勵(lì)志，即是喚醒一個(gè)人的內(nèi)在創(chuàng)造力。惟有從內(nèi)心深處展開的力量，用心靈體驗(yàn)總結(jié)出的精華，才是一個(gè)人真正獲得尊嚴(yán)和自信的途徑。

　　不做有才華的窮人

　　The world is filled with smart, talented, educated and gifted people. We meet them every day. A few days ago, my car was not running well. I pulled it into a garage, and the young mechanic had it fixed in just a few minutes. He knew what was wrong by simply listening to the engine. I was amazed. The sad truth is, great talent is not enough.

　　世界上滿坑滿谷都是精明能干、才華橫溢、學(xué)富五車以及極具天賦之人，我們每天都會(huì)見到他們。幾天前，我的汽車運(yùn)轉(zhuǎn)不靈了。我把它開進(jìn)維修廠，一位年輕的機(jī)械工只消幾分鐘就把它修好了。他僅憑傾聽發(fā)動(dòng)機(jī)的聲音就能確定哪兒有毛病，這讓我驚奇不已。然而遺憾的是，光有非凡才華是不夠的。

　　I am constantly shocked at how little talented people earn. I heard the other day that less than 5 percent of Americans earn more than 0,000 a year. A business consultant who specializes in1 the medical trade was telling me how many doctors, dentists and chiropractors2 struggle financially. All this time, I thought that when they graduated, the dollars would pour in. It was this business consultant who gave me the phrase, “They are one skill away from great wealth.” What this phrase means is that most people need only to learn and master one more skill and their income would jump exponentially3. I have mentioned before that financial intelligence is a synergy4 of accounting, investing, marketing and law. Combine those four technical skills and making money with money is easier. When it comes to money, the only skill most people know is to work hard.

　　我常常吃驚，為什么有才華的人卻只有微薄的收入。前幾天我聽人說，只有不到5%的美國(guó)人年收入在10萬美元以上。一位精通藥品貿(mào)易的商務(wù)顧問曾經(jīng)告訴我，有許多醫(yī)生、牙醫(yī)和按摩師生活拮據(jù)。以前我總以為他們一畢業(yè)，財(cái)源便會(huì)滾滾而來。這位商務(wù)顧問告訴了我一句話：“離發(fā)大財(cái)，他們還差一項(xiàng)技能。”這句話的意思是說，大部分人還需多學(xué)習(xí)并掌握一項(xiàng)技能，他們的收入才能呈指數(shù)倍增長(zhǎng)。以前我提到過，財(cái)商是會(huì)計(jì)、投資、市場(chǎng)營(yíng)銷和法律方面的能力綜合。將上述四種專業(yè)技能結(jié)合起來，以錢生錢就會(huì)更容易。說到錢，大部分人所知的唯一技能就是拼命工作。

　　When I graduated from the U.S. Merchant Marine Academy in 1969, my educated dad was happy. Standard Oil of California had hired me for its oil-tanker fleet. I had a great career ahead of me, yet I resigned5 after six months with the company and joined the Marine Corps to learn how to fly. My educated dad was devastated. Rich dad congratulated me.

　　1969年，我從美國(guó)海運(yùn)學(xué)院畢業(yè)了。我那有學(xué)識(shí)的爸爸十分高興，因?yàn)榧又輼?biāo)準(zhǔn)石油公司錄用我為它的油輪隊(duì)工作。盡管我的未來前程遠(yuǎn)大，但我還是在6個(gè)月后辭職離開了這家公司，加入海軍陸戰(zhàn)隊(duì)去學(xué)習(xí)飛行。對(duì)此我那有學(xué)識(shí)的爸爸非常傷心，而富爸爸則祝賀我做出的決定。

　　Job security meant everything to my educated dad. Learning meant everything to my rich dad. Educated dad thought I went to school to learn to be a ship's officer. Rich dad knew that I went to school to study international trade. So as a student, I made cargo runs, navigating6 large freighters7, oil tankers and passenger ships to the Far East and the South Pacific. While most of my classmates, including Mike, were partying at their fraternity8 houses, I was studying trade, people and cultures in Japan, Thailand, Singapore, Hong Kong, Vietnam, Korea and the Philippines. I also was partying, but it was not in any frat house. I grew up rapidly.

