影響普通人蛻變爲百萬富翁的三大因素

Most high net worth Americans say they worked their way up from a lower class.
美國大多數高淨值人士表示，他們是從下層社會一步步奮鬥起來的。

That's according to a report released by U.S. Trust, based on a survey that asked 684 adults in the U.S. with $3 million or more of "investible assets" hundreds of questions.
這個結論來自於美國信託發佈的一份報告，該報告是基於對美國684名擁有300萬美元或更多的“可投資資產”的成年人所提出的包含數百個問題的一項調查。

About 77% of those surveyed said they grew up in the middle class or lower, including 19% who say they were poor.
大約有77%的受訪者表示，自己出生在中產階級或更低階層的家庭，其中有19%的人甚至表示自己出生於窮人家。

And they credit their success to three somewhat surprising factors: Hard work, ambition and family upbringing. Respondents even went so far as to say that these influences were much more important than "connections" or "innate talent."
不過，他們將成功歸功於3個令人意想不到的因素：辛勤工作、積極進取和家庭教育。受訪者還表示，相對而言，這些因素比“關係”或“天賦”更爲重要。

"The points seem to be so traditional in nature," said Chris Heilmann, the chief fiduciary executive at U.S. Trust, Bank of America's private wealth management firm. "It's about deeply held family values rather than an inheritance or existing wealth,"
美國銀行私人財富管理公司美國信託的高管克里斯·海勒曼表示：“這些觀點看起來是很傳統的。家庭價值要比繼承或現有的財富更具影響力。”

The survey was also a shout-out to strict parents. About 80% of respondents said their parents were firm disciplinarians. They also named "academic achievement," "financial discipline" and "work participation" as the family values that were most emphasized in their homes.
調查還顯示，嚴格的父母也是絕大多數美國百萬富翁成功的功臣。約有80%的受訪者表示，父母對自己要求很嚴格。此外，受訪者聲稱，“學術成就、財務約束和工作參與”也是他們的家庭教育中最爲看重的幾點。

"It indicates the American Dream seems to be alive and well," Heilmann said.
海勒曼說，“這表明美國夢仍然頗具生機，深入人心。”

Considering that some people might doubt that, Heilmann said that the results were "refreshing, encouraging and a bit surprising."
考慮到可能有部分人對此懷疑，海勒曼解釋稱，這個結果“很振奮、鼓舞人心，也有點出乎意料”。