The millionaire next door does a lot to get ahead, but you can be pretty sure the list excludes the following 20 points.

你一定十分清楚邻家的百万富翁做了很多来取得成功，但是不包括以下20点。

The millionaire next door does NOT:

邻家的百万富翁不会：

1.Pay for Lawn Service – You could save $150 a month, get some healthy exercise and maybe even a bit of a tan just by mowing¹ your own yard.

1、支付除草费用——只要自己给院子割草，每个月你就能节省150美元，得到有益身心的锻炼，说不定还能晒出（你想要的）黑呢。

2.Go to a Hair Stylist – Even the cheapest barber shops charge men $15 - $20 for a haircut these days. If you’re a woman, it may cost well over $50 a visit. Dying your hair? You’re broke!2、去理发店——现在，男士理发就算在最便宜的理发店也要花15到20美元。如果你是女士，说不定50美元还不止呢。折腾你的头发？那你就破产吧！

3.Use Time as a Measurement for Success – The millionaire next door measures success based on output quality, the results. The amount of time spent on something means nothing if the results do not meet the expectations.

3、用时间衡量成功——邻家的百万富翁用输出质量，即结果为基础来衡量成功。如果结果跟预期的不相符，那么所花的时间则没有任何意义。

4.Buy Brand New Cars – Why would anyone pay the full retail² price worth half a year’s salary for the fastest depreciating³ assent⁴ on Earth? We are brainwashed!

4、购买新款轿车——为什么有人为了世上很快被贬低的认可，愿意花相当于半年的薪金全额支付其零售价呢？我们被洗脑了！

5.Carry a Monthly Credit Card Balance – Carrying a monthly credit card balance only makes sense if you enjoy poverty. Monthly interest payments can add up to hundreds of dollars over the course of a year. Do not buy “stuff” right now that you cannot afford to pay for in cash right now!

5、每月有信用卡债务——除非你乐于贫穷，只有这样每个月的信用卡债务才说得通。在一年的时间里，每月支付的利息加起来可达数百美元。现在就停止购买这些没用的东西吧，这些目前为止你现金所不能承受的东西！

6.Eat Out on a Regular Basis – With the recent price increases in corn, wheat and dairy products, preparing your own food is already expensive enough. If you eat out you will pay triple the price. If done on a regular basis you will waste a few thousand dollars a year.

6、经常下馆子——目前，随着玉米、小麦和乳制品价格的上涨，自己（在家）准备饭菜都要花很多钱。如果出去吃，你将花三倍的价钱。如果长期如此，每年你将浪费掉几千美元。

7.Think He Knows It All – People who think they know it all stop learning and thus become unaware⁵ of new opportunities. Once you lose awareness⁶, you lose.

7、认为自己无所不知——那些认为自己什么都知道的人停止了学习，变得对新的机会毫无察觉。一旦你失去了意识，你就完了。

8.Socialize with People Who Waste Money – The people you socialize with influence your habits. It is impossible to save money if you constantly hang around people who blow it all.

8、与浪费金钱的人结交——与你结交的人会影响你的习惯。如果你经常和挥霍钱财的人一起出去，那么节约钱就只当是空话一句了。

9.Desire Instant Gratification – You have to think long-term to attain⁷ long-term success. The millionaire next door desires long-term deferred⁸ compensation over instant gratification.

9、看重眼前利益——你必须看得长远些，从而取得长远的胜利。邻家的百万富翁追求长远的利益，弥补眼前利益（的损失）。

10.Pay Retail for Name Brand Clothing – You can easily save hundreds of dollars a year on clothing purchases by waiting for sales or shopping at discount retailers⁹ like Marshalls. Better yet, avoid name brand clothing all together.

10、买名牌衣服——等到大甩卖（的时候购买衣服）或者在像Marshalls（译者：美国一家连锁百货公司）这样的折扣店购物，每年你可以轻松地节省下成千上百美元。最好一件名牌衣服也别买。

11.Keep His Money in a Checking Account – If you want to increase your wealth you have to set your money up to make more money. Most checking accounts yield little to nothing in interest. Think long-term (5 years +). Invest in quality stocks, bonds and mutual¹⁰ funds, especially those with high yield dividends¹¹ and interest. Or buy some land in an area with growth potential.

