If you’re not a millionaire, don’t give up hope that you will become one someday. Take note of the reasons you aren’t a millionaire and resolve to make changes that will make a million dollars obtainable, even for the average person.
如果你現(xiàn)在不是百萬(wàn)富翁，請(qǐng)不要放棄日后成為百萬(wàn)富翁的的希望。找一找一下自己沒(méi)成為百萬(wàn)富翁的原因，并下定決心做出改變。即便是對(duì)普通人而言，擁有百萬(wàn)美元也是有可能的。

1. You’re Not Your Own Boss
你不是自己的老板

Although there’s no guarantee that self-employment will earn you a million dollars, it’s really unlikely that working for someone else will get you there either. There are very few jobs that pay million dollar salaries.
雖然單干不能保證會(huì)讓你賺到百萬(wàn)美元，但為他人工作讓你賺到百萬(wàn)美元卻是不現(xiàn)實(shí)的。能靠薪水賺到百萬(wàn)美元的工作少之又少。

Don’t quit your day job tomorrow to launch a business, however. Instead, consider keeping your day job while you start a business on the side. You’ll have the security of your current salary along with an opportunity to create a business where you can earn extra cash.
但是，不要明天就辭職去創(chuàng)業(yè)。而是一邊上班，一邊考慮創(chuàng)業(yè)。你會(huì)在當(dāng)前薪水的保障下，擁有一個(gè)能賺外快的創(chuàng)業(yè)機(jī)會(huì)。

2. You Avoid Taking Risks
你避免承擔(dān)風(fēng)險(xiǎn)

People don’t become millionaires without taking any risks. Taking a risk doesn’t mean you need to invest all your money into a single investment or that you need to gamble earnings foolishly.
不承擔(dān)風(fēng)險(xiǎn)的人是不會(huì)成為百萬(wàn)富翁的。承擔(dān)風(fēng)險(xiǎn)不是指你要把所有的錢(qián)都投資到一個(gè)地方，或愚蠢地把薪水都賭上了。

However, taking calculated risks is often part of good money management. No one gets rich on the interest they earn from the bank. Instead, millionaires know how to invest their money wisely.
然而，承擔(dān)預(yù)期風(fēng)險(xiǎn)往往是良好資金管理的一部分。沒(méi)人能從銀行賺取利息而致富。而百萬(wàn)富翁則知道如何明智地投資。

3. You Never Act on Your Good Ideas
你從來(lái)沒(méi)去實(shí)現(xiàn)自己的好點(diǎn)子

It’s one thing to come up with million dollar ideas, but a completely different thing to act on them. If you are more a dreamer who never puts his money where his mouth is, you’ll never get rich. Millionaires don’t sit around and watch others advance in life. They take action to help them reach their goals.
想出百萬(wàn)美元的點(diǎn)子是一回事兒，去實(shí)現(xiàn)則是完全不同的另一件事兒。如果你更多的是夢(mèng)想家，只說(shuō)不做，那你是不會(huì)致富的。百萬(wàn)富翁不是坐在那里看著他人在生活中前進(jìn)。百萬(wàn)富翁會(huì)采取行動(dòng)幫助他們實(shí)現(xiàn)目標(biāo)。

4. You Don’t Manage Your Money Wisely
你不會(huì)明智地理財(cái)

The average person has the potential to become a millionaire in today’s world. Sound investments, a solid budget, and clear goals can mean that a person who earns an average salary can become a millionaire by retirement.
普通人在今天的世界上也有可能成為百萬(wàn)富翁。合理的投資、固定的預(yù)算、清晰的目標(biāo)能讓薪水很普通的人到退休時(shí)成為百萬(wàn)富翁。

If you don’t manage your money wisely now, however, it’s unlikely that you’ll be able to handle a million dollars with good sense. Establish a budget and create goals for yourself to help you save money now.
如果你現(xiàn)在不明智理財(cái)，那即便你有百萬(wàn)美元你也不可能好好管理。為自己建立預(yù)算并創(chuàng)建目標(biāo)能幫助你現(xiàn)在攢錢(qián)。

5. You Don’t Set Clear Goals for Yourself
你為自己設(shè)定的目標(biāo)不夠清晰

People who don’t have clear goals aren’t going to make smart money decisions. You need goals to help you save money and invest wisely.
沒(méi)有清晰目標(biāo)的人無(wú)法做出明智的理財(cái)決策。你需要目標(biāo)來(lái)幫你攢錢(qián)和明智地投資。

Create goals, such as getting out of debt or saving up for a vacation home. Creating goals will help you determine whether or not you should spend your money on other things that come up in the meantime. If you’re saving with a specific goal in mind, it’s much easier to say no to tempting opportunities to spend money.
創(chuàng)建目標(biāo)，例如還清債務(wù)或攢錢(qián)買(mǎi)度假屋。創(chuàng)建目標(biāo)會(huì)幫你決定在此期間，你是否該把錢(qián)花到其他事情上。如果你攢錢(qián)時(shí)頭腦中的目標(biāo)很具體，那抵制花錢(qián)的誘惑時(shí)要容易的多。

6. You Don’t Put in Enough Time, Effort, and Energy
你沒(méi)有投入足夠的時(shí)間、精力和能量

No one makes a million dollars by watching TV or sleeping 12 hours a night. Unless you’re lucky enough to win the lottery or inherit a windfall, becoming a millionaire takes hard work.
沒(méi)人能通過(guò)看電視或一晚上睡12個(gè)小時(shí)就能賺到百萬(wàn)美元。除非你夠幸運(yùn)中得了彩票，或得到一筆橫財(cái)。一般來(lái)說(shuō)，成為百萬(wàn)富翁需要努力工作。

Millionaires consider the time and energy they put into a project to be an investment. They understand they won’t get immediate results but are willing to put in the hard work it takes to see the fruits of their labor. Learn how to manage your time wisely so you can become more productive with your efforts.
百萬(wàn)富翁把投入到一個(gè)項(xiàng)目中的時(shí)間和精力看成是一項(xiàng)投資。他們明白不會(huì)立即得到回報(bào)，但是愿意努力工作來(lái)去品嘗他們工作的果實(shí)。學(xué)習(xí)如何明智地管理你的時(shí)間，這樣通過(guò)你的努力你可以變得更有成效。

7. You Aren’t Networking with the Right People
你沒(méi)有建立適當(dāng)?shù)年P(guān)系網(wǎng)絡(luò)

You won’t become successful in life if you spend time with lazy people who aren’t interested in managing their money wisely. However, if you surround yourself with energetic, successful people, it will rub off on you.
如果你和對(duì)明智理財(cái)毫無(wú)興趣的懶人呆在一起，你是不會(huì)成功的。但是，如果你周?chē)际蔷Τ渑娴某晒θ耸?，那你?huì)沾到他們光的。

Develop relationships with successful people in your community. Look for people who can mentor you in your efforts to manage your finances, invest wisely, or build a business. Spending time with others who share your goals can help fuel your passion and efforts to become a successful millionaire.
和你社區(qū)中的成功人士建立關(guān)系。尋找能指導(dǎo)你理財(cái)、明智投資或創(chuàng)業(yè)的人士。和你志同道合的人士在一起能燃燒你的激情并激勵(lì)你去努力，幫你成為成功的百萬(wàn)富翁。