正文翻譯

What personal finance mistakes should everyone avoid?

大家應(yīng)該避免哪些個人理財(cái)錯誤？

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評論翻譯

1. Jonathan Chen, Individual Investor / Voracious Reader Answered September 5, 2016
Top 5 Financial Mistakes Everyone Should Avoid
Obsessing over your investments - Think of yourself as a company with a balance sheet and a income statement. Your core business is actually your job, not your investment portfolio. Rather than obsessing over “the best investment”, invest in yourself – further education/training, or even starting your own business. Over your life time, your investment returns is paltry compared to your earned income.

1、沉迷于對自己的投資——把自己當(dāng)成了一家擁有資產(chǎn)負(fù)債表和利潤表的公司。你的核心業(yè)務(wù)實(shí)際上是你的工作，而不是你的投資。與其沉迷于“最好的投資”，不如投資自己——深造、培訓(xùn)，甚至是自己創(chuàng)業(yè)。在你的一生中，與你的收入相比，你的投資回報顯得微不足道。

Most of our financial mistakes are direct results of emotional (illogical!) thinking. For example, getting one of these terrible-paying college degrees, because “I’ve always wanted to be a reporter”; spending tens of thousands on a wedding; or buying/leasing a new car when the old one runs just fine. All of which are exacerbated with borrowing. But when you start to think of yourself as a start-up company, you can start to make these decisions more rationally.

我們大多數(shù)的理財(cái)錯誤都是情緒化思考的直接結(jié)果。比如，因?yàn)椤拔乙恢毕氤蔀橐幻浾摺?，所以獲得了一個這樣的高薪大學(xué)學(xué)位;花費(fèi)數(shù)萬美元舉辦了一場婚禮;買或租了一輛新車，而舊的車還能正常運(yùn)行。這些都會因?yàn)榻杩疃┥霞铀５?dāng)你開始把自己當(dāng)成一個創(chuàng)業(yè)公司時，你就可以更理性地做出這些決定了。

Next time you’re planning to make a purchase, imagine you are a contestant on Shark Tank and think about what the sharks might say. Would they approve?
You: “I know my company isn’t profitable yet, but I’m going to borrow $100k for a law degree at a third tier law school, then I’m going to borrow another $20k for my wedding.”
The Sharks (in unison): “I’m out!”

下次當(dāng)你打算購物時，你就想象自己是《Shark Tank》的參賽者，想想他們會怎么說。他們會批準(zhǔn)嗎?
你:“我知道我的公司還沒有盈利，但我打算借10萬美元去三流法學(xué)院攻讀法律學(xué)位，然后再借2萬美元籌辦我的婚禮?！?br>參賽者(齊聲):“我退出!”

2. Angela Nguyen, Traveller & Business Owner Answered September 1, 2016
Lifestyle Inflation: After a salary increase, most people will want to spend their money on new toys (cars, designer goods etc…). Avoid the desire to increase your spendings to “keep up” or because you feel entitled to a certain lifestyle. You will lose your ability to keep/generate more wealth.

1、生活方式膨脹：薪水漲了之后，大多數(shù)人會想把錢花在新的追求上，例如汽車、名牌商品等等。你需要避免為了“跟上潮流”而不斷增加支出的欲望，或者你覺得自己有權(quán)享受某種生活方式，否則你將失去保持/創(chuàng)造更多財(cái)富的能力。

Not keeping track of expenses: Whether it's lending money to a family member/friend or spending recklessly every weekend, not knowing where your money is going can have big consequences. Keep track so you know the % of your money going down the drain and how to limit it.

2、不記錄開支：不管是借錢給家人或朋友，還是每個周末花的錢，自己都不知道錢都花到哪里去了，這都會造成很大的后果。保持記錄，這樣你就知道你的錢浪費(fèi)了多少，以及如何限制它。

No savings: Always, always have money saved up and ensure that you have set both short and long term finance goals to achieve! Most people I know don't have clear, defined finance goals so don't end up saving much. They usually spend first then save (should be the other way around). Sometimes, they end up with nothing to save so what do they do? Use their credit card for every little thing, rack up a massive debt, can't find the money to repay it, and end up paying extra in interest (imagine paying interest on top of your lunch)!

