导读：
文章摘自Bloomberg,作者 Barry Ritholtz。
许多人幻想着自己一夜暴富，然而现实是，很多暴富的人突然之间又回去了贫穷的生活。
理财远远不是低头挣钱，还要做好迎接财富的准备，才能让财务安全的状态长久延续。
本文或许已经是以前的故事，但我们仍然能从这些建议中学到许多。
原文：
Made $650 Million? Here's How to Keep It
How to Avoid Going Broke After Making $650 Million？
Even a large fortune can be squandered in a short time.
The 1980s television series“21 Jump Street” launched Johnny Depp's acting career;“Edward Scissorhands,” director Tim Burton's dark Gothic fairy tale, made him a movie star. But it was Disney's“Pirates of the Caribbean” movies that made him rich. The original film and its sequels grossed about $4.5 billion in ticket sales. That franchise, along with other films, earned Depp an estimated $650 million, according to Rolling Stone.
All of it is gone.
Thus, we have yet another cautionary tale of what happens when too much money meets too little financial savvy. If it sounds familiar, well, that's because it is. Lottery winners, pop performers, sports stars and other recipients of sudden wealth often fall into the same trap. They react emotionally to the windfall; they don't think long-term or strategically. There is no plan for the future, only the unrealistic expectation that the firehose of earnings will last forever.
These sorts of unforced errors leave a permanent mark on their emotional and financial well-being.
Depp is now suing his business manager and his firm for negligence, breach of fiduciary duty and fraud. I have no idea if the accusations have merit or not, but the mere existence of the lawsuit means financial mistakes were made and the suit will determine who made them. All of this could have been avoided, however, assuming one was willing to engage in some clear thinking and do a bit of work.
And so once again, we lay out a few simple rules that can help any recipient of new-found wealth avoid some of the most common errors, and maybe keep from going broke. Here goes:
No. 1. Have a plan: I guess the mere fact that we are discussing a squandered $650 million fortune means I have to start with this one.
Anyone who comes into a pile of cash must think about ensuring it lasts a lifetime. Note this isn't just about actors or athletes, but the 60 million people who stand on the precipice of a $30 trillion inter-generational wealth transfer. The beneficiaries and heirs of all that wealth need a plan to manage that money, even if it is in increments of somewhat less than half-a-billion dollars. Making whatever you have last as long as you need is the goal.
No. 2. Delegate but be involved: Be aware of the details of your own finances. The most successful athletes and musicians have business managers who might handle the day-to-day chores while they are on the road working, but they must understand their own earnings, spending and investments. It's your money, it's your responsibility— if you do not know the specifics, then you are just asking for trouble. If Michael Jordan and Bruce Springsteen find time to be intimately involved in their personal finances , then you can too.
No. 3. Understand your career cycle: We all begin as newbies, grow into our peak earnings years, then scale back the workload or retire. Those phases cover most of us. The first decade or so is when we become better, smarter, more skilled; the second phase is when we capitalize on those skills; the last is when we kick back. The mistake of assuming peak earning years will last much longer than they do is surprisingly common.
No. 4. Friends and family entourage on the payroll: Buy Mom a modest house, if you're so inclined, tell everyone you love them, then let them live their own lives. When they come around asking for financial help, politely sending them packing.
No. 5. Avoid debt: Living within your means should get easier as earnings rise. Instead, people find more expensive ways to fritter away their cash. Access to credit all too often is the enabler of profligacy that can easily outstrip even multimillion-dollar salaries. It is one thing to use credit modestly to buy a home or manage cash flows, especially for someone who receives an annual bonus that makes up a substantial portion of total compensation; it is another thing to use debt to finance an ongoing lifestyle.
No. 6. Keep your investments simple: This is especially important for anyone who is on the road or travels a lot for work. If you spend six months shooting a film in Malaysia, you probably lack the time to monitor how much risk your hedge-fund managers are putting on.
Better to keep it simple, hold down costs and limit tax liability. A portfolio of 60 percent stocks and 40 percent bonds will grow over the years with a minimum of volatility and headaches. Find an experienced pro other than your business manager— if you have one — to help manage this.
