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      "title": "实现财务自由, 首先要分清资产和负债 / To achieve financial freedom, we must first distinguish between assets and liabilities!",
      "body": "<p>今天我们来聊一聊资产和负债，因为财务自由的第一步就是分清这两样东西。其实这两个词，大家可能再熟悉不过了，但是大家有没有想过这两个词的真正含义呢？</p>\n<p>Today we talk about assets and liabilities, because the first step in financial freedom is to distinguish between these two things. In fact, these two words, we may be more familiar with, but we have not thought about the two words of the true meaning of it?</p>\n<p><br /></p>\n<p>在正常的财务报表里，我们对它们的理解一般是这样的，资产是企业所拥有的，负债是企业欠别人的，那么对于我们个人来说，是不是所拥有的东西就都是资产呢？</p>\n<p>In normal financial statements, our understanding of them is generally so, the assets are owned by the enterprise, the debt is owed to others.</p>\n<p><br /></p>\n<p>我原来对这两个词也没有很深的理解。自从看了《穷爸爸，富爸爸》这本财务启蒙书之后，才开始思考什么才是真正的资产和负债那？我们过去所固有的划分概念是不是有失偏颇那？我们外在所拥有的东西，或者说别人能看见的，令人羡慕的，比如自住的大房子，在开的豪华车子，这些我们认为板上钉钉是资产的东西啊，其实有可能就是负债，是不是感觉没法接受啊，因为在个人理财的领域，<strong>负债的定义就是不停的让你流出现金，也就是为你带来负的现金流的一切的持有。</strong></p>\n<p>I didn't have a deep understanding of the two words. Since reading the &quot;poor dad, rich dad,&quot; the financial enlightenment, began to think about what is the real assets and liabilities that? The concept of division that we have in the past is not biased? Outside of our own things, or that others can see, enviable, such as from the big house to live, in the luxury car, these we think is that clinches it assets things ah, in fact it may is debt, is not feeling can not accept ah, because in the field of personal finance, <strong>the definition of liabilities is not stop let you cash outflow, also is to bring you a negative cash flow all hold.</strong></p>\n<p><br /></p>\n<p>我们举一个比较明显的例子吧，如果我买了一辆自驾车，看起来我们已经拥有它了，但是只要车到手那一天，我们就要不停的为这辆车支付各种附加费用，比如车险，加油费，停车费，保养费，而且啊这些费用都是持续的，一直要支付的，只要我拥有它一天，我就要一直为这些费用付费，这样看来，这辆车就是典型的负债了。</p>\n<p>We give a more obvious example. If I buy a car from, looks like we already have it, but as long as the hand car that day, we'll stop for the car to pay additional costs, such as auto insurance, fuel costs, parking fees, maintenance costs and these costs are sustained, has to be paid, so long as I have it for a day, I would have been these expenses paid, it seems, the car is typical of the liabilities.</p>\n<p><br /></p>\n<p><br /></p>\n<p>可能你会觉得，这样说有点儿冤枉，因为车这样东西，就算被定义为负债，可是因为它是工作和生活上的一个必须品，有时候我们确实需要买它，毕竟对一些家庭来说，它是刚性需求，所以买完车以后，需要支付的费用，我们也不能不缴纳啊。那么有没有什么样的负债是我们能控制的，又不是刚需的那？而且又是我们以前没有意识到的那？<strong>在这里，我想提出一个比较新的概念，那就是过度消费欲，因为按照负债的定义，只要是持续为你带来负的现金流的都是负债，那么有没有想过，潜藏在我们身边的，过度的消费欲望就是典型的负债那？</strong></p>\n<p>May you will feel, so that there are some wrong, because such things, even if is defined as liabilities, but because it is the work and life of a necessity, sometimes we do need to buy it, after all, for some families, it is rigid demand, so buying a car, are required to pay the costs, we also can not pay. So is there any kind of debt we can control, and not just need that? And we didn't realize that before? <strong>Here, I'd like to propose a new concept, that excessive consumption desire, because, according to the definition of liability, as long as it is continued to bring you in a negative cash flow are liabilities, so there is no thought, hidden in the US, excessive consumption desire that is typical of the debt?