3、沒有存款：一定要把錢存起來，確保你有短期和長期的財(cái)務(wù)目標(biāo)!我認(rèn)識的大多數(shù)人都沒有明確清晰的理財(cái)目標(biāo)，所以最后也沒有存下多少錢。他們通常先花錢后存錢(正確的方式應(yīng)該是反過來)。有時候，他們沒有錢可以存，那他們該怎么辦呢?每一件小事都使用信用卡，積累大量的債務(wù)，然后又找不到錢來償還，最終不得不支付額外的利息！

3. Cody Shirk, Explorer, Investor - codyshirk.com Answered September 10, 2016
There is one rule that stands out more than any other.
Do not let your liabilities grow larger than your income.
This seems like such an obvious rule… but hardly anyone follows it.
People’s spending habits usually increase with their income flow.
So, no matter how much money someone makes, they often spend the same correlating amount.

有一條規(guī)則比其他任何規(guī)則都重要：
不要讓你的負(fù)債超過你的收入。
這似乎是一個顯而易見的規(guī)則，但幾乎沒有人遵守它。
人們的消費(fèi)習(xí)慣通常隨著收入的增加而增加。
所以，不管一個人賺了多少錢，他們通常花費(fèi)的相關(guān)金額是相同的。

This practice of spending everything you make on things that do not make future returns is promoted by the culture we live in.
The idea of credit is what has fueled our economies, and in turn is promoted as a necessary part of our lives. This leads many people to extend their credit to the point that all of their money coming in is immediately going out.

把賺來的錢都花在將來不會有回報的東西上，這種做法是我們這個時代所提倡的。
信貸推動了我們的經(jīng)濟(jì)，反過來又被推廣為我們生活中不可或缺的一部分。這導(dǎo)致許多人擴(kuò)大他們的信用額度，從而他們所有的錢都會立即流動起來。

If you look at any wealthy person, you will find that their flow of money coming in is greater than the flow going out. Furthermore, the funds that are flowing out are not being spent on useless liabilities; they are being invested in assets that will provide even more returns in the future.

如果你觀察過任何一個富人，你會發(fā)現(xiàn)他們流入的資金大于流出的資金。而且，流出的資金并沒有花在無用的負(fù)債上，而是被投資在未來會提供更多回報的資產(chǎn)上。

If you can follow this one rule, then you will be assured to always have more money than you need.
I write about wealth building several times a week for free. Really, the most important part of becoming wealthy is just being consistently disciplined. It doesn’t take a high IQ or anything too complicated - just discipline.

如果你能遵循這一條規(guī)則，那么你就能保證自己的錢比你需要的多
我每周都會免費(fèi)寫幾篇關(guān)于財(cái)富積累的文章。真的，致富最重要的一點(diǎn)就是要堅(jiān)持紀(jì)律。這不需要高智商或任何太復(fù)雜的東西，只需要紀(jì)律。

Investing in something simply because his friends/relatives doing so
Believing his friends/relatives are experts in personal finance and asking for investment options from them
Not knowing in what he/she is investing
Believing whatever his financial advisor says
Not making budgets
Not maintaining emergency fund
Investing only to save income tax(without knowing about the investment plan)
Not having any financial goals

投資僅僅是因?yàn)樽约旱呐笥?親戚也這樣做
· 相信自己的朋友/親戚是個人理財(cái)專家,并向他們詢問投資方案
· 不知道自己在投資什么
· 完全相信自己的財(cái)務(wù)顧問
· 沒有做預(yù)算
· 沒有應(yīng)急資金
· 投資只是為了節(jié)省所得稅(不了解投資計(jì)劃)
沒有任何財(cái)務(wù)目標(biāo)

Not understanding the difference between investing and trading
Buying shares with the help of tips(mostly free tips)
Not getting professional advice on Personal Finance
Not mentioning nominees or not informing the nominees about the investments made
Not discussing about money/Personal Finance with family
Not having proper asset allocation

不理解投資和交易的區(qū)別
· 借助小道消息購買股票(主要是免費(fèi)的消息)
· 沒有得到專業(yè)的個人理財(cái)?shù)慕ㄗh
· 不提及或直接忽略投資的提名
· 不與家人討論金錢/個人理財(cái)問題
資產(chǎn)配置不當(dāng)