If you follow this rule, you'll see your debt shrink and your savings grow, and you won't feel deprived.
如果你遵循了这个法则，你将看到你的债务在减少，而你的储蓄在增加。你也不会再觉得拮据了！

Something — be it a car repair, an emergency root canal, or a job layoff — always comes up to throw you off your monthly budget. To keep these incidents from running you into debt, you need to have an emergency stash in an easily accessible account, preferably a money market account (they earn a little more interest than regular savings accounts).
总有些事会给你一个措手不及，打乱你的每月预算，比如修车、牙根治疗或是下岗之类的事。为了避免因为这些事而让自己背负债务，你需要准备一个随时可用的紧急账户，比较好的是货币理财账户（比起一般的储蓄账户，它们赚到的利息会更多一点）。


How much is enough? Easy. Track all of your spending for a month (including everything from your mortgage payment to lunch at the deli), and multiply that monthly total by three. That three-month operating budget is a scary number, eh? Well, this is the minimum you should have on hand in case the roof caves in (literally or figuratively) and you need some dough to get you through the rough spots. And don't worry if this money isn't accruing the big interest; it's there for emergencies.
多少钱才足够？很简单。记录下你一个月的总花销（所有林林总总的账目，从按揭支付到去熟食店吃午饭的开销），然后把月消费总额再乘以三。这份三月收支预算看着有些吓人，是吧？这个数字其实是你手头应该有的最低费用，用来防止意外的发生，不管是房子倒塌了还是出现其它意外。你需要一些钱帮你度过这些难关。如果这些钱不能产生很多利息，也不必担心，因为预留这些钱是为紧急状况准备的。


We're always making impulse purchases, from a pack of gum at the supermarket checkout line to that new Van Halen-meets-bluegrass CD. How can you stop your bank account from hemorrhaging? Take a page from the old-timers and shred your ATM card. Figure out how much cash you'll need each week for your regular, cash-based purchases (things like lunch at the cafeteria and your daily cup of coffee), head on over to the bank teller's window, and get your walking-around money for the week. With a finite amount of cash, you'll start to think twice before those spur-of-the-moment spending sprees.
我们不可避免地会冲动购物，比如在超市排队结账时会买一盒口香糖，或是在唱片店买一张范·海伦乐队新出的CD。你怎么做才能守住你银行里的钱而不是铺张消费呢？跟老前辈学一学，丢掉银行卡。你要算出每个月满足正常生活需要所花的现金数目（像在自助餐厅吃的午饭，你每天要喝的咖啡），接着径直走到银行柜台，取出你这一星期所需要的零花钱。因为金额有限，在你想冲动购物时，你就会开始再三考虑了。


There comes a time every month when the bills start piling up and you force yourself to sit down and write out all the checks. Well, there's one more check you should be writing — one to yourself. Jay Fine, a longtime financial planner based in Monroe, New Jersey, offers this easy way to put your retirement planning into high gear. "Put yourself on the payroll," he says. "Every month — or even better, every paycheck — make sure you set an amount aside for investment. A good number would be about 6 percent. Anything more would be great. If you have to, you can even write yourself a check to deposit or send to another account. But just as you pay your mortgage and your electric bill without fail, now you'll be making sure to pay yourself as well."
当账单开始堆积起来时，你就要逼着自己坐下来填写支付每一笔账单所需的支票。这样的事情每月都会有一次。但是还有一张支票你应该写，那就是一张写给你自己的支票。来自新泽西州门罗镇的长期理财规划师Jay Fine，给出了一个建议帮助你。他说：“每月为自己支付工资，确保拿出了一笔钱做投资。理想的比例是6%。如果更多，就棒极了。如果需要可以用自己的名义进行存款或是存在另一个账户里。就像你支付按揭和电费从没中断过一样，现在你要确保能一直为自己付工资。”


Mistakes are part of life. You should be more worried if you didn't make them because that means you aren't growing or learning.
犯错是人生的一部分，一旦你不再犯错，就应该开始警惕了，因为这意味着你没有进步，没有学到新的东西。

