運(yùn)用奧林匹克精神創(chuàng)造財(cái)富并成為成功的企業(yè)經(jīng)營(yíng)者

1、運(yùn)用奧林匹克精神創(chuàng)造財(cái)富并成為成功的企業(yè)經(jīng)營(yíng)者P.O.W. Prisoner of War? 戰(zhàn)俘？ Prince of Wales? 威爾斯王子？ Power of Women? 女權(quán)？ Prisoner of Wishes? 願(yuàn)望的俘虜？ Prisoner of Work? 工作的俘虜？ Psychology of Winning? 勝利心理學(xué)？ Life is a perception through the eyes of the beholder - Its not what happens that really counts, its how you take it and wh

2、at you make of it 生活是一種透過(guò)旁觀者眼光的洞察力：真正重要的不是發(fā)生了些什麼事，而是您如何處理，並從中得到了些什麼Participants in the Game of Life生命遊戲的參加者 Spectators 觀眾 Losers 輸家 Winners 贏家EPEEEMThe Winners Circle贏家圈Winning in Life在生命中得勝Taking the potential you were born with and the knowledge and skills you have developed, and using them fully

3、to benefit others as well as yourself掌握你與生俱來(lái)的優(yōu)勢(shì)，以及你所發(fā)展的技能，發(fā)揮最大的功效使自己及其他人受惠Winning is an Attitude勝利是一種態(tài)度Your attitude is either the lock on or key to your door of success!你的態(tài)度不是銬住成功之門上的鎖，就是開(kāi)啟成功之門的鑰匙Secret 1: The Wealth Mentality秘訣 1：財(cái)富心智Poor貧窮Wealth is all material財(cái)富全是物質(zhì)面的Money is the root of evil金錢是

4、邪惡的根源I am my environment環(huán)境造就了我Poverty is a virtue貧窮是美德Ill always be broke我永遠(yuǎn)都會(huì)破產(chǎn)Wealth is quantity財(cái)富以量計(jì)算Scarcity mentality心智貧窮Rich富有Wealth is a state of mind財(cái)富是心靈的狀態(tài)Greed is the real evil貪心是最邪惡的I create my environment我造就我的環(huán)境Poverty is a prison貧窮是監(jiān)獄 I am temporarily broke我只是暫時(shí)破產(chǎn)Wealth is quality財(cái)富以質(zhì)計(jì)

5、算Abundance mentality心智富有 Whats holding you back?是什麼阻礙了你？Externals beyond your control?你無(wú)法掌控外在因素？Internals within your control?你可以掌控內(nèi)在因素？A thermometer reflects the temperature溫度計(jì)反應(yīng)溫度A thermostat sets the temperature溫度調(diào)節(jié)器設(shè)定溫度Setpoint/Comfort Zone設(shè)定點(diǎn) / 舒適區(qū)PERFORMANCE RANGE(COMFORT ZONE)表現(xiàn)範(fàn)圍(舒適區(qū))SETPOIN

6、T(SELF-IMAGE)設(shè)定點(diǎn)(自我形象)Setting Yourself Free獲得自由Life is what you make it. Its not what happens that counts, its how you take it.生活是由你自己創(chuàng)造。重要的不是發(fā)生了些什麼，而是你如何看待它。Past Conditioning = Present Behavior過(guò)去的狀態(tài) = 現(xiàn)在行為Present Inputs = Future Behavior Past Conditioning and Performance現(xiàn)在的投入 未來(lái)的行為及表現(xiàn) 過(guò)去的狀態(tài)Setting

7、Yourself Free讓自己自由You have been selling yourself short throughout your life你一生中都在將自己賣空You have more potential than you could utilize fully in a millennium在黃金時(shí)代中，你的潛力並未完全發(fā)揮Now is your time to win!現(xiàn)在是你獲勝的時(shí)候了！BEHAVIOR 行為SUCCESS TRAITS成功特點(diǎn)Self-confidence自信Ambition to achieve達(dá)成目標(biāo)的野心Mental toughness堅(jiān)強(qiáng)的心靈P

8、ROBLEM TRAITS不成功特點(diǎn)Lack of self-control缺乏自制Inflexibility缺乏彈性O(shè)ver-emotionality (most difficult to change because it is ingrained early in life)過(guò)度情緖化 (最難改變，因?yàn)殪渡缙谝迅畹俟?The Olympian Within內(nèi)在的奧林匹克選手You only sell you. The decision of the buyer is based on the value of the seller.你只銷售你自己。買家是根據(jù)銷售者的價(jià)值決定是否購(gòu)買

