不做有才气的穷光蛋

The world is filled with smart, talented, educated and giftedpeople. We meet them every day. A few days ago, my car was not running well. I pulled it into a garage, and the young mechanic had it fixed in just a few minutes. He knew what was wrong by simply listening to the engine. I was amazed. The sad truth is, great talent is not enough.

全世界满坑满谷全是聪明能干、博学多才、学富五车及其具有技能的人，大家每日都是会看到她们。几日前，我的轿车运行不灵敏了。我将它开入修理厂，一位年青的机械设备工只消十多分钟就把它修完了。他光凭聆听柴油发动机的响声就能明确哪里有毛病，这要我惊奇不已。殊不知缺憾的是，光有不凡才气是不足的。

I am constantly shocked at how little talented people earn. I heard the other day that less than 5 percent of Americans earn more than $100,000 a year. A business consultant who specializes in the medical trade was telling me how many doctors, dentists and chiropractors struggle financially. All this time, I thought that when they graduated, the dollars would pour in. It was this business consultant who gave me the phrase, “They are one skill away from great wealth.” What this phrase means is that most people need only to learn and master one more skill and their income would jump exponentially. I have mentioned before that financial intelligence is a synergy of accounting, investing, marketing and law. Combine those four technical skills and making money with money is easier. When it comes to money, the only skill most people know is to work hard.

我经常惊讶，为什么有才气的人却仅有甚少的收益。前几日想听人说，仅有不上5%的外国人年*在10万美元之上。一位熟练药物貿易的商务接待咨询顾问以前跟我说，有很多医师、牙科医生和按摩师穷困潦倒。之前我你以为她们一大学毕业，福财便会绵绵不绝。这名商务接待咨询顾问告知了我一句话：“离发横财，她们还差一项专业技能。”这句话的意思是说，绝大多数人还需多学习培训并把握一项专业技能，她们的收益才可以呈指数值倍提高。之前我提及过，财商教育是财务会计、项目投资、网络营销和法律法规层面的工作能力综合性。将所述四种专业能力融合起來，以钱赚钱便会更非常容易。说到钱，绝大多数人孰知的**专业技能便是拼了命工作中。

When I graduated from the U.S. Merchant Marine Academy in 1969, my educated dad was happy. Standard Oil of California had hired me for its oil-tanker fleet. I had a great career ahead of me, yet I resigned after six months with the company and joined the Marine Corps to learn how to fly. My educated dad was devastated. Rich dad congratulated me.

1969年，我在英国 国际海运 学校毕业。我那有见识的父亲十分高兴，由于美国加州的标准石油企业录取我替它的货轮队工作中。虽然未来的我前途无量，但我还是在6个月后离职离开这个企业，添加特种部队去学习航行。对于此事我那有见识的父亲十分难过，而富爸爸则庆贺我作出的决策。

Job security meant everything to my educated dad. Learning meant everything to my rich dad. Educated dad thought I went to school to learn to be a ship's officer. Rich dad knew that I went to school to study international trade. So as a student, I made cargo runs, navigating large freighters, oil tankers and passenger ships to the Far East and the South Pacific. While most of my classmates, including Mike, were partying at their fraternity houses, I was studying trade, people and cultures in Japan, Thailand, Singapore, Hong Kong, Vietnam, Korea and the Philippines. I also was partying, but it was not in any frat house. I grew up rapidly.

针对有见识的父亲而言，好的工作便是一切。而针对富爸爸而言，学习培训才算是一切。有见识的父亲认为我念书是为了更好地做一名舰长，而富爸爸搞清楚我念书是为了更好地学习培训 进出口贸易 。因而，在做学员时，我跑过货运物流、为前去远东及南太平洋的大中型货船、货轮和客轮导航栏。当我们的绝大多数同学，包含乔治，在她们的联欢会大会堂举行晚会节目的情况下，我正在日本、泰国的、马来西亚、*香港、越南地区、韩和泰国学习培训貿易、人际交往及文化。因为我报名参加晚会节目，但没去一切联欢会，我快速地完善起来了。

There is an old cliché that goes, “Job is an acronym for 'Just Over Broke.‘” And unfortunately, I would say that the saying applies to millions of people. Because school does not think financial intelligence is intelligence, most workers “live within their means.” They work and they pay the bills. Instead I recommend to young people to seek work for what they will learn, more than what they will earn. Look down the road at what skills they want to acquire before choosing a specific profession and before getting trapped in the “Rat Race”。 Once people are trapped in the lifelong process of bill paying, they become like those little hamsters running around in those little metal wheels.Their little furry legs are spinningfuriously, the wheel is turning furiously, but come tomorrow morning, they'll still be in the same cage: great job.

俗话说得好，“工作中(job)便是’比倒闭强一点(Just Over Broke)‘的简称”。殊不知悲剧的是，这句话的确适用百千万人，由于院校沒有把财商教育当作是一种智谋，绝大多数职工都“适度原则”：干活儿赚钱，付款信用卡账单。反过来，我劝诫年青人在寻 找个工作 时要看一下能从初中到哪些，而不是只看能赚到是多少。在挑选某类特殊岗位以前或者深陷 “老鼠赛跑(猛烈的市场竞争)”以前，要好好地估量自身究竟*须获得什么专业技能。一旦大家为付款信用卡账单而一天到晚四处奔波，就和这些在小钢轮里不断飞奔转圈圈的小耗子一样了。耗子的细毛腿跑得很快，小钢轮也转得很快，可到第二天早晨，她们察觉自己仍然困在同一个老鼠笼里，那便是：关键的工作中。

When I ask the classes I teach, “How many of you can cook a better hamburger than McDonald's?”， almost all the students raise their hands. I then ask, “So if most of you can cook a better hamburger, how come McDonald's makes more money than you?” The answer is obvious: McDonald's is excellent at business systems. The reason so manytalented people are poor is because they focus on building a better hamburger and know little or nothing about business systems. The world is filled with talented poor people. All too often, they're poor or struggle financially or earn less than they are capable of, not because of what they know but because of what they do not know. They focus on perfecting their skills at building a better hamburger rather than the skills of selling and delivering the hamburger.

当我还在自身专家教授的班集体上问起“大家之中有几个做的汉堡比得上肯德基麦当劳更强”时，基本上全部的学员都抬起了手。我然后问，“假如大家之中绝大多数人都能作出比肯德基麦当劳更强的汉堡，那为何肯德基麦当劳比大家更能赚钱?” 回答是不言而喻的：肯德基麦当劳有着一套优异的经营管理体系。很多博学多才的人往往贫困的缘故，便是由于她们仅仅专心致志于做更强的汉堡，而对经营管理体系基本上一无所知。全世界到处都是有才气的穷光蛋。在许多状况下，她们往往贫困、穷困潦倒或是收益两者之间工作能力不相符合，并不是由于她们已经知道的物品只是由于她们不明的物品。她们只将注意力集中在提升和健全做汉堡包的技术性上，却不留意提升相关汉堡的市场销售和配送专业技能。