The most obsolete?idea is go to school, get a job,work hard, save money,get out of debt and invest for the long-term in the stock market. See, why would you save money when they're printing trillions of dollars?

最過時(shí)的想法是上學(xué)、找工作、努力工作、存錢、還清債務(wù)、在股市進(jìn)行長期投資。你看，他們印了數(shù)萬億美元你為什么要存錢?

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The gap between the 1% and 99% is massive. You see it's not just money, you have to step back and look at the bigger picture.

1%和99%之間的差距是巨大的。你看，這不僅僅是錢的問題，你必須退后一步，看看更大的圖景。

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So what do you do? In every one of us there's a poor person, there's still a poor person inside me. There's also a middle-class person and the middle-class person wants security, they want that steady paycheck.And there's a rich person. And they're all inside of us except that...

那你該怎么辦？我們每個(gè)人心中都有一個(gè)窮人，我的內(nèi)心也有一個(gè)窮人。還有一個(gè)中產(chǎn)階級，中產(chǎn)階級想要安全感，想要穩(wěn)定的薪水。還有一個(gè)富人。它們都在我們體內(nèi)，除了…

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It's not taught. It's- you're taught to go to school, get a job and get a paycheck. Not taught how to get rich. If you've read Rich Dad Poor Dad, my rich dad refused to pay me. He said the paycheck was one of the most damaging things you can take in your life. He says the moment you take a paycheck you're an employee and that's the mindset. So my rich dad never paid me.

這不是教的。你被教育要去上學(xué)，找份工作，拿到薪水。沒有被教過如何致富。如果你讀過《富爸爸窮爸爸》，我的富爸爸拒絕給我發(fā)工資。他說薪水是你生命中最具破壞性的東西之一。他說，當(dāng)你拿到薪水的時(shí)候，你就是雇員了，這就是心態(tài)。所以富爸爸從來不給我工資。

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It drove my poor dad, you know, a government employee nuts. "You got to pay people, you got to pay people." And rich dad was not saying that the paycheck was bad, he says he didn't want to be a slave to money.

這讓我可憐的父親（你知道，他是一名政府雇員）發(fā)瘋了，?“你得給人發(fā)工資，你得給人發(fā)工資”。?富爸爸并不是說薪水不好，他說他不想成為金錢的奴隸。

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So as an entrepreneur, you know, if rich dad folded?I just try another company.I don't need a paycheck.I don't need anybody to take care of me. If my government doesn't like me, I move to another country because they need entrepreneurs there. So the entrepreneur is not so much the business, the entrepreneur is really the mindset?and the skill sets?and the different set of rules.

因此，作為一名企業(yè)家，你知道，如果富爸爸倒閉了，我就嘗試另一家公司，我不需要薪水，我不需要任何人照顧我。如果政府不喜歡我，我就搬到別的國家去，因?yàn)槟抢镄枰髽I(yè)家。因此，企業(yè)家并不在于企業(yè)，企業(yè)家真正在于心態(tài)、技能和不同的規(guī)則。

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You see, I don't operate small business，does not operate in the same rules as big business. Entrepreneur is a mindset first, a skill set and rules. And depending upon whether you're an employee or small business the rules are different, the mindsets are different, the skill sets are different.

你看，我不經(jīng)營小企業(yè)，不按照與大企業(yè)相同的規(guī)則經(jīng)營。企業(yè)家首先是一種心態(tài)、一套技能和規(guī)則。根據(jù)你是員工還是小企業(yè)，規(guī)則不同，思維方式不同，技能也不同。

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-If you could say one thing to somebody whose never been an entrepreneur and they're thinking about making the leap of faith?into becoming?an entrepreneur, what could you tell them?

-Well, I'll just tell them the same thing that happened to me.

-如果你可以對那些從未成為企業(yè)家的人說一件事，而他們正在考慮實(shí)現(xiàn)信仰的飛躍，成為一名企業(yè)家，你能告訴他們什么？

-好吧，我會告訴他們發(fā)生在我身上的同樣的事情。

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You know, my last paycheck, I still remember it clearly it was one of the worst and the best days of my life and I was in?Puerto Rico,I was in, I was working for Xerox?and my boss gave me my last, it wasn't a paycheck，it was a bonus check?I think. It was about 30,000 bucks taxable, that's the only problem with that. So I get this check and I went, "Holy mackerel."

我還清楚地記得，那是我生命中最糟糕也是最美好的日子之一，我在波多黎各，我在施樂公司工作，我的老板給了我最后一份薪水，我想那不是薪水，而是獎(jiǎng)金。那是3萬美元的應(yīng)稅收入，這是唯一的問題。所以我拿到這張支票，然后說，“天哪!”

