Transcript 109. 抵抗經濟不景氣(困境) ，剩者為王

唐冠軍教室 珠璣集
109. To defeat the economic recession, “preservation is king.”
109. 抵抗經濟不景氣 (困境) ，剩者為王
導向成功的金玉良言 --- 成功秘碼 60條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。
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A man must always have an ace up his sleeve just in case, for whoever does
will likely come out on top in the end.
「人要保留一份實力，以備不時之需。誰有備份的力量，誰就是王。」
Whoever has the ace up his sleeve will be the victor—the ace being a person’s
cash savings. In harsh economic times, whoever holds the cash is king.
「誰有備份的力量，誰就是王。這裡所稱的備份力量就是指你的現金存款。因應經濟
不景氣，誰握有現金，誰就是王。」
In a bad economy, we have to readjust our lifestyle, evaluate past failings,
and get ready to start anew.
「面對經濟不景氣，正是我們調整生活步調的時候，也是我們檢討過失，重新出發
的時候。」
A person can only develop resilience and fortitude through adversity. The
tougher the circumstances, the more it will bring out your potential.
「人在逆境中，才能學到奮發圖強。愈是逆境，愈能激發出你的潛能。」
Without suffering setbacks, you will never know better; setback is your best
teacher.
「不受一點挫折，你就不長一智。挫折是你最好的老師。」
A man with no pressure tends to slack off. We must see pressure as a
source of motivation, and transform it into a driving force. Those who can
withstand pressure become motivated instead, and become stronger for it.
「人沒有壓力，就會懶散。我們要視壓力為一種動力的來源，變壓力為動力。不被
壓力打倒，就能取得動能。能夠抵抗壓力的人，就是強者。」
Crisis is but a type of opportunity. The wise always see opportunities in
times of crisis and amidst challenges, and always manage to carve out a
path through adversity.
「危機就是轉機。能夠在危機中找到機會，能夠視挑戰為機遇，能夠在困境中找到
活路的人，就是智者。」
As cost of living continues to rise, we have to earn more in order to maintain
an ideal living standard. We have to really put in the hard work if we wish to
have a steadily rising income.
「生活費持續升高，如果我們想要跟上生活質量(水平)，就要多賺錢，如何堅持經
濟收入持續發展，就要靠努力打拼。」
The saying goes: “Winners wear a crown, losers wear a frown.” I say, “those
with money to spare wear a crown, those without wear a frown.”
「俗語說：「勝者為王，敗者為寇。」 吾人說：「剩者為王，不剩者為敗家子。」
Mountains of silver and gold won’t last in the hands of a spoiled rich kid.
「金山、銀山碰到敗家子也會有吃光光的一天。」
Even a sure-fire investment opportunity is meaningless to those without the
cash to invest.
「沒有儲蓄 ( 現金 ) 的人，縱使有投資發財的機會給你，也起不了作用。
Without the financial prowess to back you up, you can’t expect to accomplish
great deeds. You can’t do much good without enough cash at your disposal.
「沒有實力，不足以成大事，沒有現金在手就沒有好康的事。」
Some say that money is king. At a time of pervasive unemployment and
budget cuts, everyone is earning less. Whoever can have substantial savings
or cash at their disposal are the kings of their own fate; hence, “cash is king.”
「俗語說：Money is King 。碰到不景氣，工作又難找，又遇上公司裁員與減薪的情
況下，人人的口袋都縮水了，這時能有大量儲蓄 ( 現金 ) 的人就是王，所以說：Cash
is King。」
Winners are those who come prepared, have back-up resources, and always
with enough cash at hand.
「有準備的人、有備份力量的人，有現金在手上的人，就永遠是王(勝利者) 。」
People with savings can rely on it to get through the hard times. Hence, “he
with strength in reserve is king.”
「 當困難來到時，平時有積蓄的人，就可以用他的積蓄來渡過難關，所以說：「剩者
為王。」
When a perfect investment opportunity presents itself, only the well-prepared
few with enough savings will be able to seize it. Hence, “he with strength in
reserve is king.”
「當機會來到時，平時有準備的人，就可以用他的積蓄來投資，所以說：「剩者為
王。」
You should constantly strive to hone your skills while learning a wide variety
of new knowledge to prepare for any unforeseen circumstances. These skills
and knowledge will surly come in handy when changing careers or starting a
new business. Hence, “he with strength in reserve is king.”
