大神教你“如何不靠运气获得财务自由”-超30%推特用户看过
how to get rich without being lucky ?
致富经遍地都是，这一篇有什么不同？看完你可能会有自己的理解。
前不久，AngelList的创始人，同时也是Uber和twitter的天使投资人，Naval，在推特上发布了一些列的推文，主题就是how to get richy without being lucky，如何不靠运气变得富有，他总结了40个要点。推出以后，掀起了一场推文风暴，被翻译成了几十种语言，目前可能有40%的推特活跃用户看过。
推文发出之后，Naval又录了一套播客，做了一个网站，对每一个要点都进行了扩展和深化。也可以看到他对自己致富方法论的实践。
之前的40条要点推文，已经有人翻译成了中文。这里跟大家分享他的扩展板。
然后他的深化全文版我也已经翻译完毕，中英文合计10万字，我做了一个简单的PDF，感兴趣的朋友可以到我的公众号“雪与炭”领取，限时免费，全网独家首发。相信会对大家英年早退有所帮助。
版权所有，未经许可，严禁转载。
naval
How to Get Rich Without Being Lucky
Naval Ravikant
如何不靠运气达成财务自由
In the old days, salary earners were the real deal. But the advent of science andtechnology has brought in even better tools for making money even in sleep.While wealth begins with the mindset, you have to be ready to put in extra work and discipline to achieve the best.
以前，上班拿工资是正经事。如今，科技的发展，带来了更好的致富工具，让你躺着也能赚钱。创富始于你的心智模式，要成就最好，你需要付出额外的努力和自律。
In this article, I will highlight 29 insights of being ‘Wealthy' that you must imbibe in order to create wealth for yourself.
在这篇文章中，我将分享29+9条关于“富有”的洞见，你可以吸收它们，为己所用，去创造属于自己的财富。
1. Seek wealth, not money or status. Wealth is having assets that earn while you sleep. Money is how we transfer time and wealth. Status is your place in the social hierarchy.
追求财富，而不是金钱或身份。财富是在睡觉时也能帮你赚钱的资产，金钱是我们转移时间或者财富的工具，身份是你在社会阶层中的位置。
Thedifference between a rich man and a poor man is their states of mind. Hence,the rich may be poor and the poor may be rich. For instance, a family of threewho share a piece of cake might be richer than another whose shelter is acomfortable duplex and still hassle to have an excellent feast.
Themoment you can tell the difference between wealth and money, you have comeacross a life-changing opportunity and you must use it accordingly. Forinstance, having money in the bank wouldn’t lead to a vision or the love ofothers that help you earn a better tomorrow. As youngsters, we didn’t have alot of money but we were driven by enthusiasm, personal vision, and potentialto stay committed to the grind. These coins of wealth confer the ability toearn a proper living.
穷人和富人的区别在于他们的心智模式。富人有可能贫瘠，穷人也可能富足。分享一块蛋糕的三口之家，可能比住着两层洋房还吵着要吃大餐的家庭更加富有。
在你能够区分财富和金钱的那一刻，你就邂逅了一次改变命运的机会，抓住它好好运用。举例来说，银行存款并不意味着前途光明，也不意味着会有人爱你，能帮你创造一个美好的未来。
年轻的时候，我们都没什么钱，但是激情、憧憬、潜力、埋头骨干的精神驱动着我们。这些才是创造财富的硬币，是有所成就的能力。
2. Understand that ethical wealth creation is possible. If you secretly despisewealth, it will elude you.
相信站着挣钱是可能的，如果你内心鄙视财富，它也会躲着你
This statement can’t be far from the myth that ‘money is the root of all evil.’ Theinternalization of this diluted Bible phrase shows how much some peopleactually despise wealth and the mindset itself is self-limiting. Some time ago,I had a conversation with a retiree who highlighted the reasons why it willnever be too late to modify your perceptions about wealth. Did I mention thathe was only a seller of artwork? He never had a lot of patrons.
Formost parts of his life, he would call the wealthy several names but he laterfound out that his dispositions only watered down his chances of ever gettingrich because he will never associate with these people. But once he found outthat despising someone’s expensive lifestyle was the true root of his evil, hestarted earning better from his artwork as the rich would always buy from him.
