INTRODUCTION

THE ROAD TO WEALTH HAS A SHORTCUT

财富之路有捷径

There’s a hidden road to wealth and financial freedom, a shortcut of blinding speed where you can achieve wealth in youthful exuberance over elder entropy. Yes, you don’t have to settle for mediocrity. You can live rich, retire four decades early, and live a life that most can’t. Sadly, the shortcut is cleverly camouflaged from your view. Instead of the shortcut, you’re led down a paralyzing road to mediocrity—a dulled cornucopia of financial stratagem tailored to the slumbering masses, a legion of mandates that sacrifices your wildest dreams in favor of numbed expectations.

有一条隐藏的路通住财富和财务自由，能以无法想象的速度通过这条捷径，你可以在精力充沛的青年时期去获得财务，而不是风烛残年。没错，你不需要勉强接受自己的平庸，你可以过富裕的生活，提前四十年退休，过大部分人达不到的生活。可惜的是，通常这条捷径在你的视线里巧妙地被伪装了，相反，你被指导进入了一条拥堵不堪的、通往平庸的道路——这条缓慢的路充斥着为沉睡的人们量身定做的财务策略，命令这群人牺牲他们热忱的梦想，换来麻木的期望。

That road?

哪条路？

It’s financial mediocrity, known as “Get Rich Slow,” “The Slowlane,” or “Wealth in a Wheel chair.” That tedium sounds like this:

它指财务平庸（financial mediocrity),被我们称为“缓慢致富”，“慢车道”，或者“轮椅上的财富”，他的言论单调如下：

Go to school, get good grades, graduate, get a good job, save 10%, invest in the stock

market, max your 401(k), slash your credit cards, and clip coupons . . . then, someday,

when you are, oh, 65 years old, you will be rich.

去上课，取得好成绩，毕业，获得一个好工作，省下10%的收入，投资于股票市场，最大化你的退休福利（401k)，削减信用卡支出，使用优惠券……接着，有一天，当你，嗯……65岁的时候，你就会有钱了。

This dictation is a decree to trade life, for life. It’s the long way, and no, it isn’t scenic. If wealth were an ocean voyage, “Get Rich Slow” would be sailing around the horn of South America,while the Fastlaner uses the shortcut—the Panama Canal.

对于现代人的人生，这是一条标准路线，它漫长却不美丽。如果说财富之路是一次航海旅行，“缓慢至富”就是沿着南美洲边缘航行，而在快车道上的人却直走捷径——巴拿马运河。

The Millionaire Fastlane isn’t a static strategy that preaches “go buy real estate,” “think positively,” or “start a business,” but a complete psychological and mathematical formula that cracks the code to wealth and unlocks the gateway to the shortcut. The Fastlane is a progression of distinctions that gives probability to the unspeakable: Live richly today while young, and decades before standard norms of retirement. Yes, you can win a lifetime of freedom and prosperity, and it doesn’t matter if you’re 18 or 40. What “Get Rich Slow” does in 50 years, the Fastlane shortcut does in five.

这本书不教导方法性的策略，比如鼓吹“买房产，”“积极思考”或者“开始创业”，它是完整的心理学和数学公式，破解财富的密码，打开通往这条捷径的大门。快车道的快人一步的特性带给你的是让人难以置信的可能性：年经的时候已经富有，提前数十年退休。是的，你可以赢得自由和成功的一生，无论你是18岁还是40岁，“缓慢至富”需要40年，而“快车道捷径”只需要五年。

WHY CAN’T YOU DRIVE THE SHORTCUT?

为什么你不在捷径上开车？

If you’re like the typical wealth seeker, your approach to wealth is predictably foretold by a timeless question: What do I have to do to get rich? The quest for the answer—wealth’s Holy Grail—throws you into a mode of pursuit where you chase down a variety of strategies,theories, careers, and schemes that supposedly will bring great wealth into your lap. Invest in real estate! Trade currencies! Play pro ball! “What do I have to do?” screams the wealth seeker!

No, please stop.

如果你是典型的追求财富的人，我可以预言，在你追求财富的道路上离不开一个问题：我需要做什么来变得有钱？为了探索这个答案——我们称之为财富的圣杯——你进入了求知模式，寻找各种策略、理论、职业规划和计划，认为他们会给你带来巨大的财富。投资房产！货币交易！打棒球！“我该做什么？”那些财富追求者尖叫。

不，赶紧停下来。

The answer is more about what you’ve been doing than what you haven’t. There’s an old proverb that has mutated a few times but the gist is this: If you want to keep getting what you’re getting, keep doing what you’re doing.