「平時不斷虛心學習，努力求精進，且要學得多樣化技能/ 技藝，儲備知識以備不時
之需。具有多樣化才能 / 知識，在轉業或創業時就能派上用場，所以說：「剩者為
王。」
If you have money, education, and knowledge, you can easily get through the
tough times. The savings, education, and knowledge is accumulated through
years of hard work. Hence, “he with strength in reserve is king.”
「面對困境，如果你有錢 ( 積蓄 )、有學問、有知識，你就可順利渡過難關。這些學問、
知識、積蓄，就是你平時努力的結果，所以說：「剩者為王。」
When you learn, you build strength through knowledge. When you save, you
build strength through money.
「學習就是在儲藏知識的力量。儲蓄就是在儲藏金錢的力量。」
Life is unpredictable, which is why we must always have a plan B. Those who
don’t put themselves at great risks—lack of preparation can be very dangerous
indeed.
「天有不測的風雲，所以說做 什麼事都要有備胎，沒有備胎的人就是陷自己於危險之
中。沒有準備的人是很危險的。」
Every man creates his own destiny. Thus a man without a plan B will inevitably
suffer through a hard life.
「一個人的命運由他自己塑造而成。沒有備胎的人生，其人生一定極其坎坷 (辛苦 )。」
Luck is for those who are prepared. The well-prepared will always find the
happiness they seek.
「幸運是給有準備的人。誰有準備，誰就得到幸福。」
Some people never stop complaining about having bad luck or too much
pressure, unaware of the fact that they themselves are to blame, that their lack
of proper preparation brought about their failures.
「人們常抱怨運氣不好、壓力過大，其實是他們自己先犯了錯，沒準備好備份的力
量。」
A man who won’t put up a fight for his destiny will be doomed by it. The
unprepared can never find happiness or success.
「不向命運抗爭的人，就會被命運吞噬，沒有事前準備的人，就不會有機會得到幸福 /
成功。」
To change your fate is to create your destiny.
「能改變命運的人，就是創造命運的人。」
Those who think ahead and prepare for anything will always emerge as victors
in the end.
「只有未雨綢繆，有所準備的人，才能夠成為真正的剩者為王。」
Don’t expect to be the best at everything, but if you understand that
preparation brings you victory, then victor you shall be.
「不要想你能夠處處嬴過別人，但只要是你能懂得剩者為王的道理，你就可以處處比
別人強。」
A man must never be full of himself. He who knows how to forgive, yield to
others, reflect on his own misgivings, and improve upon himself is a
resourceful, well-prepared winner.
「人不可驕傲、不可自滿。懂得寬恕、懂得謙讓、懂得自省、懂得修身的人，就是懂
得保存實力、剩者為王的人。」
Fate isn’t sheer luck, nor is it bestowed upon you by god. Fateful
opportunities are meant only for the ready and prepared.
「命運不是運氣，命運不可靠上天賜予，命運/機會只會給事前有準備的人。」
Don’t wait for opportunities to come your way— make your own luck. People
who understand the importance of preparation use what time they have to
build themselves a prosperous life, whereas those who do not are led to
decay and destruction.
「等待機會/運氣，不如創造機會/運氣。懂得剩者為王的人，就是在創造光明人生，
不懂得剩者為王的人，就是在毀滅自己。」
Life doesn’t just go by one script. Throughout your lifetime, you are bound to
play more than one role, so equip yourself with all sorts of props in order to
give your best performance and create a happy ending.
「人生不會只有一齣戲，你也不可能一輩子，只演一個角色，所以你要準備好各色各
樣的演技與道具，這樣你才能把戲演的完美，輕鬆自如，最後來一個喜劇收場。」
Life is more than just a single battle. Throughout your lifetime, you are bound
to face more than one battle; therefore you must equip yourself with all kinds
of weapons to give your best fight. To be a winner, you must ready yourself
for any challenge.
「人生不會只有一埸戰爭，你也不可能一輩子，只打一場戰爭，所以你要事前準備好
各色各樣的戰鬥技巧與裝備，才能把戰打的漂亮，你要想成為嬴家，你就要事前準備
好各種的挑戰。」
There is always hope for the well-prepared, and those who are not are
preparing to fail. We cannot defeat a giant with a pebble, nor can we win a war
with no weapons.