圣经里有句谚语“金钱是万恶之源”，虽然这句话的影响力已日渐薄弱，但是这种错误观念依然内化于一些人的头脑。可以看出，他们对财富的极度鄙视，以及思维的自我限制。
我曾经和一位退休人士有过交流。他的例子就说明，修正你对财富的观念，永远不会太晚。这个人销售艺术品，但一直都没多少主顾。
在人生的大部分时间里，他总是诋毁谩骂有钱人。后来他发现，这种性格使他永远不可能结识这些人，也就很难赚到钱。意识到对富人奢华生活的鄙视，才是自己内心的魔鬼，他调整了观念。慢慢地，有钱人开始从他这里购买艺术品，他越做越好。
3. Ignorepeople playing status games. They gain status by attacking people playingwealth creation games.
无视那些玩身份游戏的人，他们靠攻击创造财富的人获得地位
It disgusts me whenever I look around and see people play status games – it’s inpolitics, fashion, sports, social media, and income of course. Have you evertried to gain status and influence by decreasing your social status in relationto others’? You’re also playing the status game.
So,you really want to show your superiority by acquiring more accessories thanParker and you know for sure that you cannot keep up? If you keep organizing training and workshops without getting money in return, you aren’t a lotdifferent from people in the career sector who play status games. The reason isthat you aren’t financially better than a hipster that can’t keep off ofdesigner bags and shoes.
Trust me; you don’t want to be this person.
每当看到周围有人玩身份的游戏，我都感觉恶心。政界、时尚界、体育界、社交媒体，当然还有收入攀比。你是不是也试过降低自己的社交身份，去赢得一些影响力？你也是在玩同样的游戏。
为了使自己显得优越，即使撑不了多久，你也要买比网红还多的衣服配饰么？
如果你一直在组织培训、搭建工作室，但却没有进账，那你和那些在事业上玩身份游戏的人，并没多大区别。你的经济状况比那些摆脱不了潮鞋名包的网红好不了多少。
相信我，你不想成为那样的人。
4. You’re not going to get rich renting out your time. You must own equity – a pieceof a business – to gain your financial freedom.
靠出租自己的时间，你不可能致富，你必须拥有资产——商业的要素之一——去实现财务自由。
Smart people with wealth mentality don’t just sit around and wait for the magic tohappen. They invest in equity. Who says you can’t attain financial freedom at ayoung age if you have meticulous plans to create an abundance of wealth?Studies show that equity has the potential to multiply your investments withina short time, probably better than other methods. So, what’s stopping you? Ifyou are disciplined enough to earmark good sums of money for an equityinvestment opportunity, you just might be able to take charge of yourretirement in grand style.
财智过人的人不会干坐着，等待奇迹降临。他们会做投资。如果你有严谨的计划，能够创造巨额的财富，谁说你不能年纪轻轻就财务自由呢？
研究表明，要在较短的时间内让自己的投资翻倍，股票比其他方法更具潜力。所以，如果你足够自律，又有资金去投资股市，又有谁拦着你呢？这样，你就很可能以一种华丽的方式，享受自己的退休生活了。
5. You will get rich by giving society what it wants but does not yet know how toget. At scale.
如果你能规模化地提供人们想要、但还不知道怎么获得的东西，你就会富有。
You must know by now that the creation of wealth is in the actual creation ofvalue. Look around you, the world is plagued with several problems. The worldis begging you for answers and solutions to their worries; why not give themsomething worth their while. So, you think ‘A’ does something already and youjust want to let the business opportunity slip through your fingers? No! Allyou have to do is upgrade to an ‘A+’ and you will be shocked at how people areattracted to your business like a moth to a flame. Simple!
Givethe society what it wants today, dear friend.