The translation?

STOP!

这个答案比起你现在还没做的，与你已经做过的更加相关。有一句古老的谚语，虽然几经转变，但是大意如此:如果你想要一直得到你所拥有的，那么继续做你正在做的事。

怎么理解？

停下来！

If you aren’t wealthy, STOP doing what you’re doing. STOP following the conventional wisdom. STOP following the crowd and using the wrong formula. STOP following the roadmap that forsakes dreams and leads to mediocrity. STOP traveling roads with punitive speed limits and endless detours. I call it “anti-advice,” and much of this book follows this prescription.

如果你不富裕，停止做你现在正在做的事。停止跟着大流走。不要因为从众而走错误的路线。不要听从那些让你放弃梦想、走向平庸的指点。不要驾驶在有惩罚性限速和永无止境的弯道的路上。我称这些为“反建议”，这本书的大部分内容将以此作为指导原则。

This book lists nearly 300 wealth distinctions designed to crack the code to wealth and get you off your current road and onto a new road where you can expose wealth’s shortcut. The distinctions are directional markers to “STOP” your old ways of action, thinking, and believing, and reorient you into a new direction. In essence, you have to unlearn what you have learned.

这本书列举了近300个财富特征，旨在破解通往财富之路的密码，让你离开当前的路，开始一条通往财富捷径的新道路.这些特征是方向性的标杆，让你停止你过往的行动，思考以及信念，重新调整到一个新的方向。最重要的是，你必须忘记你过往所学的。

Your today is yesterday’s consequences. Your yesterday laid the foundation for today. Your beliefs and the actions triggered from those beliefs have delivered you to your today, your now, and your life. If you’re not happy in your life now, it’s time to STOP and reflect on the road you’re traveling and how you got there—and then change roads.

你的今日是昨日的结果。你的昨日为你的今天打下了基础。你的信念及信念触发的行动指引你走向了今天、此刻、你的人生。你如果此刻觉得人生不幸福，是时候停下来，好好思考你过往的路线，以及你如何走到那里的——接着改变你的人生之路。

YOUR REALITY DOESN’T CHANGE MINE

你的生活不会影响到我

This section is for the haters. I present the Fastlane with brash cynicism. This book contains a lot of “tough love,” and while it is opinionated you ultimately have to seek your own truth. The Fastlane might insult, offend, or challenge you because it will violate everything you’ve been taught. It will contradict the teachings of your parents, your teachers, and financial planners. And since I violate all that society represents, you can bet mediocre minds will take issue.

这个部分是给那些讨厌我的人。我介绍快车道时会冷嘲热讽。这本书中包含了大量的“严厉的爱”，都是我的体会，你最终还是要自己找出真相。快车道可能会辱骂、冒犯以及挑战你,因为它将违背你所有的认识。他将反驳你的父母、你的老师、你的财务规划师对你的教导。我既然反驳了社会通识，就可以想像平庸的人将会提出异议了。

Thankfully, your belief (or disbelief) of Fastlane strategy doesn’t change my reality; it only changes yours. Let me repeat: What you think of the Fastlane doesn’t change my reality; its purpose is to change yours.

呵呵，你对快车道策略的信任（或者怀疑）不会对我有任何的影响，它只会改变你。我再强调一遍：你怎么看待它不会改变我的生活，它只是为了改变你。

So let me tell you about my reality. I live happily in a big house overlooking the mountains in beautiful Phoenix, Arizona. There are rooms in my house that I don’t visit for weeks. Yes, the home is too large, and that story is a horrifying epic best forgotten.

让我告诉你我的生活。我住在凤凰城（位于亚利桑那州）的一所豪宅里，十分幸福，可以远眺群山。房子里的一些房间我甚至几礼拜都没进去过。没错，这房子非常大，这个故事是如此令人震惊、难以忘怀。

I can’t remember the last time I awakened to an alarm clock—everyday is a Saturday. I have no job and no boss. I don’t own a suit or a tie. My cholesterol level confirms that I dine at Italian restaurants far too often. I smoke cheap cigars. As of this edition, I drive a Toyota Tacoma for work (“work” means going to the gym and grocery shopping) and a Lamborghini Murcielago Roadster for play. I almost lost my life street racing a 750-horsepower Viper laced with nitrous oxide. I shop at Costco, Kohl’s, and Wal-Mart if I’m in the neighborhood and it’s past 12 a.m. No, I don’t drive the Lamborghini to Wal-Mart; that might cause a disruption in the space-time-continuum. Trekkies know better.