9、。You never close a sale, you open a long-term relationship你永遠(yuǎn)不會(huì)結(jié)束買賣，你展開(kāi)的是一段長(zhǎng)遠(yuǎn)的關(guān)係。 Self-Esteem is the deep down, inside the skin feeling of your own worth, regardless of your current performance.不管你目前的表現(xiàn)如何，自我評(píng)價(jià)是你內(nèi)心深處對(duì)自我價(jià)值的認(rèn)知。Successful People Believe in Their Dreams, When Thats all They Have to Hang

10、Onto成功人士相信自己的夢(mèng)想，那也是他們唯一必須堅(jiān)持的Bad News Sells 壞消息銷售Good news is like elevator music好消息就如同乏味的音樂(lè)一般Good news creates envy and resentment in those who feel unlucky好消息令感覺(jué)不幸的人妒忌和忿怒Bad news shocks, which is why violence sells tickets and lifestyles壞消息令人震驚，這也是暴力片賣座並引人仿效的原因Bad news makes viewers glad they weren

11、t the victims of the day壞消息令觀賞者感到愉悅，因?yàn)樗麄儊K不是那個(gè)受害者FEAR IS False Evidence Appearing Real恐懼是看來(lái)真實(shí)的虛假證據(jù)Ignorance “What will happen?”無(wú)知會(huì)發(fā)生什麼事？Prejudice “I cant forget what happened before”偏見(jiàn)我無(wú)法忘記從前發(fā)生過(guò)的事Premonition “It will happen again”預(yù)感這將再次發(fā)生SUCCESS ROADBLOCKS成功的障礙物The Fear of Catastrophic Danger - The U

12、nknown恐懼慘敗的危險(xiǎn)：未知The Fear of Change - The Unfamiliar恐懼改變：不熟悉The Fear of Failure - Rejection of Others恐懼失?。壕芙^他人 The Fear of Success - Self-Doubt & Guilt 恐懼成功：自我懷疑和罪惡感Overcoming Fears克服恐懼The Jungle is Neutral生存競(jìng)爭(zhēng)的叢林是中立的Knowledge, Training, Skills, Experience知識(shí)、訓(xùn)練、技能、經(jīng)驗(yàn)Role models, coaches and mentors 角

13、色模範(fàn)、教練和導(dǎo)師Courage and confidence come with knowledge and training伴隨知識(shí)和訓(xùn)練而來(lái)的勇氣和自信Acres of Diamonds鑽石就在你家後院Uncut Gemstones ofPriceless Potential未經(jīng)琢磨的寶石，具有無(wú)窮的潛力The Key to Positive Self-Esteem獲得正向自我評(píng)價(jià)的關(guān)鍵Paying Value to Others給予他人評(píng)價(jià)Accepting Value Paid to Me接受他人給予我的評(píng)價(jià)TIP is an acronym. The original meanin

14、g is “To Insure Performance.”TIP (訣竅) 是縮寫字。它原本的意思是確保成果。Building Self-Esteem 建立自我評(píng)價(jià)Praise and critique performance稱讚並評(píng)論表現(xiàn)Reinforce good behavior and help boost self-esteem after failures and setbacks加強(qiáng)好的行為，並在遭遇失敗及挫折後增進(jìn)自我評(píng)價(jià)Set example in hygiene and grooming設(shè)立衛(wèi)生習(xí)慣及裝扮的典範(fàn)Eye contact, personal communicat

15、ion style眼神接觸、個(gè)人溝通風(fēng)格Demonstrate positive self-talk示範(fàn)正面的自我對(duì)話Positive sign-on and sign-off daily每日進(jìn)行正面的標(biāo)準(zhǔn)設(shè)立及驗(yàn)收Dont criticize awkwardness or off-the-wall suggestions.不要批評(píng)笨拙或瘋狂的建議。The greatest self-esteem builder is to be there in person. Nothing speaks more of value and love than giving your time. 增進(jìn)自我

