投资or存款？跟美国创业者学理财

 　　Startup founders² are just like us. They may know how to negotiate term sheets, but when it comes to their own personal finances, billion-dollar valuations be damned—they’re just as lost as we are.

　　企业家们和我们并没有什么两样。他们也许是投资协议的谈判高手，而当谈到个人理财的时候，这些亿万富翁们就摸不着头脑了——他们和我们一样不知所措。

　　An unscientific survey of 133 tech founders show most have nothing stashed³ away for retirement⁴—one entrepreneur even reported a negative balance in his savings⁵ and checking accounts. Still, it gives a fascinating glimpse into how founders manage their money.

　　一个非学术性研究调查了133位技术（公司）创始人，调查显示多数人没有为退休留下什么存款——其中一位甚至出现了支票和储蓄账户的严重不平衡。不过（这份研究）仍让我们瞥见了这些企业家们是如何理财的。

　　投资or存款？跟美国创业者学理财

　　Their bank account balances are surprisingly not outrageous⁶. Just seven have a cool million dollars or more lying around. The mantra of one founder¹: “You can’t save your way to being wealthy.”

　　令人大吃一惊的是：他们的账户余额也没有多到离谱。只有7位拥有100万美元或更多的存款。其中一位的口头禅说得好：“你无法通过存钱来变得富有。”

　　Forty founders say they have no other assets, liquid or illiquid. One 33-year-old founder—who has $15.4 million in cash and assets, $425,000 in retirement, and a 38% stake in his $40 million company—has this piece of advice: “Bet on yourself rather than on external investments (housing, stock market, etc.).” Uh huh.

　　40位企业家表示他们没有其他资产，不论是流动的还是非流动形式的。一名33岁的企业家——他有着1540万美元的现金及资产，42万5000退休资金，还有38%投在他价值4000万美元的公司里——给出了这样一条建议：“不要给外部投资（房产、股票等等）下注，给自己下注。”

　　All the while, most report no credit card or other type of debt. Two say they owed $1 million or more (again, likely a mortgage).

　　从始至终，大多数企业家一直宣称不使用信用卡或者其他种类的借贷。有两位说他们欠了100万美元或更多（老样子，很有可能是房贷）。

　　And what do startup founders actually pay themselves? Following the lead of many CEOs whose salaries are entirely⁷ based on performance, 28 startup founders say they take zero salary, and two earn $1 annually⁸. (This, of course, leaves out stock-based compensation; see next chart.) But most founders make less than six figures, probably less than the engineers working for them.

　　那么企业创始人到底怎么赚钱的呢？跟随工资完全取决于他们表现的首席执行官的带领，28位企业创始人说他们没有工资，另外2位说自己年收入为1美元。（这当然不算股权收入；详情看下一张图表。）但是大多数企业家赚的钱少于六位数，也许比为他们工作的工程师还少。

　　Three founders say they own none of their company—these founders all have salaries between $100,000 and $200,000. In contrast, 40 retain 100% ownership, but most have between 20% and 39%.

　　三位企业家说他们并没有“拥有”自己的公司——这些企业家都有10万美元到20万美元之间的工资。与此相反的是，40位企业家100%拥有自己的公司的股权，但是大多数只拥有20%到39%的股权。

1 Founder   

n.创始者，缔造者

参考例句：

• He was extolled as the founder of their Florentine school.他被称颂为佛罗伦萨画派的鼻祖。
• According to the old tradition,Romulus was the founder of Rome.按照古老的传说，罗穆卢斯是古罗马的建国者。

2 founders   

n.创始人( founder的名词复数 )

参考例句：

• He was one of the founders of the university's medical faculty. 他是该大学医学院的创建人之一。 来自辞典例句
• The founders of our religion made this a cornerstone of morality. 我们宗教的创始人把这看作是道德的基石。 来自辞典例句

3 stashed   

v.贮藏( stash的过去式和过去分词 )；隐藏；藏匿；藏起

参考例句：

• She has a fortune stashed away in various bank accounts. 她有一大笔钱存在几个不同的银行账户下。
• She has a fortune stashed away in various bank accounts. 她在不同的银行账户上秘密储存了一大笔钱。 来自《简明英汉词典》

4 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。

5 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

6 outrageous   

adj.无理的，令人不能容忍的

参考例句：

• Her outrageous behaviour at the party offended everyone.她在聚会上的无礼行为触怒了每一个人。
• Charges for local telephone calls are particularly outrageous.本地电话资费贵得出奇。

7 entirely   

ad.全部地，完整地；完全地，彻底地

参考例句：

• The fire was entirely caused by their neglect of duty. 那场火灾完全是由于他们失职而引起的。
• His life was entirely given up to the educational work. 他的一生统统献给了教育工作。

8 annually   

adv.一年一次，每年

参考例句：

• Many migratory birds visit this lake annually.许多候鸟每年到这个湖上作短期逗留。
• They celebrate their wedding anniversary annually.他们每年庆祝一番结婚纪念日。