我已经想不起上次被闹钟叫醒是什么时候了——每天都是周六。我没有工作，没有老板。我没有西装或者领带。我的胆固醇水平表明我最近经常去意大利餐馆进餐。我抽廉价雪茄。到目前为止。我开丰田Tacoma去工作（这个“工作”指去健身房和杂货店购物），开兰博基尼Murcielago跑车去娱乐。我在街道上与一辆750马力的蝰蛇跑车竞赛，差点丢了小命。如果刚好附近有好市多，科尔和沃尔玛，又过了中午12点，我会去那里购物。没错，我不开兰博基尼去沃尔玛，那会导致时空连续的破坏，太空旅行者了解更多。

I don’t own a watch more expensive than $149. I enjoy tennis, golf, biking, swimming, hiking,softball, poker, pool, art, travel, and writing. I travel whenever and wherever I want. Other than my mortgage, I have no debt. You can’t buy me gifts because I have everything I want. Prices for most things are inconsequential because if I want it, I buy it.

我的手表不超过149美元。我喜欢网球、高尔夫、滑雪、游泳、远足、垒球、扑克、合伙经营、艺术以及写作。我可以在我想要的任何时候，去任何地点旅游。除了我的抵押贷款,我没有任何负债。你无法买礼物给我，因为我什么都有。大多时候，价格对于我来说不重要，因为我想要什么，我就买什么。

I made my first million when I was 31. Five years earlier, I was living with my mother. I retired when I was 37. Every month I earn thousands of dollars in interest and appreciation on investments working around the globe. No matter what I do on any day, one thing is sure: I get paid and I do not have to work. I have financial freedom because I cracked the code to wealth and escaped financial mediocrity. I’m a normal guy living an abnormal life. It’s a fantasyland but my reality, my normal, my deviation from ordinary where I can pursue my most implausible dreams in a life free of financial encumbrances.

31岁的时候，我赚到了第一个100万。五年前，我和母亲住在了一起。我37岁退休，在全球的各种兴趣投资能让我每月挣数千美元。无论我在哪一天做什么事，很明确的是：我不用工作也能拿到报酬。我已财务自由，因为我破解了财富密码，远离了财富平庸。我是一个平凡的人却有了不平凡的人生，听着像幻境一般，但却是我的现实生活，我的常态，不同于平庸的人，我可以追求我至高无上的梦想而没有财务负担。

Had I chosen the preordained road, “Get Rich Slow,” my dreams would be on life-support, likely replaced with an alarm clock and a heavy morning commute.

如果我选择了所谓注定的路，“缓慢致富”，我的梦想将会难以支持，很可能被闹钟和早晨的通勤时间占据。

How about your dreams? Do they need resuscitation? Is your life on a road that converges with a dream, or is one? If your dreams have lost probability it’s possible “Get Rich Slow” has killed them. “Get Rich Slow” criminally asks you to trade your freedom for freedom. It’s an insanely outrageous barter and a dream destroyer.

你的梦想如何了？他们需要复苏吗？你现在的人生是否还有梦想？如果你的梦想丧失了可能性，最有可能是“缓慢致富”杀死了它们。“缓慢致富”险恶地让你用自由换取自由。这是疯狂又离谱的交易，它是梦想毁灭者。

Alternatively, if you travel the right roads and leverage the right roadmap, you can resurrect your dreams to possibility. Yes, as a Fastlane traveler you can create wealth fast, screw “Get Rich Slow,” and win a lifetime of prosperity, freedom, and dream fulfillment . . . just as I did.

然而，如果你驾驶在了正确的道路上，参照了正确的地图指引，你可以让你的梦想重新变成可能。没错，作为一个快车道驾驶员你可以快速创造财富，抛弃“缓慢至富”，赢得人生的成功、自由、梦想实现……就和我一样。

If this book hasn’t found you early in life, don’t worry.

如果你年轻的时候没有看到这本书，不要着急。

The Fastlane doesn’t care about your age, your job experience, your race, or your gender. It doesn’t care about your “F” in eighth grade gym class or your beer-drinking reputation in college. The Fastlane doesn’t care about your Ivy League college degree or your Harvard MBA. It doesn’t ask you to be a famous athlete, actor, or a finalist on American Idol.

