【财商学习】65/90《富爸爸穷爸爸》0511-2019#杭州@

【财商学习】65/90《富爸爸穷爸爸》0511-2019#杭州@陈倩

工作等于处在破产边缘

In 1977, I formed my first company. Rich dad had groomed Mike and me to take over companies.

1977年，我创建了自己的第一家公司。富爸爸鼓励我和迈克去管理公司。

So I now had to learn to form them and put them together.

现在我就得学着创建并管理它们了。

My first product, the nylon-and-Velcro wallet, was manufactured in the Far East and shipped to a warehouse in New York, near where I had gone to school.

我的公司的第一种产品是尼龙和维可牢搭扣钱包，它们是在远东生产的，然后装船运到纽约的仓库里，仓库离我去上学的地方很近。

My formal education was complete, and it was time to test my wings.

我的常规教育已经完成，现在是我单飞的时候了。

If I failed, I went broke. Rich dad thought it best to go broke before 30.

如果失败了，我就会破产。富爸爸认为如果要破产的话，一定要在30岁以前。

"You still have time to recover" was his advice. On the eve of my 30th birthday, my first shipment left Korea for New York.

他的建议是“这样你还有时间东山再起”。就在我30岁生日的前夜，我的第一批货物驶离韩国前往纽约。

Today, I still do business internationally. And as my rich dad encouraged me to do, I keep seeking the emerging nations.

直到今天，我仍然在做国际贸易，就像富爸爸鼓励我的那样，我一直在寻找新兴国家的商机。

Today my investment company invests in South America, Asia, Norway and Russia.

现在我的投资公司在南美、亚洲、挪威和俄罗斯等地都拥有投资项目。

There is an old cliché that goes: "Job is an acronym for 'Just Over Broke. '"

正如一句格言所说：“工作（job）一词就是‘比破产强一点'（just over broke）。”

Unfortunately, I would say that saying applies to millions of people.

然而不幸的是，这句话确实适用于千百万人。

Because school does not think financial intelligence is an intelligence, most workers live within their means.

因为学校没有把财商看做是一种智慧，大部分工薪阶层都量入为出。

They work and they pay the bills.

他们挣钱，然后支付账单。

There is another horrible management theory that goes,

还有另外一种可怕的管理理论是这样说的：

"Workers work hard enough to not be fired, and owners pay just enough so that workers won't quit."

“工人付出最大努力以免于被解雇，而雇主提供最低工资以防止工人辞职。”

And if you look at the pay scales of most companies, again I would say there is a degree of truth to that statement.

如果你看一看大部分公司的工资支付额度，就会明白这一说法确实在某种程度上道出了真相。

The net result is that most workers never get ahead. They do what they've been taught to do: Get a secure job.

最终的结果是大部分人从不敢越雷池一步，他们按照别人教他们的那样去做：找一份稳定的工作。