　　對(duì)于有學(xué)識(shí)的爸爸來說，穩(wěn)定的工作就是一切。而對(duì)于富爸爸來說，學(xué)習(xí)才是一切。有學(xué)識(shí)的爸爸以為我上學(xué)是為了做一名船長(zhǎng)，而富爸爸明白我上學(xué)是為了學(xué)習(xí)國(guó)際貿(mào)易。因此，在做學(xué)生時(shí)，我跑過貨運(yùn)、為前往遠(yuǎn)東及南太平洋的大型貨輪、油輪和客輪導(dǎo)航。當(dāng)我的大部分同班同學(xué)，包括邁克，在他們的聯(lián)誼會(huì)會(huì)堂舉辦晚會(huì)的時(shí)候，我正在日本、泰國(guó)、新加坡、中國(guó)香港、越南、韓國(guó)和菲律賓學(xué)習(xí)貿(mào)易、人際關(guān)系和文化。我也參加晚會(huì)，但不去任何聯(lián)誼會(huì)，我迅速地成熟起來了。

　　There is an old cliché that goes, “Job is an acronym9 for 'Just Over Broke.'” And unfortunately, I would say that the saying applies to millions of people. Because school does not think financial intelligence is intelligence, most workers “live within their means10.” They work and they pay the bills. Instead I recommend to young people to seek work for what they will learn, more than what they will earn. Look down the road at what skills they want to acquire before choosing a specific profession and before getting trapped in the “Rat Race11”. Once people are trapped in the lifelong process of bill paying, they become like those little hamsters12 running around in those little metal wheels.

　　常言道，“工作(job)就是‘比破產(chǎn)強(qiáng)一點(diǎn)(Just Over Broke)’的縮寫”。然而不幸的是，這句話確實(shí)適用于千百萬人，因?yàn)閷W(xué)校沒有把財(cái)商看作是一種才智，大部分工人都“量入為出”：干活掙錢，支付賬單。相反，我勸告年輕人在尋找工作時(shí)要看看能從中學(xué)到什么，而不是只看能掙到多少。在選擇某種特定職業(yè)之前或是陷入 “老鼠賽跑(激烈的競(jìng)爭(zhēng))”之前，要好好掂量自己到底需要獲得什么技能。一旦人們?yōu)橹Ц顿~單而整天疲于奔命，就和那些在小鐵輪里不停奔跑轉(zhuǎn)圈的小老鼠一樣了。

　　Their little furry legs are spinning furiously, the wheel is turning furiously, but come tomorrow morning, they'll still be in the same cage: great job.

　　老鼠的小毛腿跑得飛快，小鐵輪也轉(zhuǎn)得飛快，可到了第二天早上，他們發(fā)現(xiàn)自己依然困在同一個(gè)老鼠籠里，那就是：重要的工作。

　　When I ask the classes I teach, “How many of you can cook a better hamburger than McDonald's?” almost all the students raise their hands. I then ask, “So if most of you can cook a better hamburger, how come McDonald's makes more money than you?” The answer is obvious: McDonald's is excellent at business systems. The reason so many talented people are poor is because they focus on building a better hamburger and know little or nothing about business systems. The world is filled with talented poor people. All too often, they're poor or struggle financially or earn less than they are capable of, not because of what they know but because of what they do not know. They focus on perfecting their skills at building a better hamburger rather than the skills of selling and delivering the hamburger.

