1.You only work hard, not smart.

    只用力气，不用脑子

Invest your money in the stock market or a retirement fund.

建议：把你的钱投资在股票证券市场或是退休基金

    把精力更多的花费在存钱，而不是挣钱上

 Increase your earnings, not just your savings.

增加你的收入，而不只是存款。

    总是买你买不起的东西

If you live above your means, you won't get rich.

如果你总是超出能力消费，你是永远变不成有钱人的。

    满足于稳定的薪水

Average people choose to get paid based on time — on a salary or hourly rate — while rich people choose to get paid based on results and are typically self-employed.

大多数人都习惯了拿稳定的薪水，然而大多数的富人却是靠自己的事业来挣钱的。

    你还没开始投资

One of the most effective ways to earn more money over time is investing it, and the earlier you start, the better.

还有另外一个有效挣钱的方法就是投资，开始得越早越好。

Start by investing in your retirement or a low-cost target-date fund, and you'll see huge returns in the long run.

开始投资退休基金，或者是其他低成本周期性基金，长此以往，你会看到巨大的回报的。

    你在追求别人的梦想——而不是自己的

If you want to be successful,you have to love what you do — that means determining and pursuing your passion.

如果你想获得成功，你必须喜爱自己的事业——这就意味着你必须下定决心追求自己所热爱的东西。

    你很少踏出舒适区

If you want to build wealth, be successful, or get ahead in life, you're going to have to get used to uncertainty or discomfort.

如果你想变得有钱，想成功，想成为生活中的佼佼者，你就必须习惯于不确定性和不舒适性。

    你没有金钱目标

If you want to build wealth, the process will be easier — and more enjoyable — if you have a clear, specific goal in place before forming a financial plan.

如果你想变成有钱人，过程其实很简单，而且还可以很享受——如果你在建立财务计划前就形成一个适当且具体清晰的目标。

    你总是先花钱，后存钱

 Set aside an hour a day of your income — in an emergency fund,or other savings account — and make the process automatic

把你收入的一部分存到应急基金，或者其他账户里，可以办成自动转账。

      你不相信自己可以变得富有

"The average person believes being rich is a privilege awarded only to lucky people,"Siebold wrote . "The truth is, you have every right to be rich if you're willing to create massive value for others."

Siebold说道，“大多数人都觉得变富是有些幸运儿的特权，但真相是只要你可以为别人创造巨大的价值，你也有变富的权利。”