68. Child, you must value investing and money management more than your parents.
68. 孩子，你一定要比你的父母更加重視投資理財才行
Precious advises to success - 31 secret codes
導向成功的金玉良言 --- 成功秘碼 31條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
Mastering investing and money management is the only insurance you have against poverty.
「真正的學會投資理財才是保證你，一輩子不貧窮的不貧窮保險。」
The aging of our global population will turn into a calamity of the century. Anyone caught without savings or knowledge of investing will live in poverty.
「全球人口老年化的問題，將帶來本世紀一個大災難，凡不懂理財，或沒有積蓄的老人，屆時將生活困苦。」
The senior population is increasing while the younger generation is growing smaller. On average, a young person will have to support four to six seniors. Can you imagine the stress on those young people in the future?
「老人增多，年輕人減少，僅憑一個年輕人的工作收入，卻要去支撐四至六個老人的生活費，你能想象將來年輕人的生活種壓力有多大嗎？」
Due to the shift in our demographic structure, the government will lose its ability to support retirees in the next twenty to thirty years. You must depend on yourself for your living expenses, not on the government. The most dependable support is your own savings and investments.
「由於人口結構的改變，往後廿、卅年，政府己無力去照顧老人的退休生活，你的老年生活費還是要靠自己，不能靠政府，只有靠自己的積蓄 ( 投資理財 )，才是最穩妥、最安全。」
Young man, you must value investing and money management even more than your parents.
「年輕人，你要比你的父母更加重視投資理財才行。」
Civilization will never backtrack. People’s financial demands are always growing. If you don’t know how to make more money, your living standards will have to drop. In order to not drop your living standards, you must learn to invest and manage your money.
「物質文明不可能走回頭路，人的花費也是愈來愈大，如果你不會賺錢，你的生活品質就會倒退了，為了不使生活品質倒退，你一定要學會投資理財。」
The most serious social problem we face is babies growing up, not being able to support themselves, their parents, or their family.
「新生兒長大之後，養不起自己，也養不起父母與家人，這是當今社會上最嚴重、最頭痛的問題。」
To cure the problem of babies growing up unable to support themselves or their parents and families, they must learn how to invest and manage money and not rely on government welfare.
「要解決新生兒長大之後，養不起自己，也養不起父母與家人的問題，這個問題的解決方法，只有一個，就是要靠自己學會投資理財，而不是期望依靠政府的救濟。」
Government welfare is an addiction. If you depend on it, then you can never live without it. It’s like drugs—once you get on it, you can never have financial independence. You will always need to live off of it.
「 政府的救濟金是一種有癮頭的藥、如果你依賴它你就一輩子離不開它，它就像毒品一樣，一旦你沾染上救濟金，你就難以經濟獨立，以後的生活費就全依靠它不可了。」
Those who can invest will grow richer. Those who can’t invest will only grow poorer.
「懂得投資理財的人，將來是愈來愈富，不懂得投資理財的人，將來是愈來愈窮。」
Those who can invest have no fear of the government running out of money. They are resistant to a bad economy.
「懂得投資理財的人，不怕政府沒有錢，他們可以有能力柢抗萬一政府沒有錢的問題。」
Investing and money management are as important as going to school. Knowing how to invest and manage money will give you riches and wealth for three generations to come.
「投資理財與上學唸書是同等重要的事，因為懂得正確的投資理財的方法，才能讓你錦上添花，富過三代。」
Mastering investing and money management is the only insurance you have against poverty.
「真正的學會投資理財，才是保證你一輩子不貧窮的不貧窮保險。」
Insurance companies can’t sell you an insurance against poverty. The only way to get it is for you to acquire the knowledge of investing and money management.
「想獲得不貧窮的不貧窮保險，不是靠保險公司賣保險給你，而是靠你自己努力好好學會投資理財。」
Your parents having money doesn’t guarantee that you’ll have money. You having money now doesn’t guarantee that you’ll have money your whole life. Having money your entire life doesn’t guarantee that your children will have money in their lives.
「父母有錢不保證你有錢。你有錢不保證你一輩子有錢。你一輩子有錢不保證你的子孫下一輩子也有錢。」
Leaving money to your children without teaching them the right method to invest and manage money is the most foolish way to pass on your wealth.
「只有把財富傳給子孫，而卻沒把投資理財的方法正確地傳給子孫，這樣傳富給子孫的做法是最愚蠢的。」
Learning to invest and manage money is more important than learning common knowledge. Getting good grades and a good job means you can only earn a set income. The income from your job stops the day you retire. Only when you know how to invest and manage money can you earn endlessly. Even after you retire, your money continues to work for you.
「學習投資理財比學習普通的知識還重要。會唸書、會上班，只能賺到上班的工錢，上班賺錢，最多只能賺到退休日為止。只有當你真正地學會投資理財之後，你才能一輩子的賺到錢，甚至在你退休日之後，你還能繼續的錢賺錢。」
Reasons that lead to investment failure are none other than ignorance, greed, and recklessness.
「投資會失敗的原因，除了無知、貪婪之外，就是自己的不小心。」
If someone says they can guarantee an ROI exceeding 12 percent, be careful in case that person is taking advantage of your weakness, beguiling you with greed.
「如果有人能保證你的投資報酬率可以高出12%以上，你就要特別提高警覺，免得有人利用你的弱點，讓你上了貪婪的當。」
When investing, you must abstain from greed and refrain from chasing high yields because when you are facing the lure of high yields, you may find it hard not to make mistakes.
「投資時切忌貪婪，切忌追求高利潤，因為人們在面對高利潤吸引時，很難守得住自己不犯錯。」
To manage money, you must first manage your debt. To invest money, you must first save money. To make money, you must first be educated. To keep your investment, then let go of your greed.
「要理財先理債。要投資先儲蓄。要賺錢先唸書。要守住投資就不要貪婪。」
Take caution in life, don’t easily get involved in lawsuits. Sometimes a single lawsuit can wipe you out.
「做人要謹慎，不要隨便與人結怨興訟，有時一個官司會吃掉你全部的財產。」
The first step in investing and managing money is to save. It’s an indispensable virtue.
「儲蓄是投資理財的第一步，節約儲蓄是必修的美德之一。」
Young man, your future living expenses will exceed that of your parents by more than twenty times. You must form a habit of saving and investing money. To ensure a comfortable life when you grow old, child, you must value investing and money management even more than your parents did.
「年輕人，你將來生活上的開支要超過你父母的開支幾十倍，所以你必須要養成節約儲蓄的好習慣，並且學會投資理財。為著你年老的生活有保障，孩子，你一要比你的父母更加重視投資理財才行。」
To ensure a comfortable life when you grow old, child, you must value investing and money management even more than your parents did.
「為著你年老的生活有保障，孩子，你一定要比你的父母更加重視投資理財才行。」
Real estate requires time to appreciate—time being the key component. The longer the time, the greater the appreciation. Therefore, the earlier you start to invest the better.
「房地產需要時間才能增值，這個時間是房價增值的發酵元素，時間愈長，房價的增值就會愈大，所以愈早學會投資愈好。」
If you have nothing to live off of in your old age, that means you didn’t learn to make sound investment and money management decisions while you were young, nor did you make proper retirement plans.
「年老時生活沒有依靠，就是你輕時沒有學好投資理財，也沒有及時的做好退休計劃。」
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