that the rich people avoid and that unfortunately

是有錢人會避開的，而不幸的

poor people, middle class people have.

是窮人、中產階級的人都會有的壞習慣

And what I found out

我發現

was that wealth, success, being in the middle class,

富裕、成功、身處中產階級

being poor, is all about your habits.

或是窮困，都與你的習慣有關

Emotional purchases. These are, "Oh! I love that

情緒消費。這些都是：「噢！我好喜歡那件

beautiful red dress or that cute sport car"

漂亮的紅洋裝，或，那台迷人的跑車喔」

and you make this emotional purchase, and often times

然後你做出這種情緒消費，而會常常

it causes you to go into debt if they're a big purchase.

讓你負債，如果那是一大筆消費的話

But if not, then you are depleting your savings

但如果不是，也是在消耗你的儲蓄帳戶、

account and your checking account.

你的往來帳戶 (註：美國戶頭分為兩種，Checking Account 為日常消費、提款卡提款的帳戶，Saving Account 則用來儲蓄)

Spontaneous purchases are also a poor habit.

自發性消費也是個壞習慣

That's something the rich avoid.

是有錢人們都會避開的

Well, this is the very reason why at the checkout counters

這就是為何結帳櫃檯

they have all of these goodies for people to buy.

會擺放這些商品讓大家購買

The retailers know that the human brain works off

商人知道人的頭腦

of impulse many times and they'll make this

經常做出衝動的選擇，而他們會進行

spontaneous purchase and they add up

衝動型消費，然後經過累積

and they could really cause a lot of damage.

會造成巨大的傷害

You want to spend modestly.

想要適當地消費

One of the smartest things you can do is to

最聰明的其中一件事是你

purchase a modest house in a modest neighborhood.

在一個合適的社區，購買一個適當的房子

This means you're not only got to have

這代表你不但會有

a lower mortgage, you're going to have

較低的貸款，你的

lower real estate taxes, you're going to have lower utility cost,

不動產稅也會比較低，水電費也較低、

lower home repairs.

較低的維修費用

One good decision like that, and it has a ripple effect

一個好的決定將會在你的消費上

throughout your spending.

造成連環效應

So those are a couple of the bad habits to avoid.

所以就是這幾個要避免的壞習慣