2021/0810
立即準備崩盤
Prepare for the Crash Now
立即準備崩盤
Robert Kiyosaki
Aug 6, 2021
I still remember this story I heard as a child in Sunday school.
我仍然記得我小時候在週日學校聽到的這個故事。
One night, an Egyptian Pharaoh had an unsettling dream. He saw seven fat cattle being eaten by seven skinny cattle. Disturbed, he searched for a person who would interpret his dream.
一天晚上，一位埃及法老做了一個令人不安的夢。他看見七頭肥牛被七頭瘦牛吃掉。心煩意亂，他尋找能解夢的人。
Finally, he came upon a young slave boy who told him his dream meant the world would have seven years of abundance followed by seven years of famine. The pharaoh immediately began preparing for a famine, and Egypt went on to become a powerful nation, feeding that part of the world.
最後，他遇到了一個年輕的奴隸男孩，他告訴他他的夢想意味著世界將有七年的富足，然後是七年的飢荒。法老立即開始為飢荒做準備，埃及繼續成為一個強大的國家，養活了世界的這一部分。
Years later, when I discovered the teachings of futurist Buckminster Fuller, I saw a similar warning.
多年後，當我發現未來學家巴克敏斯特富勒的教義時，我看到了類似的警告。
After reading Dr. Fuller’s book Grunch of Giants in 1983, I began preparing for a financial crisis. It worked. Through the 2008 crisis, and again during the Covid-19 pandemic, my wife and I, our company, and our investments continue to prosper simply because we are always preparing for bad times.
1983 年讀完富勒博士的書《巨人之谷》後，我開始為金融危機做準備。有效。在 2008 年的危機中，以及在 Covid-19 大流行期間，我和我的妻子、我們的公司和我們的投資繼續繁榮，因為我們一直在為糟糕的時期做準備。
My generation — the baby boom generation — and their kids have only known the biggest economic boom in history. The baby boomers do not know what depression is. For the most part, all they know are good times. The baby boomers were blessed by being born into a massive economic boom, a boom that began in 1971 when all the world’s money became fake money. Many people in my generation made wheelbarrows full of money. After the crash of 2007, many of my generation lost their wheelbarrows of money.
我這一代——嬰兒潮一代——和他們的孩子只知道歷史上最大的經濟繁榮。嬰兒潮一代不知道什麼是抑鬱症。在大多數情況下，他們所知道的只是美好的時光。嬰兒潮一代出生在大規模的經濟繁榮中是幸運的，經濟繁榮始於 1971 年，當時世界上所有的錢都變成了假錢 (意旨: 紙幣、貨幣)。我們這一代的很多人都用錢製造了手推車。 2007 年股市崩盤後，我們這一代人中的許多人都丟掉了手推車的錢。
I'm afraid my generation and their kids are not prepared for the economic decline, a depression that may be ahead. If a person has only known an expanding economy, he or she may not be prepared for life in a deflationary or hyperinflationary economy.
恐怕我這一代人和他們的孩子還沒有為經濟衰退做好準備，經濟衰退可能就在眼前。如果一個人只知道經濟擴張，他或她可能無法為通貨緊縮或惡性通貨膨脹經濟中的生活做好準備。
The Importance of History and the Future
歷史與未來的重要性
To increase financial intelligence and financial literacy, the first step is to learn history. Through the lens of the past you can better see the future.
要提高金融智慧和金融素養，第一步是學習歷史。透過過去的鏡頭，你可以更好地看到未來。
Over the course of history, the actions of the rich and powerful have done both much good and much harm. I don’t fault the rich for looking out for their interests or their family’s interests. Rather than placing blame, I studied the history of the rich, learned their game, and lived my life aware of their rules of money — and created some of my own rules along the way.
在歷史的長河中，富人和強者的行為既有利也有弊。我不會責怪富人關注他們的利益或家人的利益。我沒有責怪，而是研究了富人的歷史，了解了他們的遊戲，並在我的生活中意識到他們的金錢規則——並在此過程中創造了一些我自己的規則。
Most people who know the rules of the game of the rich are not in financial trouble today. For the most part, it’s only those people who have low financial intelligence and live by the old rules of money who are hurting financially.
