有錢人想的和你不一樣》是本很棒的書,作者哈福.艾克也透過自己的部落格持續分享有錢人的觀成給大家。為了讓自己持續保持有錢人的思維,我將他部落格的文章翻譯提醒自己的記錄

標題:金錢不是答案 (Money is Not the  Answer)

這句話來自一個全心全意相信金錢會帶來好處的人聽起來是諷剌的。忘掉擺脫債務、忘掉支付帳單、忘掉買好的東西等。這些是很棒的,但到最後你不會打算關心你的信用評等。

我想錢在那個時刻是你思緒中存留最後的事情。

錢可以減輕生活的壓力,但假如沒有更多的憂慮,錢也只能做到減輕壓力而已。我經歷過累積及失去金錢的整個過程,賺到更多的錢然後又再度失去金錢。錢並沒有在我的口袋中燒出洞來而讓我沒錢,我會失去錢是因為我口袋有個大洞而我沒有去把洞縫起來,這個洞代表我的心智藍圖裡的認知讓我得到又失去金錢,而金錢本身是沒有任何對錯的。

另一方面,沒有錢的人常常想著假如有足夠的錢就可以完成這個做那個,事情也就會變的更好了。也許那是真的,不過當心裡想的都是只有「假如我…」的時候會發生什麼事?你將會完全得到…”就只有假如

如果我能夠如何如何事情就會成真了

在你這樣想的瞬間當然什麼事也不會發生,你甚致也不知道或不記得你建立了什麼規則。在生意裡這樣的想法通常被解讀成一個現象:讓錢賺到錢。不!假如你有錢你當然可以滾出更多的錢,但那不是因為錢賺到更多的錢,是因為有創意才賺到更多錢的!

嘗試用錢去解決一個問題那將會是場災難!在生意裡面不會有錢本身的問題,問題是來自某些其它方面。你希望的是解決問題的根本,可是假如你把錢丟到那些問題裡面,嘗試用錢來解決問題,你這輩子將發生重覆的問題最後還是沒有錢。解決問題的答案是來自創意跟知識,錢本身並不是答案。

世界上有人會怪罪金錢也是不合邏輯的。很明顯有人有錢也貪婪,但也有窮人是貪婪的,也有中產階級的人是貪婪的。大方的人也有是有錢人、沒錢的人與一般收入的人。有錢、沒錢、一般收入的人也有同時大方又貪婪的,觀看這些人在特定時間時所經歷過的壓力。

說有錢人是貪婪的就如同說窮人是懶惰的一樣不公平。我遇到很多努力埋首工作的沒錢的人只是因為還沒有從努力工作轉換成聰明的工作,而不是只有辛苦努力。

假如金錢不是導致所有錯誤的原因,那它也就不能治癒這個錯誤,金錢並不是答案,它是我們延伸出來的果實。我們的選擇將決定我們成為什麼,結果並不會是來自金錢本身。

 

原文內容:

That’s got to sound ironic coming from someone who believes whole-heartedly in the benefits of being rich. Forget about getting out of debt, paying bills, buying nice things, etc. That stuff’s great, but at the end of it all you’re not going to give a damn about your credit rating. Money’s the last thing on your mind in that moment, I would imagine.

Money can reduce the stress of living, but it can bring just as much if not more anxiety. I’ve gone through my cycles of accumulating and losing money, getting more and losing it again. The money wasn’t burning a hole in my pocket. I just had a big hole in my pocket and didn’t bother to sew it up. That hole represented something in my mental blueprint that kept me from being stable with money. There was nothing wrong with the money.

On the other hand, people without money often think if they just had enough to do this or that, then things would be better. While that may be true, what happens when the mind goes into ‘Only if …’ consistently? That’s exactly what you get … ‘only if.’

‘This will only happen if…’

All of a sudden nothing’s happening and you don’t even know or remember that rule you created. In business that thinking often translates into “It takes money to make money.” No! If you have money it can certainly grow more money, but it doesn’t take money to make money. It takes creativity to make money.

Throwing money at a problem is disaster! In business there’s no such thing as a money problem. That problem grew out of somewhere else. You want to fix the root of the problem. If you throw money at a business problem, you’ll have the same business problem for the rest of your life and no money. Creativity and knowledge are the answers, not money.

It’s also not logical to blame money for people’s shortcomings, or the world’s for that matter. Obviously there are people that are rich and greedy, but there are poor people who are greedy and there are middle class people who are greedy. There are rich, poor, and middle-class people who are generous. There are rich, poor and average income people who can be both generous and greedy, depending on the stress they’re going through at any given time.

To say rich people are greedy as a blanket statement is just as unfair as saying poor people are lazy. I’ve met many a hard-working poor person who just hadn’t yet turned the corner on working smarter instead of just harder.

Money can’t be the root of all evil. Envy, jealousy, and greed—all based on fear of not having or getting enough of something we want—pre-dated currency (think about the story of Cain and Able). It’s a part of what it means for us to be human.

If money isn’t the cause of all that’s wrong, it’s not going to be the cure either. It’s not the answer. It’s the fruit of our expansion—or lack thereof—beyond ourselves and of the impact we’re having on the world. What we choose to do with that is a result of who we choose to be, not because of money.

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