刚拿的年终奖为何又没了:揭秘那些让你变穷的原因

You're much likelier to save if you have something to save for, especially if it's something important to you. Get some emotions on the line by thinking of specific reasons you're working so hard at your finances. Are you trying to save up for a house someday? A family? A new car? A much-needed vacation?
如果你打算为某些事情存钱，特别是一些很重要的事情，那么存钱就会很容易。好好想想你努力工作存钱为的是什么。你打算某年某月某天买套房？建立自己的家庭？买辆新车？期待已久的假期？

Put everything in perspective, and give yourself something to work for, by creating a vision board, which you can fill with images and words to illustrate your ideal life.
全盘考虑一番，给自己一个工作的理由。创建一个未来规划板，把对未来的美好生活添上去。

4. You're Scared of Your Own Power
4. 对于贫穷的恐惧

Your power to grow your money, that is. Investing may sound like an intimidating thing meant only for financial gurus, but you're missing out if you're too chicken to jump in. If you invested, then 40 years could turn $1,000 into almost $22,000. Meanwhile, that same $1,000 would leave you with only a little over $2,000 after 40 years if you put it in a savings account with 2 percent interest!
投资—你增加自己金钱的能力，乍听来似乎只为金融家而存在，如果你不敢投资，你就出局了。如果你投资的话，那么，40年的时间可以将1000美元变成22000美元。但是，如果你把同样的1000美元放到银行存起来，每年的利息是2%，那么40年后，你只能获得2000美元的利息。

That's not to say you should start picking random stocks. We recommend starting out with mutual funds or exchange-traded funds to make sure you have the most balanced portfolio to fit your goals.
但这并不是说你可以随便投资股票。在这里，我们推荐你从投资互惠基金或者营业基金开始，这样，你就可以确保投资于目标的平衡。

5. You're Paying Your Debts Wrong
5. 无法正确还债

Even if you're responsibly paying off your debts, you could be keeping yourself down if you're paying them in the wrong order.
还债是你的义务，这没有错，但是如果你没有正确的还债，只会让自己生活低下了。

Don't divide your payments equally among all debts, like credit card debt or your student loans. Those with the highest interest rates grow fastest, so focus on the most toxic debts first.
还债不要平均分配，例如，信用卡债务和助学贷款。高利率的债务增长也快，所以先偿还高利率债务。