Original Title 原标题8 things you say all the time that could be holding you back from getting rich
一定不要说，这8句话会阻止你变得富裕
Your thoughts, actions, and even your choice of words could mean the difference between living a wealthy life and an average life
你的思想、行动，甚至你选择的语句可能意味着富裕生活和普通生活的差别
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"If you spend time around the wealthy and the middle class, it's an eye-opening experience to hear the differences in how the two groups speak," writes Steve Siebold, a self-made millionaire who has studied over 1,200 rich people.
史蒂夫·西埃博德（Steve Siebold）是一位对1200名富人作过研究、白手起家的百万富翁，他写道：“如果你与富裕阶层和中产阶层的人都相处过的话，你会得到一个大开眼界的体验——两个群体的人的说话方式是如此的不同。”
"The middle class tends to be negative about money, and when it comes to earning a lot of it, most believe it's not possible for them."
“中产阶层在金钱方面倾向于消极，当谈及要挣很多钱时，他们大部分人会觉得不可能。”
Here are eight seemingly harmless things many of us say all the time that you wouldn't hear from the rich:
以下是无法从富裕阶层的人那里听到的，但我们一直在说的、似乎也没有什么不好的8句话；
1. 'I hate my job.'
我讨厌我的工作
Do what you love, or you will lack the energy to become truly successful and wealthy.
做你喜欢的工作，否则你将缺乏让你变得成功和富裕的能量。
"No man can succeed in a line of endeavor which he does not like," writes Napoleon Hill in his 1939 masterpiece, "Think and Grow Rich."
“没有人能在他不喜欢的领域里取得成功。”拿破·希尔在他1939年的著作《思考致富》上写道。
Nearly a century later, and this emphasis on passion and enthusiasm is just as — or even more — relevant. In a more recent study of over 1,200 of the world's wealthiest people, self-made millionaire Steve Siebold uncovered similar findings, which he details in his book, "How Rich People Think."
近一个世纪过去，这种对激情和热情的强调依然适用，甚至更加适用。最近，白手起家的百万富翁史蒂夫·西埃博德（Steve Siebold）对全球 最富有的1200多人进行了研究，得到了类似的发现，并在她他的书《富人是如何思考的》中作了详细的介绍。
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"The rich know that passion is the real secret of getting rich," writes Siebold. "It's a cause and effect relationship between effort and passion, but while the masses see passion as the effect, the great ones see it as the cause. In other words, the average person goes to work every day and hopes to find passion in his or her efforts. The rich go to work every day feeling passion for what they do, and their passion fuels their efforts."
“富人们知道激情（热情）是变得富裕的真正秘密。”西埃博德写道：“努力和激情之间的关系是原因和影响的关系，但是众人把激情看作影响，有成就的人把激情看作原因。换句话来说，普通人每天去上班，希望找到他/她要努力的激情。富人们对他们所做的事情充满激情而每天去上班，他们的激情让他们更加努力。”
Rather than saying you hate your job, redirect that energy towards finding a job that you're enthused about. "The first belief you must adopt is that it's possible to do what you love and get rich doing it," writes Siebold.
与其在说你讨厌你的工作，不如把你的精力转向寻找一份你热爱的工作。“你首先要采取的第一天信念是，你可以去做你热爱的工作，在从事这份工作中变得富裕。”西埃博德写道。
2.'I can't afford it.'
我买不起
It's a seemingly harmless, but highly unproductive phrase.
这句话看似没有任何害处，但是一句毫无效益的句子。
"By automatically saying the words 'I can't afford it,' your brain stops working," writes Robert Kiyosaki in the personal finance classic, "Rich Dad Poor Dad." It lets you off the hook, and doesn't force you to problem solve your way to actually being able to afford whatever it is that you want. Rather than stating "I can't afford it," ask, "How can I afford it?"
“在自动地说'我买不起'，你的大脑就停止工作。”罗伯特·清崎在他的财经经典《富爸爸穷爸爸》里写道。这句话让你变得轻松，没有强迫你去解决问题、找到让你真正买得起你想要的东西的方法。与其说“我买不起”，不如问自己“我要如何能买得起。”
This doesn't mean you should buy everything, Kiyosaki emphasizes. The point is that you should constantly be exercising your mind, coming up with creative solutions, and thinking how can I make something happen, rather than I can't make this happen.
清崎强调道，这并不意味着你要买所有人东西。关键在于，你要不断地锻炼你的思维，想出创造性的解决方法，并思考“我公司如何做到”，而不是认为“我做不到”。
3.'Rich people deserve to be wealthy (and I don't).'
