沃伦巴菲特是现在世界上最有钱的投资人，也是全球第2富有些富翁。
Warren Buffett is the current richest investor in the world. And he ranks No.2 among the world’s billionaires.
不过，与他的钱相比，他的名言总是才是大众关注的重点。
But, compared to his money, it’s those famous quotes of his that attract the public’s attention.
虽然目前不少人都把他的话当做笑谈，或者是毒鸡汤。
Though most people now see his words as jokes or anti chicken soup for the souls.
但我感觉，他说过的不少话真的非常有道理。
But I find his words really inspiring.
其中最让我印象深刻的就是这3句。
And among them all, these are the 3 sentences which impressed me the most.
第一句：假如你不想个方法在你睡觉的时候赚钱，那你就得一直工作到死
The first one is: If you don’t find a way to make money while you sleep, you will work until you die.
这句话初听下来有点荒唐，这不是明摆着的吗?
Sounds ridiculous in the first place, right? Isn’t that obvious?
而且，如何可能在睡觉的时候赚钱?
And how on earth can it be possible to make money while you sleep?
假如需要有收入，当然就得一直工作，对不对?
If you want to have an income, you have to work, right?
不，其实他说的并没错。
But no, what he said is not wrong.
他所说的那种“在睡觉时赚钱”的办法，就是投资。
That way which he described as to make money while you sleep is called investing.
普通的中产阶级靠技能和时间换钱，而富豪是靠钱赚钱的，他们用自己现有些钱去赚取投资回报。
Normal middle|class use their skills and time to make money. But the rich use their money to make money. They invest the money that they own now to make 投资回报率, which means return on investment.
这个办法并不难，由于投资理财的方法有不少。
It’s not a hard thing to do, because there are a lot of ways to manage your personal finance.
以前，我是一个大手大脚的月光族，每一个月赚多少就花多少。
In the past, I usually spent as much as I could earn in a month.
但自从看到了巴菲特的这句话，我才恍然大悟：如此一来，我每一个月不就白工作了吗?由于什么都没剩下，我并没为我们的将来创造什么。
But when I saw this quote of Buffett, I suddenly realized: Isn’t that making all my efforts in vain? Because I have nothing left. I didn’t make anything for my future.
这也就是为何我开始正视我们的生活方法，并进行了大刀阔斧的改变，开始存钱。
That’s why I started to face the truth of how I was living. And I made some bold changes and began to save money.
我期望有一天能不再工作，而是用钱来赚钱。
I wish that there is a day when I no longer need to work and can use money to make money.
第二句：不要把花剩下的钱拿来存，而是把存剩下的钱拿来花。
The second one is: Don’t save what is left after spending. But spend what is left after savings.
想存钱是远远不够的，毕竟你期望发生的事情并未必就能发生。
Wanting to save money is not enough. Anyway, there are a lot of things which didn’t come true although you wanted them to.
存钱是一门技术，这门技术非常简单，只不过困难达成。
Saving is a technique. It’s simple. It’s just not easy.
假如你一直在消费之后才想着应该存钱，那你一定存不下钱，由于任何消费都是非理性的。
If you only come to think about saving after you spend, there is no chance for you to accumulate a considerable fortune, because spending is always irrational.
真正可行的办法，是事先计划好我们的消费方法。
The way that works is to make plans in advance.
每一个月用收入的40%租房屋是否会太多?
Would it be too much to use 40% of my income to rent an apartment?
每一个月只存收入的20%是否会太少?
Is it really enough to save just 20% every month?
你只有先计划好要存多少钱，才能了解自己事实上可以花多少钱。
only by making it clear how much you want to save can you come to know how much you can actually spend.
第三句：假如你的IQ平平，那你需要的就是控制那些让普通人投资失败的欲望。
The last one is: once you have ordinary intelligence, what you need is the temperament to control the urges that get other people into trouble in investing.
大多数人存钱失败的根本缘由，就是控制不了我们的欲望。
The No. 1 reason why most people fail to save is failing in controlling their desire.
欲望叫人变得不理性。
Desire makes you irrational.
而这就是以前的我。
And that’s exactly who I was.
我真的需要为了那几分钟的氛围而去花30块喝一杯咖啡吗?
Did I really need to drink a 30 RMB coffee just for several minutes’ worth of vibe?
我真的需要每一个月买这么多新衣服吗?
Did I really need all those new garments every month?
它们最后给我带来了什么?
What did they bring me?
它们给我带来了贫穷。
They only brought me poverty.
而那些在背后经营这类买卖的人，则从我的愚蠢中赚到了钱。
And the people who are behind these businesses have made money through my stupidity.