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You know, I mean, so I was excited but I was also disturbed. And so this other guy comes up to me, his name was John and John says to me says to me this,"you're going to be back." I said "Why?" he says, "because you're going to fail." I looked at him and I said, "look...” ,few expletive?words Because that's what he did, he left Xerox, failed and he came back. I said, "look...You fail and you came back, but I'm going to fail and I'm never coming back." and that's the attitude.

你知道，我的意思是，我很興奮，但我也很不安。然后另一個(gè)人走到我面前，他叫約翰。約翰對我說："你會回來的。"“為什么?”他說，“因?yàn)槟銜?。”我看著他說:“看……”，因?yàn)樗褪沁@么做的，他離開了施樂，失敗了，然后又回來了。我說:“看……你失敗了，你回來了，但我要失敗了，我再也不會回來了。" 這就是我的態(tài)度。

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- Do you know what I mean, - yeah.

-你明白我的意思嗎？-是的。

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If you say, "Well, if I fail I'll go back to mommy and daddy" then that's what you'll do. So if you fail, that's when I became an entrepreneur because I had no money. I had no money for years. Yeah, I didn't have a paycheck.But that's what my rich dad encouraged me to do.

如果你說，“好吧，如果我失敗了，我就回去找爸爸媽媽”，那你就會這么做。所以如果你失敗了，那就是我成為企業(yè)家的時(shí)候，因?yàn)槲覜]有錢。我有好多年都沒錢。是的，我沒有薪水。但這正是富爸爸鼓勵(lì)我去做的。

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He says when, when you don't have this paycheck you get hungrier, smarter and it's a test of your character. Will you become a crook? Will you become dishonest? Will you cheat and steal? Or will you become a better human being? So really that's the benefit of becoming an entrepreneur. You really find out who you are when you don't have anything. So you always have to look at the big picture.

他說，當(dāng)你沒有薪水的時(shí)候，你會變得更饑渴，更聰明，這是對你性格的考驗(yàn)。你會成為一個(gè)騙子嗎?你會變得不誠實(shí)嗎?你會欺騙和偷竊嗎?還是你會成為一個(gè)更好的人?這就是成為企業(yè)家的好處。當(dāng)你一無所有的時(shí)候，你才會真正發(fā)現(xiàn)自己是誰。所以你必須從大局出發(fā)。

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Too many people look at, "well, what's, what's going to happen to me?" When you look at the big picture, you're also going to know that when something bad happens, something good is going to happen. But you gotta prepare for whatever is coming. If you think the next 20 years will be like the last 20 years, you're going to get creamed.

太多人只看 "好吧，我會怎么樣？" 當(dāng)你縱觀全局時(shí)，你就會知道，當(dāng)壞事發(fā)生時(shí)，也會有好事發(fā)生。但你必須為即將發(fā)生的一切做好準(zhǔn)備。如果你認(rèn)為未來 20 年會像過去20年一樣，那么你就會被打敗。

?

You know, when you and I go to the supermarket and we buy a carton of milk. We always check for the expiration date. But most people do not check for the expiration date on their brains.

你知道，當(dāng)你和我去超市，我們買了一盒牛奶。我們總是檢查保質(zhì)期。但大多數(shù)人不會檢查他們大腦的有效期。

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Instead of getting out of debt?I get into debt. I just refinanced 300 million in debt. I went from 5% to 2.5% interest. I made a fortune. Every month more money comes in，because my cost of money?has gone down. So while some financial experts?are saying get out of debt, I'm saying learn how to use debt.

我沒有擺脫債務(wù)，反而陷入債務(wù)。我剛剛為3億美元的債務(wù)進(jìn)行了再融資。利息從5%降到了2. 5%，我賺了一大筆錢。每個(gè)月都有更多的錢進(jìn)來，因?yàn)槲业呢泿懦杀窘档土?。所以，?dāng)一些財(cái)務(wù)專家說要擺脫債務(wù)時(shí)，我卻說要學(xué)會如何利用債務(wù)。

?

See when I came back from serving in Vietnam in January of 73, and the first thing my rich dad said to me was, "Go to school to learn how to invest in real estate." It wasn't real estate, it was how to use debt and taxes. Debt and taxes make the rich richer. Debt and taxes make the poor and middle class poorer.

1973年1月，當(dāng)我從越南服役回來時(shí)，富爸爸對我說的第一件事就是:“去學(xué)校學(xué)習(xí)如何投資房地產(chǎn)。”問題不在于房地產(chǎn)，而在于如何利用債務(wù)和稅收。債務(wù)和稅收使富人更富。債務(wù)和稅收讓窮人和中產(chǎn)階級更窮。

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So all the rich guys who are doctors and lawyers or...you know, those guys, they're getting creamed.And they don't know why doctors are getting creamed?