大多數了解富人遊戲規則的人今天都沒有陷入財務困境。在大多數情況下，只有那些財務智力低下並遵守舊的金錢規則的人才會在經濟上受到傷害。
Rich Dad's Prophecy Is Coming True
富爸爸的預言成真
Yes, it's true, I've written for years about a coming crash, including in my 2002 book Rich Dad's Prophecy. The cause of the prophesied crash is a flaw in the 401(k) retirement plan, a plan blessed by Congress in 1974 as an attempted fix to the dying pension system.
是的，這是真的，多年來我一直在寫關於即將到來的崩潰，包括在我 2002 年出版的書《富爸爸的預言》中。預測崩潰的原因是 401(k) 退休計劃中的一個缺陷，該計劃在 1974 年得到國會的支持，作為對垂死的養老金體系的嘗試修復。
At the time of the book’s publication, the stock market was breaking records left and right, at least numerically. There was little doubt in the establishment’s mind that the stock market and mutual funds would solve the retirement problem for many Americans.
在這本書出版時，股票市場正在左右打破記錄，至少在數字上是這樣。毫無疑問，股票市場和共同基金將解決許多美國人的退休問題。
As would be expected, the Wall Street media trashed the book.
不出所料，華爾街媒體對這本書進行了抨擊。
The 401(k) plan was a primary catalyst for pushing the retirement money of the baby boomers, the biggest generation in U.S. history, into the stock market, which created immense demand for stocks and mutual funds. As the baby boomers retire, they will need to begin drawing on that money in order to live — which means they will be selling stocks, not buying them. And when there are more people selling than buying, the market goes down. This means that today those who are 45 or younger and have retirement plans connected to the stock market are in trouble.
401(k) 計劃是推動美國歷史上最大的一代嬰兒潮一代的退休金進入股市的主要催化劑，這創造了對股票和共同基金的巨大需求。隨著嬰兒潮一代退休，他們將需要開始動用這筆錢才能生活——這意味著他們將出售股票，而不是購買股票。當賣的人多於買的人時，市場就會下跌。這意味著，如今那些 45 歲或以下且擁有與股票市場相關的退休計劃的人遇到了麻煩。
Many people believe they are safe because the stock market will recover. But the market will not recover; it will only continue to fall. The idea of a comfortable retirement is becoming a myth for young and old.
許多人認為他們是安全的，因為股市會復甦。但市場不會復蘇；它只會繼續下降。舒適退休的想法正在成為年輕人和老年人的神話。
Ancient History Comes Alive
古老的歷史煥發生機
I have one final point about history. The Founding Fathers opposed central banks like the Federal Reserve. President George Washington experienced the pain of government-made money when he had to pay his troops with the continental, a currency that eventually went to its true value — zero.
關於歷史，我還有最後一點。開國元勳反對美聯準等中央銀行。當喬治華盛頓總統不得不用大陸貨幣*支付他的軍隊時，他經歷了政府賺錢的痛苦，這種貨幣最終達到了其真實價值 : 零。
*大陸貨幣(continental):早期的美國貨幣
Thomas Jefferson adamantly opposed the creation of a central bank.
湯瑪士杰斐遜(前美國總統)堅決反對建立中央銀行。
Yet today, central banks control the financial world, and we’ve granted them the power to solve our financial crises for us, the very crises they helped create.
然而今天，中央銀行控制著金融世界，我們賦予他們權力，為我們解決金融危機，正是他們幫助製造的危機。
Simply said, a central bank can create money out of nothing and then charge us interest on money it did not earn.
簡單地說，中央銀行可以無中生有地創造貨幣，然後對我們沒有賺到的錢收取利息。
The policies of the Fed aren’t abstract realities. They are powerful actions that determine your financial well-being in both open and hidden ways.
美聯準的政策不是抽象的現實。它們是強有力的行動，以公開和隱藏的方式決定您的財務狀況。
Anyone who purchases a home knows that for the first years most of your mortgage payment goes to the bank to pay down interest, and that very little goes toward reducing the principal. The bank effectively receives interest payments for money it did not earn but rather created out of thin air.
任何購買房屋的人都知道，在頭幾年，您的大部分抵押貸款都會到銀行支付利息，而很少用於減少本金。銀行有效地收到了它不是賺取的而是憑空創造的錢的利息支付。
We Are Architects of the Future, Not Victims
我們是未來的建築師，而不是受害者
As Bucky Fuller said, “We are called to be architects of the future, not its victims.”
