Self-made millionaire Steve Siebold spent 26 years interviewing some of thewealthiest people in the world before condensing his findings in his book "How Rich People Think."白手起家的百万富翁西博尔德（Steve Siebold）花了26年时间采访世界上最富有的人，随后将他的发现写入《富人怎么思考》（How Rich People Think）一书。
He found that the secret to getting rich "is not in the mechanics of money, but in the level of thinking that generates it."他发现发家致富的秘密“并不在于如何用钱，而在于如何思考”。
In addition to having larger bank account balances than most, rich people have different beliefs, philosophies and strategies.除了银行里的钱比大部分人多，富人们还有着不同于普通人的信仰、哲学和策略。
According to Siebold, there are endless ways the rich view the world differently from the masses. Here we've highlighted eight.西博尔德表示富人看世界的方式和平常人相比有许多不同，下文列出了其中比较明显的8种：
Rich people believe being wealthy is a right …while the average person believes being wealthy is a privilege.
富人认为变富是一种权利；普通人认为变富是一种特权。
"World-class thinkers know in a capitalist country they have the right to be rich if they're willing to create massive value for others," Siebold writes.
“世界级的思想家认为，在资本主义国家，只要愿意为他人创造巨大价值，变富就是一种权利”，西博尔德写道。
The masses think getting rich is reserved for a lucky few. "This distinction in thinking leads the middle class to the lottery and the world class to work," he says.
普通大众认为只有少数幸运儿能够发家致富。他说：“这种思维上的区别让中产阶级寄希望于彩票，而世界级的思想家寄希望于工作。
They [the wealthy] believe if they makelife better or easier for others, it's their right to be rich."
富人相信，只要他们使别人的生活更加容易或美好，他们就有资格变富。”
Rich people believe starting a business is the fastest way to make money …
while the average person believes starting a business is risky.有钱人相信创业是最快的挣钱方式；普通人认为创业是风险。
"The truth is, having a job is no safer than owning a business," Siebold argues. "As counterintuitive as this may seem, people who work for themselves have the power to proactively seek out business and increaserevenues at will."“事实上，有一份别人给的工作不比自己创业安全多少”，西博尔德表示，“这个论点可能看起来有悖常理，但为自己工作的人会主动寻求业务的增长和收入的增加。”
Of course, there are risks involved in starting a business, but wealthy people "know the greatest risk is not betting on themselves," Siebold says.当然，创业也是有风险的，但是有钱人知道，
他说：“最大的风险是不愿意在自己身上下注”。
While rich people launch businesses and profit from them, average peoplesettle for the steady paycheck and therefore miss out on the chance to generate a fortune, he says. "The masses almost guarantee themselves a life of financial mediocrity by staying in a job with a modest salary and yearlypay raises."
当有钱人自己做生意为自己赚钱，普通人只追求稳定的工资，这样他们就错过了创造财富的机会。“普通人选择了一份薪资普通、每年上涨那么一点儿的工作，也就选择了普通的经济状况。”
Rich people believe the wealthy are more savvy …while the average person believes the wealthy are smarter.
有钱人认为有钱人更有智慧；普通人也认为有钱人更聪明。
"If the key to building wealth was excellent grades in school, every summa cum laude college graduate would be rich," Siebold argues. "Amassingmoney has more to do with street smart savvy than your ability to memorize information and excel on exams."“如果财富是建立在学业成绩优秀的基础上，那么每个以年级第一毕业的学生都该非常富有了”，西博尔德表示，“对于积累财富而言，街头智慧比你能够记住许多知识并在考试时把它们默写出来重要多了。”
How do you become more savvy? Get inside the heads of people who are already rich, Siebold advises, and find out what they think and believe about money.
如何变得更有智慧？去和那些已经很有钱的人聊聊，西博尔德建议，看看他们是如何理解金钱的。
Rich people believe building wealth takes a team …while the average person believes building wealth is an individual effort.