富人们有钱是理所当然的（我不配）
"There is a pervasive belief among the masses that tells them they don't have the right, nor are they good enough as human beings to ask, hope, or pray for prosperity beyond their basic needs," explains Siebold. "Who am I, they ask themselves, to become a millionaire? Who am I to live a lifestyle fit for a king?"
“大众普遍认为他们没有权利，也没有足够的能力去要求、希望或祈祷超过他们基本需要的财富。”西埃博德解释道：“他们自己问自己，我有资格成为百万富翁吗？我有资格过上国王般的生活吗？”
Meanwhile, he says, rich people ask, "Why not me?" They believe that success is natural — they believe that they deserve it.
他说：“与此同时，富人们则问'为什么不是我？'他们相信成功是天生的，他们本该有的。”
"Being rich isn't a privilege. Being rich is a right," explains Siebold. "If you create massive value for others, you have the right to be as rich as you want."
“成为富人并不是一种特权，而是一种权利。西埃博德解释道：“如果你为其他人创造大量的价值，你就有权获得你希望的财富。”
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4.'I'll never be rich.'
我永远不会变得富裕
"Stop telling yourself that getting rich is outside of your control," Siebold writes. "The truth is that making money is an inside job."
“不要告诉自己变得富有是无法控制的。”西埃博德写道：“事实上赚钱是一种内在的工作。”
He says that rich people have an "action mentality" — they commit to attaining wealth, and don't stop until they achieve what they set out to achieve. It takes focus, courage, knowledge, and a lot of effort, but the most successful people are the ones who are always up for the challenge.
他说，富人们有一种“行动思维”，他们致力于获得财富并不断地为之努力，直到他们实现了他们的目标。这需要专注、勇气、知识，以及许多努力，但是最成功的人是那些永远乐于迎接挑战的人。
5.'My house is my greatest asset.'
我最大的资产是我的房子
Many people tend to regard their homes as an asset, but at the end of the day, owning a home is more of a liability — mortgage payments, property taxes, and repairs take money out of your pocket, the opposite of an asset.
许多人认为他们的房子是一种资产，但是归根结底，拥有一套房子更像是一种负担——房贷、房产税以及修缮，都需要你从口袋里掏钱，这与资产恰恰相反。
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Rather than calling their home an asset, rich people think of it as a liability, Kiyosaki explains.
清崎解释道，富人们并不把房子看作是资产，而是认为房子是负担。
"I am not saying don't buy a house," he clarifies. "What I am saying is that you should understand the difference between an asset and a liability. When I want a bigger house, I first buy assets that will generate the cash flow to pay for the house."
“我并不是说不要买房。”他澄清道：“我要说的是，你应该要明白资产和负担之间的差别。当我希望一套更大的房子时，我首先购买能产生现金流的资产，用以支付这套房子。”
6.'I can have one or the other.'
我可以二选一
Rich people know that you can have it all. For that reason, they never say "either-or" — they say, and think, "both."
富人们知道你可以拥有全部。正因为如此，他们从来不说“只选其一”，他们说的和所想的是“都是”。
"Nowhere is 'both' thinking more important than when it comes to money," writes self-made millionaire T. Harv Eker in his book, "Secrets of the Millionaire Mind."
白手起家的百万富翁T·哈尔夫·艾科（T. Harv Eker）在他的书《百万富翁思维的秘密》里写道：“在金钱上，“都要”的思维是最重要的。”
"Poor and many middle-class people believe that they have to choose between money and the other aspects of life ... Rich people understand that with a little creativity you can almost always figure out a way to have the best of both worlds."
“穷人和许多中产人士认为他们必须在金钱和生活的其它方面作选择......富人们明白，只要用一些创造力，你几乎总是可以找到两全其美的方法。”
You don't have to choose between being rich or being happy, or being rich or spending time with your family. This mindset is limiting, or as Eker calls it: "poor programming."
你不必在富裕和快乐之间作选择，也不必在富裕和陪伴家人之间作选择。这种“二选一”的思维是有局限的，正是艾科所称的“糟糕的处理。”
"From now on, when confronted with an either/or alternative, the quintessential question to ask yourself is 'How can I have both?'" writes Eker. "This question will change your life. It will take you from a model of scarcity and limitation to a universe of possibilities and abundance."
“从现在开始，当面对二选一的选择时，最适合询问你只自己的问题是“我该怎样才能两者间的？”艾科携带：“这个问题将会改变你的生活，它将把你从牺牲和局限的模式带到充满机会和多姿多彩的世界。”
7.'I'll do it tomorrow.'