所以所有的富人都是醫(yī)生和律師，或者……你知道，那些家伙，他們都遭到重創(chuàng)。他們不知道為什么醫(yī)生會遭受重創(chuàng)？

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Oh, yeah, they're making more money but the take-home is less. You know, my doctor just yelled at me. He's happy, he says, "Oh, guess what I finally made a million dollars." And I said, "Yeah", this is just three weeks ago. And so I said, "Yeah, well how much you pay in tax?" He says, "$750,000 in taxes." So his net was about $400,000. That's not bad, but when I make a million bucks, I keep a million bucks. And the reason is because I don't make it by working for money. See if you work for money your taxed.

哦，是的，他們賺了更多的錢，但帶回家的錢卻少了。你知道，我的醫(yī)生剛剛對我大喊大叫。他很高興，他說，“哦，猜猜我終于賺到了一百萬美元。” 我說，“是的”，這只是三周前的事。我說：“是的，那你繳了多少稅？” 他說：“75萬美元的稅款。” 所以他的凈資產(chǎn)約為40萬美元。 這還不錯(cuò)，但是當(dāng)我賺到一百萬美元時(shí)，我就會保留一百萬美元。原因是因?yàn)槲也皇强抗ぷ髻嶅X的。看看你是否為了納稅的錢而工作。

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So that's why lesson number one in Rich Dad Poor Dad is the rich don't work for money. What we do instead is we create businesses as entrepreneurs. We acquire real estate. I don't invest in the stock market. So the reason is because as entrepreneurs I have more control over my income, how much I make and how much I pay in taxes. And because I'm an entrepreneur as well as an investor in real estate, I pay zero tax.

這就是為什么《富爸爸窮爸爸》的第一課是富人不為錢工作。我們所做的是以企業(yè)家的身份創(chuàng)建企業(yè)。我們購置房地產(chǎn)。我不投資股票市場。原因在于，作為企業(yè)家，我對自己的收入、收入多少和納稅多少有更多的控制權(quán)。因?yàn)槲壹仁瞧髽I(yè)家，也是房地產(chǎn)投資者，所以我的納稅額為零。

?

So every time I make，?let's say a million dollars as an entrepreneur, I immediately invest it in real estate, and I have a 4 to 1 step up. So I put a million dollars in real estate, I get four million from the bank. That's why I love banks. But the banks are screwing everybody else, you know, terrible but it's good for me.

?

因此，每當(dāng)我賺到一百萬美元，比方說，作為一名企業(yè)家，我就會立即將其投資到房地產(chǎn)中，這樣我就有了4比1的升值空間。所以，我把一百萬美元投入房地產(chǎn)，就能從銀行獲得四百萬美元。這就是我喜歡銀行的原因。但銀行在壓榨其他人，你知道，這很糟糕，但對我有好處。

?

I thought you said when you print it's good for you, but when you print it's bad for people that work for money. Because when you print，savers get creamed, and people who work for money get creamed. When they print，debtors get rich. You see, debt and taxes make the rich richer, and debt and taxes make the poor and middle class poorer.

我記得你說過，印鈔對你有好處。但印鈔時(shí)，對那些為錢工作的人來說卻是壞事。因?yàn)楫?dāng)你印鈔時(shí)，儲戶會受到損失，而為錢而工作的人也會受到損失。當(dāng)他們印鈔時(shí)，債務(wù)人就會變得富有。你看，債務(wù)和稅收讓富人變得更富，債務(wù)和稅收讓窮人和中產(chǎn)階級變得更窮。

?

When we have obsolete ideas we get obsolete results. So what's happening for most people? The idea of going to school, getting a job, working hard, saving money, getting out of debt, buying your house because it's an asset and investing for a long term.

當(dāng)我們擁有過時(shí)的想法時(shí)，我們就會得到過時(shí)的結(jié)果。那么，對于大多數(shù)人來說發(fā)生了什么？上學(xué)、找工作、努力工作、存錢、擺脫債務(wù)、買房（因?yàn)榉孔邮琴Y產(chǎn)）、長期投資。

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It's obsolete. The world has changed, the world changed in 1971 when President Nixon took us off the?gold standard?and money became debt.