有钱人认为建立财富需要团队；普通人认为发家致富是个人行为。
"The world class knows it takes a team to build wealth, and they focus much of their effort on finding the right people to leverage their actions and ideas," writes Siebold. "The greatest fortunes are built through the collective mental and physical contributions of a world-class team."
He contends that who you surround yourself with has more of an effect on your net worth than you may think.“世界级的富翁知道积累财富需要一个团队，所以他们非常重视寻找对的人共事”，西博尔德写道，“顶级财富是靠顶级团队的集体智慧和努力创造的。”
Rich people believe making money is simple …while the average person believes making money is complicated.
有钱人认为赚钱很简单；普通人觉得赚钱很复杂。
"The masses have always thought that rich people are smarter, luckier or more educated. Of course none of these things is true," says Siebold.“普通人都觉得富人更聪明、更幸运，或是受教育程度更高。这些都不是真的。”西博尔德说道。The rich know that money flows from ideas and problem solving, he writes. "The bigger the solution, the bigger the paycheck," he says. "Making money may not be easy, but it is simple. There is no mystery to getting rich, but this limiting belief stops most people from ever trying."富人知道如何把想法变成钱，如何解决问题。“解决的问题越大，挣的钱越多”，他说道，“挣钱也许不容易，但是很简单。挣钱没有奥秘，但是普通人受到想法的限制根本不愿意尝试。”
Rich people believe money is earned through thinking …while the average person believes money is earned through time and labor.
有钱人认为钱是通过思考赚的；普通人认为钱是通过时间和劳动赚的。
The middle class think about money in linear terms, Siebold explains, and "believe the only way to earn more money is to work more hours."
西博尔德说，中产阶级认为赚钱是线性的，并且“相信赚钱的唯一方式就是工作更长时间。”
"The wealthy know big money requires thinking about it in non-linear terms," he writes. "The rich know that creative thinking is the highest paid skill in the world. … Training your mind to find solutions to difficult problems is the real secret to making money."“有钱人知道赚大钱需要用非线性的方式来思考问题”，他写道，“有钱人知道创造性思维是世界上薪水最高的技能……训练自己面对复杂问题并找到解决方法的思维能力才是赚钱真正的秘密。”
Rich people believe money is liberating …While the average person believes money is controlling.
有钱人认为钱是自由；普通人认为钱是枷锁。
"The rich see money as a positive tool that has the power to create freedom and opportunity for themselves and their families,"Siebold explains.
“有钱人将钱看作一种正面的工具，可以为自己和家人创造自由和机会”，
西博尔德说道。
By contrast, the average person sees money as "the great oppressor," he writes. "While the world class sees money as a critical resource that opens up endless possibilities, the middle class is demonizing it and denying its importance. With a mindset like this, is it any wonder most people don't have much?"相比之下，一般人会把钱看作“压迫者”，“世界级的富翁们把钱看作开辟无限可能性的关键资源，中产阶级却妖魔化了他，否认他的重要性。都抱有这种心态，大部分人可不是没什么钱吗。”
Rich people believe in working for fulfillment …while the average person believes in working for money.
有钱人认为工作是实现自己价值；普通人认为工作是为了钱。
"The rich have always known working for the sole purpose of making money is the worst strategy for building wealth," says Siebold.
“有钱人知道，把挣钱当作工作的唯一目的，是积累财富的最糟策略”，西博尔德写道。Don't look for jobs with the greatest salary potential, he advises. Rather, "focus on work that has the most fulfillment potential. Once you find it, invest so much heart and soul into your work that you become one of the most competent people in your field. You'll be rewarded with uncommon wealth."
他建议不要找有巨大加薪空间的工作。相反地，“专注于那些能够给你实现自我价值感觉的工作。一旦你找到了，投入你全部的心血，你就会成为该领域最具能力的人。一定会有获得不菲的财富回报。”