正如 Bucky Fuller 所說：“我們被要求成為未來的建築師，而不是它的受害者。”
In 1984, I began talking to Kim about what I saw as the future of the economy and why we had to prepare for it. Rather than being frightened, she simply took my hand, and we began our life journey together — and together we built a strong house of bricks.
1984年，我開始與Kim談論我對經濟未來的看法以及我們為什麼必須為此做好準備。她沒有害怕，而是拉著我的手，我們一起開始了我們的人生旅程——我們一起建造了一座堅固的磚房。
At the start of our journey, we were in debt. I still owed about $400,000 out of a $790,000 loss from the failure of a past business, and I had no money, job, home, or car.
在我們的旅程開始時，我們負債累累。過去生意失敗造成的790,000美元損失中，我仍然負債欠約400,000美元，而且我沒有錢、工作、房子或汽車。
All we had were the clothes on our backs, two small suitcases, our love, and a dream for our future.
我們只有身上的衣服、兩個小手提箱、我們的愛和對未來的夢想。
By preparing for bad times you have a better chance of seeing the silver lining when storm clouds gather, and a better chance of finding a pot of gold at the end of the rainbow.
通過為糟糕的時期做好準備，當暴風雲聚集時，您更有可能看到一線希望，並且更有可能在彩虹的盡頭找到一罐金子。
For those in houses made of straw and sticks, the coming years could be bad ones; for people in brick houses, a silver lining can be seen in those approaching storm clouds and a pot of gold can be found at the end of the rainbow.
對於那些住在稻草和木房子裡的人來說，未來幾年可能會很糟糕；對於住在磚房裡的人來說，在臨近的暴風雲中可以看到一線希望，在彩虹的盡頭可以找到一罐金子。
Play it smart,
做事聰明，舉止得當
Robert Kiyosaki
炫麗 Shiny黃金白銀交易所
引用: Rich Dad Poor Dad Daily窮爸爸富爸爸
*文章內容為筆者個人見解，僅供參考。恕不代表本站立場
立即準備崩盤
Robert Kiyosaki
Aug 6, 2021
I still remember this story I heard as a child in Sunday school.
我仍然記得我小時候在週日學校聽到的這個故事。
One night, an Egyptian Pharaoh had an unsettling dream. He saw seven fat cattle being eaten by seven skinny cattle. Disturbed, he searched for a person who would interpret his dream.
一天晚上，一位埃及法老做了一個令人不安的夢。他看見七頭肥牛被七頭瘦牛吃掉。心煩意亂，他尋找能解夢的人。
Finally, he came upon a young slave boy who told him his dream meant the world would have seven years of abundance followed by seven years of famine. The pharaoh immediately began preparing for a famine, and Egypt went on to become a powerful nation, feeding that part of the world.
最後，他遇到了一個年輕的奴隸男孩，他告訴他他的夢想意味著世界將有七年的富足，然後是七年的飢荒。法老立即開始為飢荒做準備，埃及繼續成為一個強大的國家，養活了世界的這一部分。
Years later, when I discovered the teachings of futurist Buckminster Fuller, I saw a similar warning.
多年後，當我發現未來學家巴克敏斯特富勒的教義時，我看到了類似的警告。
After reading Dr. Fuller’s book Grunch of Giants in 1983, I began preparing for a financial crisis. It worked. Through the 2008 crisis, and again during the Covid-19 pandemic, my wife and I, our company, and our investments continue to prosper simply because we are always preparing for bad times.
1983 年讀完富勒博士的書《巨人之谷》後，我開始為金融危機做準備。有效。在 2008 年的危機中，以及在 Covid-19 大流行期間，我和我的妻子、我們的公司和我們的投資繼續繁榮，因為我們一直在為糟糕的時期做準備。
My generation — the baby boom generation — and their kids have only known the biggest economic boom in history. The baby boomers do not know what depression is. For the most part, all they know are good times. The baby boomers were blessed by being born into a massive economic boom, a boom that began in 1971 when all the world’s money became fake money. Many people in my generation made wheelbarrows full of money. After the crash of 2007, many of my generation lost their wheelbarrows of money.
