Today I had lunch at Jimmy John’s and noticed a sign on the wall that showed Warren Buffet’s list of 10 Rules. I was so moved by it that I had to change tables in the middle of my sandwich just to get a closer look. Is it any wonder that he is one of the richest men in the world?

　　今天我在吉姆約翰餐廳吃中飯，注意到墻上寫的“股神巴菲特十 大致富秘籍”。我真是被那些規(guī)則觸動了，三明治吃到一半，我特意換了桌子離它近點兒好看清楚。(了解之后)我想不會有人質疑為什么他會是全世界最富有的人。

　　1. Reinvest your profits. “Even a small sum can turn into great wealth,” Schroeder writes, if you’re disciplined to not touch your profits. Let the power of compound interest work for you.

　　1. 把你現(xiàn)有的財富做再投資。就像史諾德寫到過的那樣：“再小的資金也能變成大財富”——只要你管好自己不亂花賺來的錢。要讓復利(compound interest)幫你賺錢。

　　2. Be willing to be different. Don’t follow the herd. Do what is best for you and your situation.

　　2. 要愿意與眾不同，把自己區(qū)別于蕓蕓眾生。做對自己和自己的處境有利的事兒。

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　　3. Never suck your thumb. Ah, how I could learn from this one. Buffett makes decisions quickly based on the available information. I tend to sit and stew about things. Acting decisively can give you an advantage and prevent procrastination.

　　3. 永遠都別吮手指。額……這個該如何理解呢?巴菲特會根據(jù)已有的信息很快做出決定。我則傾向于坐下來、好好把事情理清楚。果斷地做決定能夠給你優(yōu)勢位置、并避免耽擱事情。

　　4. Spell out the deal before you start. I stress this all the time: Don’t sign a contract unless you’ve read it (especially not a mortgage). Read the fine print. Understand what you’re getting yourself into.

　　4. 在做交易以前一定要搞明白了。我成天為這事兒煩呢：在簽合同以前一定要好好讀清楚(特別當合同不是分期付款時)。條款一點一點讀清楚，要知道自己正要做什么。

　　5. Watch small expenses. While it’s true that the big things matter, the little things do too. Frugality is an important part of personal finance. But this principle also applies when investing, which is one reason I’m a fan of low-cost index funds.

　　5. 小開銷也要謹慎。大事兒要緊這沒錯，但小事兒同樣也是的。節(jié)儉對個人理財來說是重要的一環(huán)。這個原則對于投資同樣適用，這也是為什么我喜歡低成本指數(shù)基金的原因。