No. 7. Understand what money is and what it isn't: There is so much emotional baggage around money— especially the blind pursuit of it — that we often forget what it is. It isn't a measuring stick or an end in itself but rather a means to an end. Money is a tool that lets you accomplish specific things, whether paying for good health care, ensuring financial security, freeing you from stress and worry, covering the costs of leisure and philanthropy.
Depp would have been better served if he approached his money with the same gusto he applied to inhabiting his roles. That's a lesson for all of us.
精读笔记：
Made $650 Million? Here's How to Keep It
How to Avoid Going Broke After Making $650 Million ?
Even a large fortune can be squandered in a short time.
The 1980s television series“21 Jump Street” launched Johnny Depp's acting career;“Edward Scissorhands,” director Tim Burton's dark Gothic fairy tale, made him a movie star. But it was Disney's“Pirates of the Caribbean” movies that made him rich. The original film and its sequels grossed about $4.5 billion in ticket sales. That franchise, along with other films, earned Depp an estimated $650 million, according to Rolling Stone.
All of it is gone.
单词讲解：
Avoid :避免； 后面加名词使用，因此若后面跟着动词，需要改成动名词 doing形式
即avoid doing sth
Go Broke : broke为 break的过去分词形式，在此充当 Adj.（形容词），表身无分文
Go broke即为“破产”
短语衍生：flat broke/ stony broke = completely broke身无分文的
Squander : to carelessly waste money, time, opportunities etc挥霍
Launch : to start something, usually something big or important
发动，发起，开始从事〔大型或重要活动〕
Gothic : a Gothic story, film etc is about frightening things that happen in mysterious old buildings and lonely places, in a style that was popular in the early 19th century
哥特派的〔指小说、电影等的风格，描写神秘古老建筑及荒僻地方的恐怖故事，该风格曾流行于19世纪初〕
Sequel :a book, film, play etc that continues the story of an earlier one, usually written or made by the same person
〔书、电影、戏剧等的〕续集，续篇
词根sequ - (跟随) + el
Gross : V. to gain an amount as a total profit, or earn it as a total amount, before tax has been taken away
获得…的总利润[毛利，税前收入]
Gross Adj.在口语中也很常用，表示“恶心的”
例句：Oh, gross! What smell is that !好恶心，那是什么味道！
ticket sales :票房收入
Franchise :此词原指公司或者政府赋予个人或组织的权利，the franchise即为投票权。
商业上franchise表示特许经营权，现也引申到小说/电影行业，如 Harry Potter franchise 为哈利波特系列
be gone :可以是字面上的“不在”，也可以引申为“去世，消失”
文章翻译：
挣了6.5亿？如何让这笔钱长久？
即使是一大笔财富，也可能很快被挥霍掉。
如果你挣了6.5亿，如何避免自己破产？
20世纪80年代的电视剧《老虎少年队》开启了 Johnny Depp的演艺生涯；Tim Burton导演的黑暗哥特风童话电影《剪刀手爱德华》则让Depp成了一名影星；迪士尼的《加勒比海盗》系列让他富有。第一部电影及其续集的总票房收入约为45亿美元。据《滚石》杂志报道，这个系列以及其他电影给Depp带来了约6.5亿美元的收入。
然而一切都消失了。
Thus, we have yet another cautionary tale of what happens when too much money meets too little financial savvy. If it sounds familiar, well, that's because it is. Lottery winners, pop performers, sports stars and other recipients of sudden wealth often fall into the same trap. They react emotionally to the windfall; they don't think long-term or strategically. There is no plan for the future, only the unrealistic expectation that the firehose of earnings will last forever.
These sorts of unforced errors leave a permanent mark on their emotional and financial well-being.