</strong></p>\n<p><br /></p>\n<p>首先让我们来看看什么是消费，它是为了满足某种需求而把钱花出去，可能是为了满足精神方面的需求，也可能是为了满足物质方面的。</p>\n<p>Let us first look at what is consumption, it is in order to meet the needs of the money to spend out, may be in order to meet the needs of the spirit, but also may be to meet the material aspects of the.</p>\n<p><br /></p>\n<p>如果只是看一场电影，吃一顿大餐，买一件当季需要的衣服，这样不会让你持续的现金流出的消费，其实无需太在意，但是无度的、高频的消费就很可怕了。那么它就像无底洞一样，把我们的口袋慢慢的掏空，而且由于它们的伪装性又很强，不会让我们有明显的察觉，比如说天天逛淘宝，买的那些几乎一次都没有穿的衣服，或者是囤积的那些明星们代言的，但是自己一用就过敏的化妆品，还有没有什么特殊理由的好友们的频繁狂欢，不醉不归之类的过度消费的行为。这些可怕的已经超出了你的正常承受水平的消费，其实就是一种典型的负债。</p>\n<p>If only to see a movie, eat a big meal, buy a when season clothes, so as not to let you keep the cash outflow of consumption, in fact, no need to care too much, but excessive, high frequency of consumption is very terrible. It is like a bottomless pit, like, the hollowed out of our pocket slowly, and due to their camouflage and strong, will not let us have a clearly perceptible, for example, frequent Carnival day visit Taobao, buy those almost at once did not wear clothes, or hoarding those stars endorsement, but his with allergic to cosmetics, there is no any special reason friends, not drunk do not return such as the excessive consumption behavior. These terrible has exceeded your normal level of consumption, in fact, is a typical liability.</p>\n<p><br /></p>\n<p>所以说，我们知道了什么是负债，也意识到了需要去减少负债，但是也不是非要省吃俭用，或者是过葛朗台那样的生活，而是做到理性消费，清除内心不正常的消费欲望，让每一分钱都花的有力量，至少要满足我们必须的物质和精神需求。</p>\n<p>So, we know what is a liability and is aware of the need to reduce debt, but not to live frugally, or is too Grandet as life, but do rational consumption, clear heart is not the normal consumption desire, let every penny spent powerful, at least to satisfy the material and spiritual needs we have to.</p>\n<p><br /></p>\n<p>接下来我们看看与负债对应的一方，资产吧！揪出了隐藏在队伍里的敌军，剩下的就是这些能给我们带来持续的，稳定的现金流的可爱的资产啦。注意，这里面有有两个关键字，持续和稳定，就像工资一样，而不是一次性的或者临时的。在这里，我同样举两个，我们认为是资产，其实并不是的例子。</p>\n<p>Next, we look at the balance of the corresponding side of the debt, assets! Uncover hidden in the ranks of the enemy, remaining is that these can bring sustained, stable cash flow of the lovely asset to us. Note that there are two key words, continuous and stable, just like the pay, not a one-time or temporary. Here, I also cite two, we think that is an asset, in fact, is not the case.</p>\n<p><br /></p>\n<p>1、比如说你刚刚被赠与了一套房子，但是由于某些特殊原因，在五年之内不能出租，更不能出售，所以这所房子也就不能给你带来稳定持续的现金流了，而且搞不好你还需要额外的去为它支付物业费和维修的费用。所以这套房子至少在这五年之内，肯定是不能被定义成资产了。</p>\n<p>1, for example, you've just been bestowed upon a house, but because of some special reasons, within five years can not be leased, more can not be sold, so the house cannot give you bring steady cash flow, but don't you also need extra to pay property costs and maintenance costs for it. So this house at least in this five years, certainly can not be defined as assets.</p>\n<p><br /></p>\n<p>2、再比如说你刚刚中了大奖，我们暂定为500万吧，可是你把它们全用来挥霍了，这500万现金本身没有为你带来任何正项的现金流，那么它当然也不能被定义为资产。</p>\n<p>2, for example, and then you just hit the jackpot, we tentatively scheduled for 500 million, but you put them all to squander the, the 500 million cash itself did not bring you any positive cash flow, then of course it also cannot be defined as an asset.