如何让2020年成为你最赚钱的一年? 9个白手起家的百万富翁如是说

Dec 23 2019 发表于2019年12月23日2:59 PM EST

The Oracles 神谕
With the new year ahead of us, it’s time to start making your financial resolutions and create a game plan for you how you plan to achieve them.
新的一年即将来临，是时候开始制定你的财务计划，并为你如何实现这些计划制定一个游戏计划。
One of the smartest ways to do this is to learn from others who have (or have accomplished) similar goals. To help give you some ideas, we asked these self-made millionaires and Advisors in The Oracles to share their top money advice for 2020:
最聪明的方法之一就是向那些有相似目标的人学习。 为了给你提供一些建议，我们邀请了这些白手起家的百万富翁和 The Oracles 的顾问们分享他们对2020年的最佳理财建议:

1. ‘Invest in yourself.’

1. 投资自己

“My financial resolution is the same every year: to invest in myself. I blew all of my first commission on a fancy fur coat from Bergdorf Goodman. The minute I put on that coat, I knew it was the best $340 I’d ever spent.
“我的财务决心每年都是一样的: 投资自己。 我把所有的第一笔佣金都花在了一件波道夫·古德曼的皮大衣上。 我一穿上那件外套，就知道这是我花得最值的340美元。
Sure, I could have put the money into my growing business, but I knew I needed to invest in myself to get ahead. The coat made me feel like the queen of New York real estate, and everyone around me started to believe it.
当然，我可以把钱投入到我不断增长的事业中，但我知道我需要对自己进行投资才能获得成功。 这件外套让我觉得自己是纽约房地产界的女王，我身边的每个人都开始相信这一点。
Whether it’s a new coat to look the part, a massage to unwind, or just an afternoon off with a friend, you’ll never regret an investment in yourself.”
无论是一件看起来合适的新外套，一次放松的按摩，还是和朋友一起度过的一个下午，你都不会后悔对自己的投资。”
—Barbara Corcoran, founder of The Corcoran Group, podcast host of “Business Unusual” and investor on “Shark Tank”
ー科克伦集团创始人、“ Business Unusual”播客主持人、“ Shark Tank”投资人芭芭拉 · 科克伦

2. ‘Put your money to work.’

2. 让你的钱发挥作用

“Don’t leave your money sitting in the bank to depreciate. Put it to work with investments that have the potential to appreciate and will give you consistent cash flow.
“不要把你的钱放在银行里等着贬值。 把它与有潜力增值的投资结合起来，这会给你带来稳定的现金流。
And I’m not talking about buying a home. (Contrary to popular belief, a house is not an investment, because it doesn’t pay you every month. I’ve made my fortune investing in real estate, but that doesn’t mean all real estate investments are a good idea.)
我说的不是买房子。 (与普遍的看法相反，房子不是一种投资，因为它不是每个月都给你钱。 我通过投资房地产发了财，但这并不意味着所有的房地产投资都是好主意。)
Instead, make 2020 the year that you invest in yourself, like building skills that will make you better at your job.
相反，让2020年成为你投资自己的一年，比如培养能让你在工作中做得更好的技能。
—Grant Cardone, founder of Cardone Capital, a $750 million real estate empire. Follow him on Facebook, Instagram, and YouTube
ー价值7.5亿美元的房地产帝国 Cardone Capital 创始人格兰特•卡东内(grant Cardone)。 在 Facebook，Instagram 和 YouTube 上关注他

3. ‘Give more.’

3. 给予更多

“The secret to living your fullest life is giving. While there is peace in having financial security and comfort, neither means anything unless you help others and have gratitude.
“充实生活的秘诀就是付出。 虽然拥有经济上的安全感和舒适感是平和的，但除非你帮助别人并且心怀感激，否则这两者都没有任何意义。
That’s why my financial goal is to give two times more. I’ve opened a separate bank account for giving, where a percentage of my income is automatically deposited each month so I can easily donate to causes I care about.
这就是为什么我的财务目标是捐赠两倍以上。 我开了一个单独的捐赠银行账户，每个月我收入的一部分会自动存入银行，这样我就可以很容易地捐赠给我关心的事业。
I also give through my company, Nunbelievable. We donate two meals to help fight hunger for every dozen cookies we sell. A rising number of consumers prefer brands that support a social mission, so giving is also good business.
我也通过我的公司，Nunbelievable。 我们每卖出一打饼干，就捐出两顿饭来帮助对抗饥饿。 越来越多的消费者更喜欢支持社会使命的品牌，因此给予也是一项好生意。
We all have the power to touch others’ lives, extend gratitude and live more abundantly. Here’s to a new decade of giving more than we spend!”
我们都有能力触动他人的生活，表达感激之情，过得更丰盛。 这是一个新的十年，给予比我们花费更多! ”
—Kuda Biza, co-founder and CMO of Nunbelievable, co-founder of #ThisIsMyEra, and founder and board member of the Amani Hope Foundation. Follow him on LinkedIn
ー kuda Biza，Nunbelievable 的联合创始人和 CMO，# thisismyera 的联合创始人，Amani Hope Foundation 的创始人和董事会成员。 在 LinkedIn 上关注他

4. ‘Only spend a percentage of your income.’

