个人理财的10个错误观念

New Roman" size=2>Someone once said that if you were to make a list of your 10 closest friends and acquaintances and order your earnings and theirs from smallest to greatest, you'd probably find yourself somewhere near the middle. All that this means is that we are subtly influenced by our friends, even when we're not aware of it, especially in matters of money. Being somewhere in the middle is probably more comfortable for the average person.

If you are that rare person at the high end of the list, then you probably don't need to read this article. If you are not, then find out what's holding you back. There are hundreds of personal finance myths which are either misunderstood, taken out of context, or just plain incorrect. Here are our top 25.

I don't deserve to be rich.
Why not? Intuition suggests that no matter which religion you follow, there are people who are successful and got there by honest means. What is wrong with that? Believing this myth cripples your willingness to be open to opportunities. Keep in mind that the government, Medicare, and other programs are not going to take care of you as much as you think.
Rich people are scum.
Or greedy, selfish, uncaring, or whatever. It's just that the scummy rich are more played up in the media because it sells newspapers. Of course, the rich didn't get that way by giving away their money. At least not until they are ultra-rich like Bill Gates, Warren Buffet, and others who have donated to the Bill & Melinda Gates Foundation. One principle you could live by is this: you can't help the poor if you are yourself poor. Idealism is romantic, but reality is more sobering. This is a variation of the belief that "money is the root of all evil." What the Bible really says is that "the love of money is the root of all evil" (Timothy 6:10). These are two wholly different things, but the misinterpretation causes some people, even whole societies, to shun money. Become wealthy, then start your own prosperity project and give away wealth to good causes of your choosing.
You have to have X dollars to be wealthy.
Wealthy is what you think it is for you. Don't try to keep up with the Joneses. Keep things simple. CNN Money has 10 rules for building wealth. [via LifeHack] Key is starting early, or at least starting now. Compound interest takes care of some of the growth, but if you are not keeping up with inflation, then you are not building wealth.

Those with obvious material wealth must be rich.
Experience suggests we humans get jealous or resentful for so many reasons, and witnessing someone's material wealth is often one of them. But don't be so sure that the neighbor with all the cool ATVs, skidoos, swimming pool, and latest car is actually wealthy (has liquid assets), or even happy. He/She could be deep in debt to maintain the facade.

Money makes you happy. Money makes you unhappy.
Well which is it? Money does not have the power in and of itself to make you happy or unhappy. There are happy poor people and miserable rich people. More money does help with the bills, provided you know how to manage your wealth. But people with more money can also spend more than necessary and actually end up with less. Read this money sermon by Coty Pinckney for a bit of insight.

There's only so much money in the world.
There isn't enough in the world for everyone to be wealthy. This couldn't be farther from the truth. Honest economists - yes, there are some - have said that there is more than enough money in the world for every single human being to live comfortably. Some people also believe that the Internet is the great leveller that will help redistribute at least some of the world's wealth, for those pioneers who participate.

Becoming rich is hard work.
It can be easier than you've been told. Dr. Marsha Sinetar's book Do What You Love, The Money Will Follow is one of the best guides for an organic approach to wealth. It also does not have to be linearly dependent on your earnings. It does not mean you don't have to work hard and smart at it at first, but it doesn't have to be "hard" in the sense that it's not enjoyable. And eventually, it gets easier to build your wealth - once you've made your mistakes.

Working hard and saving your money makes you rich.
These are components of becoming wealthy, but not by themselves sufficient. Saving is linear; investing increases your wealth. Jesus said to "multiply talents." This has been interpreted to mean that you should multiply your wealth. Do morethan save. Start by having a small sum automatically deducted from your paycheck each pay period and deposited into a 401(K) or Roth IRA.

Earning lots of money makes you rich.
Only if you actually save and invest it. If you spend it all, like some high-earning individuals, then you are not rich. Wealth is defined by liquid assets and investments, not how much you earn from a job. In fact, people who earn more money but have no plan for the so-called disposable income end up doing just that - disposing income. Some do it out of guilt of having "more than necessary", others because they feel they owe it to themselves to "have something nice", and still others to "keep up with the Joneses".
Pinching pennies is the way to wealth.
Hardly. What this really does is set up an emotional enivronment of lack, causing you to miss out on opportunities to gain wealth because you become focused on every little penny. In fact, penny-pinching is actually one common catalyst of divorce.