单词讲解：
Cautionary : giving a warning about what not to do告诫的；
词根caution (小心，警示)+ -ary (Adj. 后缀)
Savvy : N. practical knowledge and ability见识
Adj.有见识的
如: savvy detectives
Lottery :彩票抽奖，中文的“乐透”由此音译而来；
缩写“Lot”
Recipient : someone who receives something接受者
Windfall 意外之财；
联想记忆：
wind + fall随风飘下的财富
Firehose :消防带
unforced errors :原指网球中自己的失误（而非对手的球技），也引申为“愚蠢的失误”
well-being :a feeling of being comfortable, healthy, and happy幸福
联想记忆：
well+being好的状态=幸福
文章翻译：
因此，当一笔财富与不足的财务能力相遇时，我们有了一个警示故事。这听着熟悉吗？是的。彩票获奖者，流行音乐歌手，体育明星，以及其他突然收到一笔意外之财的人常常掉入这个陷阱。面对意外之财，他们只是随性安排，并没有长远的有策略的规划。他们没有考虑未来，只是幻想这种掉钱的事会一直发生。
这种愚蠢的失误在他们的情感和财务幸福都留下了永久的印记。
Depp is now suing his business manager and his firm for negligence, breach of fiduciary duty and fraud. I have no idea if the accusations have merit or not, but the mere existence of the lawsuit means financial mistakes were made and the suit will determine who made them. All of this could have been avoided, however, assuming one was willing to engage in some clear thinking and do a bit of work.
单词讲解：
Sue : to make a legal claim against someone, especially for money, because they have harmed you in some way
〔尤指为要求赔偿金而〕控告，起诉，告…的状
Sue sb for...因...控告某人
近义词区分：
Accuse : If you charge someone with misdeeds or misconduct, you accuse that person.
Accuse sb of doing sth
例句：
Tom accused him of lying.
Tom指控他说谎。
Lily was accused of murder.
Lily被控告犯有谋杀罪。
Charge: to state officially that someone may be guilty of a crime
Charge sb with sth
The suspect was charged with shoplifting.
嫌疑人被指控商店行窃。
由英文释义可见，sue通常与金钱相关，accuse泛指指控，charge是正式官方的控告
Negligence : failure to take enough care over something that you are responsible for
疏忽；
Breach : N. an action that breaks a law, rule, or agreement
违背，违反
Fiduciary : Fiduciary is used to talk about things which relate to a trust, or to the people who are in charge of a trust.
信托的;受托的
Fraud : the crime of deceiving people in order to gain something such as money or goods
欺诈，诈骗
Merit : [C] an advantage or good feature of something
长处，优点
例句：
Each plan has its own merits.
每个计划都有它的优点。
短语衍生：
judge/consider etc sth on its (own) merits
to judge something only on what you see when you look at it rather than on what you know from other people or things
根据某事件本身的情况来判断/考虑等
例句：
Different problems should be judged on its own merits.
每件事情应该根据相应的情况考虑。
Suit : a problem or complaint that a person or company brings to a court of law to be settled
诉讼；
Assuming : assuming (that) = if假如
文章翻译：
Depp现在控告自己的经纪人和公司玩忽职守，违反信托协定并涉嫌欺诈。我不清楚这些控诉是否有价值，但是既然有控诉，那么确实有财务错误，诉讼将决定谁是罪魁祸首。然而如果有一个人愿意认真思考并做些工作，这种事本可以避免。
And so once again, we lay out a few simple rules that can help any recipient of new-found wealth avoid some of the most common errors, and maybe keep from going broke. Here goes:
No. 1. Have a plan: I guess the mere fact that we are discussing a squandered $650 million fortune means I have to start with this one.
Anyone who comes into a pile of cash must think about ensuring it lasts a lifetime. Note this isn't just about actors or athletes, but the 60 million people who stand on the precipice of a $30 trillion inter-generational wealth transfer. The beneficiaries and heirs of all that wealth need a plan to manage that money, even if it is in increments of somewhat less than half-a-billion dollars. Making whatever you have last as long as you need is the goal.
单词讲解：
lay out : To lay out ideas, principles, or plans means to explain or present them clearly, for example, in a document or a meeting.
清晰地表达
Here goes : (informal) used when you are telling people that you are just going to do sth exciting, dangerous, etc.
（非正式）开始啦
mere : used when you are saying that the fact that a particular thing is present in a situation is enough to have an influence on that situation
这个用中文有点不好解释，表示仅仅是这一情况足以...
come into : If someone comes into some money, some property, or a title, they inherit it.