16、評(píng)價(jià)的最佳方法就是身體力行。沒(méi)有什麼是比花時(shí)間去做更重要。Building Self-Esteem 建立自我評(píng)價(jià)NON-SITUATIONAL INTEGRITY非情境式誠(chéng)實(shí)Being honest 24-hours-a-day, 7-days a week, and not compartmentalizing professional and personal behavior 全年無(wú)休的誠(chéng)實(shí)，任何時(shí)刻皆行為一致Life is like a field of newly fallen snow.生活就如同剛下完雪後的田野Where I choose to walk every step w

17、ill show我選擇散步之處，每一步都將清楚浮現(xiàn)Secret 2: Wealth Comes to Problem-solvers and Need-servers秘訣 2：解決問(wèn)題及滿足需求方能招攬財(cái)富潛水儀器（水肺）、嬰兒食品、船外馬達(dá)、戴爾電腦、星巴克Chase Your Passion, Not Your Pension追逐你的熱情，而不是退休金Discover what you love to do發(fā)現(xiàn)你熱愛(ài)做的事Discover what you do well發(fā)現(xiàn)你做得最好的事Find a need or problem that can use your talents an

18、d passion發(fā)現(xiàn)能運(yùn)用你天份及熱情的事Develop skills around your talents發(fā)展與你天份相關(guān)的技能Find successful role models and mentors尋找成功角色的典範(fàn)及導(dǎo)師Secret 3: Multi-Millionaires are Trend Spotters秘訣 3：巨富是那些能察覺(jué)趨勢(shì)的人Trends You Can Count On你可以依賴的趨勢(shì)Instant access to information立即的資訊管道Global economic and security interdependence全球經(jīng)濟(jì)及安全

19、獨(dú)立Everyone is at risk每個(gè)人都在冒險(xiǎn)Integrity in business and personal relationships has become critical企業(yè)及個(gè)人關(guān)係完善成為關(guān)鍵The Big Four Global Trends四大全球趨勢(shì)The Internet - Global e-Commerce網(wǎng)際網(wǎng)路：全球電子商務(wù)The Intranet - Relationship Bonding內(nèi)部網(wǎng)路：關(guān)係結(jié)合Personal Branding - Quality/Value/Integrity個(gè)人化品牌：品質(zhì) / 價(jià)值 / 完整Service Eth

20、ic - Under promise/Over deliver服務(wù)倫理：少承諾 / 多兌現(xiàn)Why China will be the Global Leader為什麼中國(guó)將成為全球領(lǐng)導(dǎo)者Human Capital 人力資本Human resources are more important than natural resources, in the knowledge era在知識(shí)時(shí)代，人力資源比自然資源更重要。Exporting superior services and products, at competitive prices, will rule the new economy以

21、具競(jìng)爭(zhēng)力的價(jià)格探究更優(yōu)質(zhì)的服務(wù)及產(chǎn)品，將主導(dǎo)新經(jīng)濟(jì)The Trends 趨勢(shì)Direct, Direct, Direct直接、直接、直接Goods and services will be like publicly traded stocks商品及服務(wù)將如公開(kāi)交易的股票Home-based businesses家庭事業(yè)Waiting for walk-in business will put you out of business等待輕易達(dá)成的事業(yè)將使你與事業(yè)無(wú)緣Florida USA (NORC)Florida USA (美國(guó)佛羅里達(dá)，全國(guó)民意調(diào)查中心)Health & Wellness

22、a $500 billion industry健康養(yǎng)生具有 5000 億的市場(chǎng)The online learning revolution上網(wǎng)學(xué)習(xí)大革命Prepare for wireless, hand-held webcom and wi-fi準(zhǔn)備迎接無(wú)線掌上型視訊攝影機(jī)及無(wú)線區(qū)域網(wǎng)路A Few Gazelle Businesses一些突飛猛進(jìn)的事業(yè)Wireless communication無(wú)線通訊On-line shopping/finance網(wǎng)路購(gòu)物 / 理財(cái)Alternate health remedies多種健康療法Training & retraining訓(xùn)練及再訓(xùn)練Speci

23、alized staffing專業(yè)幕僚Professional employer organizations (PEOs)職業(yè)雇主組織 (PEO)Day-care centers日間照護(hù)中心Assisted living養(yǎng)護(hù)中心Home-meal replacement家庭取代餐Energy generation發(fā)電Personal and Business Security個(gè)人及企業(yè)安全Womens sports女性運(yùn)動(dòng)Pet services寵物服務(wù)Coffee/juice/salad bars咖啡 / 果汁 / 沙拉吧21st CenturyHUMAN CAPITAL21 世紀(jì)人力資本T

