I have come to realize that for most people, when it comes to the subject of money, they would rather play it safe.
我很明显地意识到,对大多数人来说,一旦涉及金钱的问题,他们宁愿安全行事。
I have had to field questions such as: Why take risks? Why should I bother developing my financial IQ?
我不得不回答诸如此类的问题:为什么要去冒险?为什么必须永不停止地提高自己的财商?
Why should I become financially literate? And I answer: Just to have more options.
为什么必须懂得财务知识?对此我的回答是:“就是为了获得更多的选择机会。”
There are huge changes up ahead.
我们的世界将会有巨大的变化。
There will be a hundred people like Bill Gates and hugely successful companies like Microsoft created every year, all over the world.
每年全世界都会产生100个像比尔盖茨那样的人,也会出现更多的像微软一样成功的公司。
And there also will be many more bankruptcies, layoffs, and downsizings.
当然,每年也会有更多的公司破产、裁员和精简机构。
So why bother developing your financial IQ? Because if you do, you will prosper greatly.
那么究竟为什么要努力提高自己的财商呢?如果你这样做了,你就会获得巨大的成功。
And if you don't, this period of time will be a frightening one.
如果不这样做,对你来说,这个时代就会让你恐慌。
Land was wealth 300 years ago. So the person who owned the land owned the wealth.
300年前,土地是一种财富,所以,谁拥有土地,谁就拥有财富。
Then that was factories and production, and America rose to dominance.
后来,美国依靠工厂和工业产品上升为世界头号强国。
The industrialist owned the wealth. Today, it is information.
工业家占有了财富,今天,信息便是财富。
And the person who has the most timely information owns the wealth.
谁拥有最新的信息,谁就拥有财富。
The problem is information flies around the world at the speed of light.
问题是,信息以光一样的速度在全世界迅速传播。
The new wealth cannot be contained by boundaries and borders as land and factories were.
这种新的财富不再像土地和工厂那样具有明确的范围和界限。
The changes will be faster and more dramatic. There will be a dramatic increase in the number of new multimillionaires.
变化会越来越快,越来越显著,百万富翁的人数会极大地增加。
There also will be those who are left behind.
同样,也会有许多人被远远地抛在后面。