然住在波士顿地区，而我住在华盛顿特区附近。我们都来自贫穷的家庭。

2018年，我终于见到了斯坦，当然，我们回忆起了“过去的美好时光”。我谈到了这段时间里的生活，他也谈到了他的生活。

I was astounded to learn that he is a multimillionaire. He didn’t strike it rich, or win the lottery, or inherit the money. He didn’t buy shares of Apple or Microsoft when they both went public. What he did was save 10% of his paycheck every week. Stan was an accountant and went to work for a medium size come in the housing industry. Over a few years he became the head accountant and started to learn about finance and investments. He worked fo4 the same company for over forty years. By the time he retired at the age of 73, all of his money and his investments had grown to several million dollars.

Stan never spent money foolishly. He stayed out of credit debt. He paid cash for his and he keeps them for about 10 years. He wears a Timex watch when he could afford a Rolex. His secret to becoming a millionaire was to save and invest and not spend money foolishly. Stay out of credit debt, and live below your means. It’s not a big secret, but for most people, it’s very hard to do

听说他是个千万富翁，我很吃惊。他没有一夜暴富，也没有中彩票，也没有继承遗产。当苹果和微软上市时，他没有购买它们的股票。他所做的就是每周把工资的10%存起来。斯坦是一名会计，后来在一家中等规模的房地产公司工作。几年后，他成为了首席会计师，并开始学习金融和投资。他在同一家公司工作了四十多年。到他73岁退休时，他所有的钱和投资已经增长到几百万美元。

斯坦从来不乱花钱。他没有信用债务。他使用现金支付，维持了大约10年。他买得起劳力士表，但他却戴天美时的手表。他成为百万富翁的秘诀是储蓄和投资，而不是愚蠢地花钱。远离信用债务，生活节俭。这不是什么大秘密，但对大多数人来说，这很难做到。

Kim Birck，I studied Civics in HS & Political Science in College.

You don’t get rich by spending money.

Read The Millionaire Next Door. You don’t have to invent an electric car or a space craft to be extremely comfortable. You just have to quit wasting money.

Designer coffee and smoking both waste scads of money. Buying a new car when your old one is still serviceable, buying more house than you can afford and paying a never-ending mortgage, manicures and pedicures, subscxtions to all the streaming services, all these things eat up money that you could be saving and investing. Compound interest and reinvesting interest and dividends. Mutual funds, especially index funds, are good places to have parked your excess coin when you were young. Maximum investment in your job’s 401K or pension plan.

Keeping up with the Joneses is expensive. And unless you ARE the Joneses, you’re just chasing your tail and running in circles.

Get smart, get out of debt, listen to (or read) Dave Ramsey. You can do it, if you try.

But best to have started 10 years ago..

花钱是不会致富的。

读一读《隔壁的百万富翁》。你不必发明一辆电动汽车或一艘太空船，就能让你无比舒适。你只需要停止浪费钱。

名牌咖啡和抽烟都是浪费钱。在你的旧汽车还可以使用的时候买一辆新车，买超出你承受能力的房子，还没完没了的抵押贷款，美甲和足疗，订阅所有的流媒体服务，所有这些事情都消耗了你本可以存起来和投资的钱。复利和再投资利息和股息。共同基金，尤其是指数基金，是你年轻时存放多余资金的好地方。最大限度地投资于你工作的401K或养老金计划。

跟上琼斯的脚步是昂贵的。除非你是琼斯家的人，否则你只是在追着自己的尾巴兜圈子。

聪明点，还清债务，听听(或读读)戴夫·拉姆齐的言论。只要你努力，你就能做到。

但最好是10年前开始。