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有人曾经说过，如果让你列出10个最亲密的朋友和熟人，然后把你和他们的收入从少到多进行排序，那么你可能会发现自己处在中间位置。
Someoneoncesaidthatifyouweretomakealistofyour10closestfriendsandacquaintancesandorderyourearningsandtheirsfromsmallesttogreatest,you'dprobablyfindyourselfsomewherenearthemiddle.Allthatthismeansisthatwearesubtlyinfluencedbyourfriends,evenwhenwe'renotawareofit,especiallyinmattersofmoney.Beingsomewhereinthemiddleisprobablymorecomfortablefortheaverageperson.
有人曾经说过，如果让你列出10个最亲密的朋友和熟人，然后把你和他们的收入从少到多进行排序，那么你可能会发现自己处在中间位置。这说明的是，我们会受到友人们的潜移默化，尤其是在金钱方面，即便我们并不自知。对于一般人而言，排在中间或许感到更自在。
Ifyouarethatrarepersonatthehighendofthelist,thenyouprobablydon'tneedtoreadthisarticle.Ifyouarenot,thenfindoutwhat'sholdingyouback.Therearehundredsofpersonalfinancemythswhichareeithermisunderstood,takenoutofcontext,orjustplainincorrect.Hereareourtop25.
如果你是高高在上的那一个，或许你就不必读这篇文章了。如果不是，那就从中探寻是什么让你停步不前。在此例举出25大理财错误观念。
1.Idon'tdeservetoberich.
Whynot?Intuitionsuggeststhatnomatterwhichreligionyoufollow,therearepeoplewhoaresuccessfulandgottherebyhonestmeans.Whatiswrongwiththat?Believingthismythcripplesyourwillingnesstobeopentoopportunities.Keepinmindthatthegovernment,Medicare,andotherprogramsarenotgoingtotakecareofyouasmuchasyouthink.
我不配成为富人
为什么不配呢？直觉告诉人们，无论你信奉何种宗教，总有人获得成功而且是通过诚实手段。致富有什么不对的呢？相信这个误区，就会扭曲你迎接机遇的意愿。要记住，政府、医疗保障等等社会福利项目所能提供给你的，不会像你所想的那么多。
2.Richpeoplearescum.
Orgreedy,selfish,uncaring,orwhatever.It'sjustthatthescummyricharemoreplayedupinthemediabecauseitsellsnewspapers.Ofcourse,therichdidn'tgetthatwaybygivingawaytheirmoney.Atleastnotuntiltheyareultra-richlikeBillGates,WarrenBuffet,andotherswhohavedonatedtotheBill&MelindaGatesFoundation.Oneprincipleyoucouldlivebyisthis:youcan'thelpthepoorifyouareyourselfpoor.Idealismisromantic,butrealityismoresobering.Thisisavariationofthebeliefthat"moneyistherootofallevil."WhattheBiblereallysaysisthat"theloveofmoneyistherootofallevil"(Timothy6:10).Thesearetwowhollydifferentthings,butthemisinterpretationcausessomepeople,evenwholesocieties,toshunmoney.Becomewealthy,thenstartyourownprosperityprojectandgiveawaywealthtogoodcausesofyourchoosing.
富人都是垃圾
或者贪得无厌、自私自利、冷漠无情，诸如此类。事实上，那些垃圾富人在媒体上被渲染得比较多，是因为这样一来报纸好卖。当然，他们并不是靠给钱才做到这一点的。至少在他们成为比尔·盖茨、沃伦·巴菲特、以及其他比尔－梅琳达盖茨基金会的捐赠者这样的超级富豪之前不是。你可以遵从的一条原则是：穷帮不了穷。理想主义固然浪漫，但现实更为理智。"钱是万恶之源"之类的说法有种种版本。但圣经里真正说的是"爱财是万恶之源"。这是两个截然不同的观念，但错误的解读造成某些人、甚至整个社会对金钱避之不及。富裕起来，开展你自己的幸福计划，把财富捐献给你选择的慈善事业。
3.YouhavetohaveXdollarstobewealthy.
Wealthyiswhatyouthinkitisforyou.Don'ttrytokeepupwiththeJoneses.Keepthingssimple.CNNMoneyhas10rulesforbuildingwealth.[viaLifeHack]Keyisstartingearly,oratleaststartingnow.Compoundinteresttakescareofsomeofthegrowth,butifyouarenotkeepingupwithinflation,thenyouarenotbuildingwealth.
很多钱才能致富
富裕的标准因人而异。不要跟人攀比。让事情简单一些。可以参考CNNMoney文章--10RulesforBuildingWealth。关键是要尽早起步，至少从现在开始。利滚利能令财富实现一些增长，但如果你跟不上通货膨胀的形势，就积累不了财富。
4.Thosewithobviousmaterialwealthmustberich.
Experiencesuggestswehumansgetjealousorresentfulforsomanyreasons,andwitnessingsomeone'smaterialwealthisoftenoneofthem.Butdon'tbesosurethattheneighborwithallthecoolATVs,skidoos,swimmingpool,andlatestcarisactuallywealthy(hasliquidassets),orevenhappy.He/Shecouldbedeepindebttomaintainthefacade.