「有準備的人就是有希望的人。沒有準備的人就是準備接受失敗的人。我們不可以以
卵擊石，也不可以赤手空拳上戰場。」
Life is always full of challenges—challenges that you won’t survive if you do
not fully prepare yourself.
「人生的道路總是崎嶇不平，充滿挑戰，如果你不懂得裝備自己，你如何可以勝過挑
戰？」
No one can guarantee that he won’t get sick, lose his job, or otherwise be
caught in a random catastrophe in his lifetime. What we can do is to prepare
ourselves to face these unpredictable disasters when they come our way.
「沒有人可以保證一輩子不生病、不失業、不遇到天災人禍，為了因應不可測的災難，
我們一定要有抵抗災難的準備。」
Natural catastrophes aside, the greatest crisis a modern man may have to
face would be financial recessions. Once a man’s income becomes unstable,
tragedies may arise. If we are unprepared, without any savings, we may not
survive these harsh scenarios.
「除了天災人禍之外，現代人面臨的最大危機是經濟災難，一旦收入減少，財務周轉
不靈，就會逼人走上絕路。若是我們事前沒有準備，沒有儲蓄，那就很難渡過難關。
The fact that people purchasing their house via zero-down mortgage
eventually lose their houses to the banks because they have in sufficient
savings to get them through the hard times serves as a perfect example of the
importance of savings.
「有許多用零頭款買房子的人，就因為他們無儲蓄，無法支撐他們渡過困境，所以最
終房子被銀行沒收拍賣，這就是一個明證，說明儲蓄的重要性。」
Depression, stress, pain and loss of health all stem from greed and the
pursuit for materialistic indulgence. Men who cannot find happiness in a
humbled lifestyle are asking for stress and misery.
「憂愁、壓力、痛苦、失去健康都來自於個人不懂得簡單生活，過度追求物質的享受，
只有使自己壓力更大、更痛苦。」
Do not fall victim to the stresses of life. You have to preserve some
resources so you may control your own life. That’s the meaning of
“preservation is king”.
「不要讓生活壓力控制 ( 折磨 )著你，而是你要有備份的力量，這樣你可以控制生活，
這就是剩者為王的道理。」
You must constantly equip yourself to be the winner, working to maximize
your defense and offense in order to win in any economic condition.
「時時刻刻裝備自己，讓自己保存最強大的抵抗力 (戰鬥力)，不管景氣如何變化，
你永遠是嬴家。」
Spending money you don’t have is a bad habit. Taking on debts to sustain a
lavish lifestyle is called faux riche.
「今天花明天的錢。「超前消費」絕對是一個壞習慣。個人靠借貸來達到某種生活水
平，這叫做虛胖。」
The government encourages increased consumer spending as a means to
stimulate financial growth, in order to reach taxation goals. The government
is, in effect, strengthening itself at the expense of the average citizen.
「政府鼓勵個人大力消費來刺激經濟增長，來達到政府某種稅收目標，這叫做嫁禍於
人。」
Do not spend beyond your means. There is a limit to premature spending. If
you spread your finances too thin, even if you don’t snap, you’d be laden with
debt, threatening your state of financial and physical health.
「不要花費過度。個人超前的消費終歸有個極限，就像彈簧一樣，即便不斷也會使個
人負債纍纍，危及個人財務健康與身體健康。」
Don’t exceed your credit limit or spend beyond your means. Build a savings
instead so as to prepare for the future.
「不要輕易刷爆信用卡，不要花費過度，總要有些積蓄(準備)才好。
A man who doesn’t understand the importance of savings is ignorant in
financial planning. Without savings, there is no financial planning to speak of.
In fact, he can’t even fend for himself.
「不懂得積蓄的人，就是不懂得理財的人。沒有積蓄的人，他不僅不懂得理財，他連
自己保護自己的力量都沒有。
Whether you’re buying a house or investing in a business, you need to have
some savings left in reserve in case of emergency. That way you’ll have the
means to defend yourself and survive in rough times.