我這一代——嬰兒潮一代——和他們的孩子只知道歷史上最大的經濟繁榮。嬰兒潮一代不知道什麼是抑鬱症。在大多數情況下，他們所知道的只是美好的時光。嬰兒潮一代出生在大規模的經濟繁榮中是幸運的，經濟繁榮始於 1971 年，當時世界上所有的錢都變成了假錢 (意旨: 紙幣、貨幣)。我們這一代的很多人都用錢製造了手推車。 2007 年股市崩盤後，我們這一代人中的許多人都丟掉了手推車的錢。
I'm afraid my generation and their kids are not prepared for the economic decline, a depression that may be ahead. If a person has only known an expanding economy, he or she may not be prepared for life in a deflationary or hyperinflationary economy.
恐怕我這一代人和他們的孩子還沒有為經濟衰退做好準備，經濟衰退可能就在眼前。如果一個人只知道經濟擴張，他或她可能無法為通貨緊縮或惡性通貨膨脹經濟中的生活做好準備。
The Importance of History and the Future
歷史與未來的重要性
To increase financial intelligence and financial literacy, the first step is to learn history. Through the lens of the past you can better see the future.
要提高金融智慧和金融素養，第一步是學習歷史。透過過去的鏡頭，你可以更好地看到未來。
Over the course of history, the actions of the rich and powerful have done both much good and much harm. I don’t fault the rich for looking out for their interests or their family’s interests. Rather than placing blame, I studied the history of the rich, learned their game, and lived my life aware of their rules of money — and created some of my own rules along the way.
在歷史的長河中，富人和強者的行為既有利也有弊。我不會責怪富人關注他們的利益或家人的利益。我沒有責怪，而是研究了富人的歷史，了解了他們的遊戲，並在我的生活中意識到他們的金錢規則——並在此過程中創造了一些我自己的規則。
Most people who know the rules of the game of the rich are not in financial trouble today. For the most part, it’s only those people who have low financial intelligence and live by the old rules of money who are hurting financially.
大多數了解富人遊戲規則的人今天都沒有陷入財務困境。在大多數情況下，只有那些財務智力低下並遵守舊的金錢規則的人才會在經濟上受到傷害。
Rich Dad's Prophecy Is Coming True
富爸爸的預言成真
Yes, it's true, I've written for years about a coming crash, including in my 2002 book Rich Dad's Prophecy. The cause of the prophesied crash is a flaw in the 401(k) retirement plan, a plan blessed by Congress in 1974 as an attempted fix to the dying pension system.
是的，這是真的，多年來我一直在寫關於即將到來的崩潰，包括在我 2002 年出版的書《富爸爸的預言》中。預測崩潰的原因是 401(k) 退休計劃中的一個缺陷，該計劃在 1974 年得到國會的支持，作為對垂死的養老金體系的嘗試修復。
At the time of the book’s publication, the stock market was breaking records left and right, at least numerically. There was little doubt in the establishment’s mind that the stock market and mutual funds would solve the retirement problem for many Americans.
在這本書出版時，股票市場正在左右打破記錄，至少在數字上是這樣。毫無疑問，股票市場和共同基金將解決許多美國人的退休問題。
As would be expected, the Wall Street media trashed the book.
不出所料，華爾街媒體對這本書進行了抨擊。
The 401(k) plan was a primary catalyst for pushing the retirement money of the baby boomers, the biggest generation in U.S. history, into the stock market, which created immense demand for stocks and mutual funds. As the baby boomers retire, they will need to begin drawing on that money in order to live — which means they will be selling stocks, not buying them. And when there are more people selling than buying, the market goes down. This means that today those who are 45 or younger and have retirement plans connected to the stock market are in trouble.
401(k) 計劃是推動美國歷史上最大的一代嬰兒潮一代的退休金進入股市的主要催化劑，這創造了對股票和共同基金的巨大需求。隨著嬰兒潮一代退休，他們將需要開始動用這筆錢才能生活——這意味著他們將出售股票，而不是購買股票。當賣的人多於買的人時，市場就會下跌。這意味著，如今那些 45 歲或以下且擁有與股票市場相關的退休計劃的人遇到了麻煩。
Many people believe they are safe because the stock market will recover. But the market will not recover; it will only continue to fall. The idea of a comfortable retirement is becoming a myth for young and old.