现在你应该知道，财富来自于创造实际的价值。看看你周围，人们被各种问题困扰，他们在跪求答案，解决他们的焦虑。为什么不提供一些物有所值的东西呢？
你可能觉得某件事已经有人做了，就放任发财的机会从指间溜走。这是不对的。
你要做的是把它升级，从A做到A+，然后就等着震惊吧。人们会像飞蛾扑火一样来买你的东西。就这么简单！
给人们想要的，从今天开始，伙计。
6. Pick an industry where you can play long term games with long term people.
选择长情的人，做一份长远的事
Quit frolicking around different areas and start playing to your strength. The woesof some poor people lie in their inability to properly identify theirstrengths. It is no different from investing inequity. You see, long terminvestors aren’t afraid to be burnt by bad investments but they would ratheravoid them. As soon as you can understand the best industry that suits yourpurpose, all you have left is to unlock the potentials that await you.
不要东一下西一下，从现在开始，去做能发挥你优势的事。
穷人的悲哀往往就在于他们认识不到自己的长处。这和投资股票一个道理。长线投资者并不怕遭遇坏的投资，但他们还是宁愿避免。
一旦你发现了最匹配你人生目标的事业，剩下的只是解锁被尘封的潜能。
7. The Internet has massively broadened the possible space of careers. Most peoplehaven't figured this out yet.
网络已经极大地拓宽了事业的可能性，多数人还没意识到
The truth? We live in a competitive space and all business ideas are probablyexhausted except yours. How do I know? Check the World Wide Web. A study showsthat the internet, alone, employs more than 1.2 million people for commerce andadverts. Most people don’t know this, but you do. Let us suppose the internetmakes up $300 billion of US GDP. That puts you at an edge of about 0.1 percentand that is a lot of money if you ask me. Now, there are even betteropportunities than that which mean better chances of earning.
真相是什么？真相是我们生活在一个激烈竞争的社会，所有的商业创意可能都耗尽了，除了你的。我怎么知道?上网看一下。
一项研究表明，仅仅从事网络推广和广告的就超过120万人。大多数人还不知道这一点，现在你知道了。假设互联网产业制造了3000亿美元的GDP，如果你有机会撬动其中的0.1%，那是多少钱？
现在，甚至有比这更好的机遇，意味着你有很大的机会。
8. Play iterated games. All the returns in life, whether in wealth, relationships,or knowledge, come from compound interest.
重复迭代，人生所有的成就都来自复利，无论是财富、人际关系还是知识。
Simply put, compound interest is accumulated principal – you invest X amount and getX+Y amount in the long run. The same principle applies in all facets of life –relationships, lifestyle, and more. The snowball effect of the compoundinterest is a concept that you must adapt to. You have to make it a personalphilosophy to perform small acts and tasks every day that would inch you closerto your goals and last a lifetime.
复利就是本金的累积，简单来说，你投入X，长期累积就收获X+Y。同样的原理，适用于人生的多个方面——人际关系、生活方式等等。
你一定要利用复利的雪球效应，使它成为你人生哲学一部分，每天行动一点点，完成一些小任务，日进一寸，终生不辍，成功必有期。
9. Pick business partners with high intelligence, energy, and, above all,integrity.
选择智商高、精力充沛、最重要的是正直的商业伙伴。
No one can truly overemphasize the importance of quality friendships andrelationships. In the search for another level of wealth creation, you must bemotivated by the people in your circle. Proximity, they say, is power. Wherethe proper motivation is lacking, you may as well begin the search for anotherrelationship with other people. And the desirable traits to seek are integrity,sheer intelligence, and ruthlessness.
高质量的友谊和关系的重要性，不用过多强调。人们常说，亲近就是力量。如果你想使财富达到一个更高的层级，你的圈子应该能够给你激励。
如果缺乏这种激励，你不妨去寻找他人，建立一种新的关系。理想的人选应该正直、充满智慧，又清醒冷静。
10. Don't partner with cynics and pessimists. Their beliefs are self-fulfilling.
不要与愤世嫉俗者和悲观主义者为伍，他们的信念将自我实现。
This category of people is mostly a joke. They aren’t open to new ideas andperspectives that would enrich your pockets. Your relationship is yourcurrency. Rather, you want to be at the same table with people that believestrongly in changing the economy. That, in itself, is the leader board inthe creation of wealth.