「買房子也好，投資做生意也好，都不可不保留一些準備金 (周轉金)，萬一碰到惡劣
環境，你也可有個抵抗力，讓自己在惡劣環境下，有個存活的空間。」
Facing financial difficulties, do not expect others to pull you out. Help
should only be given to people requiring urgent assistance instead of those
trapped in long-term poverty. If you don’t put in the hard work yourself and
build enough savings, you can’t hope to rise above your impoverishment.
「碰到財務困境，不可只寄望別人會來救濟你、幫助你。俗語說：救急不救貧。如
果你自己不努力工作，也沒有準備 (儲蓄 ) ，那你就不可能走出困境。」
In days of old, before setting out for war, a solider must first prepare his
sustenance. On the battlefield of life, preparations are equally important.
One must keep learning about new things, exercising to keep his body in top
shape, striving to build a savings, and learning to become a better person.
These qualities are the sustenance for life.
「俗語說：「打戰糧草先行。」在人生的戰場上，也是糧草先行。努力學習、努力
鍛練身體、努力儲蓄、努力學做人，這些都是所謂的個人糧草。」
Be mindful never to exhaust your capacity; always preserve some of your
energy and resources just in case. That’s the essence of the phrase
“preservation is king.”
「 不要任意用盡你的力氣，總要留一點實力隱藏自己，多存些糧草以防萬一，這就
是剩者為王的精髓。」
As long as you retain your health, there is a future. A man who exhausts
himself too much is only shortening his own lifespan.
「俗語說： 留得( 青山 )健康在，不怕沒材燒。如果過份透支你自己的體力，只有讓
蠟燭提早燒盡。」
Life is not infinite, and health must be maintained through the years.
Treasure your life, and safeguard your health.
「生命有限，健康不再，歲月不饒人。請你尊重自己的生命，好好保護好自己的健
康。」
Live a life that is disciplined, spiritually fulfilling and peaceful. The real
winner in life is able to preserve good health, even improving it. Hence,
“preservation is king.”
「生活有規律，精神有寄託，與世無爭。若能留住健康或使自己比以前更健康，這
才是真正的剩者為王。」
Preservation is king. The winners in life are those who can preserve their
health or even improve it as they age.
「若能留住健康或使自己比以前更健康，這才是真正的剩者為王。」
No matter what you’re pursuing in life, be it wealth, wisdom, health, or
personal growth, follow the principle of “preservation is king.”
「不管金錢、財富、智慧、健康、做人，都要以剩者為王為依歸。」
Those who can survive the worst economic and environmental
circumstances are well-prepared. Those who are well-prepared understand
the principle of “preservation is king.”
「能夠在最不景氣，最困難的環境下生存下來的人，
就是有準備的人。有準備的人就是懂得剩者為王這個道理的人。」
Only when a person is short on cash does he realize the value of wealth.
Likewise a man doesn’t see the importance of having a job until he loses it.
「不到缺錢，不知道金錢的可貴。不到失業，不知道工作的可貴。」
One doesn’t understand the importance of being healthy until it’s taken from
him. A person won’t know to treasure friendship until he loses a friend.
「不到失去健康，不知道健康的可貴。不到失去朋友，不知道友情的可貴。」
Only in the last moments of a man’s life does he understand just how
priceless it is.
「不到最後一分鐘，不知道生命的可貴。」
It is advisable to know the importance of “preservation is king” and strive to
be a well-prepared, happy, and confident person.
「勸君能真正體會剩者為王的重要性，做一個有準備，快樂且自信的人。」
The principle of “preservation is king” will bring you warmth like the sun,
spark hope in you like the moon, give you power like a gas station, save your
life like an emergency center, even enable you to help others in need like a
food bank.
「 剩者為王有如太陽一樣，會帶給你溫暖。剩者為王有如月亮一樣，會帶給你希望。
剩者為王有如加油站一樣，會帶給你續航力。剩者為王有如急救站一樣，可以救你
一命。剩者為王有如糧倉一樣，會讓你有能力去幫助別人，助人為樂。」
May we all live by the principle of “preservation is king” and stay strong to
get through any crisis—be it the economy, domestic disputes, or health
problems.
「希望大家都可以堅強起來，平安渡過金融風暴、經濟風暴、家庭風暴、健康風暴，
成為真正的剩 ( 勝 )者為王。」
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