4. 只花你收入的一部分

“Parkinson’s Law suggests that work expands to fill the time available for its completion. This also explains why we tend to spend what we earn — or more.
“帕金森定律表明，工作量的增加填补了完成工作所需的时间。 这也解释了为什么我们倾向于花我们赚的钱或者更多的钱。
As a family, our 2020 financial resolution is to live on 20% of our income and set aside the rest for savings, charitable giving, and investments. We’ve committed to mindfully keep our expenses consistent, even as our business and income grow.
作为一个家庭，我们2020年的财政决议是用20% 的收入生活，剩下的用于储蓄、慈善捐赠和投资。 即使我们的生意和收入在增长，我们也会谨慎地保持我们的支出不变。
That doesn’t mean we live in scarcity; we enjoy our lives while managing our resources. We use Mint to manage our personal accounts and QuickBooks to track our profit and loss, balance sheets, financial trends, and budgets (with help from our accounting team). Then we regularly review these reports together for visibility, transparency, and accountability.”
这并不意味着我们生活在匮乏之中; 我们在管理资源的同时享受生活。 我们使用 Mint 来管理我们的个人账户和 QuickBooks 来跟踪我们的损益、资产负债表、财务趋势和预算(在我们会计团队的帮助下)。 然后，我们定期一起审查这些报告，以确保其可见性、透明度和可靠性。”
—Lin Sun, CEO at Tiny Devotions and partner at Crimcheck
ー Tiny Devotions 首席执行官、 Crimcheck 合伙人孙林

5. ‘Be true to yourself (and the money will follow).’

5. 对自己诚实(金钱就会随之而来)

“My resolution is to connect my business goals with my personal values. This is more than a way of life — it’s the best way to build a successful business. While the quality of your product or service matters, even the best products don’t speak to people. People do. Consumers respond to authenticity and are increasingly good at detecting false promises and brand personalities.
“我的决心是将我的商业目标与个人价值观联系起来。 这不仅仅是一种生活方式ーー这是创建成功企业的最佳方式。 虽然你的产品或服务的质量很重要，但即使是最好的产品也不会对人们说话。 人们是这样做的。 消费者对真实性有反应，并且越来越善于发现虚假承诺和品牌个性。
When you’re true to yourself rather than trying to be likable, you win people’s respect — one of the most powerful assets a business can have. While you won’t be perfect and may lose an opportunity here and there, you’ll prove that your word is good, and credibility always translates to more dollars.
如果你对自己真诚，而不是试图讨人喜欢，你就会赢得人们的尊重ーー这是一家企业可以拥有的最有力的资产之一。 虽然你不会是完美的，可能会失去一些机会，但你会证明你的话是好的，信誉总是会转化成更多的钱。
Own your personality, reflect it in your brand and encourage your team and clients to bring their real selves to the table.”
拥有自己的个性，在自己的品牌中反映出来，鼓励你的团队和客户把自己的真实个性带到谈判桌上来。”
—Itzik Levy, co-founder and CEO of vCita, a comprehensive small business management platform; connect with Itzik on LinkedIn
ー vitzik Levy，vCita 联合创始人兼首席执行官，vCita 是一个综合性的小企业管理平台; 在 LinkedIn 上与 Itzik 取得联系

6. ‘Create a financial tracking system.’

6. 建立一个财务跟踪系统

“Put a system in place to accurately predict the next 12 months financially. It takes work to establish and maintain, but once you have a system in place, forecasting gets much easier.
“建立一个准确预测未来12个月财务状况的系统。 建立和维护这个系统需要一些工作，但是一旦你有了一个适当的系统，预测就变得容易多了。
First, determine how much income you’ll bring in throughout the next 12 months and create a budget for how you plan save or spend that money. Set up weekly or monthly checkpoint intervals, where you review your numbers to see how you’re tracking against your prediction.
首先，确定在接下来的12个月里你能带来多少收入，并为你计划如何储蓄或花费这笔钱制定一个预算。 设置每周或每月的检查点间隔，在那里你回顾你的数字，看看你是如何跟踪你的预测。
Finally, bake into your budgets opportunities to pivot should the numbers perform as, better, or worse than expected — so you don’t reach year-end completely off the mark. It’s not rocket science; just commitment to process, procedure, and accountability.”
最后，如果这些数字的表现比预期的好，或者比预期的差，在你的预算中安排一些转折点的机会，这样你就不会完全错过年底。 这不是火箭科学，只是对过程、程序和责任的承诺。”
—Dennis Najjar, co-founder of AccountingDepartment.com, a virtual accounting service for small businesses. Follow him on LinkedIn
ー dennis Najjar，中小企业虚拟会计服务 accountingdepartment.com 的联合创始人。 在 LinkedIn 上关注他

7. ‘Understand important financial metrics.’