我明天再做
Hill calls procrastination one of the most common causes of failure: "Most of us go through life as failures, because we are waiting for the 'time to be right' to start doing something worthwhile. Do not wait. The time will never be 'just right,'" he writes in "Think and Grow Rich."
拿破仑·希尔认为拖延是大多数普通人失败的原因，在他的《思考致富》力写道：“我们中大部分人在平庸中度过，因为我们正在等待“最佳时机”去做那些有价值得事情。不要等待。时间从不会“正好合适”。”
If you want to build wealth, start today and use what tools you currently have. Pick up a personal finance book, listen to a podcast about money management, and form a financial plan.
如果你想要建立财富，就要现在开始并利用你当前拥有的一切工具。拿起一本个人理财书籍，收听一个关于金钱管理的播客，并制定一个理财计划。
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8.'Money doesn't matter.'
钱不重要
Rich people would say the exact opposite. The wealthiest people see money for all the good things it can provide — freedom, opportunity, possibility, and abundance — and are not afraid to admit that, logically, it can solve most problems.
富裕人士的看法恰恰相反。最有钱的人认为金钱能带来所有美好的东西——自由、机遇、可能性和富足。他们并不害怕承认这点，逻辑上来说，金钱能解决大部分的问题。
Meanwhile, the rest of us tend to view money with indifference, or as an enemy. "Most people have a dysfunctional, adversarial relationship with money," Siebold writes. "After all, we are taught that money is scarce — hard to earn and harder to keep."
与此同时，我们其他人往往对金钱漠不关心，或者视之为敌。“大多数人与金钱的关系是不正常的、敌对的。”西埃博德写道：“毕竟，教育告诉我们金钱是稀缺的，并且很难挣、很难留住。
However, there are times when money can buy the happiness — the rich recognize and admit this. Money matters.
然而，有钱人承认金钱在很多时候是可以买到幸福的。他们认为，金钱很重要。
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总结，要想变得富裕，这8句话不要挂在嘴边：
1. 'I hate my job.' 我讨厌我的工作
2.'I can't afford it.' 我买不起
3.'Rich people deserve to be wealthy (and I don't).' 富人们有钱是理所当然的（我不配）
4.'I'll never be rich.' 我永远不会变得富裕
5.'My house is my greatest asset. 我最大的资产是我的房子
6.'I can have one or the other.' 我可以二选一
7.'I'll do it tomorrow.' 我明天再做
8.'Money doesn't matter.' 钱不重要
一定不要说，这8句话会阻止你变得富裕
Your thoughts, actions, and even your choice of words could mean the difference between living a wealthy life and an average life
你的思想、行动，甚至你选择的语句可能意味着富裕生活和普通生活的差别
"If you spend time around the wealthy and the middle class, it's an eye-opening experience to hear the differences in how the two groups speak," writes Steve Siebold, a self-made millionaire who has studied over 1,200 rich people.
史蒂夫·西埃博德（Steve Siebold）是一位对1200名富人作过研究、白手起家的百万富翁，他写道：“如果你与富裕阶层和中产阶层的人都相处过的话，你会得到一个大开眼界的体验——两个群体的人的说话方式是如此的不同。”
"The middle class tends to be negative about money, and when it comes to earning a lot of it, most believe it's not possible for them."
“中产阶层在金钱方面倾向于消极，当谈及要挣很多钱时，他们大部分人会觉得不可能。”
Here are eight seemingly harmless things many of us say all the time that you wouldn't hear from the rich:
以下是无法从富裕阶层的人那里听到的，但我们一直在说的、似乎也没有什么不好的8句话；
1. 'I hate my job.'
我讨厌我的工作
Do what you love, or you will lack the energy to become truly successful and wealthy.
做你喜欢的工作，否则你将缺乏让你变得成功和富裕的能量。
"No man can succeed in a line of endeavor which he does not like," writes Napoleon Hill in his 1939 masterpiece, "Think and Grow Rich."
“没有人能在他不喜欢的领域里取得成功。”拿破·希尔在他1939年的著作《思考致富》上写道。
Nearly a century later, and this emphasis on passion and enthusiasm is just as — or even more — relevant. In a more recent study of over 1,200 of the world's wealthiest people, self-made millionaire Steve Siebold uncovered similar findings, which he details in his book, "How Rich People Think."
近一个世纪过去，这种对激情和热情的强调依然适用，甚至更加适用。最近，白手起家的百万富翁史蒂夫·西埃博德（Steve Siebold）对全球 最富有的1200多人进行了研究，得到了类似的发现，并在她他的书《富人是如何思考的》中作了详细的介绍。
"The rich know that passion is the real secret of getting rich," writes Siebold. "It's a cause and effect relationship between effort and passion, but while the masses see passion as the effect, the great ones see it as the cause. In other words, the average person goes to work every day and hopes to find passion in his or her efforts. The rich go to work every day feeling passion for what they do, and their passion fuels their efforts."
