普通上班族實現財富自由的思考

有時候在想，你可以選擇去上班做自己喜歡做的事，也可以選擇不去上班，如果你不去上班無論何時都不用恐慌，仍然可以養活自己，那真是自由的生活。有人打趣說那你要有一個有錢的老爸或嫁給一個有錢的人才行。

Sometimes you will think, you can choose to go to work to do your favorite things,or you can choose do not go to work, and still do not have to be panic, you can afford your life anytime, that's freedom of life. Someone joked that you gotta have a rich dad or marry a rich man.

如果你是普通的上班族，你也應該很想要這種生活。如何實現這種自由呢？

---答案是要想方設法實現你的財富自由。

If you are ordinary people worked in office,you must want to realize this kind of life as well.How to achieve such kind of freedom?The answer is to have financial freedom.

1滿足日常生活所需

有的人說普通上班族只要收入大於支出，很容易就可以實現財富自由，只要調整你的收入和支出，分清楚你所需要的和你所想要的，先滿足你需要的。

Meet the daily needs first

Some people said ordinary office worker is easy to achieve financial freedom as long as their income is higher than their expenses,you just need to adjust your income and expenses,distinguish what you need and what you want,meet your needs first.

你可能想要一部最新的IPHONE手機而且希望每年都可以換一部最新的手機，生活中實際上你需要的只是一部簡單的能打電話發信息的手機而已。

You may want a latest iphone and hope for an upgrade mobile phone every year,what you really need is just a simple phone to give a call or to send the message.

沒有人每天都需要一杯星巴克的拿鐵咖啡，所以你不會每天花這個錢在上面。也許我們想要的很多，這並沒有什麼問題。但不能掉入陷阱或者受廣告商及世俗的影響，比如結婚就一定要求男方有房子，車子和鑽石戒指。

No one needs a daily cup of latte at Starbucks, so you will not spend the money on it every day. Maybe we have a lot of wants, it's not a problem. But we can not fall into the trap or influced by advertisers and secular sense, such as the man must give his bride a house, car or diamond ring when married.

假如你花太多的錢，你的消費高於你的收入，你就必須重新調整你的需求，多找一份工作或者換更高工資的工作來滿足你的需求。現代社會只要你肯努力學習和提升就挺容易找到一份工作。

If you spend too much money, your consumption is higher than your income you have to re-adjust your needs, take a part time job or change the job of higher salary to meet your needs.As long as you continue to learn and upgrade yourself,you will always have a chance to find a job.

當你的需要得到了滿足，你就可以考慮你想要的。當你不再需要考慮基本日常所需，你就擁有了更多的選者權。也就擁有了財富自由。

When your needs are met, you can think about what you want. When you no longer need to consider the basic daily needs, you have more options. So you reach financial freedom.

2被動收入

普通的上班族，靠著上班領取的基本工資只夠支付日常所需，有時候很努力了，也僅僅是解決了衣食住行而已。如果你有一份好的工作，可以不斷升級加薪，但有時候你會遇到玻璃天花板，如果你沒有花時間上班，想要養活自己，就要有被動收入。

Passive income

Ordinary people works in office,their salary is only enough to pay for their daily needs, and sometimes even they work very hard,can only afford the basic necessities of life.If you have a good job, you can constantly upgrade the salary, but sometimes you will meet the glass ceilings.If you want to afford your life without going to work,you will need to have passive income.

『從經濟學角度講，當你的被動收入大於你的支出，你就實現了財富自由』

From economic point of view, when your passive income is higher than your expense, you realize your financial freedom.

這個被動收入要建設一個來源，比如自己創業，或通過自己或別人的一個平台，一個系統，通過自己某方面的特長本領，資源等獲得長期穩定具有複利效應的收入。

To have passive income you need to build an income source, such as starting an entreprise, obtain stability income in long-term with a repeating effect through a platform, a system or your own expertise of skills,resources etc.

3要做的幾點建議

✦選擇一個方向，發揮自己潛力

沒有方向，或者方向不準確，都沒辦法實行正確的行動，一定要有確定的方向，才能達到有效的結果。就像一顆樹，要有主要的枝幹，慢慢紮根，然後成為一顆繁茂的大樹一樣，這些主要枝幹就是你的方向。

Find the direction, without direction, or the direction is not accurate, you will not able to take action to achieve effective results.You must live like a tree,deeply rooted and spreading with main branches,these main branches are your directions.

發揮自己潛力，擁有某一領域的本領，這個領域需要什麼，然後很專註的深入鑽研。

Fullfill your own potential, have talent in a certain field,know what it needs in this field,and then focusing into depth study.

✦尋找複利源

複利源可以讓你取得被動收入，重複的或不受時間限制的收入。

Looking for a compound interest source

The compound interest source allows you to earn passive income, repeating income or income without time limited.

✦善於運用資源，抓住一秒鐘的機會

機會轉瞬即逝，同樣的資源，有的人能夠看到，有的人能夠靈活運用和把握，而有的卻讓它們可惜地消失。也許機會就在你身邊。

Be good at using resources and seize the opportunity in a second

Opportunity is fleeting, at the same circumstances, some people can see the sources,flexible use and grasp them, while the other people let them disappear in a pity. Maybe the opportunity is just by your side at the time.

✦自律,刻意練習

自律讓你擁有自由，有比較強的自控力和自我意識，才能堅持做好一件事情，往更好的方向發展，實現成功。掌握正確的實現方法，不斷地刻意練習才能取得有效的進步。

Self-discipline，Deliberately practice

Self-discipline allows you to have freedom, the one who has a strong self-control and self-consciousness,will lead a better direction in order to do a good job and to achieve success.

Master the correct way to achieve success,constantly deliberately practice to make effective progress.

✦重視結果

有時很努力了，沒有結果的行動，努力白費。所以想要有成果，要重視高質量的產出。

Pay attention to the results

Sometimes we worked very hard,but there is no result at the end,all efforts are in vain.if want to succeed we must have high quality output.

✦不斷嘗試，迭代升級

當你已經滿足自己日常所需，你就擁有更多的選者權，更廣闊的自主空間。可以追求更多自己想要的，進而豐富生命的色彩，你的生命將變得更加有趣。

Keep trying and upgrade

When you have met your daily needs, you have more options, a broader independent space. You can pursue more of your wants, and then enrich your life and your life will be more interesting.

4財富自由不是終點，是通往更豐富人生的里程碑。願你能實現願望，願你有陽光，有大海，有沙灘，自由翱翔。

Financial freedom is not the end,it is a milestone to a richer life.May you fulfill your wish, may you have sunshine,the sea,the beach,and the freedom to fly.

我是寫文化 思想 生活 的墨高訂閱號，歡迎你的關注！

本文由墨高訂閱號發布，2017年7月14日 轉載請註明出處！