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　　Even if you aren’t raking in millions, you can grow your wealth just by mimicking the financial habits and strategies of the ultra-rich. Here’s how.

　　即使你不属于百万富翁的行列，模仿超级富豪的理财习惯和理财策略也能积累财富。以下是具体方法：

　　Live within or below your means

　　生活水平应以财力为准

　　Living within your means is one of the best financial habits you can master.

　　在财力范围之内生活是人们可以掌握的最佳理财习惯之一。

　　Take for example billionaire investor Warren Buffett, who currently boasts a net worth of over $86.5 billion, yet still lives in the same house in Omaha, Nebraska, that he bought for $31,500 in 1958. Buffett is also famous for almost never spending more $3.17 for breakfast and still uses coupons.

　　例如亿万富翁投资家沃伦·巴菲特，他目前的资产净值已经达到了865亿美元，却仍住在内布拉斯加州奥马哈的房子中。巴菲特于1958年以3.15万美元的价格买下这套房产。巴菲特其他的著名事迹还包括早餐餐费从不超过3.17美元以及坚持使用优惠券进行购物。

　　And Amazon founder (and richest person the world) Jeff Bezos still drove a modest, Honda accord even after gaining billionaire status.

　　而亚马逊创始人杰夫·贝佐斯(也是世界首富)在成为亿万富翁后的座驾仍然是低调的本田雅阁。

　　Jay Leno, star of CNBC’s "Jay Leno’s Garage," never used his income from NBC’s "The Tonight Show," though he reportedly earned as much as $30 million a year. Instead, he continued to do stand up gigs and lived off that. "I’ve never touched a dime of my ’Tonight Show’ money. Ever," Leno previously told CNBC Make It .

　　据报道，CNBC旗下节目《杰·雷诺车库》的明星主持杰·雷诺年收入高达3000万美元，但是他从美国全国广播公司的节目《今夜秀》中挣来的钱却分文未少。相反，他坚持从事现场喜剧表演并以此为生。杰·雷诺曾在CNBC的节目《成功》上说：“《今夜秀》挣来的钱，我一分都没有动过，从来都没有动过”。

　　Why is it so important? Because it can help you stay out of debt and whatever you don’t spend you can invest, no matter how much or little that may be.

　　为什么这一点如此重要?因为这会帮助你远离债务纠缠，而省下的钱无论多少都能够用于投资。

　　Star of ABC’s "Shark Tank," Kevin O’Leary still uses the strategy though he’s worth multimillions: "What has really helped me in maintaining growth in my own personal investing is, anytime I pick up something I’m going to buy, I say to myself, ’Do I really need this?’" O’Leary says.

　　美国广播公司旗下节目《创智赢家》的明星嘉宾主持凯文·奥利里虽然已经身家千万，却仍然遵循这一策略。奥利里说：“我养成了一个习惯，这个习惯帮助我保持个人投资财富增长，那就是无论何时我拿起想买的东西，都要问问自己：‘我真的需要它吗?’”。

　　"Because if I don’t buy it, the money is going to be invested and make money every year for me while I’m sleeping."

　　“因为如果我不买这样东西了，这笔钱就能省下来进行投资，我睡觉时也能赚钱。”

　　Indeed, O’Leary even refuses to spen $2.50 on a cup of coffee , making his own at home instead.

　　的确如此，奥利里甚至不愿为一杯2.5美元的咖啡自掏腰包，而是在家自己制作咖啡。

　　Pay off debt

　　还清债务

　　While some debt might seem necessary — whether it’s to pay for college or to pay for a car to get you to and from your job — in general, the wealthy advise avoiding debt in all ways possible .

　　尽管某些债务似乎是必需的，无论是大学助学贷款还是车贷(为了方便上下班)，总的来说，富豪建议人们尽可能地规避一切债务。

　　"Shark Tank" star and tech billionaire Mark Cuban has had his fair share of struggles with credit card debt, in particular. Now, he advises others to nix credit cards and pay off any balance because the money saved on such high interest rates is better than any return you’ll get from investments.

　　《创智赢家》的明星嘉宾，靠技术发家的亿万富翁马克·库班尤其曾疲于应付信用卡的债务。如今，库班建议其他人停用信用卡，还清任何账单，因为与如此之高的利息相比，任何投资收益都会望尘莫及。

　　The same is true for other debt too, he says.

　　库班还表示，这一点同样适用于其他债务。

　　"Whatever interest rate you have — it might be a student loan with a 7 percent interest rate — if you pay off that loan, you’re making 7 percent. That’s your immediate return, which is a lot safer than trying to pick a stock or trying to pick real estate, or whatever it may be," Cuban says .

　　库班说：“无论你的负债利息是多少，比如一笔助学贷款的利息是7%。如果还清贷款，你的收益就是7%。这是笔即时收益，远比炒股、购房或其他形式的投资安全得多”。

　　O’Leary agrees: "If you want to find financial freedom, you need to retire all debt — and yes that includes your mortgage," the personal finance author and co-host of ABC’s "Shark Tank" previously told CNBC Make It.

　　奥利里表示赞同，他曾在《成功》上说：“如果你希望实现财富自由，就需要避开一切债务，当然包括按揭贷款”。奥利里是一位个人理财作家，也是美国广播公司《创智赢家》节目的主持人之一。

　　"Debt is evil," he says.

　　他说：“债务是邪恶的”。

　　Don’t just save, invest

　　不要一味储蓄，要学会去投资

　　While saving your money instead of spending it is a good habit to get into, the ultra-wealthy know that the real road to riches begins with investing.

　　尽管多储蓄少花钱是个好习惯，但是超级富翁们知道致富之路始于投资。

　　"Shark Tank" star O’Leary — who tells CNBC Make It he invested in his first stock in 1982 when he was in his 20s and not yet rich — preaches the importance of investing to take advantage of compounding returns .

　　奥利里作为《创智赢家》的明星主持，在《成功》上告诉观众自己在1982年20出头的年纪还称不上富有，那时自己就投资了第一支股票。奥利里努力向大众灌输通过投资从复利中获益的重要性。

　　"When you’re 21 years old, or 20 or 18 or 19 and you start putting aside 10 percent of what you make, you’ll [have] over $1,000,000 by the time you’re 65," O’Leary previously told CNBC Make It.

　　奥利里曾在《成功》上说道：“当你从20岁上下的年纪就拿出10%的收入进行投资，到65岁时就会有超过一百万美元的收益”。

　　As Warren Buffet describes it (using the explanation favored by his right hand man, Charlie Munger): It’s like "being at the top of a very large hill with wet snow and starting with a snowball and getting it rolling downhill."

　　按照巴菲特的描述(这一解释得到了其得力助手 的支持)：这种策略就像“高山巍巍，白雪皑皑，小小雪球立于巅，翻滚而下不得闲”所描绘的景象一样。

　　Many, from Cuban to Buffett, suggest index funds are a good place to start.

　　包括库班和巴菲特在内的众多富翁都向人们建议，指数基金很适合投资初学者。