9个提示坚若磐石的财务健康状况从世界上最富有的人

While being rich may not automatically make you healthy, there's definitely something to be said for alleviating some of the stress that comes from financial woes. Here are some words of wisdom to help you along the path to financial health.

让我们面对现实：很少有人最终成为亿万富翁，甚至千万富翁。但是，这并不意味着平均乔或简不能从这些谁没有采取财政建议。作为财务健康，还可能对你的身体健康产生影响。事实上，一个2014的研究从日记心理科学发现之间的401（k）的捐款和其他的连接healthy lifestyle changes。

因此，虽然富有可能不会自动让你更健康，有绝对的东西来减轻一些来自金融危机的压力可说的。这里有一些智慧的话，以帮助你前进的道路财务状况。

1. Warren Buffet: Invest in Yourself

商业巨头Warren Buffett knowsthat no one can get rich without making an investment in a key player: yourself17。Think about where your weaknesses lie, and then do something about them. In a self-penned editorial piece for Forbes, Buffett admitted that he, like so many others, suffered from a fear of public speaking. He invested $100 in a public speaking course, which helped him get over his fear and take his career to the next level. This investment might be something as big as getting a college degree. It might be as small as buying a new suit that makes you feel confident. What matters is that the money goes to something that will help you succeed.

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2.卡洛斯·斯利姆·埃卢：尽早开始

这是从来都不会太早（或太晚）开始取得良好的财务决策。不管你的年龄（即使你之前没有多少投资）墨西哥商人卡洛斯·斯利姆·埃卢— who’s traded places with Bill Gates at the top of the list of richest people in the world once or twice — recommends starting now2。即使你不能够多投资，正确的事情现在比计划更好更晚一些（可能未通过之后）投入了很多。苗条的做法，他宣扬的东西：他在一家墨西哥银行买进股票时，他只有12岁！

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3. Kyle Taylor: Follow the 50-30-20 Rule

白手起家的百万富翁凯尔·泰勒，个人理财网站的创始人The Penny Hoarder, offered up advice for dealing with unexpected money, such as an inheritance or a bonus. He calls it the“50-30-20 percent rule,”我在这50%的钱nto a long-term savings account or an emergency fund4。Then 30 percent goes toward funding your lifestyle, and the remaining 20 percent is reserved for something fun, like a vacation or a “treat yo’self” purchase. It is responsible to save the majority of the money, but that division of cash allows you to feel like you get a little something out of it. Because what good is money if it can’t buy you a little fun from time to time?

4. Bill Gates: Measure Your Progress

每过一段时间，带你在你的职业生涯，并在实现自己的财务目标，其中的股票。在比尔和梅林达·盖茨基金会在2013年的年度信中，Bill Gates wrote“如果你设定一个明确的目标，并找到一个措施，将推动实现这一目标的进展可以达到惊人的进步。”保持良好的财务记录这一措施今年以来同比增速在你的投资，工资，奖金，佣金和其他收入来源5。

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5. Grant Cardone: Diversify Your Income

Best-selling author and entrepreneurGrant Cardonesuggests that you can only get rich if you have more than one flow of income. However, that doesn’t mean you should open up a restaurant while also launching an advertising firm. The sources should be what Cardone calls “symbiotic flows.” If you have that advertising firm, diversify your client base so you have checks coming from various sources. Branch out from print to digital advertising. Add a graphic design department. These sources of income are related, but they offer multiple opportunities for revenue.

6. Mark Zuckerburg: Take Calculated Investment Risks

这是世界上最富有的人的名单和Facebook的CEO和创始人对年轻的亿万富翁中，马克Zuckerburg有采取一些风险，当涉及到投资奢侈品。He recommendslooking into volatile, high-growth stocks as well as doing research in emerging markets to find new investments6。然而，一般的观点认为，那些谁是年轻可以安全地承受更大的风险（见第2号） - 无论是在退休账户或其他投资 - 谁比那些更接近退休年龄。

7.巴菲特：学会在什么时候发挥它的安全

Billionaire Warren Buffett, who is a bit more advanced in age than Zuckerburg, knows the importance of focusing on the fundamentals of investing.He recommends在拥有强大的年度现金流，以及那些不运行成为过时技术的风险企业寻找投资机会17。Buffett also advises against diversification when investing, but rather waiting for opportunities to buy good stocks and then go all-in (relatively speaking). Don’t pay attention to every headline you see to avoid overreacting when bad news comes along.

8.阿齐姆•普莱姆基：现场一个简单的生活

一些最富有的人在世界上的选择升级到只要他们有钱庞大的豪宅和豪华轿车。然而，亿万富翁沃伦·巴菲特 - 谁遗体living in his five-bedroom homethat he bought for $31,500 in 1957 — was引述的说法, “Toys are a pain in the neck” (likely due in part to the expensive upkeep required)3。

同样，吉姆·沃尔顿，沃尔玛创始人山姆·沃尔顿的儿子，据说驱动15-year-old pickup truck, and Indian business tycoon Azim Premji drove a Toyota Corolla before upgrading to Mercedes Benz E-Class — thathe bought used38。从这些人的教训：有时候，你并不需要通过房地产和汽车炫耀你的财富。

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What Do YOU Think?

How’s your financial health? What are you doing to keep your personal finances in check? Did you know that financial health is connected to physical health? Do you listen to any of these millionaires or billionaires for financial advice4? Are there other sources you trust? Share your thoughts, suggestions and questions in the comments below!