白手起家、成為有錢人，不是夢！6個觀念教你創造財富！
創造財富是一種長期的過程，它需要紀律，還需要你犧牲一些東西，它更需要的是堅持不懈。許多人每天過著漫無目的的生活，但卻希望自己能有個不同的人生，我們都知道這是不可能發生的。
Wild Creations的共同創辦人RHETT POWER在《Inc.》雜誌網站上告訴我們成功是有方法的，他並提出了10個邁向成功應有的觀念，幫助每個想成功的人，以下是其中6個！
1.不要活得像是百萬富翁一樣
在你還沒獲得巨大成功時，別過得太奢華，節儉一點，一開始就過太好的日子，只會拖延你成功的時間而已，因為你多了很多開銷，而那些錢本來卻可以花在更有價值的地方。
2.聰明地花錢通常，在你還沒成功，就過得太奢華，只會加速你失敗而已。
如果你是那種很容易把錢弄丟，不知道自己的錢花去哪裡的人，那麼這樣是很難存到錢的。大部份的成功人士，都會小心翼翼地照顧自己的錢，他們不會亂花錢，亂借別人錢，雖然你不一定得要當一個小氣鬼，但一定得知道自己的錢哪些可以省，然後花在什麼地方。
3.學會投資
錢，如果只是放著，那麼它就是原本的錢，不多變得更多，也不會滾出更多錢，但是當你拿去投資，並且有了報酬，那麼一切將變得不一樣，你不必多花更多心力，卻有了更多錢，復利的威力遠遠超過你的想像，愛因斯坦曾說復利的威力比原子彈還大，這是有道理的。
如果想成為有錢人，就一定要懂得一樣投資工具，只有這樣才能幫助你用錢滾出更多錢。
4.懂得多付出一點
如果你希望加薪，那你得替公司貢獻更多價值，當你的貢獻大於你的薪資，那你才有談薪的條件。成功的人都明白，不付出努力是不行的，想升遷，那就得拿出你應有的能力，如果你能力還不夠，那就加緊磨練吧！
5.跟有共同價值觀的人結婚
要成功，並不是一定得取或嫁給一個有錢人，而是你必須找價值觀相近的人，只有這樣，你們才會有共同的目標，也才會一起共同奮鬥與努力。如果你找一個與你的想法相差甚遠的人結婚，那麼吵架、結婚，都是很有可能發生的。
6.有計畫的創造財富
成功的人，知道自己的錢都花去哪了，他們有計畫的組織自己的人生，替自己創造財富，如同大部分的人都明白的道理：「你不理財，才不理你。」要創造財富，就必須有計畫地創造財富，掌握自己金錢的動向。
原文出處：Inc.
圖片來源：techcrunch
10 Steps to Becoming a Self-Made Millionaire
You have to have a plan if you want to become wealthy
Building wealth for most people is a long process that requires discipline and sacrifice. There are many people who will waste their life away, wanting things to be different. Then there are those who are willing to change themselves to change where they are going. These are the people who have what it takes to become wealthy. These are the people who have a plan.
1. They don't live like millionaires.
What we mean is, they don't spend the way most people you would conceive as millionaires do. Those people who spend money like it's going out of style generally end up broke. They must file for bankruptcy and get rid of their fancy house, cars, and materials to pay their debt. Self-made millionaires know the value in not spending all their money. They know waiting for what you want and saving for what you need is the only way to get there.
2. They are cheap.
More than not, when you meet millionaires, they are penny pinchers. They will be a little more stingy with their money. And that is OK! You don't have to help every Tom, Dick, and Harry out there! They are wise with their money. Some of them are maybe a bit like Scrooge. You don't have to be so extreme, but don't spend every penny you have, just because you have it.
3. They give to charity.
Charitable donations not only help the conscience, they also help when tax season comes around. Those who give sizeable donations to charitable organizations, and have receipts for it, can take those contributions off their taxes. It is a win-win-win, right?
4. They invest.
Millionaires know that money sitting is just that -- money sitting. It isn't doing anything for you. Even if you don't invest it, but you put it into a high interest account, it is more likely to accrue money for you later on than money in your pocket. When you get a paycheck, allocate what you need for bills and living, but put 10 percent into investments or savings.
5. They earn a little more.
These are the people who are not afraid to go ask their bosses for a raise. They know how to work more hours at their job just to get that paycheck a little bit higher. They know how to do whatever it takes not to have to live paycheck to paycheck, because they put in the effort.
6. Get an education.
Although you will see some who do not get an education, the majority of millionaires see the value of an education, in getting a better job and compensated more for their work. School is expensive, but so is getting to millionaire status.
7. They work side jobs.
Many millionaires work one to three jobs, and their spouses do the same thing. They work as much as they can to bring home as much as they can.
8. They marry well.
Not that they marry rich. They marry someone with the same goals and value of money as their own. Their spouses may be as frugal, or even more so. That is the measure of good millionaires. They know how to become millionaires together.
9. They are organized.
They know where every penny goes. They know what each of their assets are doing. They do their own money managing. Do you think they would let someone who may potentially mess it all up take care of their money?
10. They teach their children.
Millionaires teach their children how to work hard and be millionaires. Their children know how to save for and earn what they want.
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