“富人们知道激情（热情）是变得富裕的真正秘密。”西埃博德写道：“努力和激情之间的关系是原因和影响的关系，但是众人把激情看作影响，有成就的人把激情看作原因。换句话来说，普通人每天去上班，希望找到他/她要努力的激情。富人们对他们所做的事情充满激情而每天去上班，他们的激情让他们更加努力。”
Rather than saying you hate your job, redirect that energy towards finding a job that you're enthused about. "The first belief you must adopt is that it's possible to do what you love and get rich doing it," writes Siebold.
与其在说你讨厌你的工作，不如把你的精力转向寻找一份你热爱的工作。“你首先要采取的第一天信念是，你可以去做你热爱的工作，在从事这份工作中变得富裕。”西埃博德写道。
2.'I can't afford it.'
我买不起
It's a seemingly harmless, but highly unproductive phrase.
这句话看似没有任何害处，但是一句毫无效益的句子。
"By automatically saying the words 'I can't afford it,' your brain stops working," writes Robert Kiyosaki in the personal finance classic, "Rich Dad Poor Dad." It lets you off the hook, and doesn't force you to problem solve your way to actually being able to afford whatever it is that you want. Rather than stating "I can't afford it," ask, "How can I afford it?"
“在自动地说'我买不起'，你的大脑就停止工作。”罗伯特·清崎在他的财经经典《富爸爸穷爸爸》里写道。这句话让你变得轻松，没有强迫你去解决问题、找到让你真正买得起你想要的东西的方法。与其说“我买不起”，不如问自己“我要如何能买得起。”
This doesn't mean you should buy everything, Kiyosaki emphasizes. The point is that you should constantly be exercising your mind, coming up with creative solutions, and thinking how can I make something happen, rather than I can't make this happen.
清崎强调道，这并不意味着你要买所有人东西。关键在于，你要不断地锻炼你的思维，想出创造性的解决方法，并思考“我公司如何做到”，而不是认为“我做不到”。
3.'Rich people deserve to be wealthy (and I don't).'
富人们有钱是理所当然的（我不配）
"There is a pervasive belief among the masses that tells them they don't have the right, nor are they good enough as human beings to ask, hope, or pray for prosperity beyond their basic needs," explains Siebold. "Who am I, they ask themselves, to become a millionaire? Who am I to live a lifestyle fit for a king?"
“大众普遍认为他们没有权利，也没有足够的能力去要求、希望或祈祷超过他们基本需要的财富。”西埃博德解释道：“他们自己问自己，我有资格成为百万富翁吗？我有资格过上国王般的生活吗？”
Meanwhile, he says, rich people ask, "Why not me?" They believe that success is natural — they believe that they deserve it.
他说：“与此同时，富人们则问'为什么不是我？'他们相信成功是天生的，他们本该有的。”
"Being rich isn't a privilege. Being rich is a right," explains Siebold. "If you create massive value for others, you have the right to be as rich as you want."
“成为富人并不是一种特权，而是一种权利。西埃博德解释道：“如果你为其他人创造大量的价值，你就有权获得你希望的财富。”
4.'I'll never be rich.'
我永远不会变得富裕
"Stop telling yourself that getting rich is outside of your control," Siebold writes. "The truth is that making money is an inside job."
“不要告诉自己变得富有是无法控制的。”西埃博德写道：“事实上赚钱是一种内在的工作。”
He says that rich people have an "action mentality" — they commit to attaining wealth, and don't stop until they achieve what they set out to achieve. It takes focus, courage, knowledge, and a lot of effort, but the most successful people are the ones who are always up for the challenge.
他说，富人们有一种“行动思维”，他们致力于获得财富并不断地为之努力，直到他们实现了他们的目标。这需要专注、勇气、知识，以及许多努力，但是最成功的人是那些永远乐于迎接挑战的人。
5.'My house is my greatest asset.'
我最大的资产是我的房子
Many people tend to regard their homes as an asset, but at the end of the day, owning a home is more of a liability — mortgage payments, property taxes, and repairs take money out of your pocket, the opposite of an asset.
许多人认为他们的房子是一种资产，但是归根结底，拥有一套房子更像是一种负担——房贷、房产税以及修缮，都需要你从口袋里掏钱，这与资产恰恰相反。
Rather than calling their home an asset, rich people think of it as a liability, Kiyosaki explains.
