6. Limit what you borrow. “Living on credit cards and loans won’t make you rich,” writes Schroeder. Sure, leverage can get you into a home or a new car, but too much debt is one of the biggest drags on your financial well-being.
6. 要限制自己借錢的數(shù)量。史諾德寫過“靠信用卡和貸款度日是不會變成富翁的?！?當(dāng)然，用點兒小技巧是可以幫你買個房子、或者一輛新車，但是過多的借貸卻會打破你的財政平衡。
7. Be persistent. If you know what you’re doing is important and right, stick to it. Doggedly pursue your goals. Learn to “fail forward”.
7. 要堅持。如果你知道你做的事是重要且正確的，那就要堅持下去。頑強(qiáng)地追逐自己的目標(biāo)。要學(xué)會“向前摔跤”。（小編注：即，要從每次錯誤中汲取教訓(xùn)）
8. Know when to quit. The other day, I wrote about the danger of the sunk-cost fallacy. Just because you’ve already paid $10 to see Indiana Jones and the Kingdom of the Crystal Skull, doesn’t mean you should sit through to the end. Be willing to cut your losses and walk away.
8. 要知道什么時候該退出。我曾經(jīng)寫到過沉沒成本謬論的危險性。就因為你已經(jīng)付了十塊錢去看奪寶奇兵4，不代表你就非要看完它。要樂于割肉、閃人。
滬江小編注：什么是沉沒成本（sunk cost）？
在經(jīng)濟(jì)學(xué)和商業(yè)決策制定過程中會用到“沉沒成本”（sunk cost）的概念，代指已經(jīng)付出且不可收回的成本。沉沒成本常用來和可變成本作比較，可變成本可以被改變，而沉沒成本則不能被改變。在微觀經(jīng)濟(jì)學(xué)理論中，做決策時僅需要考慮可變成本。如果同時考慮到沉沒成本（這被微觀經(jīng)濟(jì)學(xué)理論認(rèn)為是錯誤的），那結(jié)論就不是純粹基于事物的價值作出的。 相關(guān)解釋舉例來說，如果你預(yù)訂了一張電影票，已經(jīng)付了票款且假設(shè)不能退票。此時你付的價錢已經(jīng)不能收回，就算你不看電影錢也收不回來，電影票的價錢算作你的沉沒成本。
9. Assess the risks. “Asking yourself ‘a(chǎn)nd then what?’ can help you see all of the possible consequences when you’re struggling to make a decision — and can guide you to the smartest choice.”
9. 評估風(fēng)險。做決定前先問問自己“結(jié)果是什么？”，這能幫助你在糾結(jié)著要做決定時看清楚所有可能發(fā)生的后果，并能指引你做出最明智的抉擇。
10. Know what success really means. Success is different for each of us. Find what it is that brings meaning to your life, what makes each day important. Make this your focus. Buffett says: “When you get to my age, you’ll measure your success in life by how many of the people you want to have love you actually do love you. That’s the ultimate test of how you’ve lived your life.”
10. 懂得什么才是真正的成功？對我們每個人而言成功的定義都不同。找到那個對你生命真正有意義的、會對每一天都有影響的。專注其中。巴菲特說：“當(dāng)你到了我這個年紀(jì)，你會重新評估你的成功，你會在乎那些你想愛的人是不是真的愛你，這是對你一生過得如何的終極檢驗?！?/div>
