Get smart. People do not become billionaires by accident. Demystify as many of the variables as you can before you assemble a plan, such as interest rates, tax brackets, dividends and so on. Take a class online or at a university on finance, read books about investing and know the rules. Read about successful billionaires and how they made their fortunes, such as Warren Buffett or Jon Huntsman, Sr. Being wise with your money is the surest way to amass more of it.
洪博培（Jon Huntsman）的书，智慧地用可靠方法赚钱，积累更多。
Start saving. It takes money to make money, as the saying goes. Take a certain amount of money out of your paycheck as soon as you get paid and put it in a savings account, to be used for future investments or to simply collect interest. Decide what percentage of your earnings you can afford to spare and start there - as little as $20 per paycheck will start to make a difference over three or four years. If you decide to put that money toward a high-risk investment, then you're only risking what you can afford to lose.
2、开始存钱。赚钱需要存钱，俗话说，从你的薪水或报酬中存一定数额的钱，放在一个储蓄账户里，用于未来的投资，或者收取利息。然后计划把你收入的百分多少用于备用，对于过去三四年的薪水中的20美元做一个不同，如果你决定把钱用于高风险的投资，那么也可能意味着你冒着失去的风险。
Live frugally. If you want to put more money aside and grow your net worth, cut out unnecessary expenses such as dining out or entertainment. Differentiate between what you must spend money on now and pleasures that could wait for later.
第一，勤俭节约。如果想把更多的钱勇于增加你的资产净值，减少不必要的开支，比如外出就餐或娱乐。什么是现在必须花的钱，什么是娱乐消费，可以等等再消费。
Collect change. Empty the spare change from your pockets or purse into a jar every night. In a few months, take the money to a coin-counting kiosk or spend the afternoon rolling it yourself (you can get paper coin rolls from the bank for free). If you use cash often, you should be able to collect a few hundred dollars a year this way. Put it directly into your billionaire account.
第二，积累改变。每天晚上把你口袋里的零钱放进储存罐，几个月后，把钱倒出来数一数（你可以从银行取来免费的硬币卷）。如果你经常使用现金，用这种方式，你应该能收集到几百美元，然后直接存进你的亿万富翁的账户。
Make a five-year plan. Calculate a conservative estimate of how much money you could manage to save over 5 years. Depending on the amount, decide what the best use of your money should be, whether it's investing, starting a business or simply allowing the money to continue to collect interest.
3、做一个五年计划。做一个五年的计划，保守估计你可以存多少钱。根据不同的数额，决定什么如何最好地利用好这些钱，无论是投资、创业、或者只是存钱收取利息。
Keep your plan urgent. Make sure your ideas stay at the front of your mind by writing them down and referring back to them regularly. If you have a hard time staying interested in projects, write down reminders about your plan and put them somewhere you go every day - for instance, on the bathroom mirror or the dashboard of your car.
严格按照计划执行。确保你的想法，把这些写下来，定期进行回顾检查。如果你很难做到，写下计划，提醒你每天要去某个地方购物——例如，浴室的镜子，或者是汽车的仪表板。
Invest
（二）投资
Buy real estate. A common way to make more money is to invest in real estate. Property will generally appreciate in value over time, and might give you a good return on your investment. Your investment can be flipped, rented, or developed.
1、购买房子。一个常见的方式就是赚更多的钱投资房地产，通常会随着时间的推移而升值，可能会给你一个好的投资回报。你的投资可以翻翻、租用或者开发。警惕在虚假夸大市场中投资，确保您可以容易地支出每月抵押贷款。如果你不了解2008年美国的次级抵押贷款危机，可以去阅读一些警示故事，或是一个好主意。
Be wary of investing in an artificially inflated market, and make sure that you can easily pay the monthly mortgage. If you don't know much about the 2008 sub prime mortgage crisis in the United States, it might be a good idea to read up on it and take away a few cautionary tales.
2、投资商业。开始你自己的创业生意，或可以是一个长期的赚钱方式，选择一个公司提供的产品或服务，你自己购买，把时间和金钱投入进去，了解这个行业，然后学会区分好与不好的投资。
Invest in a business. Starting your own business or buying into one can be a solid way to make money over a long term. Create or choose a company that offers a product or service that you would buy yourself, and put your time and money toward improving it. Become knowledgeable about the industry you wish to go into and learn to differentiate between good and bad business investments.. The stock market can be a great place to grow your fortune. Watch the markets carefully before you start to buy and pay attention to which stocks do well; gathering this information will help you make smart purchases in the future. Once you invest, understand that most stocks appreciate over the long term; ride out small decreases in value if you can.
3、购买股票。股票可以增加你的财富，观察市场，然后开始买进，注意哪些股票好，收集这些信息，有助于你在未来做出明智的购买计划。一旦你投资了股票，理解大多数股票是长期升值，如果你可以，会安全度过短期下降。
Get Lucky
（三）好运
Gamble. If you prefer occasionally daydreaming about getting rich over developing long-term efforts, try gambling. The odds are against you, and you're unlikely to win millions, but it's happened before. If you do win money at a casino or in a lottery, take it to a financial planner immediately - he or she can help you figure out how to grow your winnings and, with some smart decisions, maybe hit a billion.
1、投机。如果你喜欢偶尔做做白日梦，而不是长期努力致富，尝试投机。你的成功机会很小，你不可能赢得百万，但是也出现过。如果你购买了彩票，交给理财规划师，他可以帮助到你，你的奖金，如何决定，也许会砸中十亿。
Stop gambling immediately (or don't start at all) if you think you might get addicted. Not many gambling addicts get rich, because they don't know when to stop.
不要赌博，立即（或者压根不要开始），如果你认为你会上瘾，赌博成瘾致富，因为他们不知道何时会停止。
Research shows that even if you don't marry someone for money, having a supportive spouse is critical to getting rich. Partner up with someone who's in your relationship for the long haul.
3、婚姻。你的美貌或魅力会成为婚姻的经济优势。你和你的配偶可以作为一个团队，研究表明，即使你的另一半不是有钱人，但是有一个支持你的配偶是至关重要的，对于致富来说，合作的关系与长期努力得到的结果。
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