清崎解释道，富人们并不把房子看作是资产，而是认为房子是负担。
"I am not saying don't buy a house," he clarifies. "What I am saying is that you should understand the difference between an asset and a liability. When I want a bigger house, I first buy assets that will generate the cash flow to pay for the house."
“我并不是说不要买房。”他澄清道：“我要说的是，你应该要明白资产和负担之间的差别。当我希望一套更大的房子时，我首先购买能产生现金流的资产，用以支付这套房子。”
6.'I can have one or the other.'
我可以二选一
Rich people know that you can have it all. For that reason, they never say "either-or" — they say, and think, "both."
富人们知道你可以拥有全部。正因为如此，他们从来不说“只选其一”，他们说的和所想的是“都是”。
"Nowhere is 'both' thinking more important than when it comes to money," writes self-made millionaire T. Harv Eker in his book, "Secrets of the Millionaire Mind."
白手起家的百万富翁T·哈尔夫·艾科（T. Harv Eker）在他的书《百万富翁思维的秘密》里写道：“在金钱上，“都要”的思维是最重要的。”
"Poor and many middle-class people believe that they have to choose between money and the other aspects of life ... Rich people understand that with a little creativity you can almost always figure out a way to have the best of both worlds."
“穷人和许多中产人士认为他们必须在金钱和生活的其它方面作选择......富人们明白，只要用一些创造力，你几乎总是可以找到两全其美的方法。”
You don't have to choose between being rich or being happy, or being rich or spending time with your family. This mindset is limiting, or as Eker calls it: "poor programming."
你不必在富裕和快乐之间作选择，也不必在富裕和陪伴家人之间作选择。这种“二选一”的思维是有局限的，正是艾科所称的“糟糕的处理。”
"From now on, when confronted with an either/or alternative, the quintessential question to ask yourself is 'How can I have both?'" writes Eker. "This question will change your life. It will take you from a model of scarcity and limitation to a universe of possibilities and abundance."
“从现在开始，当面对二选一的选择时，最适合询问你只自己的问题是“我该怎样才能两者间的？”艾科携带：“这个问题将会改变你的生活，它将把你从牺牲和局限的模式带到充满机会和多姿多彩的世界。”
7.'I'll do it tomorrow.'
我明天再做
Hill calls procrastination one of the most common causes of failure: "Most of us go through life as failures, because we are waiting for the 'time to be right' to start doing something worthwhile. Do not wait. The time will never be 'just right,'" he writes in "Think and Grow Rich."
拿破仑·希尔认为拖延是大多数普通人失败的原因，在他的《思考致富》力写道：“我们中大部分人在平庸中度过，因为我们正在等待“最佳时机”去做那些有价值得事情。不要等待。时间从不会“正好合适”。”
If you want to build wealth, start today and use what tools you currently have. Pick up a personal finance book, listen to a podcast about money management, and form a financial plan.
如果你想要建立财富，就要现在开始并利用你当前拥有的一切工具。拿起一本个人理财书籍，收听一个关于金钱管理的播客，并制定一个理财计划。
钱不重要
Rich people would say the exact opposite. The wealthiest people see money for all the good things it can provide — freedom, opportunity, possibility, and abundance — and are not afraid to admit that, logically, it can solve most problems.
富裕人士的看法恰恰相反。最有钱的人认为金钱能带来所有美好的东西——自由、机遇、可能性和富足。他们并不害怕承认这点，逻辑上来说，金钱能解决大部分的问题。
Meanwhile, the rest of us tend to view money with indifference, or as an enemy. "Most people have a dysfunctional, adversarial relationship with money," Siebold writes. "After all, we are taught that money is scarce — hard to earn and harder to keep."
与此同时，我们其他人往往对金钱漠不关心，或者视之为敌。“大多数人与金钱的关系是不正常的、敌对的。”西埃博德写道：“毕竟，教育告诉我们金钱是稀缺的，并且很难挣、很难留住。
However, there are times when money can buy the happiness — the rich recognize and admit this. Money matters.
然而，有钱人承认金钱在很多时候是可以买到幸福的。他们认为，金钱很重要。
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总结，要想变得富裕，这8句话不要挂在嘴边：
1. 'I hate my job.' 我讨厌我的工作
2.'I can't afford it.' 我买不起
3.'Rich people deserve to be wealthy (and I don't).' 富人们有钱是理所当然的（我不配）
4.'I'll never be rich.' 我永远不会变得富裕
5.'My house is my greatest asset. 我最大的资产是我的房子
6.'I can have one or the other.' 我可以二选一
7.'I'll do it tomorrow.' 我明天再做
8.'Money doesn't matter.' 钱不重要