24、alent, Knowledge, Skills, Experience, Creativity, Resourcefulness, Attitude天份、知識(shí)、技能、經(jīng)驗(yàn)、創(chuàng)造力、應(yīng)變能力、態(tài)度Increasing the Asset Value of Your Human Capital增加你人力資本的資產(chǎn)價(jià)值You must act self-employed from now on, moving from employee to entrepreneur你必須從現(xiàn)在開(kāi)始扮演自雇人員的角色You must view risk-taking as the only method of s

25、ecurity-making你必須視冒險(xiǎn)為確保安全的唯一方法You most focus on your core competencies, which is the key to success 你必須專注於你的核心能力，這是成功的關(guān)鍵You must be willing to invest the time and effort the rest of the population wont consider你必須樂(lè)意投資其他所有人不肯花費(fèi)的時(shí)間及努力Important Individual Skills重要的個(gè)人技能Must be able to communicate effect

26、ively in oral presentations and in writing必須能使用口語(yǔ)及書寫進(jìn)行有效溝通Must be capable of concise, accurate analysis of problems and solutions必須能簡(jiǎn)潔、正確地分析問(wèn)題及狀況Must be able to spell, without computer spell-check必須能正確拼字，而不需仰賴電腦拼字檢查工具M(jìn)ust be computer literate必須會(huì)使用電腦Must be a self-motivated, lifelong learner必須自動(dòng)自發(fā)、終生

27、學(xué)習(xí)Important Individual Skills重要的個(gè)人技能Must be comfortable with uncertainty and constant change必須能安於不確定及不斷改變Must be confident enough to risk making suggestions and mistakes必須具備足夠自信提出建議及面對(duì)犯錯(cuò)Must be trustworthy必須值得信賴Must be willing to “give first”必須願(yuàn)意先付出Must be passionate and considerate必須熱情並體貼Secret 4:

28、Multi-Millionaires have specific, clear focus秘訣 4：巨富具備具體清晰的專注焦點(diǎn)Focused Self-Direction專注的自我引導(dǎo)The reason most people dont reach their goals is they never really set them in the first place大多數(shù)人無(wú)法達(dá)成目標(biāo)的原因是他們從來(lái)沒(méi)有先設(shè)定目標(biāo)Most people spend more time planning a party or vacation than they spend planning their f

29、uture lives比起計(jì)劃未來(lái)的生活，大多數(shù)人花費(fèi)較多的時(shí)間計(jì)劃派對(duì)或假期The Gold Mine in Your Goal Mind你內(nèi)心的目標(biāo)金礦The mind deals with specifics, not vague ideas只有具體而非模糊的想法，才會(huì)在你內(nèi)心發(fā)生作用。The mind stores as reality, that which has been vividly and repeatedly imagined你的內(nèi)心會(huì)將不斷想像的鮮明意象當(dāng)作真實(shí)意象儲(chǔ)存。Dont live on “Someday Ill”不要心中想著某一天我將會(huì)過(guò)生活Focused S

30、elf-Direction專注的自我引導(dǎo)Purpose is the engine that powers our lives目的是驅(qū)動(dòng)我們生活的引擎Purposeful and Purposeless People具備目的及不具備目的的人Viktor Frankls “Search for Meaning”Viktor Frankl 的尋找意義What Eric taught us about Goal Setting關(guān)於 Eric 教導(dǎo)我們的目標(biāo)設(shè)定Basic Goal Elements (SMART)基本目標(biāo)要素 (睿智)S Set Goals that are SpecificS 設(shè)定

31、具體的目標(biāo)M Set Goals that can be MeasuredM 設(shè)定能夠測(cè)量的目標(biāo)A Set Goals that are AchievableA 設(shè)定能夠達(dá)成的目標(biāo)R Set Goals that are Real to YouR 設(shè)定對(duì)你來(lái)說(shuō)真實(shí)的目標(biāo)T Set Goals with Time DeadlinesT 設(shè)定具有時(shí)間限制的目標(biāo)Also set Goals with Pulling Power, that pass the Win-Win test並設(shè)定有驅(qū)策力、可通過(guò)雙贏考驗(yàn)的目標(biāo)GO FOR THE GOAL!全力向目標(biāo)衝刺！A professional goa