7. 理解重要的财务指标

“Our resolution for the new year is to ensure that our team fully understands the different metrics that have the greatest impact on our financial targets and how those metrics relate to one another.
“我们新年的决心是，确保我们的团队充分理解对我们的财务目标影响最大的不同指标，以及这些指标之间的相互关系。
When you’re growing fast, it’s definitely simpler to just look at top-line sales; but it’s also critical to understand your customer retention rates, conversion rates, marketing spend, and how they all fit together.
当你快速成长的时候，只看销售额是绝对简单的; 但是了解你的客户保持率、转化率、营销支出以及它们如何组合在一起也是至关重要的。
We’ll execute by sharing our plans with key stakeholders within the business, getting their input, and then ensuring everyone on the team knows what they need to do to contribute to our financial targets.”
我们将通过与业务中的关键利益相关者分享我们的计划来执行，获得他们的投入，然后确保团队中的每个人都知道他们需要做什么来实现我们的财务目标。”
—Emma Watkinson, co-founder and CEO of SilkFred. Follow her on LinkedIn
ーー SilkFred 联合创始人兼首席执行官艾玛•沃特金森(emma Watkinson)。在 LinkedIn 上关注她

8. ‘Prepare for the four D’s.’

8. 准备好四个 d

“To become financially bulletproof, be smart and prepare against the biggest threats to your financial future: debt, death, divorce, and bad decisions.
“要在财务上刀枪不入，聪明点，准备好应对未来财务面临的最大威胁: 债务、死亡、离婚和糟糕的决定。
You need money to retire; so plan accordingly and learn how to save for a rainy day. Set aside funds for future investments, business expansion opportunities, and planned and unplanned situations. Make it a habit by using auto-deposit, so you don’t miss the money.
你需要钱来退休，所以相应地计划并学习如何存钱以备不时之需。 留出资金用于未来的投资、业务扩展机会以及计划内和计划外的情况。 养成自动存款的习惯，这样你就不会错过这笔钱了。
Always live below your means. The more successful you become, the more important it is to watch every penny. Once you aren’t as financially constrained, it’s easy to get caught up in the feeling of success and spend too much. Finally, watch out for hidden fees, including the ones from your financial advisors.”
总是量入为出。 你越成功，就越注意每一分钱。 一旦你不再经济拮据，就很容易陷入成功的感觉中，花费太多。 最后，要注意隐性费用，包括你的理财顾问的费用。”
—Gail Corder Fischer, co-founder and executive vice chairman of Fischer & Company, a leading global corporate real estate firm that provides consulting, brokerage, and technology solutions
ー gail Corder Fischer，Fischer & Company 的联合创始人和执行副主席。该公司是一家全球领先的房地产公司，提供咨询、经纪和技术解决方案

9. ‘Invest in real estate.’

9. ‘投资房地产’

“Find ways to get higher returns for your investments by networking or looking for the right deals. Even a few percentage points add up.
“通过人脉关系或寻找合适的交易，找到让你的投资获得更高回报的方法。 即使只是几个百分点的积累。
The difference between 10% and 15% returns might not seem like much in the short term, but over 30 years, that’s the difference between doubling your money four or seven times. Investing in real estate is a great way to do this.
10% 和15% 的回报率之间的差别在短期内可能看起来并不大，但是在30年内，这就是你的钱翻倍四到七倍的差别。 投资房地产是一个很好的方法。
To get higher returns on our investments, we network with developers who can deliver. We also leverage the size of our real estate brokerage, which had 700 closings in 2019, to create opportunities that we can offer people who want to invest with us and earn higher returns.”
为了从我们的投资中获得更高的回报，我们与能够交付的开发者建立了网络。 我们还利用我们房地产经纪公司的规模(2019年有700宗交易)来创造机会，为那些希望与我们一起投资并获得更高回报的人提供服务。”
—Daniel Lesniak, founder of Orange Line Living, broker at the Keri Shull Team, and co-founder of real estate coaching business HyperFast Agent; author of ”The HyperLocal, HyperFast Real Estate Agent″
ー丹尼尔 · 莱斯尼克，Orange Line Living 的创始人，Keri Shull 团队的经纪人，房地产教练业务 HyperFast Agent 的联合创始人，《 The HyperLocal，HyperFast Real Estate Agent’》的作者