继承
例句：
He comes into a great fortune after his father’s death.
他在父亲死后继承了一大笔财产。
precipice : a very steep side of a high rock, mountain, or cliff
悬崖，峭壁
inter-generational :隔代的
Inter (...之间)+ generation (代)+al (Adj.后缀) :
wealth transfer :财富转移
Beneficiary : someone who receives money or property from someone else who has died
遗产继承人，〔遗嘱的〕受益人
Heir : the person who has the legal right to receive the property or title of another person
when they die
继承人
Increment : An increment in something or in the value of something is an amount by which it increases.
增加量
联想记忆：
increase + ment (n.后缀)
文章翻译：
在这里，我们再次列出一些简单的规则，可以帮助任何刚刚获得财富的人，避免一些常见的错误，或许能预防破产，如下：
第一条制定计划：我们讨论挥霍6.5亿美元的话题意味着要从这里开始着手。
任何刚继承了大笔财富的人都应该思考如何长期保有这笔钱。注意，这不仅仅是演员或者运动员要考虑的事，也涉及到即将通过财富继承获得30万亿的6千万人。即使增量不足5亿，这些财富的继承人应该制定这笔钱的管理计划。你的目标是让手上的财富延续到你需要的时刻。
No. 2. Delegate but be involved: Be aware of the details of your own finances. The most successful athletes and musicians have business managers who might handle the day-to-day chores while they are on the road working, but they must understand their own earnings, spending and investments. It's your money, it's your responsibility— if you do not know the specifics, then you are just asking for trouble. If Michael Jordan and Bruce Springsteen find time to be intimately involved in their personal finances, then you can too.
单词讲解：
Delegate : to choose someone to do a particular job, or to be a representative of a group, organization etc
委派〔某人〕做〔某项工作〕；委任〔某人〕为代表
Finances : [plural,复数] the money that an organization or person has, and the way that they manage it
〔机构或个人的〕财务情况
on the road : if a group of actors or musicians are on the road, they are travelling from place to place giving performances
在巡回演出中;四处奔波
Intimately :紧密地
Intimate : (of a link between things) very close紧密的
例句：
An intimate relationship between obesity and high-calorie food.
肥胖与高热量食物间密切的联系
文章翻译：
第二条委托但要参与其中：要清楚自身的财务情况。成功的运动员和音乐家四处奔波时，有经纪人帮忙处理每日的琐事，但他们也必须清楚自己的收入，支出，和投资情况。这是你的钱，也是你的责任，如果你不知道明细，那是在自找麻烦。如果Micheal Jordan和Bruce Springsteen 都能抽出时间密切关注自己的财务状况，你也可以。
No. 3. Understand your career cycle: We all begin as newbies, grow into our peak earnings years, then scale back the workload or retire. Those phases cover most of us. The first decade or so is when we become better, smarter, more skilled; the second phase is when we capitalize on those skills; the last is when we kick back. The mistake of assuming peak earning years will last much longer than they do is surprisingly common.
单词讲解：
Newbie : A newbie is someone who is new to an activity, especially in computing or on the Internet. (informal)
(非正式) 新手，相当于中文的“菜鸟”
近义词：
Rookie工作、活动新手
noob = newbie
scale back :同 scale down
to reduce the amount or size of something
缩减，缩小
反义词：scale up
Phase : one of the stages of a process of development or change
阶段，时期
例句：
This is an important phase of adolescence.
这是青春期的重要阶段。
or so :大约
例句：
The book cost $80 or so.
大本书大约80美元。
Capitalize on : to use a situation or something good that you have, in order to get an advantage for yourself
充分利用
例句：
Mr. Lee capitalizes on all advanced technologies to come up with a good solution.
李先生利用了所有先进的技术来找一个好的解决方案。
kick back : to relax（AmE）
放松
例句：
Kick back and enjoy the summer holiday.
