Money is not taught in schools. Schools focus on scholastic and professional skills, but not on financial skills. This explains how smart bankers, doctors and accountants who earned excellent grades in school may still struggle financially all of their lives. Our staggering national debt is due in large part to highly educated politicians and government officials making financial decisions with little or no training on the subject of money.
遗憾的是，学校并没有开设有关“金钱”的课程。学校教育只专注于学术知识的传授和专业技能的培养，却忽视了理财技能的培训。所以众多精明的银行家、医生和会计师在学校时成绩优异，可还是要一辈子在财务问题上挣扎。美国岌岌可危的债务问题在很大程度上也应归因于那些政治家和政府官员们做出的财务决策，他们虽然受过高等教育，但很少甚至几乎没有接受过理财方面的培训。
I often look ahead to the new millennium and wonder what will happen when we have of millions people who will need financial and medical assistance. They will be dependent on their families or the government for financial support. What will happen when Medicare and Social Security run out of money? How will a nation survive if teaching children about money continues to be left to parents-most of whom will be, or already are, poor?
今天我常常在想，当数百万人需要经济和医疗援助时该怎么办？当然，他们可以得到家人的支持和政府的救助。可是，当医疗保险和社会保险都用完时又该怎么办？如果我们继续把教孩子理财的重任交给那些濒于贫困边缘或已陷入贫困境地的父母，我们的国家又该怎么发展下去？
Because I had two influential fathers, I learned from both of them. I had to think about each dad's advice, and in doing so, I gained valuable insight into the power and effect of one's thoughts on one's life. For example, one dad had a habit of saying, "I can't afford it." The other dad forbade those words to be used. He insisted I say, "How can I afford it?" One is a statement, and the other is a question. One lets you off the hook, and the other forces you to think. My soon-to-be-rich dad would explain that by automatically saying the words "I can't afford it," your brain stops working. By asking the question "How can I afford it?" your brain is put to work. He did not mean buy everything you wanted. He was fanatical about exercising your mind, the most powerful computer in the world. "My brain gets stronger every day because I exercise it. The stronger it gets, the more money I can make." He believed that automatically saying "I can't afford it" was a sign of mental laziness.
由于我有两位极具影响力的爸爸，所以我从他们两人身上都学到了很多东西。我不得不思考每个爸爸的建议，在我把这些建议付诸实际的同时，我认识到有一点很重要，那就是一个人的观念对他的一生影响巨大。例如，我的一个爸爸总是习惯说“我可付不起”，而另一个爸爸则禁止我们说这样的话，他坚持让我这样说：“我怎样才能付得起？”这两句话，一句是陈述句，另一句是疑问句。一句让你放弃，而另一句则促使你去想办法。我那个在不久之后就富起来的爸爸解释，当你下意识地说出“我付不起”的时候，你的大脑就会停止思考；而如果你自问“我怎样才能付得起”，则会让你的大脑动起来。当然，他的意思并不是让你把每件想要的东西都买到手，这里只是强调要不停地锻炼你的大脑——它是世界上最强大的“计算机”。富爸爸说：“我的大脑越用越活，大脑越活，我挣的钱就越多。”他认为，下意识地说“我可付不起”意味着精神上的懒惰。
2022-10-18
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