物质光鲜的人是富人
经验表明，人出于许多原因会嫉妒或者忿忿不平，目睹别人的物质财富通常是原因之一。不过别那么肯定地以为，你那调频电视、雪地摩托、游泳池、最新款汽车......应有尽有的邻居很富有（拥有流动资产），甚至快乐。他/她为了撑起门面，可能正债台高筑。
5.Moneymakesyouhappy.Moneymakesyouunhappy.
Wellwhichisit?Moneydoesnothavethepowerinandofitselftomakeyouhappyorunhappy.Therearehappypoorpeopleandmiserablerichpeople.Moremoneydoeshelpwiththebills,providedyouknowhowtomanageyourwealth.Butpeoplewithmoremoneycanalsospendmorethannecessaryandactuallyendupwithless.ReadthismoneysermonbyCotyPinckneyforabitofinsight.
钱让人快乐、钱让人不快乐
到底是那一个呢？钱本身其实并没有那么大的能耐让你快乐或者不快乐。有快乐的穷人，也有郁郁寡欢的富人。钱越多确实能应付账单，前提是你懂得如何管理财富。但比较有钱的人也会有不必要的开支，到最后实际上财富减少了。参阅CotyPinckney的MoneySermon这篇文章，获取一些真知灼见。
6.There'sonlysomuchmoneyintheworld.
Thereisn'tenoughintheworldforeveryonetobewealthy.Thiscouldn'tbefartherfromthetruth.Honesteconomists-yes,therearesome-havesaidthatthereismorethanenoughmoneyintheworldforeverysinglehumanbeingtolivecomfortably.SomepeoplealsobelievethattheInternetisthegreatlevellerthatwillhelpredistributeatleastsomeoftheworld'swealth,forthosepioneerswhoparticipate.
钱是赚不完的
世界上没有足够的钱让每个人都富裕。这一点几乎是真相。诚实的经济学家（确实有那么一些）说，这世界上钱绰绰有余，可以让每个人都活得自在。有些人还相信，互联网对于那些参与其中的先驱者而言，就是一个均衡财富的工具，至少能够重新分配部分财富。
7.Becomingrichishardwork.
Itcanbeeasierthanyou'vebeentold.Dr.MarshaSinetar'sbookDoWhatYouLove,TheMoneyWillFollowisoneofthebestguidesforanorganicapproachtowealth.Italsodoesnothavetobelinearlydependentonyourearnings.Itdoesnotmeanyoudon'thavetoworkhardandsmartatitatfirst,butitdoesn'thavetobe"hard"inthesensethatit'snotenjoyable.Andeventually,itgetseasiertobuildyourwealth-onceyou'vemadeyourmistakes.
致富艰辛
可以比你听说的要简单。Dr.MarshaSinetar著写的DoWhatYouLove,TheMoneyWillFollow就是一个实现"自体成长型富裕之道"的最佳指引。不一定要同你的收入挂钩。也并不是说你不必努力工作并精于此道，只是说你不必在体会不到乐趣的事情上卖力气。最终，财富积累变得越来越容易--一旦你犯下错误之后。
8.Workinghardandsavingyourmoneymakesyourich.
Thesearecomponentsofbecomingwealthy,butnotbythemselvessufficient.Savingislinear;investingincreasesyourwealth.Jesussaidto"multiplytalents."Thishasbeeninterpretedtomeanthatyoushouldmultiplyyourwealth.Domorethansave.Startbyhavingasmallsumautomaticallydeductedfromyourpaycheckeachpayperiodanddepositedintoa401(K)orRothIRA.
努力工作积蓄收入致富
致富有很多因素，但靠这些因素自己发挥作用是不够的。储蓄是线性的，投资才能增加财富。别只是一味储蓄。开始从你的工资卡定期自动划出一小笔资金，存入401(K）或RothIRA（译者注：退休金帐户）。
9.Earninglotsofmoneymakesyourich.
Onlyifyouactuallysaveandinvestit.Ifyouspenditall,likesomehigh-earningindividuals,thenyouarenotrich.Wealthisdefinedbyliquidassetsandinvestments,nothowmuchyouearnfromajob.Infact,peoplewhoearnmoremoneybuthavenoplanfortheso-calleddisposableincomeendupdoingjustthat-disposingincome.Somedoitoutofguiltofhaving"morethannecessary",othersbecausetheyfeeltheyoweittothemselvesto"havesomethingnice",andstillothersto"keepupwiththeJoneses".
赚大钱致富
只有在你真正存下来并且用作投资。如果像某些高收入者那样挥霍一空，那就并没有致富。富不富裕是由流动资产和投资来界定的，而不是你工作收入有多少。那些挣钱较多但没有可支配收入计划的人，到头来只是在消耗收入。
10.Pinchingpenniesisthewaytowealth.
Hardly.Whatthisreallydoesissetupanemotionalenivronmentoflack,causingyoutomissoutonopportunitiestogainwealthbecauseyoubecomefocusedoneverylittlepenny.Infact,penny-pinchingisactuallyonecommoncatalystofdivorce.
节俭致富
几乎不可能。过于节俭只能让你陷入一种不够用的心态，让你错过获得财富的机遇，因为你的注意力都放在了每一分钱上。抠门还是造成婚姻破裂的一个常见的催化剂。
个人理财的10个错误观点[英汉对照]