这些人基本就是个笑话。他们不接受新想法和新观念，而这些东西却正是你致富的机会。
你的人际关系就是你的货币。所以，你要和那些坚信能够改变经济局面的人坐在一起，这样，你们就是创造财富的领导小组了。
11. Learn to sell. Learn to build. If you can do both, you will be unstoppable.
学习销售，学习建设。如果二者皆能，你将势不可挡。
No,you won’t get rich by working! The harder you work smart, the better yourchances of building wealth. Mark Zuckerberg and Jeff Bezos are two billionairesthat have leveraged the power of selling and building. They have increasedtheir hourly wage by putting their money to work so that their bank account swellsin their sleep. But first, they started selling and they could build with thereturns they got. You have about 100,000 working hours but equity will work fora year without breaking a sweat。
不会的，你不可能通过上班致富！你需要聪明地工作，你工作得越聪明，致富的机会就越大。
马克·扎克伯格和杰夫·贝佐斯都是亿万富翁，他们就是利用杠杆，放大了销售和建造的力量。他们让钱工作，这样即使在睡梦中，他们的银行账户也在膨胀，他们每小时赚的钱都在增长。
但一开始，他们也是做销售，然后把销售收入投入到建设之中。你一生大概可以工作10万个小时，但资本可以经年运转，毫不费力。
12. Arm yourself with specific knowledge, accountability, and leverage.
用特知（特种知识）、责任感和杠杆武装自己。
A simple guide in life is to be a principle human. If you knew what knowledge cando for you, you will start rummaging the bookshelf, not for get-rich-quick fixes, but for ample knowledge that sells. And to sustain yourself, you must beable to caution yourself when you are going off the rails of your goals whileleveraging the opportunities that you come across.
一条简单的人生指南，就是做一个有原则的人。
如果你知道知识能为你做些什么，你肯定会马上在书架上翻找，不是找快速致富经，而是那些丰富的销售知识。当你遇到人生的机会，开始大展宏图，要想走得更远，你必须有能力在偏离目标时提醒自己。
13. Specific knowledge is the knowledge that you cannot be trained for. If societycan train you, it can train someone else, and replace you.
特知无法通过培训获得。如果社会能培训你，就能培训别人来取代你。
If the world could teach wisdom, we will all be walking billionaires. The recipeto get ahead in life is to become what people never envisaged. For every timethat you are dispensing quality and unmatched information, your value increasesand it takes a lifetime to find a suitable match.
如果这个世界能够传承智慧，我们每个人都将成为亿万富翁。
人生拔得头筹的秘诀，就在于成为人们想所未想的人。
每次当你发布高质量的无与伦比的信息时，您的价值都会增加，而要想找到你的替代品，则需要花费一生的时间。
14. Specific knowledge is found by pursuing your genuine curiosity and passionrather than whatever is hot right now.
特知的获取，是通过追逐你真正的好奇心和激情，而不是赶时髦追风口。
Knowledge is a gift, passion is the ribbon. The mindset of wealth is common with peoplewho do specific things because of their genuine inclination towards the field.Even when society thinks the biggest gold mine is in the Arctic, the wealthyone doesn’t deviate from his trip to the South.
知识就像一份礼物，激情则是礼盒上的丝带。
有些人在某种领域从事特种工作，因为他们天生就有这种倾向。富人的头脑模式和他们是很像的。就算所有人都认为最大的金矿在北极，富人也不会调转他们开往南方的船头。
15. Building specific knowledge will feel like play to you but will look like workto others.
构建特知对你就像是玩游戏，但在别人看来，你却是在工作。
When the world says ‘A’ and you stick with ‘B’, you may look crazy at first untilyour paycheck starts to speak for you. Unfortunately for others, your passionis unique to you and no one would ever understand the formula except someonewho is or has been in your shoes.
全世界都说A，而你坚持说B，一开始，看上去是你疯了，直到你的支票替你说话。
不幸的是，对外人来说，你的激情是独一无二的。没有人会理解你的方程式，除非有人处在或曾经处在你的位置。
16. When specific knowledge is taught, it’s through apprenticeships, not schools.
特知只能通过学徒制传授，无法在学校习得。
Within the four walls of the school, you are taught the theory of life. But realknowledge begins when you have worthy mentors and trainers. Having someone youlook up to in the line of business converts better than you just move with theflow.
