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Most people have an opportunity of a lifetime flash right in front of them, and they fail to see it.
其实，大部分人一生当中至少会遇到一次大好的机会，只是他们自己没有看见而已。
A year later, they find out about it, after everyone else got rich.
一年之后，当他们猛然意识到那个机会的价值时，别人早就因此致富了。
Financial intelligence is simply having more options.
拥有理财能力就意味着拥有更多的选择机会。
If the opportunities aren't coming your way, what else can you do to improve your financial position?
如果机会并没按你的预想降临，那么你还能做点什么来改善自己的财务状况呢？
If an opportunity lands in your lap and you have no money and the bank won't talk to you, what else can you do to get the opportunity to work in your favor?
如果机会降临了，你却没有钱，银行也不帮你，那你又该做些什么来利用这一机会使自己受益呢？
If your hunch is wrong, and what you've been counting on doesn’t happen, how can you turn a lemon into millions?
如果你的预感是错误的，你所预计的事情并没有发生，你又如何将一笔小钱变成数百万美元？
That is financial intelligence. It is not so much what happens, but how many different financial solutions you can think of to turn a lemon into millions.
这就是理财能力。当你想要的没有出现时，你能想出多少种理财方法来把一笔小钱变成数百万美元。
It is how creative you are in solving financial problems.
这就要看你在解决财务问题上有怎样的创造性了。
Most people only know one solution: Work hard, save, and borrow.
可大部分人却只知道一种方法：努力工作、储蓄和借贷。
So why would you want to increase your financial intelligence?
那么，为什么你想提高自己的理财能力呢？
Because you want to be the kind of person who creates your own luck.
因为你想成为能够自己创造机遇的人。
You can take whatever happens and make it better. Few people realize that luck is created, just as money is.
你能够坦然地接受发生的任何事情，并努力使事情变得更好。很少有人知道机遇和金钱是可以创造的。
And if you want to be luckier and create money instead of working hard, then your financial intelligence is important.
如果你想更幸运一些，挣到更多的钱，而不只是辛苦工作，那么你的理财能力就非常关键。
If you are the kind of person who is waiting for the right thing to happen, you might wait for a long time.
如果你是那种只会等待“好事情”发生的人，那么，你就可能要等很长一段时间了。
It's like waiting for all the traffic lights to be green for five miles before you'll start your trip.
这就好比在动身旅行之前非要等到前面8公里长的路上所有的红绿灯都变成绿色一样。
