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In summary, the end result in making a decision to own a house that is too expensive
总之，决定买很昂贵的房子
in lieu of starting an investment portfolio early on
而不是早早开始证券投资
impacts an individual in at least the following three ways:
将对一个人的生活在以下3个方面形成冲击：
1. Loss of time, during which other assets could have grown in value.
失去了用其他资产增值的时机。
2. Loss of additional capital, which could have been invested
本可以用来投资的资本
instead of paying for high maintenance expenses related directly to the home.
将用于支付房子高额的维修和保养费用。
3. Loss of education.
失去受教育的机会。
Too often, people count their house, savings and retirement plans as all they have in their asset column.
人们经常把他们的房子、储蓄和退休金计划作为他们资产项的全部内容。
Because they have no money to invest, they simply don't invest.
因为没钱投资，也就不去投资。
This costs them investment experience.
这就使他们无法获得投资经验。
Most never become what the investment world calls "a sophisticated investor."
多数人永远不会成为被投资界称为"成熟投资者"的人。
And the best investments are usually first sold to sophisticated investors,
而最好的投资机会往往都是先给那些"成熟投资者"的
who then turn around and sell them to the people playing it safe.
再由他们转手给那些谨小慎微的投资者。
My educated dad's personal financial statement best demonstrates the life of someone in the Rat Race.
我那受过良好教育的爸爸的财务状况，很好地描述了"老鼠赛跑"式的生活。
His expenses seem to always keep up with his income, never allowing him to invest in assets.
他的支出总是和他的收入持平，根本不可能去投资。
As a result, his liabilities such as his mortgage and credit card debts are larger than his assets.
结果，他的负债，比如抵押贷款、信用卡贷款总是比他的资产还多。
My rich dad's personal financial statement on the other hand
另一方面，富爸爸的财务状况
reflects the results of a life dedicated to investing and minimizing liabilities.
反映了致力于投资和减少负债的结果。
His assets greatly exceed his liabilities.
他的资产远远超过了负债。
A review of my rich dad's financial statement is why the rich get richer.
关于富爸爸的财务状况的分析说明了为什么富人会越来越富。
The asset column generates more than enough income to cover expenses,
资产项产生的收入足以弥补支出
with the balance reinvested into the asset column.
还可以用剩余的收入对资产项进行再投资。
The asset column continues to grow and, therefore, the income it produces grows with it,
资产项不断增长，相应的收入也会越来越多。
the result being the rich get richer!
其结果是：富人越来越富！