它已經(jīng)過時(shí)了。 世界已經(jīng)改變，1971 年尼克松總統(tǒng)讓我們放棄金本位制，貨幣變成了債務(wù)，世界就改變了。

?

the gold standard 金本位制度：一種貨幣制度，將貨幣的價(jià)值與一定重量的黃金掛鉤，使貨幣的發(fā)行量受到黃金儲備的限制。

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What if we get rid of school?then what would happen? Would it be better if we had no educational system at all? No, I'm saying education was more important before, it's just obsolete.

如果我們不上學(xué)會怎么樣?如果我們沒有教育系統(tǒng)會更好嗎?不，我是說以前教育更重要，現(xiàn)在已經(jīng)過時(shí)了。

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You know, there's Moore's Law that...Moore's Law which states information doubles every 18 months. In other words, everything is obsolete, 18 months. So, and this is a recent phenomenon. So when you come out of school, you're already obsolete, and that's why I'm the old guy. You know, I meet my friends, I went to Harvard. Yeah, I went to Harvard. I said, "Yeah, that was how long 50 years ago?"

你知道，摩爾定律說…摩爾定律指出信息每18個(gè)月翻一番。換句話說，18個(gè)月后，一切都過時(shí)了。這是最近的一個(gè)現(xiàn)象。所以當(dāng)你從學(xué)校出來的時(shí)候，你已經(jīng)過時(shí)了，這就是為什么我是那個(gè)老家伙。你知道，我認(rèn)識了我的朋友，我去了哈佛。是的，我上過哈佛。我說:“是啊，那是50年前的事嗎?”

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Today the banks are charging you interest to save money. In other words, the banks don't want your money because they've printed too much of it. And that's why there's bubbles and stocks and bubbles in real estate and all this. People are dumping the cash.

今天銀行向你收取利息以省錢。換句話說，銀行不想要你的錢，因?yàn)樗麄冇×颂嗟腻X。這就是為什么會有泡沫，股票泡沫，房地產(chǎn)泡沫等等。人們正在拋售現(xiàn)金。

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Because as I said in here, "Savers are losers and cash is trash." And yet people are, "Well, I want a high-paying job." Well, that's an obsolete idea. Get out of debt, it's an obsolete idea. You should learn how to get into debt. How to you use debt to get rich. And they'll never teach you about taxes.

因?yàn)槲以谶@里說過 "儲戶是輸家，現(xiàn)金是垃圾。" 但人們卻說，"我想要一份高薪工作" 。嗯，這是一個(gè)過時(shí)的想法。擺脫債務(wù)，這是過時(shí)的想法。你應(yīng)該學(xué)會如何負(fù)債，如何利用債務(wù)致富。他們從來不會教你稅務(wù)知識。

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The reason the 1% is way up?here and the 99% are going this way is because when you print money two things happen, inflation and taxes. It's crushing them.

1%的人在這里大漲，而99%的人卻在走下坡路的原因是，當(dāng)你印鈔票時(shí)，會發(fā)生兩件事：通貨膨脹和稅收。這壓垮了他們。

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And any entrepreneur that thinks:"I'm just going to make money and start a business and make a lot of money because that what we talk about.” They really have got to smell the roses man.

任何企業(yè)家都會認(rèn)為："我就是要賺錢，就是要?jiǎng)?chuàng)業(yè)，就是要賺大錢，因?yàn)檫@就是我們所談?wù)摰?#34;。他們真得好好聞聞玫瑰花香了。

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You know, that's not what the real entrepreneurs are doing. Most entrepreneurs, there's 28 million small business owners in America, 24 million are, are one person entrepreneurs. They're called non-employee?entrepreneurs. So that because, and that's what happens is when people don't really understand what an entrepreneur does. So most people are self-employed, but they're not really entrepreneurs.

你知道，這不是真正的企業(yè)家所做的。 大多數(shù)企業(yè)家，美國有2800萬小企業(yè)主，其中2400萬是個(gè)人企業(yè)家。他們被稱為非雇員企業(yè)家。因?yàn)?，?dāng)人們并不真正了解企業(yè)家所做的事情時(shí)，就會發(fā)生這種情況。所以大多數(shù)人都是個(gè)體經(jīng)營者，但他們并不是真正的企業(yè)家。

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The self-employed pay the highest taxes of all and nobody tells them that. Yeah, it's also called the entrepreneurial spirit. But what we're actually talking about was there's no such thing as a bad economy.

自雇人士繳納的稅最高，但沒有人告訴他們這一點(diǎn)。是的，這也叫企業(yè)家精神。但我們實(shí)際上討論的是，根本就沒有經(jīng)濟(jì)不景氣這回事。

?

You know those externally, you and I, we all have an external economy. But we also have an internal economy, and the will power?is to change our internal economy. So for me, I can see the good,I can see the bad, I don't really give a damn. Because I'm going to be rich anyway.

