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Recording Three
录音三
An American researcher who studied 600 millionaires found how rich you can get comes down to six wealth factors.
一位美国研究人员在调查了600名百万富翁后发现，你能变得多富有可以归结为六个财富因素。
She found that six behaviors are related to net worth potential, regardless of age or income.
她发现，有六种行为与净资产潜力有关，不管年龄或收入。
These were thriftiness, confidence responsibility, planning, focus and social indifference.
它们是节俭、自信、责任、计划、专注和对社会漠不关心。
Being thrifty comes as no great surprise.
节俭并不令人感到意外。
Spending above your means, spending instead of saving for retirement spending in anticipation of becoming wealthy makes you a slave to the paycheck.
入不敷出，即支出而不是以期变得富有为退休支出而储蓄，会让你成为薪水的奴隶。
“Even with an astronomical level of income,” she wrote, “to properly build wealth, experts recommend saving 20% of your income and living off the remaining 80%.”
“即使收入达到了天文数字，”她写道，“为了合理地积累财富，专家建议你应该把收入的20%存起来，剩下的80%用来生活。”
Having confidence is another key characteristic, as it helps people to be thrifty.
自信是另一个重要的特征，因为它帮助人们变得节俭。
It takes confidence to live within your means.
量入为出需要自信。
It also takes confidence to invest properly.
适当的投资也需要信心。
Instead of making investing decisions with your emotions, financial planners advise that you should leave your investments alone and focus on a long-term investment plan.
理财规划师建议你不要靠自己的情绪来做出投资决定，而应该把注意力放在长期投资计划上。
But people can't invest or manage their own money without accepting responsibility for the outcomes.
但如果不对结果负责，人们就无法投资或管理自己的资金。
Many millionaires take on personal responsibility, and most also happen to be self-made, meaning they didn't acquire their wealth through luck.
许多百万富翁承担个人责任，而且大多数人碰巧也是白手起家的，这意味着他们的财富不是靠运气获得的。
Millionaires don't count on anyone else to make them rich, and they don't blame anyone else if they fall short.
百万富翁不指望其他任何人让他们变富，如果他们没有变富，他们也不会责怪其他任何人。
They focus on things they can control and align their daily habits to the goals they have set for themselves.
他们专注于他们可以控制的事情，并使他们的日常习惯与他们为自己设定的目标保持一致。
They tend to be goal-oriented and hard workers, which enables them to plan financially and focus on seeing those plans through.
他们往往以目标为导向，努力工作，这使他们能够制定财务计划并专注于实现这些计划。
92% of the millionaires surveyed developed a long-term plan for their money and 97% almost always achieved the goals they set for themselves.
在接受调查的百万富翁中，92%的人为自己的财富制定了长期计划，97%的人几乎总是能实现他们为自己设定的目标。
And it is these behaviors that make it easy for them to be socially indifferent.
正是这些行为让他们很容易对社交漠不关心。
They resist lifestyle creep, the tendency to spend more whenever one earns more.
他们抗拒生活方式的蠕变，即收入越高，支出就越多的倾向。
Essentially, they don't yield to pressure to buy the latest thing or to keep up with others or what they have acquired.
从本质上讲，他们不会屈服于购买最新的东西的压力，也不会追赶其他人或他们已经获得的东西。
Instead of being focused on what might make them happy today, they're focused on their long-term wealth-building plan.
他们关注的不是今天可能会让他们快乐的事情，而是长期的财富积累计划。
Questions 22 to 25 are based on the recording you have just heard.
请根据你听到的录音回答问题22至问题25。
Q22:What do experts recommend concerning being thrifty?
问题22：关于节俭，专家有什么建议？
Q23:How does confidence help people to be thrifty?
问题23：自信如何帮助人们变得节俭？
Q24:How do millionaires react when they fail in their investment?
问题24：百万富翁在投资失败后会作何反应？
Q25:Why does the speaker say millionaires are socially indifferent?
问题25：为什么说话者说百万富翁对社会漠不关心？