在学校，你学习的只是人生的理论。只有当你遇到杰出的导师和训练师，你才开始学到真正的知识。
在商业的起伏轮转中，有一位可以仰望的导师，要比随波逐流好得多。
17. Specific knowledge is often highly technical or creative. It cannot beoutsourced or automated.
特知是高度技术性的，或者创造性的；它不能被外包或自动化。
Creativityis the reason why an employer values one employee better than the other. Thatis why you notice that they hardly let go of such people within thehierarchical structure. If you are armed with specific knowledge, you can hireand fire at will. Be this person.
在商业的等级体系里，你会看到，雇主往往更青睐具有创造性的员工，他们很少会放走这样的人。
如果你掌握有特知，干或者不干，就由你说了算。
成为这样的人。
18. Embrace accountability, and take business risks under your own name. Societywill reward you with responsibility, equity, and leverage.
拥抱责任，用自己的名字承担商业风险，社会将用职务、资本和影响力回报你。
A poor mindset is always quick to point accusing fingers at other people when theship doesn’t dock. Business risks come with tons of ‘ifs’, ‘buts’, and ‘hows’. Inthe very moments that you accept responsibilities for your mess, the universethrows more opportunities at you for being so grateful. Sound basic? Then, tryit.
如果船没有靠岸，有穷人思维的人，总是会立马指责别人。
商业活动伴随着大量的“如果”、“但是”和“如何”等风险。每当事情搞砸的时候，如果你勇于承担责任，还心存感恩，宇宙就会回报你更多的机会。
听上去很平常？试试就知道了。
19. The most accountable people have singular, public, and risky brands: Oprah,Trump, Kanye, Elon.
最负责任的人拥有独特、公开和冒险的品牌:奥普拉(Oprah)、特朗普(Trump)、坎耶(Kanye)、埃隆(Elon)。
These names ring one bell: brand accountability. You see, there is responsibility in brand ownership. People want you to live up to their expectations and you mustmake every second of your time worth tons of their money.
这些名字提示人们一件事:品牌责任。
拥有品牌必须承担责任。人们希望你不要辜负他们的期望，你人生中的每一秒，都要让他们觉得选择你是值得的。
20. Fortunes require leverage. Business leverage comes from capital, people, andproducts with no marginal cost of replication (code and media).
财富需要杠杆。商业杠杆来自资本、劳动力以及无需边际成本就可大量复制的产品（代码和媒体)。
Leverage can come in many forms – people, production of services, or software. But yourcore focus in achieving this feat must be skills, knowledge, and network. Youmust learn how to build savings and credit history in a simultaneous manner sothat you reap from your labour in the long run.
杠杆有多种形式——人、服务产品或软件。要成就杠杆，你关注的核心应该是技能、知识和网络。你要学会在积蓄的同时，建立良好的信用记录。长期下来，你的劳动就会带来收益。
21. Capital means money. To raise money, apply your specific knowledge, withaccountability, and show resulting good judgment.
资本意味着金钱。要筹集资金，发挥你的特知，表现出责任感和良好的判断力。
I remember the time I earned my first salary. I was so happy to share withfriends and I blew up my account in less than three days. I was so devastatedthat I had to borrow from the same friends with whom I made merry. Afterward, Iknew I had to find a way to double my earnings. All I had to do was fix acertain amount into a money-making venture and watch it grow. I had specificknowledge and I told a trusted to hold accountable to my investment plans. Atthe end of the month, I always had thrice the amount an average worker in mycompany walked home with. Sweet!
记得我第一次拿薪水的时候，非常开心，和朋友们分享庆祝，结果不到三天，就把钱给花光了。我不得不跟这些朋友借钱，非常郁闷。
后来，我意识到必须想办法把收入翻倍。我就固定把一部分钱放到一个风险投资项目，然后看着它往上涨。
因为我有自己的特知，很懂行，我找了一个信得过的人，让他负责我的投资计划。后来每到月底，我的收入都是一起上下班的普通同事工资的三倍。
爽。
22. Labor means people working for you. It's the oldest and most fought-over formof leverage. Labor leverage will impress your parents, but don’t waste yourlife chasing it.
