10步成爲百萬富翁，這不是在做夢！

Getting Rich and becoming a millionaire is a taboo topic. Saying it can be done by the age of 30 seems like a fantasy.
發財致富，成爲百萬富翁是一個讓人不敢想象的禁忌話題。甚至有人認爲在30歲時可以做到這件事只是一種幻想。

It shouldn’t be taboo and it is possible. At the age of 21, I got out of college, broke and in debt, and by the time I was 30, I was a millionaire.
其實這個話題不應是禁忌話題，因爲它是可能實現的。在筆者21歲的時候，我初出茅廬，窮困潦倒，但在我30歲的時候，我卻成爲了百萬富翁。

Here are the 10 steps that will guarantee you will become a millionaire by 30.
想要在30歲時成爲富翁嗎，那就緊跟下面這10個步驟吧。

ow the money. In today’s economic environment you cannot save your way to millionaire status. The first step is to focus on increasing your income in increments and repeating that. My income was $3,000 a month and nine years later it was $20,000 a month. Start following the money and it will force you to control revenue and see opportunities.
1. 瞭解資金的流向。在如今的經濟環境狀況下，光存錢是無法成爲百萬富翁的。首先你應該專注於持續穩定地增加收入。筆者每月的工資是3,000美元，而在9年後則是每月2萬美元。跟隨金錢流動的方向前進，它會驅使你控制自己的收支並能看到更多契機。

2. Don’t show off -- show up! I didn’t buy my first luxury watch or car until my businesses and investments were producing multiple secure flows of income. I was still driving a Toyota Camry when I had become a millionaire. Be known for your work ethic, not the trinkets that you buy.
2. 別顯擺，要現才能！筆者在事業與投資還沒獲得多重安全的資金流時，不敢購買任何一件奢侈的手錶或汽車。即使我成爲了百萬富翁，我仍然以Toyota Camry汽車代步。用你的工作態度讓人對你印象深刻，而不是你的精品行頭。

3. Save to invest, don’t save to save. The only reason to save money is to invest it. Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency. This will force you to continue to follow step one (increase income). To this day, at least twice a year, I am broke because I always invest my surpluses into ventures I cannot access.
3. 別爲了存錢而存，而是爲了投資而存。存錢的唯一理由就是把它用作投資的資本。把你所儲存的資金保存在安全有保障的，外界無法輕易動用的賬戶裏。這些賬戶裏的資金絕不輕易動用，即使是緊急情況也不能。這樣就會驅使你繼續堅持第一步（增加收入來源）。到了如今的情況，至少每年兩次，我都是身無分文的，因爲我總是把我的額外收入投入到那些我無法輕易接觸的投資賬戶當中。

4. Avoid debt that doesn’t pay you. Make it a rule that you never use debt that won’t make you money. I borrowed money for a car only because I knew it could increase my income. Rich people use debt to leverage investments and grow cash flows. Poor people use debt to buy things that make rich people richer.
4. 避免無法爲你賺錢的債務。爲自己設定一個規則：如果借錢的目的不是爲了賺更多的錢，那就不借！筆者之所以借貸購買一輛汽車是因爲我知道它將來會爲我帶來收入。有錢的人借錢，會利用債務達到投資平衡，增加現金流；而貧窮的人們借錢只是購買東西，最終錢都進入有錢人的口袋了。

5. Treat money like a jealous lover. Millions wish for financial freedom, but only those that make it a priority have millions. To get rich and stay rich you will have to make it a priority. Money is like a jealous lover. Ignore it and it will ignore you, or worse, it will leave you for someone who makes it a priority.
5. 對待金錢如同對待嫉妒的情人。許多人夢想成爲有錢人，但只有那些把錢視如珍寶的人才會成爲百萬富翁。無論是發財還是守財你都必須把它視爲首要任務。金錢就像是位醋意大發的情人，如果你忽視它，它就會忽視你，甚至更慘的是，它會離開你，因爲還有別人比你更珍惜它。

