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The Millionaire next door

时间:2006-11-08 16:00来源:互联网 提供网友:nerlly   字体: [ ]

The Millionaire next door


Twenty years ago we began studying how people become wealthy. 1)Initially1, we did it just as you might imagine: by surveying people in so-called up-scale neighbourhoods across the country. In time, we discovered something odd: Many people who live in expensive homes and drive 2)luxury cars do not actually have much wealth. Then, we discovered something even odder: Many people who have a great deal of wealth do not even live in up-scale neighbourhoods.

What is so 3)profound about these discoveries? Just this: Most people have it all wrong about wealth in America. Wealth is not the same as income. If you make a good income each year and spend it all, you are not getting wealthier. You are just living high. Wealth is what you 4)accumulate, not what you spend. How do you become wealthy? Here, too, most people have it wrong. It is seldom luck or 5)inheritance or advanced degrees or even intelligence that enables people to amass2 fortunes. Wealth is more often the result of a lifestyle of hard work, perseverance3, planning, and most of all, self-discipline.

Ask the average American to define the term "Wealthy", most would give the same definition found in Webster's. "Wealthy" to them refers to people who have an 6)abundance of material 7)possessions. We define "wealthy" differently. In this program we define the 8)threshold level of being wealthy as having a net worth of a million dollars or more. Based on this definition, only 3.5 million or 3.5% of the 100 million households in America, are considered wealthy. About 95% of millionaires in America have a net worth of between one million and ten million dollars. Much of the discussion in this program centers on this 9)segment of the population. Why focus on this group? Because this level of wealth can be attained4 in one generation. It can be attained by many Americans. 

Another way of defining whether or not a person, household or family is wealthy, is based on one's expected level of net worth. A person's income and age are strong 10)determinants of how much that person should be worth. In other words, the higher one's income, the higher one's net worth is expected to be, assuming one is working and not retired5. Similarly, the longer one is 11)generating income, the more likely one will accumulate more and more wealth. So higher-income people who are older should have accumulated more wealth than lower-income producers who are younger. For most people in America with annual realized incomes of $50,000 or more, and for most people 25 to 65 years of age, there is a 12)corresponding expected level of wealth. Those who are significantly above this level can be considered wealthy in relation to others in their income-slash-age 13)cohort.

Whatever your age, whatever your income, how much should you be worth right now? Here's a simple rule of thumb for 14)computing your expected net worth: 15)Multiply your age times your realized 16)pretax annual 17)household income from all sources except inheritances; divide by ten. This, less any inherited wealth, is what your net worth should be. For example, if Mr. Anthony O. Duncan is 41 years old, makes $143,000 a year, and has investments that return another $12,000, he would multiply $155,000 by 41. That equals $6,355,000. Dividing by 10, his net worth should be $635,500. Given your age and income, how does your net worth match up? 

Where do you stand along the wealth 18)continuum? If you're in the top 19)quartile for wealth accumulation, you are a P.A.W. or 20)Prodigious6 Accumulator of Wealth. If you are in the bottom quartile, you are a U.A.W. or Under-Accumulator of Wealth. Are you a P.A.W., a U.A.W., or just an A.A.W. - Average Accumulator of Wealth? 












1) initially [i5niFEli] adv. 最早

2) luxury [5lQkFEri] a. 奢华的

3) profound [prE5faund] a. 深刻的

4) accumulate [E5kju:mjuleit] v. 积聚

5) inheritance [in5heritEns] n. 遗产,遗传

6) abundance [E5bQndEns] n. 丰富

7) possessions [pE5zeFEnz] n. 财产

8) threshold [5WreFhEuld] n. 门槛,界限

9) segment [5se^mEnt] n. 段,节

10) determinant [di5tE:minEnt] n. 决定因素

11) generate [5dVenE7reit] v. 产生

12) corresponding [7kCris5pCndiN] a. 相应的

13) cohort [5kEuhC:t] n. 一群

14) compute7 [kEm5pju:t] v. 计算,处理

15) multiply [5mQltiplai] v.

16) pretax [5pri:tAks] a. 扣除税前的

17) household [5haushEuld] n. 家庭

18) continuum [kEn5tinjuEm] n. 闭联集

19) quartile [5kwC:tail] n. 统计学的四分位数

20) prodigious [prE5didVEs] a. 巨大的


1 initially 273xZ     
  • The ban was initially opposed by the US.这一禁令首先遭到美国的反对。
  • Feathers initially developed from insect scales.羽毛最初由昆虫的翅瓣演化而来。
2 amass tL5ya     
  • How had he amassed his fortune?他是如何积累财富的呢?
  • The capitalists amass great wealth by exploiting workers.资本家剥削工人而积累了巨额财富。
3 perseverance oMaxH     
  • It may take some perseverance to find the right people.要找到合适的人也许需要有点锲而不舍的精神。
  • Perseverance leads to success.有恒心就能胜利。
4 attained 1f2c1bee274e81555decf78fe9b16b2f     
(通常经过努力)实现( attain的过去式和过去分词 ); 达到; 获得; 达到(某年龄、水平、状况)
  • She has attained the degree of Master of Arts. 她已获得文学硕士学位。
  • Lu Hsun attained a high position in the republic of letters. 鲁迅在文坛上获得崇高的地位。
5 retired Njhzyv     
  • The old man retired to the country for rest.这位老人下乡休息去了。
  • Many retired people take up gardening as a hobby.许多退休的人都以从事园艺为嗜好。
6 prodigious C1ZzO     
  • This business generates cash in prodigious amounts.这种业务收益丰厚。
  • He impressed all who met him with his prodigious memory.他惊人的记忆力让所有见过他的人都印象深刻。
7 compute 7XMyQ     
  • I compute my losses at 500 dollars.我估计我的损失有五百元。
  • The losses caused by the floods were beyond compute.洪水造成的损失难以估量。
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