休息下来，享受夏日假期。
文章翻译：
[if !supportLists]第三条 [endif]掌握自己的职业周期：每个人都是从新手开始，逐渐进入收入高峰期，之后工作量减少或退休。这些阶段覆盖了人生的大半部分。第一个十年左右，我们变得更好，更聪明，更熟练；第二个阶段我们使用这些技能；最后是我们休息的时候。认为收入高峰期持续的时间会比现在长的错误认识是十分普遍的。
No. 4. Friends and family entourage on the payroll: Buy Mom a modest house, if you're so inclined, tell everyone you love them, then let them live their own lives. When they come around asking for financial help, politely sending them packing.
单词讲解：
Entourage : a group of people who travel with an important person
随从，随行人员
Payroll : if someone is on the payroll of a company, they are employed by that company
被雇用的
联想记忆：
pay(支付) + roll (名单)
Modest : not very great, big, or expensive
不太大的；不很贵的
Inclined : inclined to do sth倾向于做某事
come around : If someone comes around to your house, they come there to see you.
来访
send sb packing : (informal)
to tell someone who is not wanted that they must leave at once
叫某人立即离开，撵走某人
文章翻译：
第四条工薪阶层的朋友和家人：给母亲买个合适的房子，如果你愿意，告诉大家你爱他们，然后让大家过好自己的日子。如果他们过来寻求经济帮助，礼貌地让他们走。
No. 5. Avoid debt: Living within your means should get easier as earnings rise. Instead, people find more expensive ways to fritter away their cash. Access to credit all too often is the enabler of profligacy that can easily outstrip even multimillion-dollar salaries. It is one thing to use credit modestly to buy a home or manage cash flows, especially for someone who receives an annual bonus that makes up a substantial portion of total compensation; it is another thing to use debt to finance an ongoing lifestyle.
单词讲解：
Means : [plural,复数] the money or income that you have
钱；收入
例句：
Buying a house in a first tier city is beyond the means of most people.
在一线城市买房超过了多数人的经济能力。
短语衍生:
Make ends meet收支平衡
fritter away : to waste time, money, or effort on something small or unimportant
〔在微不足道的事情上〕浪费〔时间、金钱或力气〕
例句：
Tom fritters away the newly-found fortune on sports cars.
Tom把刚得到的财富都挥霍到跑车上了。
Credit : an arrangement with a shop, bank etc that allows you to buy something and pay for it later
赊购；信贷
例句：
Tom just bought a new car on credit.
Tom刚用贷款买了辆新车。
Enabler :促成者
联想记忆：
enabl(e) + er使得...能成的人
Profligacy : Profligacy is the spending of too much money or the using of too much of something.挥霍; 浪费
Outstrip : to be greater in quantity than something else
数量上大于…
Modestly :适当地
Modest这个词上面也出现过，是一个相对使用频率较高的单词，此处的意思为：
You use modest to describe something such as an amount, rate, or improvement which is fairly small.
(数量、比率或改进幅度等) 较小的
Bonus : money added to someone’s wages, especially as a reward for good work
奖金；红利；也可引申为“意外的收货”
例句：
Workers who perform well will receive an annual bonus.
表现好的员工会收到年度奖金。
Substantial : large in amount or number
大量的，多的
近义词：considerable
Compensation : [U] the money someone is paid for doing their job
报酬，工资
Finance : to provide money, especially a lot of money, to pay for something
为…提供资金
例句：
The sports meet is financed by the company.
运动会是这家公司出资举行的。
Ongoing : continuing, or continuing to develop
继续进行的，不断发展的
例句：
Their ongoing research on DNA.
他们对DNA持续的研究。
写作词汇：
It is one thing... , it is another thing ...
用于对比两个事物，通常后者更难，或者严重
例句：
It’s one thing to understand the theory, it’s another thing to practise .
理解理论是一回事，实践是另一回事。
文章翻译：
第五条避免债务：随着收入的增加，量入为出应该会越来越简单。然而人们找到更贵的方式来挥霍手上的钱。即使是个年薪百万的人，频繁的贷款也会轻易地掠夺走你的财富。对那些年度奖金占据工资绝大比例的人来说，适当的使用贷款来买房或规划现金流是一回事；而用欠债来持续生活方式则是另一回事。
No. 6. Keep your investments simple: This is especially important for anyone who is on the road or travels a lot for work. If you spend six months shooting a film in Malaysia, you probably lack the time to monitor how much risk your hedge-fund managers are putting on.