32、l within a year一年內(nèi)的專業(yè)目標(biāo)A personal goal within a year一年內(nèi)的個(gè)人目標(biāo)Try using 90-day or quarterly stair-step goals試著使用階段性的 90 天或季目標(biāo)Five years from now I expect to be living_, enjoying_, becoming _.從現(xiàn)在開(kāi)始 5 年後，我預(yù)期我住在_，享受_， 成為_(kāi)。Goals should be stated in the present tense as Images of Achievement, because you c

33、ant concentrate on the reverse of an idea.你應(yīng)使用現(xiàn)在式陳述目標(biāo)，以呈現(xiàn)達(dá)成目標(biāo)的影像，因?yàn)槟悴荒軐Ｗ㈧断敕ǖ姆疵?。You always move toward your currently, dominant thoughts你總是朝著你目前主要的想法前進(jìn)Images of Achievement達(dá)成目標(biāo)的意象Personal個(gè)人化的Positive正面的Present現(xiàn)在式的Precise確切的Possible可能的Powerful有力的Why do we do what we do when we know what we know?我們懂得應(yīng)該

34、如何去做，但是為什麼我們卻仍這樣做？Because we do what weve learned, which becomes a habit, even though we know better.即使我們懂得應(yīng)該如何去做，我們還是會(huì)依照我們所學(xué)得的方式去做，因?yàn)檫@已經(jīng)成為一種習(xí)慣。Resilient Self-Discipline富有活力的自我訓(xùn)練Self-Discipline is doing within, while you are without自我訓(xùn)練是做你不內(nèi)行的事First we make our habits, then our habits make us一開(kāi)始我們養(yǎng)成

35、習(xí)慣，然後習(xí)慣造就了我們Habits are rarely broken, they are replaced習(xí)慣很難戒除，只是被取代而已We learn by observation, imitation and repetition我們經(jīng)由觀察、模仿及不斷重複而學(xué)習(xí)Autogenic Training自體訓(xùn)練My arms and legs are heavy and warm我的手臂和腿沈重而溫暖My stomach is warm我的胃很溫暖My forehead is cool我的額頭很涼My heartbeat is slow and regular我的心跳緩慢而規(guī)律My brea

36、thing is relaxed and effortless我很放鬆地呼吸，毫不費(fèi)力The Habits of Excellence傑出的習(xí)慣Self-Imaging is goal rehearsal in a relaxed environment自我意象是在放鬆的情境下進(jìn)行目標(biāo)排演Verbal, visual and emotional scripting, in the present tense, as you see the achievement through your own eyes如同看見(jiàn)目標(biāo)達(dá)成般，使用現(xiàn)在式進(jìn)行口頭的、視覺(jué)的、情緒上的劇本編寫。At the Olym

37、pic level, this is known as visuo-motor-behavioral rehearsal (VMBR)以?shī)W林匹克標(biāo)準(zhǔn)來(lái)說(shuō)，這稱為視念動(dòng)行為複演 (VMBR)Vicious Cycle or Victors Circle惡性循環(huán)亦或贏家的循環(huán)Performance表現(xiàn) Self-Talk (feedback)自我對(duì)話 (意見(jiàn)反應(yīng))(preplay) Self-Talk(預(yù)先扮演) 自我對(duì)話Self-Image自我意象If you do it right in drill, youll do it right in life如果你能在訓(xùn)練中做到，也能在生活中做到Pr

38、actice makes permanent不斷地練習(xí)可使行為根深蒂固Simulation prevents the failure of the first attempt模擬可避免第一次嘗試就失敗Olympians dont try to win, they reflex to win Muscle Memory奧林匹克選手不設(shè)法獲勝，而是放鬆以獲得慣性反應(yīng)Winners in Life dont try to win, they recall what they have learned生活中的贏家不設(shè)法獲勝，而是回想他們所學(xué)過(guò)Secret 5:Multi-Millionaires un

39、derstand and employ compound interest秘訣 5：百萬(wàn)富翁瞭解複利並利用複利Compound Interest複利It is non-emotional非情緒面的It grows 24 hours per day, 365 days per year1 天 24 小時(shí)，1 年 365 天的增加。It works on holidays and takes no vacations假日也算，從不休假。It grows geometrically and exponentially, either as your slave or to enslave you呈幾