</p>\n<p><br /></p>\n<p>在这里我们已经明确了什么是资产，什么又是负债，那么对于一个也继承不了什么大房子更中不了什么大奖的工薪阶层来说，我们的资产和负债就相对固定很多了，而且他们还是此消彼长的关系。同样一笔钱如果用来购买了负债，势必要影响到资产的数量。</p>\n<p>Here we have identified what is asset, what is a liability, so for a also inherit nothing big house more nothing award wage earners, our assets and liabilities is relatively fixed a lot, and they are reciprocal relationship. If the same amount of money is used to buy the debt, it is bound to affect the number of assets.</p>\n<p><br /></p>\n<p><strong>所以作为一个普通人，想要实现财务自由就应该时刻保持一个清晰的思路，主动的去降低负债和增加资产。</strong></p>\n<p><strong>So as an ordinary person, want to achieve financial freedom should always keep a clear idea, take the initiative to reduce debt and increase assets.</strong></p>\n<p><br /></p>\n<p>让我们再来梳理一下吧，在中国我们自己住的房子和开的车子，对于一个家庭来说，是稳定的象征，所以这两样东西，就算是被定义成了负债，也因为是刚性的需求而需要被特殊对待的。所以对于一个工薪家庭来说，资产就完全可以用可投资的现金来定义，负债就表示那些没有必要的消费，只要做到不断的控制和减少不必要的消费，而填充到现金的队伍里。这样就为财务自由打好了基础，然后一直保持这样明晰的思路和习惯，时刻提醒自己，要不断的增加我们可投资现金的量，因为它就是我们这个时期最大的一个资产。利用好它才能稳定的增加新的资产，也就是我们所说的钱生钱！</p>\n<p>Let us come back to comb, in China we live in their own house and car, for a family is as a symbol of stability, so these two kind things, even if it is is defined as the debt, also because is rigid demand and need special treatment. So for a working-class family, assets can with cash investment to define liabilities said those unnecessary consumption, as long as do the continuous control and reduce unnecessary consumption, and filled into cash team. For financial freedom laid the foundation, and keep such clarity of ideas and habits, constantly remind ourselves that to continue to increase the amount of investment cash, because it is in our time, the biggest one asset. Make good use of it in order to increase the stability of the new asset, that is, we say the money to make money!</p>\n<p><br /></p>\n<p>我还想再补充一句，<strong>其实现在这个时期，想稳定的增加额外的收入是件很难的事情，所以我们只能先做好节流，</strong>让现金的量稳定的增加。就像养一只金鹅，通过投资让这只金鹅不断下出金蛋。然后，我们再设定一个可以长期执行的稳定的投资策略，让资产可控的进行增长，最终当你通过投资产生的收益能够覆盖住你所有的支出的时候，恭喜你，你就已经实现财务自由啦。</p>\n<p>I also want to add a sentence, <strong>in fact, this period, want to increase the stability of additional income is a very difficult thing, so we can only do a good job throttling, </strong>so that the amount of cash to increase stability. Like a golden goose, through investment let this golden goose has a golden egg. Then, then we set a long-term implementation of stable investment strategy, let controllable assets of growth, when you through investment income can cover all your spending, congratulations you, you have to achieve financial freedom!</p>\n<p><br /></p>\n<p>最后送给大家一句话吧：</p>\n<p><br /></p>\n<p>           什么是资产？资产就是向你口袋送钱的东西。</p>\n<p><br /></p>\n<p>           什么是负债？负债就是把钱从你口袋掏出的东西。</p>\n<p><br /></p>\n<p>                                          ---罗伯特.清琦 《穷爸爸，富爸爸》</p>\n<p><br /></p>\n<p>Finally, give everybody a word:</p>\n<p>  What is an asset? The asset is something to send money to your pocket.</p>\n<p>  What is a liability? A debt is what you get out of your pocket.</p>\n<p>    --- Robert Qing Qi &quot;Rich Dad Poor Dad.&quot;</p>\n<p><br /></p>\n<p>原文链接:http://www.jianshu.com/p/601adbadf9a5</p>\n<p><br /></p>",
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