影响普通人蜕变为百万富翁的三大因素

Most high net worth Americans say they worked their way up from a lower class.
美国大多数高净值人士表示，他们是从下层社会一步步奋斗起来的。

That's according to a report released by U.S. Trust, based on a survey that asked 684 adults in the U.S. with $3 million or more of "investible assets" hundreds of questions.
这个结论来自于美国信托发布的一份报告，该报告是基于对美国684名拥有300万美元或更多的“可投资资产”的成年人所提出的包含数百个问题的一项调查。

About 77% of those surveyed said they grew up in the middle class or lower, including 19% who say they were poor.
大约有77%的受访者表示，自己出生在中产阶级或更低阶层的家庭，其中有19%的人甚至表示自己出生于穷人家。

And they credit their success to three somewhat surprising factors: Hard work, ambition and family upbringing. Respondents even went so far as to say that these influences were much more important than "connections" or "innate talent."
不过，他们将成功归功于3个令人意想不到的因素：辛勤工作、积极进取和家庭教育。受访者还表示，相对而言，这些因素比“关系”或“天赋”更为重要。

"The points seem to be so traditional in nature," said Chris Heilmann, the chief fiduciary executive at U.S. Trust, Bank of America's private wealth management firm. "It's about deeply held family values rather than an inheritance or existing wealth,"
美国银行私人财富管理公司美国信托的高管克里斯·海勒曼表示：“这些观点看起来是很传统的。家庭价值要比继承或现有的财富更具影响力。”

The survey was also a shout-out to strict parents. About 80% of respondents said their parents were firm disciplinarians. They also named "academic achievement," "financial discipline" and "work participation" as the family values that were most emphasized in their homes.
调查还显示，严格的父母也是绝大多数美国百万富翁成功的功臣。约有80%的受访者表示，父母对自己要求很严格。此外，受访者声称，“学术成就、财务约束和工作参与”也是他们的家庭教育中最为看重的几点。

"It indicates the American Dream seems to be alive and well," Heilmann said.
海勒曼说，“这表明美国梦仍然颇具生机，深入人心。”

Considering that some people might doubt that, Heilmann said that the results were "refreshing, encouraging and a bit surprising."
考虑到可能有部分人对此怀疑，海勒曼解释称，这个结果“很振奋、鼓舞人心，也有点出乎意料”。