劳动力就是为你干活的人，这是最古老、也是争夺最厉害的一种杠杆。劳动力杠杆会给你的父母留下深刻印象，但不要浪费生命去追逐它。
I am quick to tell people in search of quick fixes that there are multiplesolutions. You only have to find the one that works for you. On differentoccasions, I have read stories of people that leveraged on labour to multiplytheir sources of income. But the rate at which everyone is seekingentrepreneurship and ‘self-ownership’, labour leverage may soon become extinct.We see it every day, people leave their jobs to settle in another business andit won’t stop soon.
对于那些想快速致富的人，我都直接跟他们说，方法有很多，你只需要找到一个适合自己的。
在不同的场合，我读过一些人利用劳动力杠杆来增加收入的故事。但以现在人们寻求创业或者自我雇佣的速度，劳动力杠杆可能很快就会消失。
每天我们都可以看到，人们辞掉工作，努力去开创一份事业，这个趋势不会很快停止。
23. Capital and labor are permissioned leverage. Everyone is chasing capital, butsomeone has to give it to you. Everyone is trying to lead, but someone has tofollow you.
使用资本和劳动力杠杆，你需要经人允许。每个人都在追逐资本，但总得有人给你。每个人都想成为领导者，但总得有人追随你。
The sentence is self-explanatory. It forms the basis of ‘giving’ and receiving’.Imagine a world where we are all producers. In the absence of consumers, thepurpose of production of defeated. Therefore, you have to choose either side aslong as it multiplies your wealth.
这句话不言自明，它构成了“给予”和“接受”的基础。
想象一个我们都是生产者的世界，没有消费者，生产的意义何在？因此，二边你必须选择居其一，只要你能在其中发财。
24. Code and media are permissionless leverage. They're the leverage behind thenewly rich. You can create software and media that works for you while yousleep.
代码和媒体是无需许可的杠杆。他们是新富阶层背后的杠杆。您可以编写软件和打造媒体，在你睡觉的时候，让它们为你赚钱。
Restating the Mark Zuckerberg and Jeff Bezos example, they have successfully leveraged onthe internet by giving us what we need. Now, all they ever do is sit behind adesk, their backs relaxed and sipping a cup of coffee while they watch theirstock increase.
说回马克•扎克伯格和杰夫•贝佐斯，他们就是成功地利用了网络杠杆，提供我们需要的东西。现在，他们的生活就是坐在桌子后面，轻松地喝着咖啡，看着股票上涨。
25. An army of robots is freely available – it's just packed in data centers forheat and space efficiency. Use it.
有一支机器人大军是免费的，只是因为需要散热和提高空间效率，被压缩在数据中心，你看不到。把它用起来。
This is a well-deserved break from the human element. From data analysis toaccounting precision, you can have Artificial Intelligence handle the complexprocesses of your business while removing the human factor of error andmisappropriation. Both Watson AI and IBM are have dipped their noses in thiswealth management technique and it works for them. Why not you and me?
从人类的元素中挣脱出来，恰当其时。
从数据分析到精准会计，人工智能可以处理复杂的业务进程，还不会产生人为的错误和偏差。
沃森人工智能和IBM都在运用这种技术管理财富，而且有效可行。我们为什么不用？
26. If you can't code, write books and blogs, record videos and podcasts.
如果你不会写代码，就写书和博客，录制视频和播客。
Write.Speak. Influence. Teach. These four skills are in high demand on social media.No one wants to sit in classrooms listening to boring statements of how 2+2equals 4. No, they want to relax in the comfort of their beds and gain accessto goldmines of knowledge that will empower them. Coding isn’t for everyone,but there is limitless space for these four skills in the world
写作，演讲，制造影响力，教学，这四种技能在社交媒体上需求旺盛。没有人还愿意坐在教室里，听那些无聊的课程，讲2+2 怎么等于 4。
人们想舒适地躺在床上，就可以很容易地汲取知识，让自己变得更有竞争力。
不是每个人都可以编程，但是上述四种技能全球通用，空间无限。
27. Leverage is a force multiplier for your judgement.
杠杆将成倍放大你的判断力
You get more done with fewer resources when you leverage. If you think you cancreate wealth without leverage, you are just another comedian. To reach therequired level of judgement and success, you have to compromise time, speed,and work. Like another worthy investment, it ensures that you reap endlessbenefits in years to come.