要知道，你我都有外部經(jīng)濟(jì)。但我們也有內(nèi)部經(jīng)濟(jì)，而意志力就是改變我們的內(nèi)部經(jīng)濟(jì)。所以對我來說，我能看到好的，也能看到壞的，我真的不在乎。因?yàn)闊o論如何我都會變得富有。

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But a poor person with a poor personal economy, all they're going to see is a bad economy. Because they don't know how to make money in any economy. And a middle-class person, they have a middle-class economy. You know what they want is a nice house, a steady paycheck and the job and the car. And so when you take their job away，to them that's disaster. Well since an entrepreneur doesn't have a job anyway, it's no big deal.

但對于個(gè)人經(jīng)濟(jì)狀況不佳的窮人來說，他們所看到的只是糟糕的經(jīng)濟(jì)。因?yàn)樗麄儾恢廊绾卧谌魏谓?jīng)濟(jì)體中賺錢。而一個(gè)中產(chǎn)階級的人，他們擁有中產(chǎn)階級的經(jīng)濟(jì)。你知道他們想要的是一棟漂亮的房子、穩(wěn)定的薪水、工作和汽車。所以當(dāng)你剝奪他們的工作時(shí)，對他們來說那就是災(zāi)難。既然企業(yè)家沒有工作，那也沒什么大不了的。

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So all I'm saying to people is what Bucky Fuller taught me. There's always two sides, you know what I mean, you know to use plural at minimum two. So if you think the economy is bad, it's because your economy is bad. If you think that steady, you know, employment is important, then you'll see an economy without jobs.

所以我對大家說的都是巴奇·富勒教我的。凡事都有兩面，你知道我的意思，你知道至少要用復(fù)數(shù)的兩面性。所以如果你認(rèn)為經(jīng)濟(jì)不好，那是因?yàn)槟愕慕?jīng)濟(jì)不好。如果你認(rèn)為穩(wěn)定的就業(yè)很重要，那么你就會看到一個(gè)沒有就業(yè)機(jī)會的經(jīng)濟(jì)。

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Your economy, your economy versus the external economy. Where you control VS where you can't control. I can control yes, it's called, it's called an internal focus versus an external focus. So the real entrepreneur has an internal focus, but if they fall down they say, "Oh, this is good because I'm going to go up higher."

你的經(jīng)濟(jì)，你的經(jīng)濟(jì)與外部經(jīng)濟(jì)。你能控制的地方與你不能控制的地方。我能控制是的，這就是所謂的內(nèi)部關(guān)注與外部關(guān)注。所以，真正的企業(yè)家都有內(nèi)在的關(guān)注點(diǎn)，但如果他們跌倒了，他們會說："哦，這很好，因?yàn)槲視赖酶?#34;。

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You know, the average person will fall down and say "Oh, I'm going to take some Prozac." Or, or the- or somebody has the mistakes, all the mistakes don't matter well. Mistakes, mistakes matter, it means you didn't know something.

你知道，普通人跌倒后會說 "哦，我要吃點(diǎn)百憂解" 或者，或者--或者有人犯了錯(cuò)誤，所有的錯(cuò)誤都不重要。錯(cuò)誤，錯(cuò)誤很重要，它意味著你不知道什么。

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But a real entrepreneur whether they fall down or they go, they always can go up. They can stand back up and go higher. That no matter what happens to them, they got stronger and better and smarter and happier.

但真正的企業(yè)家，無論跌倒還是走，總能爬起來。 他們可以站起來并走得更高。 無論他們發(fā)生什么，他們都會變得更強(qiáng)、更好、更聰明、更快樂。

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But a person with a weak internal mindset,is that they're so afraid of what happens, it generally happens. Like, you know, people who are afraid of losing their jobs they generally lose their jobs.

但是一個(gè)內(nèi)心脆弱的人，他們害怕發(fā)生的事情，一般都會發(fā)生。就像，你知道，害怕丟掉工作的人一般都會丟掉工作。

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- You know what I mean, - yeah,

- 你知道我的意思。-是的。

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No doubt, so everything comes through you. Yeah, so the entrepreneur first job is control inside here not outside there.

毫無疑問，所以一切都是通過你來實(shí)現(xiàn)的。 是的，所以企業(yè)家的首要任務(wù)是控制內(nèi)部而不是外部。

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The moment you take that paycheck you're an employee. You've got to be stronger than that. It's about inside control.

從你領(lǐng)取薪水的那一刻起，你就是一名雇員。 你必須比那更強(qiáng)。 這是關(guān)于內(nèi)部控制。

中英詞匯詳解見公眾號【Laylanote】