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When I say mind your own business, I mean to build and keep your asset column strong.
当我说关注自己的事业时，我的意思是建立自己牢固的资产。
Once a dollar goes into it, never let it come out.
一旦把1美元投入了资产项，就不要让它出来。
Think of it this way: Once a dollar goes into your asset column, it becomes your employee.
你应该这么想，这1美元进了你的资产项，它就成了你的雇员。
The best thing about money is that it works 24 hours a day and can work for generations.
关于钱，最妙的就是让它可以一天24小时不间断工作，还能为你的子孙后代服务。
Keep your day time job, be a great hardworking employee, but keep building that asset column.
你要照常去工作，做个努力的雇员，但要不断构筑你的资产项。
As your cash flow grows, you can buy some luxuries.
当你的现金流增加时，你可以买点儿奢侈品。
An important distinction is that rich people buy luxuries last, while the poor and middle class tend to buy luxuries first.
富人与穷人一个重要的区别就是：富人最后才买奢侈品，而穷人和中产阶级会先买下奢侈品。
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.
穷人和中产阶级会买诸如大房子、珠宝、皮衣、宝石、游艇等奢侈品，因为他们想让自己看上去很富有。
They look rich, but in reality they just get deeper in debt on credit.
他们看上去的确很富有，但实际上他们已深陷贷款的陷阱之中。
The old-money people, the long-term rich, build their asset column first.
那些能给子孙留下遗产的人和那些能长期富有的人，就是先构筑资产项。
Then the income generated from the asset column buys their luxuries.
然后才用资产所产生的收入购买奢侈品的。
The poor and middle class buy luxuries with their own sweat, blood, and children's inheritance.
而穷人和中产阶级则用他们的血汗钱和本应该留给子孙的遗产来购买奢侈品。
A true luxury is a reward for investing in and developing a real asset.
真正的奢侈品是对投资和积累真正资产的奖励。
For example, when my wife and I had extra money coming from our apartment houses, she went out and bought her Mercedes.
例如，当我和我妻子通过房地产生意获得了额外的收入时，她去买了辆奔驰汽车。
It didn't take any extra work or risk on her part because the apartment house bought the car.
这不是因为她增加工作量或是冒着风险才买下的，是她在房地产生意上的收益为她支付了这辆车。
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,直到房地产投资升值，并最终有足够的现金流足以购买这辆车之前，。
But the luxury, the Mercedes, was a true reward because she had proved she knew how to grow her asset column.
但是这奢侈品的确是个奖励，因为它证明了她知道如何增加自己的资产。
That car now means a lot more to her than simply another pretty car.
那辆车对她的意义已不仅是一辆漂亮的车。
It means she used her financial intelligence to afford it.
而意味着她能用自己的财务知识得到它。
What most people do is impulsively go out and buy a new car, or some other luxury, on credit.
大多数人则会冲动地用贷款去买新车或其他奢侈品。
They may feel bored and just want a new toy.
他们可能对生活有些厌烦了，所以期待有点新玩意儿。
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.
用贷款买奢侈品，结果迟早会让人们放弃那些东西，因为借下的债是个沉重的负担。
After you've taken the time and invested in and built your own business, you are now ready to add the magic touch.
在你花时间投资并创建自己的事业之后，就准备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，这个秘密让富人遥遥领先。
