前言：所谓“个人财富自由”，是指某个人再也不用为了满足生活必需而出售自己的时间。在实现财富自由的路上，个人知识、自负其责的担当以及“杠杆”都是你的武器。当你真正迈过那道坎后，你会发现财富自由根本不是重点，仅仅是一座里程碑。本文作者是#### Naval，来自于Twitter，由郭知行翻译。

How to Get Rich (without getting lucky)？

如何获得真正的财富？

Seek wealth, not money or status. Wealth is having assets that earn while you sleep. Money is how we transfer time and wealth. Status is your place in the social hierarchy.

追求真正的财富，而不只是金钱和地位。所谓财富，就是为你带来“被动收入”的资产。金钱是我们出售自己的时间换取资产的媒介，地位只是你在社会阶层中的位置而已。

Understand that ethical wealth creation is possible. If you secretly despise wealth, it will elude you.

站着赚钱，而不要躺着。出来混，迟早要还。

Ignore people playing status games. They gain status by attacking people playing wealth creation games.

远离热衷于权位竞争、却不主动创造财富的人。

You’re not going to get rich renting out your time. You must own equity - a piece of a business - to gain your financial freedom.

想实现财富自由，你的资产带来的被动收入必须大于你的生活开支。财富自由之路的背后，是我们每个人寻找并囤积最适合的“资产”的过程。

You will get rich by giving society what it wants but does not yet know how to get. At scale.

你的价值由社会上其他人来决定。想致富，就为社会上其他人提供差异化“服务”。接受你服务的人越多，你的价值越高。

Pick an industry where you can play long term games with long term people.

选择有前景的长期赛道和伙伴，耐心几年，必有有好处。

The Internet has massively broadened the possible space of careers. Most people haven't figured this out yet.

很多人并没有意识到，互联网极大地拓宽了我们职业生涯的空间。

Play iterated games. All the returns in life, whether in wealth, relationships, or knowledge, come from compound interest.

复利是世界上第八大奇迹。将复杂的问题“套路化”，重复做。所有资产，包括财富、关系、知识等，带来的回报都遵循复利公式。

Pick business partners with high intelligence, energy, and, above all, integrity.

选择充满智慧、身负激情、心怀诚信的商业伙伴。而其中最重要的是诚信。

Don't partner with cynics and pessimists. Their beliefs are self-fulfilling.

不与愤世嫉俗者和悲观主义者共事。**

Learn to sell. Learn to build. If you can do both, you will be unstoppable.

学会生产和推销自己（的作品）。

Arm yourself with specific knowledge, accountability, and leverage.

用内隐知识、自负其责和杠杆来武装自己。

Specific knowledge is knowledge that you cannot be trained for. If society can train you, it can train someone else, and replace you.

个人知识通常不能批量生产。如果社会能训练你，它在下一秒也可以训练另一个人来代替你。

Specific knowledge is found by pursuing your genuine curiosity and passion rather than whatever is hot right now.

个人知识建立在我们每个人的好奇心和激情之上，并不一定是当下最热门的领域。

Building specific knowledge will feel like play to you but will look like work to others.

当我们构建个人知识时，会感觉自己宛如在玩中学习，而不是在工作。

When specific knowledge is taught, it’s through apprenticeships, not schools.

内隐知识的传承通常来自于师徒制，而不是学校教育。

Specific knowledge is often highly technical or creative. It cannot be outsourced or automated.

个人知识往往是高度技术性或创造性的，往往不能被外包或自动化。

Embrace accountability, and take business risks under your own name. Society will reward you with responsibility, equity, and leverage.

自负其责，自谋其利，自卫其权。

The most accountable people have singular, public, and risky brands: Oprah, Trump, Kanye, Elon.

最有担当的人通常特立独行，饱受公众的争议，比如奥普拉、特朗普、肯伊和伊隆·马斯克等。

"Give me a lever long enough, and a place to stand, and I will move the earth."

• Archimedes

给我一个支点和一根足够长的杠杆，我可以翘起整个地球。---阿基米德

Fortunes require leverage. Business leverage comes from capital, people, and products with no marginal cost of replication (code and media).

财富的积累离不开杠杆。资本，劳动力以及边际成本为零的代码、媒体作品都可以成为你的杠杆。

Capital means money. To raise money, apply your specific knowledge, with accountability, and show resulting good judgment.

资本由金钱组成。应用你的个人知识，敢于承担责任，做出正确的决策来赚钱。

Labor means people working for you. It's the oldest and most fought-over form of leverage. Labor leverage will impress your parents, but don’t waste your life chasing it.

所谓劳动力，就是别人出售自己的时间为你服务。这是最古老、最具影响力的杠杆形式。成为老板固然能让你父母欢喜，但这并不意味着值得你终身追寻。

Capital and labor are permissioned leverage. Everyone is chasing capital, but someone has to give it to you. Everyone is trying to lead, but someone has to follow you.

资本和劳动力都并不能由你直接掌控，需要别人的配合。所有人都在追逐资金，但总有一部分人要为你提供资金。所有人都想成为领导，但总有人要被你领导。

Code and media are permissionless leverage. They're the leverage behind the newly rich. You can create software and media that works for you while you sleep.

代码和媒体作品则属于你自己能直接掌控的杠杆。它们是最新崛起的富人背后的杠杆。你创建的软件和媒体作品，可以为你带来“睡后收入”。

An army of robots is freely available - it's just packed in data centers for heat and space efficiency. Use it.

要知道，机器人未来可以免费试用，它们只需要在数据中心充电和组装。学会使用机器人。

If you can't code, write books and blogs, record videos and podcasts.

如果你不会编程，那应该写书、博客，制作录像和播客。

Leverage is a force multiplier for your judgement.

杠杆可以成为你正确决策的放大器。

Judgement requires experience, but can be built faster by learning foundational skills.

判断需要依赖经验，但可以通过学习基础技能更快地建立个人决策体系。

There is no skill called "business". Avoid business magazines and business classes.

没有一种技巧叫做“商业”，原理商业杂志和商学院。

Study microeconomics, game theory, psychology, persuasion, ethics, mathematics, and computers.

学习微观经济学、博弈论、心理学、辩论、伦理学、数学和计算机。

Reading is faster than listening. Doing is faster than watching.

读胜过听。做胜过看。

You should be too busy to "do coffee", while still keeping an uncluttered calendar.

哪怕忙得连做咖啡的时间都没有，你也应该安排好z自己的时间。

Set and enforce an aspirational personal hourly rate. If fixing a problem will save less than your hourly rate, ignore it. If outsourcing a task will cost less than your hourly rate, outsource it.

设定你自己理想且合理的个人时薪。如果解决某个问题所花费的金钱低于你的个人时薪，那就忽略它，将其外包。

Work as hard as you can. Even though who you work with and what you work on are more important than how hard you work.

无论你在做什么工作，抑或是和谁一起工作，都应该努力。

Become the best in the world at what you do. Keep redefining what you do until this is true.

成为你所在领域的前5%、1%，甚至千分之一。每天进步一点点，追求卓越。

There are no get rich quick schemes. That's just someone else getting rich off you.

天下没有免费的午餐，羊毛出在羊身上。

Apply specific knowledge, with leverage, and eventually you will get what you deserve.

善用你的个人知识，借助杠杆的力量，你会得到属于你的财富。

When you're finally wealthy, you'll realize that it wasn't what you were seeking in the first place. But that's for another day.

众里寻他千百度，蓦然回首，那人却在、灯火阑珊处。