40、何及指數(shù)型增長(zhǎng)，不是你的奴隸，就是成為它的奴隸。Wealth is controlled by those who receive interest財(cái)富是由接收複利的人控制Poor People窮人Pay interest付利息Finance cars汽車分期融資Have high credit card debt高信用卡負(fù)債Think only of monthly payments只想到月付款Borrow money by increasing home mortgage靠抵押房屋借款Rich People富人Earn interest賺取利息Pay cash for depreciate

41、d luxury cars以較低現(xiàn)金購(gòu)買豪華汽車Use credit cards for business and pay balance each month商務(wù)上使用信用卡，並每月結(jié)算Think of purchase price考慮購(gòu)買價(jià)格Constantly focus on reducing debt不斷地專注於降低負(fù)債上Secret 6: Most Multi-Millionaires learn the value of money as children秘訣 6：大多數(shù)的巨富學(xué)習(xí)金錢價(jià)值的方式與小孩一樣Some spoil their children, but most pa

42、ss this value on有些人寵溺他們的小孩，但大多數(shù)人將此價(jià)值觀傳承下去Give your children “Roots and Wings”給你的小孩根與翼Teach your children to earn教育你的小孩付出才有收獲Give them a reasonable allowance給他們合理的零用錢Teach them to save教導(dǎo)他們儲(chǔ)蓄Give them set responsibilities at home指定他們?cè)诩抑斜仨氊?fù)擔(dān)的責(zé)任Let them experience consequences of their choices, except f

43、or those regarding personal safety除了會(huì)危害個(gè)人安全的事以外，讓他們體驗(yàn)自己選擇的後果Secret 7:Multi-Millionaires are comfortable with risk秘訣 7：千萬(wàn)富翁安於冒險(xiǎn)No risk, no reward不冒險(xiǎn)就沒(méi)有報(bào)償Seeking security is the greatest risk尋求安全是最大的冒險(xiǎn)Taking the calculated risk creates long-term security在計(jì)算範(fàn)圍內(nèi)的冒險(xiǎn)可建立長(zhǎng)久的安全Risk your free time and effort,

44、 but not your savings把你的自由時(shí)間及努力孤注一擲，而絕非儲(chǔ)蓄Dos and Donts 要與不要Dont ever buy an investment on the phone千萬(wàn)不要在電話中進(jìn)行投資Dont invest unless you can stand to lose it all除非你可以接受全部損失，否則不要進(jìn)行投資Dont use a financial planner who sells investments不要採(cǎi)用銷售投資產(chǎn)品的財(cái)務(wù)顧問(wèn)Dont pay minimum balances on credit cards不要只付信用卡的最低付款金額Do

45、nt invest in a mutual fund with a new manager不要與新的負(fù)責(zé)人投資共同基金Dont let market movements motivate your decisions不要讓市場(chǎng)波動(dòng)影響你投資的決定Dos and Donts 要與不要Do invest for the long term要做長(zhǎng)期的投資Do match your investments to your time horizon要以時(shí)間為考量進(jìn)行投資Do ask your bank to lower the interest rate on your credit card acco

46、unts要要求你的銀行降低信用卡利率Do pay your future as your first “bill” every month每個(gè)月要將你的未來(lái)當(dāng)作你的第一筆帳單投資Do have realistic expectations; no get rich quick schemes要具備實(shí)際的期望，不要做快速致富的計(jì)劃Do save at least 10 percent of your take-home pay each month每月至少要儲(chǔ)存你收入的 10%Secret 8:Multi-millionaires live frugally, beneath their mea

47、ns秘訣 8：相較於所得，千萬(wàn)富翁過(guò)著儉樸的生活New money is loud and showy; Wealth is silent and understated暴發(fā)戶愛(ài)招搖炫耀；真正的有錢人卻默默耕耘不張揚(yáng)(The farmer & the Hollywood promoter)(農(nóng)夫與好萊塢創(chuàng)辦人)Secret 9:Self-made multi-millionaires maximize their time and resources秘訣 9：白手起家的千萬(wàn)富翁將時(shí)間及資源增加到最大限度They focus on goal-achieving, more than tension-relieving activities與放鬆壓力相比，他們更專注於達(dá)成目標(biāo)First things, First 要事第一Emergency fund (3 to 6 months income)緊急基金 (3 至 6 個(gè)月的收入)Life insurance壽險(xiǎn)Disability income insurance失能保險(xiǎn)Health insurance健保Reduce debt first, then invest減少負(fù)債第一，投資其次Define financial security goals in advance預(yù)先定義財(cái)務(wù)保障Start