快车道不在乎你的年龄，你的工作经历，你的种族，或者你的性别。它不在乎你在八年级体育课上得了个“F”，或者在大学里酗酒的名声。快车道不在乎你的常春藤大学学位或者哈佛MBA。它不要求你成为一个著名运动员、演员，或是进入美国偶像决赛。

The Fastlane is merciful on your past if you just unlock the gateway into its universe. Finally, at the risk of sounding like a late-night infomercial, let me clarify: I’m not a self-proclaimed guru nor do I want to be. I dislike gurus because “guruness” implies know-it-all status. Call me the “anti-guru” of “Get Rich Slow.” The Fastlane is a lifetime school with no graduates; 20-plus years into this and I humbly admit, I have more to learn.

快车道对你的过去很仁慈，如果你打开了通往它的世界的大门。最后，因为这听起来像一个带着风险的深夜电视购物频道，让我澄清一下：我不是也不想成为自我定位的专家。我不喜欢专家，因为“专家”意味着什么都知道。你可以称我为打击“缓慢至富”的反专家人士。快车道是一个终生的学校，不会毕业; 20多岁的时候我进入了它，我谦恭地承认，我还有更多需要了解的。

SORRY, NO FOUR-HOUR WORK WEEK HERE

很抱歉，这里没有四小时工作周（美国一本畅销书）

First, let’s get something clear: This isn’t a “how-to” book. I’m not going to tell you every nuance about “how I did it” because how I did it isn’t relevant. This book doesn’t contain a list of Web sites that outline ways to “outsource” your life. Success is a journey, and it can’t be outsourced to India in a four-hour work week. The Millionaire Fastlane is like a yellow brick road paved in psychology and mathematics that put the probability of massive wealth in your favor.

首先，让我们明确：这不是一个“如何去做”的书。我不会告诉你任何一个细节关于“我是如何做的”，因为我是如何做到的不重要。这本书不是网页站点的一系列清单，列出方法来“外包”你的生活。成功是一段旅程，不可能外包给印度，还有所谓的四小时工作周。百万富翁快车道就像是铺着黄砖的道路，铺满了心理学和数学公式，给你拥有财富的可能性。

During my Fastlane journey of discovery, I always sought the absolute, infallible formula that would lead to wealth. What I found was ambiguity and subjective imperatives like “be determined” or “persistence pays” or “it’s not what you know, but who.” While these tidbits compiled part of the formula, they didn’t guarantee wealth. A workable formula uses mathematical constructs and not flimsy subjective statements. Does wealth have a mathematical formula, a code that you could exploit to tilt the odds in your favor? Yes, the Fastlane quantifies it.

在我的快车道探索旅程中，我一直在寻求绝对的、正确的走向富裕的公式。我发现的却只有模糊和主观的理念，如“下定决心”，“坚持就是胜利”，“有本事不如认识人。”当这些概念被编写成公式的一部分，其实它们并不能保证财富。一个可行的公式使用的是数学模型，而不是经不起推敲的主观陈述。财富是否有一个数学公式，一个代码来为你所用？是的，快车道量化它。

Now for the bad news.

现在说坏消息

Many wealth seekers have false expectations about “money” books and think that some fairy-guru will do the work. The road to wealth has no escort and is always under construction. No one drops millions on your lap; the road is yours to travel and yours alone. I can open the door but I can’t make you walk through it. I don’t claim the Fastlane is easy; it’s hard work. If you expect a four-hour workweek here, you will be disappointed. All I can be is that creepy munchkin pointing off in the distance with a stern directive, “Follow the yellow brick road.”

许多财富追求者对于金钱类书籍有错误的期望，并认为那些童话般的专家会对他们有帮助。财富之路没有护航，永远在建设中。没人砸给你几百万，路是你独自走的。我可以打开门，却不能逼你走。我没说快车道是容易的，会很艰苦。如果你期待四小时工作周，你会失望的。我能做的是，在远方严厉的指令，“沿着这条黄砖大路”

The Fastlane is that road.

那条路就是快车道。

COFFEE WITH A MULTIMILLIONAIRE

I’ve approached this book conversationally, as if you’re my new friend and we’re having coffee in a quaint neighborhood cafe. While I will interact with you as if you’re my friend, let’s face it: I don’t have a clue who you are. I don’t have intimate details about your past, your age, your biases, your spouse, or your education. Therefore, I need to make some general assumptions to ensure that our conversation seems personal to you. My assumptions:

我会用对话形式开始这本书，你是我的新朋友，我们在一个古色古香的街区的咖啡馆喝咖啡。我会与你朋友般地交流，让我们想象情景：我完全不知道你是谁。我不知道你的过去，你的年龄，你的偏好，你的配偶，或你的教育经历。所以，我需要做一些基本假设，以确保我们的谈话对你来说是私人的。我的假设：

•  You look around your life and think, “there’s got to be more.”

