Don't Lose Money!別損失了錢!!
By: Brian Tracy博恩崔西

Throughout the history of American enterprise, you've heard the words, "work hard and save your money." Work hard and save your money. It is the oldest rule for success in America. It's so important, as a matter of fact, that W. Clement Stone once said, “if you cannot save money, then the seeds of greatness are not in you.”
縱觀美國的企業,你會發現一句道理"努力工作並存下你的錢".這個道理就是成功的最古老原則.這很重要,事實上,美國聯合保險公司的創辦人克萊蒙‧史東曾說,如果你無法儲蓄,就是你沒有偉大的種子.


Saving Is a Discipline儲蓄是紀律
Why is it that saving money is so important? Because saving money is a discipline and any discipline affects all other disciplines in your life. If you do not have the discipline to refrain from spending all the money that you earn, then you are not qualified to become wealthy and if you do become wealthy, you'll not be capable of holding on to it.
為什麼儲蓄是那麼的重要?因為存錢是一個紀律,而任何一個紀律都與其它你生命的紀律是相連互動的.如果你沒有節制的花掉所賺到的錢,那麼你就沒有資格變得富有,或是你不會有能力留住你手上的金錢.

The Law of Attraction吸引力定律
A principle with regard to saving your money is the law of attraction. The law of attraction is activated by saved money. Even one dollar saved will start to attract more money. Here's what I suggest that you do. If you're really serious about your future, go down and open a savings account. Put as much money as you can into it, even if it's only ten dollars. And then begin to collect little bits of money, and every week go down and put something into that account.
你愈存錢,就愈有錢,然後吸引更多到你的儲蓄帳戶,這就是引吸力定律.而這個定律只會被開始存錢所啟動.即使是存了一塊錢,也會開始吸引更多的錢.我想你是可以這麼做的.如果你為了你的未來著想,那立刻到銀行去開一個儲蓄帳戶.儘可能放多一點錢在自己的帳戶裡,甚至只有美金十元也可以.接下來一點點一點的存下錢,然後每週都這麼做.

Attract More Money Into Your Life 吸引更多的財富到自己的生命中
You will find that the more you put in that account, the more you will attract from sources that you cannot now predict. But if you do not begin the savings process, if you don't begin putting something away towards your financial independence, then nothing will happen to you. The law of attraction just simply won't work.
你會發現,當你放愈多錢到你的帳戶裡,你就會吸引到更多的錢,它們來自你從沒想過的來源.但如果你都沒有開始存錢,也就是你不朝著經濟獨立的方向前進,那你就不會有錢也不會經濟獨立.而吸引力定律就不會在你身上發生作用.

Invest Your Money Conservatively小心謹慎的投資
Once you begin to accumulate money, here's another rule. Invest the money conservatively. Marvin Davis, self-made billionaire, was asked by Forbes Magazine, “How do you account for your financial success?” And he said, “Well, I have two rules for financial investing.” He said, “Rule number one is, don't lose money.” He said, whenever I'm tempted, whenever I see an opportunity to invest where there's a possibility I could lose it all, I just simply refrain from putting the money in. Rule number two is, whenever I get tempted, I refer back to rule number one. Don't lose money.
一旦你開始累積財富,請注意另一個定律.就是小心謹慎的投資.馬文戴維斯,白手起定的億萬富翁,在富比士財富雜誌的專訪中,被問到"你如何定義你財務上的成功?"他說"好的,我有兩個投資上的原則"."第一個原則,不要損失任何一塊錢",無論我對某種投資多麼的有興趣或是看到有投資獲利的機會時,我也可能全盤賠光,我就會克制自己把錢投入這個投資裡.第二項原則是,我一旦對投資很有興趣時,我就要回去遵守第一項原則.不要損失任何一塊錢.

Get Rich Slowly 慢慢的變富有
George Classon says, in The Richest Man In Babylon, that the key is to accumulate your funds and then invest them very conservatively. One of the characteristics of self-made millionaires, one of the characteristics of old money in America is that it's very cautiously, conservatively and prudently invested.

Don't try to get rich quickly. Concentrate rather on getting rich slowly. If all you do is save ten percent of your earnings, put it away, and let it accumulate at compound interest, that alone will make you wealthy.
巴比倫最富有的人,喬治克萊森說,關鍵是累積你的資金然後小心的投資.所有百萬富翁都有一個共通的特質,就是他們小心的投資,謹慎的投資,精明的投資.
千萬不要想要快速的致富.要快速致富不如專注在慢慢致富.如果你存下你百分之十的收入,然後不去動用它,讓它藉由利息不斷的累積,光是這樣作就會令你富有.

Action Exercises 行動練習
Here are two things you can do to apply these lessons to your financial life:
以下有兩個你可以應用在你的財務上,
First, open a separate savings and investing account today. From this day forward, put every single dollar you can spare into this account and resolve to never touch it or spend it for any reason.
第一點,開設一個獨立的帳戶和一個投資用的帳戶.就從那一天起,儘可能的存下每一塊省下的錢,存進這個帳戶,不管發生任何事都不可以動用.
Second, whenever you consider any investment of your savings, remember the rule, “Don’t lose money!” It is better to keep the money working at a low rate of interest than to take the chance of losing it. Be careful. A fool and his money are soon parted.
第二點,不管你想要用你帳戶裡的錢去投資什麼,記得這個"不要損失任何一塊錢"的原則,因為低利息的存著比損失金錢來得好,所以不要冒險去損失任何一塊錢.小心這一點.笨蛋總是讓他的錢離開他.

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