6. Money doesn’t sleep. Money doesn’t know about clocks, schedules or holidays, and you shouldn’t either. Money loves people that have a great work ethic. When I was 26 years old, I was in retail and the store I worked at closed at 7 p.m. Most times you could find me there at 11 p.m. making an extra sale. Never try to be the smartest or luckiest person -- just make sure you outwork everyone.
6. 金錢永不眠。金錢根本不曉得什麼是時間，什麼是行程還是假期，你也應該有這個意識。金錢傾向於工作態度積極的人們。在筆者26歲的時候，我是一名銷售人員，就職的商店在晚上7點就停止營業了。但是你會常常發現，我在11點的時候仍然在銷售商品。不要追求成爲最聰明或最幸運的人，而是成爲比其他人幹更多活的人。

7. Poor makes no sense. I have been poor, and it sucks. I have had just enough and that sucks almost as bad. Eliminate any and all ideas that being poor is somehow OK. Bill Gates has said, "If you’re born poor, it’s not your mistake. But if you die poor, it is your mistake."
7. 貧窮沒道理。筆者曾經很窮困潦倒，感覺很不好。我感覺我已經受夠了但情況還是那麼糟糕。排除任何貧窮的理由還是可以接受的。比爾·蓋茨曾經說過“生於窮困不是你的錯，但若你死於窮困，就是你的錯了。

8. Get a millionaire mentor. Most of us were brought up middle class or poor and then hold ourselves to the limits and ideas of that group. I have been studying millionaires to duplicate what they did. Get your own personal millionaire mentor and study them. Most rich people are extremely generous with their knowledge and their resources.
8. 找個富翁當榜樣。我們大部分人都出身於中產階級甚至是貧困階級，然後把自己排除在富裕的圈子外。筆者曾經學習並模仿了一位富豪的生活方式。爲自己找到一位富豪榜樣並向他們學習吧。大多數的富豪在知識和資源層面上都是非常慷慨的。

9. Get your money to do the heavy lifting. Investing is the Holy Grail in becoming a millionaire and you should make more money off your investments than your work. If you don’t have surplus money you won’t make investments. The second company I started required a $50,000 investment. That company has paid me back that $50,000 every month for the last 10 years. My third investment was in real estate, where I started with $350,000, a large part of my net worth at the time. I still own that property today and it continues to provide me with income. Investing is the only reason to do the other steps, and your money must work for you and do your heavy lifting.

9. 讓金錢爲你省力氣。投資就像是獲得成爲百萬富翁的權杖一樣，你應該從這些投資中獲取比你所投入的資金更多的收入。如果你沒有剩餘的資金你就無法做投資。筆者所創辦的第二所公司需要5萬美金的投資，而這家公司在往後的十年裏，每個月都能帶來給我5萬的收入。而我的第三項投資是房地產，初始時期我投入了35萬美金，那是我當時財產中很大的一部分了，但我如今仍然擁有該財產權，並且它仍然不斷地爲我帶來收入。投資已經成爲你完成其他步驟的唯一理由了，你的資金必須要爲你所用併爲你省力氣。

10. Shoot for $10 million, not $1 million. The single biggest financial mistake I’ve made was not thinking big enough. I encourage you to go for more than a million. There is no shortage of money on this planet, only a shortage of people thinking big enough.
10. 把眼光放在千萬，而不是百萬。筆者唯一犯的最大的錯誤就是沒有把目光放得更長遠。所以在此，我鼓勵你追求的不僅只是一百萬，而是更多的收入。因爲這個世界上使人受限的不是金錢，而是人的目光和遠見。

Apply these 10 steps and they will make you rich. Steer clear of people that suggest your financial dreams are born of greed. Avoid get-rich-quick schemes, be ethical, never give up, and once you make it, be willing to help others get there too.
嘗試這10個步驟會讓你更加富有。清楚理解你的財富夢想只是出於天生的貪婪。避免一步登天的捷徑，要踏踏實實，不屈不撓，一旦你成功了，也要伸出自己的雙手幫助更多想要獲得財富的人。