11、把钱存银行里（译者：这里指活期存款账户）——如果你想增加你的财富，你就得把钱攒起来去挣更多的钱。大多数活期存款收益甚微。考虑一下定期存款（5年以上）。投资优绩股，债券和共同基金，特别是那些高回报高利率的。或者在某个地区买一些有增值潜力的土地。

12.Replace What is Not Broken – The millionaire next door fixes things. Fixing something is usually significantly cheaper than buying a brand new replacement¹², especially if you fix it yourself.

12、换掉还能用的（东西）——邻家的百万富翁修理东西。修理某样东西通常比重新买一件新的便宜得多，尤其是你自己去弄。

13.Visit the Tanning Bed – $25 a month for skin cancer? Where do I sign up? If you want a tan, move to Florida. For those that live in Florida and still go to the tanning bed… WOW!

13、光顾紫外线床——每月25美元，远离皮肤癌？我在哪里报名？如果你想晒黑，移居弗罗里达吧。这样的话，又能住在弗罗里达又能享受（免费的）紫外线床……太棒了！

14.Impulse Buy – Impulse buying wastes money and leads to a cluttered¹³ house full of “stuff” you don’t need or use. If you see something you like at the mall, walk away. Think on it for a day or two. If it still holds value in your mind, maybe it’s worth buying. Never buy something the first time you see it.

14、冲动性购物——冲动性购物不仅浪费钱，还会让满屋子堆得都是你不需要、没用过的“废物”。如果在商城里看见某件你喜欢的东西，（别买）走开。考虑一两天。如果你仍然觉得它是有价值的，或许它就值得买。绝对不要在第一眼看到某样东西的时候就把它买下来。

15.Waste Time on Senseless Activities – They say time is money. In actuality, time is far more important than money. Time is your life. If you waste it, you will fail.

15、花时间做毫无意义的事——都说时间就是金钱。事实上，时间比金钱重要得多。时间就是你的生命，如果浪费掉，你就输了。

16.Focus His Attention on Negative Obstacles – If you focus all your attention on negative obstacles, you will lose sight of the finish line. You can’t get there if you can’t see it.

16、把注意力聚集在绊脚石上——如果你把所有的注意力都集中在消极的障碍上，你就看不到终点线。假使你看不见它，又怎么能到达那儿呢。

17.Bet The Farm – The millionaire next door takes evenly weighted, calculated risks on long term investments. If you go “all in”, you’re gambling¹⁴, not investing.

17、把自己的家底压全部压上——邻家的百万富翁对长期投资平均地增加砝码、进行风险估算。如果你把全部的（家产）都投进去，那你就是在赌博而不是投资。

18.Fly First-class – Would you pay $400 to sit in a leather chair for a couple of hours? That’s exactly what you do when you fly first class. Huge waste of money!

18、坐头等舱——你愿意花400美元（只为）在皮椅上做几个小时？这就是你坐头等舱的实际情况。超级浪费！

19.Rent – The millionaire next door has a long-term mindset. In the long-term, owning something is always more cost effective than renting it. The key is to purchase quality products for long-standing use.

19、租用——邻家的百万富翁有一个长远的心态。从长远来看，拥有某样东西总是要比租用这件东西更划算。关键是买高品质的东西，以便长期使用。

20.Earn Every Dollar He Makes at His Day Job – Two words: Passive Income. You can be sure the millionaire next door invests his money wisely. These investments create a solid passive income stream that grows over time. If your money isn’t making you more money, you’ll never be wealthy.

20、只顾着在日常工作中挣钱——两个词：额外收入。你可能清楚邻家的百万富翁（都）投资精明。久而久之，这些投资便创造出源源不断的固定额外收入。如果你的钱不能为你挣得更多的钱，那么，你将永远不可能富有。