　　當(dāng)我在自己教授的班級(jí)上問到“你們當(dāng)中有多少人做的漢堡包能比麥當(dāng)勞更好”時(shí)，幾乎所有的學(xué)生都舉起了手。我接著問，“如果你們當(dāng)中大部分人都能做出比麥當(dāng)勞更好的漢堡包，那為什么麥當(dāng)勞比你們更能賺錢?” 答案是顯而易見的：麥當(dāng)勞擁有一套出色的運(yùn)營(yíng)體系。許多才華橫溢的人之所以貧窮的原因，就是因?yàn)樗麄冎皇菍Ｐ挠谧龈玫臐h堡包，而對(duì)運(yùn)營(yíng)體系幾乎一無所知。世界上到處都是有才華的窮人。在很多情況下，他們之所以貧窮、生活拮據(jù)或者收入與其能力不相符，不是因?yàn)樗麄円阎臇|西而是因?yàn)樗麄兾粗臇|西。他們只將注意力集中在提高和完善做漢堡包的技術(shù)上，卻不注意提高有關(guān)漢堡包的銷售和送貨技能。

　　志存高遠(yuǎn)便是成功之道The Road to Success

　　It is well that young men should begin at the beginning and occupy the most subordinate positions. Many of the leading businessmen of Pittsburgh had a serious responsibility thrust upon them at the very threshold of their career. They were introduced to the broom，and spent the first hours of their business lives sweeping out the office. I notice we have janitors and janitresses now in offices，and our young men unfortunately miss that salutary branch of business education. But if by chance the professional sweeper is absent any morning，the boy who has the genius of the future partner in him will not hesitate to try his hand at the broom. It does not hurt the newest comer to sweep out the office if necessary. I was one of those sweepers myself.

　　年輕人創(chuàng)業(yè)之初，應(yīng)該從最底層干起，這是件好事。匹茲保有很多商業(yè)巨頭，在他們創(chuàng)業(yè)之初，都肩負(fù)過“重任”：他們以掃帚相伴，以打掃辦公室的方式度過了他們商業(yè)生涯中最初的時(shí)光。我注意到我們現(xiàn)在辦公室里都有工友，于是年輕人就不幸錯(cuò)過了商業(yè)教育中這個(gè)有益的環(huán)節(jié)。如果碰巧哪天上午專職掃地的工友沒有來，某個(gè)具有未來合伙人氣質(zhì)的年輕人會(huì)毫不猶豫地試著拿起掃帚。在必要時(shí)新來的員工掃掃地也無妨，不會(huì)因?yàn)槎惺裁磽p失。我自己就曾經(jīng)掃過地。

　　Assuming that you have all obtained employment and are fairly started, my advice to you is “aim high”. I would not give a fig for the young man who does not already see himself the partner or the head of an important firm. Do not rest content for a moment in your thoughts as head clerk, or foreman, or general manager in any concern, no matter how extensive. Say to yourself, “My place is at the top.” Be king in your dreams.

　　假如你已經(jīng)被錄用，并且有了一個(gè)良好的開端，我對(duì)你的建議是：要志存高遠(yuǎn)。一個(gè)年輕人，如果不把自己想象成一家大公司未來的老板或者是合伙人，那我會(huì)對(duì)他不屑一顧。不論職位有多高，你的內(nèi)心都不要滿足于做一個(gè)總管，領(lǐng)班或者總經(jīng)理。要對(duì)自己說：我要邁向頂尖!要做就做你夢(mèng)想中的國(guó)王!

　　And here is the prime condition of success, the great secret: concentrate your energy, thought, and capital exclusively upon the business in which you are engaged. Having begun in one line, resolve to fight it out on that line, to lead in it, adopt every improvement, have the best machinery, and know the most about it.

　　成功的首要條件和最大秘訣就是：把你的精力，思想和資本全都集中在你正從事的事業(yè)上。一旦開始從事某種職業(yè)，就要下定決心在那一領(lǐng)域闖出一片天地來;做這一行的領(lǐng)導(dǎo)人物，采納每一點(diǎn)改進(jìn)之心，采用最優(yōu)良的設(shè)備，對(duì)專業(yè)知識(shí)熟稔于心。

　　The concerns which fail are those which have scattered their capital, which means that they have scattered their brains also. They have investments in this, or that, or the other, here there, and everywhere. "Don't put all your eggs in one basket." is all wrong. I tell you to "put all your eggs in one basket, and then watch that basket." Look round you and take notice, men who do that not often fail. It is easy to watch and carry the one basket. It is trying to carry too many baskets that breaks most eggs in this country. He who carries three baskets must put one on his head, which is apt to tumble and trip him up. One fault of the American businessman is lack of concentration.