許多人認為他們是安全的，因為股市會復甦。但市場不會復蘇；它只會繼續下降。舒適退休的想法正在成為年輕人和老年人的神話。
Ancient History Comes Alive
古老的歷史煥發生機
I have one final point about history. The Founding Fathers opposed central banks like the Federal Reserve. President George Washington experienced the pain of government-made money when he had to pay his troops with the continental, a currency that eventually went to its true value — zero.
關於歷史，我還有最後一點。開國元勳反對美聯準等中央銀行。當喬治華盛頓總統不得不用大陸貨幣*支付他的軍隊時，他經歷了政府賺錢的痛苦，這種貨幣最終達到了其真實價值 : 零。
*大陸貨幣(continental):早期的美國貨幣
Thomas Jefferson adamantly opposed the creation of a central bank.
湯瑪士杰斐遜(前美國總統)堅決反對建立中央銀行。
Yet today, central banks control the financial world, and we’ve granted them the power to solve our financial crises for us, the very crises they helped create.
然而今天，中央銀行控制著金融世界，我們賦予他們權力，為我們解決金融危機，正是他們幫助製造的危機。
Simply said, a central bank can create money out of nothing and then charge us interest on money it did not earn.
簡單地說，中央銀行可以無中生有地創造貨幣，然後對我們沒有賺到的錢收取利息。
The policies of the Fed aren’t abstract realities. They are powerful actions that determine your financial well-being in both open and hidden ways.
美聯準的政策不是抽象的現實。它們是強有力的行動，以公開和隱藏的方式決定您的財務狀況。
Anyone who purchases a home knows that for the first years most of your mortgage payment goes to the bank to pay down interest, and that very little goes toward reducing the principal. The bank effectively receives interest payments for money it did not earn but rather created out of thin air.
任何購買房屋的人都知道，在頭幾年，您的大部分抵押貸款都會到銀行支付利息，而很少用於減少本金。銀行有效地收到了它不是賺取的而是憑空創造的錢的利息支付。
We Are Architects of the Future, Not Victims
我們是未來的建築師，而不是受害者
As Bucky Fuller said, “We are called to be architects of the future, not its victims.”
正如 Bucky Fuller 所說：“我們被要求成為未來的建築師，而不是它的受害者。”
In 1984, I began talking to Kim about what I saw as the future of the economy and why we had to prepare for it. Rather than being frightened, she simply took my hand, and we began our life journey together — and together we built a strong house of bricks.
1984年，我開始與Kim談論我對經濟未來的看法以及我們為什麼必須為此做好準備。她沒有害怕，而是拉著我的手，我們一起開始了我們的人生旅程——我們一起建造了一座堅固的磚房。
At the start of our journey, we were in debt. I still owed about $400,000 out of a $790,000 loss from the failure of a past business, and I had no money, job, home, or car.
在我們的旅程開始時，我們負債累累。過去生意失敗造成的790,000美元損失中，我仍然負債欠約400,000美元，而且我沒有錢、工作、房子或汽車。
All we had were the clothes on our backs, two small suitcases, our love, and a dream for our future.
我們只有身上的衣服、兩個小手提箱、我們的愛和對未來的夢想。
By preparing for bad times you have a better chance of seeing the silver lining when storm clouds gather, and a better chance of finding a pot of gold at the end of the rainbow.
通過為糟糕的時期做好準備，當暴風雲聚集時，您更有可能看到一線希望，並且更有可能在彩虹的盡頭找到一罐金子。
For those in houses made of straw and sticks, the coming years could be bad ones; for people in brick houses, a silver lining can be seen in those approaching storm clouds and a pot of gold can be found at the end of the rainbow.
對於那些住在稻草和木房子裡的人來說，未來幾年可能會很糟糕；對於住在磚房裡的人來說，在臨近的暴風雲中可以看到一線希望，在彩虹的盡頭可以找到一罐金子。
Play it smart,
做事聰明，舉止得當
Robert Kiyosaki
炫麗 Shiny黃金白銀交易所
引用: Rich Dad Poor Dad Daily窮爸爸富爸爸
*文章內容為筆者個人見解，僅供參考。恕不代表本站立場
