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8. Assets buy luxuries.
8．用资产来购买奢侈品。
If a person cannot master the power of self-discipline, it is best not to try to get rich.
如果一个人缺乏自律，最好别想着致富。
For while the process of developing cash flow from an asset column in theory is easy, it is the mental fortitude of directing money is hard.
因为从理论上来讲，从一项资产中获得现金流的过程是容易的，但是拥有控制金钱的坚强意志却是困难的。
Due to external temptations, it is much easier in today's consumer world to simply blow it out the expense column.
由于种种外在的诱惑，所以很容易在支出项上挥霍金钱。
Because of weak mental fortitude, that money flows into the paths of least resistance.
因为意志薄弱，金钱的流出简直是无遮无拦。
That is the cause of poverty and financial struggle.
这就是大多数人贫困并在财务困境中苦苦挣扎的原因。
I love my luxuries as much as anyone else.
我和其他人一样喜欢奢侈品。
The difference is some people buy their luxuries on credit.
差别在于有些人贷款购买奢侈品。
It's the keep-up-with-the-Joneses trap.
这是一个相互攀比的陷阱。
When I wanted to buy a Porsche, the easy road would have been to call my banker and get a loan.
而假如我想买一辆保时捷，最简单的方法可能也是给我的银行经理打电话，让他帮我申请一笔贷款。
Instead of choosing to focus in the liability column, I chose to focus in the asset column.
但实际上我不会这么做，我选择关注资产项而不是负债项。
As a habit, I use my desire to consume to inspire and motivate my financial genius to invest.
我习惯于用消费的欲望来激发并利用我的理财天赋去投资。
Too often today, we focus on borrowing money to get the things we want instead of focusing on creating money.
今天，我们关注的是借钱来买我们想要的东西，而不是如何才能创造财富。
One is easier in the short term, but harder in the long term.
这样做从短期来看很容易，但从长期来看却很难做到。
It's a bad habit that we as individuals, and as a nation, have gotten into.
不论是对个人还是国家来说，这都是一种坏习惯。
Remember, the easy road often becomes hard, and the hard road often becomes easy.
记住，轻松的道路往往会越走越艰难，而艰难的道路往往会越走越轻松。
The earlier you can train yourself and those you love to be masters of money, the better.
你能越早开始训练自己和自己所爱的人做金钱的主人，结果就会越好。
Money is a powerful force. Unfortunately, people use the power of money against them.
金钱是一种强大的力量，但不幸的是，有的人让金钱的力量反过来对付自己。
If your financial intelligence is low, money will run all over you.
如果你的财商很低，金钱就会超过你。
It will be smarter than you.
它会比你更精明。
If money is smarter than you, you will work for it all your life.
如果你不如金钱精明，你就将为它工作一生。