Don't judge a person based on what you see. It's probably because the way they act is just how they want you to see them.
不要根据你看到的去评价一个人，因为你看到的，有可能是他们想让你看到的。

The quickest way to receive love is to give; the faster way to lose love is to hold it too tightly; and the best way to keep love is to give it wings.
获得爱的最快途径是给予；失去爱的最快办法是握得过紧；维持爱的最好办法是给爱以双翅。

For Chinese parents who wrack their brains thinking of ways to send their kids to top universities, a recently released wealth list may make them think twice.
对于那些绞尽脑汁想把子女送进名牌大学的中国父母来说，最近发布的一份富豪榜可能会让他们三思而后行。

According to a new list that tracks China's young and wealthy, none of the wealthiest people born after 1980 graduated from Peking University or Tsinghua University, China's top two universities. About two-thirds of the rich 32-years-old-or-younger graduated from non-key universities, including vocational colleges.
据一份追踪中国年轻富豪的最新榜单显示，1980年后出生的富豪中，没有人毕业于北大或清华这两所中国顶尖学府。在这些年龄不超过32岁的富人中，有大约三分之二的人毕业于非重点大学（包括高职院校）。


That's a shift from the previous generation. Among 59 of those on the list born before 1980, five graduated from Peking University and two from Tsinghua. They include big-name entrepreneurs like Robin Li, chief executive of Baidu Inc., a graduate of Peking University, and Charles Zhang, CEO of Sohu.com Inc. of Tsinghua. More than half of billionaires in this age group graduated from first-tier universities in China.
与上一代富豪相比，这是一个转变。1980年以前出生的59名上榜富豪中，五人毕业于北大，两人毕业于清华。这其中包括一些知名企业家，如北大毕业的百 度公司(Baidu Inc.)首席执行长李彦宏和清华毕业的搜狐网(Sohu.com Inc.)首席执行长张朝阳。这个年龄段的亿万富豪中，有超过一半的人毕业于中国重点大学。

This list names the top 100 Chinese multi-millionaires in yuan terms, plus their universities and majors. It was compiled by sdaxue.com, the website of Tiantian Xiangshang Corp., an online company based in China's Jiangxi province. The company gathered information of individuals' wealth from prominent rich lists including those from Forbes China Rich List and Hurun China Rich List , among others, while adding the educational background of those on the list.
这份名单列出了中国前100位资产按人民币计算的千万富豪及其毕业院校 和专业。名单由上大学网(sdaxue.com)编制，这是江西天天向上网络科技有限公司(Tiantian Xiangshang Corp.)的一个网站。该公司从福布斯中国富豪榜(Forbes China Rich List)和胡润百富榜(Hurun China Rich List)等知名富豪榜上搜集了中国富豪的个人财富信息，同时还在榜单上添加了这些人的教育背景。

The list ranks the wealthy by age. Ding Shiyuan, born in 1990, is the youngest person on the list. He graduated two years ago from a local vocational college in Shenzhen, and his event organizing business, Dingding Culture Industry Development Co.,LTD, has given him wealth of 12 million yuan (1.8 million), according to the list.
该名单是按照年龄对富人进行排名的。1990年出生的丁仕源是榜单上最 年轻的富豪。榜单显示，两年前他毕业于深圳一所职业技术学院，现在执掌的活动策划企业丁叮文化产业发展有限公司(Dingding Culture Industry Development Co.)让他拥有1,200万元(合180万美元)的财富。


'Major and university are not symbols of success. What makes me successful is working hard and being realistic,' Mr. Ding told China Real Time.
丁仕源对“中国实时报”(China Real Time)栏目记者说，所学专业和就读的大学并不是一个人成功的标志，我的成功源于努力工作，脚踏实地。

Younger members of the list also mostly lack foreign education. Only six out of 100 people on the list have overseas experience in Japan, the U.S. or the UK, the list says.
榜单上那些较年轻的富豪大多都没有海外教育背景。榜单显示，上榜的一百位富豪中只有六人曾到过日本、美国或英国等国家。