你环顾你的生活，认为“应该得到更多。”

•  You have big dreams, yet you’re concerned that the road you’re traveling will never

converge with those dreams.

你有很大的梦想，然而你担心你正在走的道路将永远无法实现你的梦想。

•  You’re college-bound, college-enrolled, or college-educated.

你还未上大学，你登记进入大学，你已从大学毕业。

•  You have a job you don’t enjoy or isn’t going to make you rich.

你有一份工作，但你不喜欢或者这份工作不能让你致富。

•  You have little savings and carry a load of debt.

你积蓄很少，有承担债务

•  You contribute regularly to a 401(k).

你定期为养老保险投钱。

•  You see rich people and wonder, “how did they do it?”

你看到有钱人,感到惊奇，“他们怎么做到的？”

•  You have bought a few “get rich quick” books and/or programs.

你曾经买过一些“快速致富”的书或者程序。

•  You live in a free, democratic society where education and free choice are standards.

你生活在一个自由、民主的社会，有接受教育和自由选择的权利。

•  Your parents subscribe to the old school: “Go to college and get a good job.”

你的父母信奉传统想法：“上大学，找份好工作.”

•  You don’t have any physical talent; your chances of becoming a professional athlete, singer, entertainer, or actor are zero.

你没有任何体能上的才能，你成为职业运动员、歌手、艺人或演员的机会是0.

•  You are young and full of enthusiasm about the future, but unsure where to direct it.

你还年轻，对未来充满热情，但你不知道该去何方。

•  You are older and have been in the workforce for some time. After all these years, you don’t have a lot to show for it and are tired of “starting over.”

你有些年龄，工作了一段时间。 经过了这些年，你没有很多值得炫耀的东西，也已经厌倦了“从头开始”。

•  You’ve put your heart and soul into a job only to be laid off due to a bad economy or cutbacks.

你把内心和灵魂投入到一份工作中，经济不景气或裁员就会面临下岗.

•  You’ve lost money in the stock market or traditional investments championed by mainstream financial gurus.

你在股票市场上频频失利，跟着主流金融专家们投的资也打了水漂。

If some of these assumptions reflect your situation, this book will have an impact.

如果以上的某些猜想反映了你的情况，那这本书将会影响你。

HOW THIS BOOK IS ORGANIZED

At the conclusion of each chapter, there is a subsection titled “Chapter Summary: Fastlane Distinctions” which chronicles the critical distinctions to Fastlane strategy. Don’t ignore these! They’re the building blocks to engineering your Fastlane. Additionally, the stories and examples in this book come from the Fastlane Forum and other personal finance forums. While the stories are real and come from real people with real problems, I’ve changed the names and edited the dialogue for clarity. And finally, feel free to discuss Fastlane strategy with thousands of others at the Fastlane Forum (TheFastlaneForum.com). When the Fastlane changes your life, stop by and tell us how or email me at mj.demarco@yahoo.com!

在每章结束时，有一个标题为“本章小结：快车道特征”的模块，记录了快车道策略的关键特征。不要忽视这些！他们是建造你的快车道的基础。此外，这本书中的故事和举例来自快车道论坛和其它个人理财论坛。故事是来自于真人真事，我改变了真实姓名，为了清晰，我重新修改了对话。最后，欢迎与其他数千人在快车道论坛（TheFastlaneForum.com）随时讨论快车道策略。当快车道改变了你的人生，不妨在论坛里告诉我们或给我发电子邮件，地址是mj.demarco@yahoo.com！

It took me years to uncover and assemble the Fastlane strategies, learn them, use them, and ultimately make millions. Bored, retired, and yes, still young with hair, I give you The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for A Lifetime! Fasten your seat belts, grab a ten-buck latte, and let’s go on a road trip!

揭露和整理快车道策略花了我几年的时间，请学习、使用，最终赚取百万美元。无论你是无聊、退休还是年纪轻轻，《百万富翁快车道：破译财富密码，过富裕的一生》是你的选择！系好安全带，品一口拿铁咖啡，让我们开始新旅途把！