利用杠杆，你可以用更少的资源做更多的事。如果你认为自己不用杠杆㛑可以发财，那你是一个喜剧演员。
要达到决策和成功所需的影响力层次，你必须有所妥协，付出大量时间，做得更快更多。这是有价值的投资，它将保证你在未来的人生中收益无穷。
28. Judgement requires experience but can be built faster by learning foundationalskills.
判断力需要经验，但可以通过学习基础技能更快地建立。
Far from being a negative behavior, judgement is the attitude of the wealthy. Inthree easy steps, you can build a strong foundation of knowledge by recognizingyour default biases, accepting your mistakes, and learning from experience.These three skills are as simple to learn as they will make you money.
评判、判断绝不是消极的行为，而是富人的态度。
通过三个简单的步骤，你可以为判断力打下坚实的知识基础：认知成见、接受错误、从经验中学习。
这三种技能很容易学，也很容易帮你赚钱。
29. There is no skill called “business.” Avoid business magazines and businessclasses.
没有一种技能叫做“经商”。不要看商业杂志和商业课程。
We are always sold a lie about success – discover your strength, work hard, andyou are a superstar. In extreme cases, those people offer business ideas withpromises that you make X amount after a certain period. Lies! Contrary topopular belief, business is not a transferrable skill. You are either abusinessman or a consumer; don’t allow the lies to get to you.
总有人向我们兜售一种关于成功的谎言——发现你的优势，努力工作，你就会成为超级明星。
在极端的情况下，这些人会提供一些商业创意，承诺你在一段时间后可以赚到一大笔钱。骗局!
和韭菜们想的完全相反，商业是无法言传的。你要么是商人，要么是消费者。
不要让谎言影响到你。
The Last 9 Advices that You Must Focus
最后9条你应该关注的建议：
30. Study microeconomics, game theory, psychology, persuasion, ethics, mathematics,and computers.
学习微观经济学、博弈论、心理学、说服学、伦理学、数学和计算机。
31. Reading is faster than listening. Doing is faster than watching.
读比听快，做比看快。
32. You should be too busy to “do coffee,” while still keeping an unclutteredcalendar.
忙而不乱。你应该忙得没时间喝咖啡，同时保持日程有条不紊。
33. Set and enforce an aspirational personal hourly rate. If fixing a problem willsave less than your hourly rate, ignore it. If outsourcing a task will costless than your hourly rate, outsource it.
设定并执行一个有雄心的个人时薪。如果解决一个问题省下来的钱比你的时薪少，忽略它。如果外包一项任务的成本比你的时薪低，外包掉。
34. Work as hard as you can. Even though who you work with and what you work on aremore important than how hard you work.
和你工作的人、还有你做的事，都比你的努力程度更重要，即便如此，你还是要竭尽所能，把工作做到最好。
35. Become the best in the world at what you do. Keep redefining what you do until this is true.
在你的职业领域内成为全世界最好的，不断重新定义自己做的事，直到你真的是最好的。
36. There are no get rich quick schemes. That's just someone else getting rich offyou.
没有什么快速致富经，那只不过是别人从你身上发财罢了。
37. Apply specific knowledge, with leverage, and eventually, you will get what youdeserve.
运用特知，加上杠杆，你终将获得自己应得的。
38. When you're finally wealthy, you'll realize that it wasn't what you wereseeking in the first place. But that's for another day.
当你终于富有，你可能会意识到这不是你最初想要的。但那是另外一回事了。
Conclusion: productize yourself
总结：把自己产品化。
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