个人理财的错误观念

个人理财的错误观念

有人曾经说过，如果让你列出10个最亲密的朋友和熟人，然后把你和他们的收入从少到多进行排序，那么你可能会发现自己处在中间位置。

Someone once said that if you were to make a list of your 10 closest friends and acquaintances and order your earnings and theirs from smallest to greatest, you'd probably find yourself somewhere near the middle. All that this means is that we are subtly influenced by our friends, even when we're not aware of it, especially in matters of money. Being somewhere in the middle is probably more comfortable for the average person.

有人曾经说过，如果让你列出10个最亲密的朋友和熟人，然后把你和他们的收入从少到多进行排序，那么你可能会发现自己处在中间位置。这说明的是，我们会受到友人们的潜移默化，尤其是在金钱方面，即便我们并不自知。对于一般人而言，排在中间或许感到更自在。

If you are that rare person at the high end of the list, then you probably don't need to read this article. If you are not, then find out what's holding you back. There are hundreds of personal finance myths which are either misunderstood, taken out of context, or just plain incorrect. Here are our top 25.

如果你是高高在上的那一个，或许你就不必读这篇文章了。如果不是，那就从中探寻是什么让你停步不前。在此例举出25大理财错误观念。

1. I don't deserve to be rich.

Why not? Intuition suggests that no matter which religion you follow, there are people who are successful and got there by honest means. What is wrong with that? Believing this myth cripples your willingness to be open to opportunities. Keep in mind that the government, Medicare, and other programs are not going to take care of you as much as you think.

我不配成为富人

为什么不配呢？直觉告诉人们，无论你信奉何种宗教，总有人获得成功而且是通过诚实手段。致富有什么不对的呢？相信这个误区，就会扭曲你迎接机遇的意愿。要记住，政府、医疗保障等等社会福利项目所能提供给你的，不会像你所想的那么多。

2. Rich people are scum.

Or greedy, selfish, uncaring, or whatever. It's just that the scummy rich are more played up in the media because it sells newspapers. Of course, the rich didn't get that way by giving away their money. At least not until they are ultra-rich like Bill Gates, Warren Buffet, and others who have donated to the Bill Melinda Gates Foundation. One principle you could live by is this: you can't

help the poor if you are yourself poor. Idealism is romantic, but reality is more sobering. This is a variation of the belief that money is the root of all evil. What the Bible really says is that the love of money is the root of all evil . These are two wholly different things, but the misinterpretation causes some people, even whole societies, to shun money. Become wealthy, then start your own prosperity project and give away wealth to good causes of your choosing.

富人都是垃圾

或者贪得无厌、自私自利、冷漠无情，诸如此类。事实上，那些垃圾富人在媒体上被渲染得比较多，是因为这样一来报纸好卖。当然，他们并不是靠给钱才做到这一点的。至少在他们成为比尔盖茨、沃伦巴菲特、以及其他比尔－梅琳达盖茨基金会的捐赠者这样的超级富豪之前不是。你可以遵从的一条原则是：穷帮不了穷。理想主义固然浪漫，但现实更为理智。钱是万恶之源之类的说法有种种版本。但圣经里真正说的是爱财是万恶之源。这是两个截然不同的观念，但错误的解读造成某些人、甚至整个社会对金钱避之不及。富裕起来，开展你自己的幸福计划，把财富捐献给你选择的慈善事业。

3. You have to have X dollars to be wealthy.

Wealthy is what you think it is for you. Don't try to keep up with the Joneses. Keep things simple. Money has 10 rules for building wealth. [via LifeHack] Key is starting early, or at least starting now. Compound interest takes care of some of the growth, but if you are not keeping up with inflation, then you are not building wealth.

很多钱才能致富

富裕的标准因人而异。不要跟人攀比。让事情简单一些。可以参考 Money 文章--10 Rules for Building Wealth。关键是要尽早起步，至少从现在开始。利滚利能令财富实现一些增长，但如果你跟不上通货膨胀的形势，就积累不了财富。

4. Those with obvious material wealth must be rich.

Experience suggests we humans get jealous or resentful for so many reasons, and witnessing someone's material wealth is often one of them. But don't be so sure that the neighbor with all the cool ATVs, skidoos, swimming pool, and latest car is actually wealthy , or even happy. He/She could be deep in debt to maintain the facade.

物质光鲜的人是富人

经验表明，人出于许多原因会嫉妒或者忿忿不平，目睹别人的物质财富通常是原因之一。不过别那么肯定地以为，你那调频电视、雪地摩托、游泳池、最新款汽车...... 应有尽有的邻居很富有（拥有流动资产），甚至快乐。他/她为了撑起门面，可能正债台高筑。

5. Money makes you happy. Money makes you unhappy.

Well which is it? Money does not have the power in and of itself to make you happy or unhappy. There are happy poor people and miserable rich people. More money does help with the bills, provided you know how to manage your wealth. But people with more money can also spend more than necessary and actually end up with less. Read this money sermon by Coty Pinckney for a bit of insight.

钱让人快乐、钱让人不快乐

到底是那一个呢？钱本身其实并没有那么大的能耐让你快乐或者不快乐。有快乐的穷人，也有郁郁寡欢的富人。钱越多确实能应付账单，前提是你懂得如何管理财富。但比较有钱的人也会有不必要的开支，到最后实际上财富减少了。参阅Coty Pinckney 的Money Sermon 这篇文章，获取一些真知灼见。

6. There's only so much money in the world.

There isn't enough in the world for everyone to be wealthy. This couldn't be farther from the truth. Honest economists - yes, there are some - have said that there is more than enough money in the world for every single human being to live comfortably. Some people also believe that the Internet is the great leveller that will help redistribute at least some of the world's wealth, for those pioneers who participate.

钱是赚不完的

世界上没有足够的钱让每个人都富裕。这一点几乎是真相。诚实的经济学家（确实有那么一些）说，这世界上钱绰绰有余，可以让每个人都活得自在。有些人还相信，互联网对于那些参与其中的先驱者而言，就是一个均衡财富的工具，至少能够重新分配部分财富。