Better to keep it simple, hold down costs and limit tax liability. A portfolio of 60 percent stocks and 40 percent bonds will grow over the years with a minimum of volatilityand headaches. Find an experienced pro other than your business manager— if you have one — to help manage this.
单词讲解：
Monitor : to carefully watch and check a situation in order to see how it changes over a period of time
监视；监测，检测；监督
hedge-fund : A hedge fund is an investment fund that invests large amounts of money using methods that involve a lot of risk.
对冲基金
hold down : to keep within limits
限制，控制
tax liability : The total amount of tax that an entity is legally obligated to pay to an authority as the result of the occurrence of a taxable event.
纳税义务
Portfolio : a group of stock s owned by a particular person or company
〔某人或某公司持有的〕有价证券组合，投资组合
Volatility : volatility refers to the amount of uncertainty or risk about the size of changes in a security's value.
Security在此指代证券，volatility即为不稳定性，波动性。
背景介绍：
对冲基金：指投资过程中进行反向交易来降低投资风险的行为。例如购买某个股票时，同时购买股票的看跌期权，这样该股票超过规定价格还下跌时仍可以按照约定价格卖出产品，以此来降低损失，不过相应也会降低收益。对冲基金一般不对公众开放，只有投资资产大于100万的人才能参加，人数也有限制；同时对冲基金具有高杠杆和高风险性，需要谨慎投资。
债券：其实就是一个借条，上面约定了偿还的利息，本金，利率，偿还方式和时间。国家，企业，金融机构都可以发行债券融资。若企业倒闭，购买债券者可以优先清偿。债券相对风险较小。
（参考百度百科析金法视频）
文章翻译：
第六条简单的投资：这点对于经常奔波或出行的人来说尤为重要。如果你六个月都在马拉西亚拍电影，你可能不会有足够的时间来监控对冲基金经理所承担的风险。
越简单越好，控制成本和限制税收责任。60%的股票和40%的债券会随着时间增长价值，同时波动性和烦恼也较小。找一个有经验的专业人士而不是你的经纪人（如果你有的话）来管理投资。
No. 7. Understand what money is and what it isn't: There is so much emotional baggagearound money— especially the blind pursuit of it — that we often forget what it is. It isn't a measuring stick or an end in itself but rather a means to an end. Money is a tool that lets you accomplish specific things, whether paying for good health care, ensuring financial security, freeing you from stress and worry, covering the costs of leisure and philanthropy.
Depp would have been better served if he approached his money with the same gusto he applied to inhabiting his roles. That's a lesson for all of us.
单词讲解：
emotional baggage :情感包袱，思想包袱
Baggage：(uncountable) You can use baggage to refer to someone's emotional problems, fixed ideas, or prejudices.
(不可数) (感情或思想上的) 包袱
Means : (countable) A means of doing something is a method, instrument, or process which can be used to do it. Means is both the singular and the plural form for this use.
(可数) 方法; 手段; 过程
Free sb. from/of sth : to allow someone to say and do what they want, after controlling or restricting them in the past
解放，使摆脱
例句：
Music frees people from stress.
音乐帮人释放压力。
Philanthropy : the practice of giving money and help to people who are poor or in trouble
慈善行为
With gusto : if you do something with gusto, you do it with a lot of eagerness and energy
精力充沛地，热忱地
例句：
Tom paints with gusto.
Tom热情地作画。
Inhabit : If a place or region is inhabited by a group of people or a species of animal, those people or animals live there.
居住于
文章的inhabit应该是比喻用法，表示“进入了角色，融入角色”
例句：
The demon seems to inhabit Tom.
Tom似乎被恶魔占据了身体。
文章翻译：
[if !supportLists]第七条 [endif]理清楚金钱是什么，不是什么：围绕着金钱有太多的烦恼--尤其是对金钱的盲目追求 -- 以至于我们经常忘记金钱到底是什么。金钱不是一个衡量工具，也不是一个终点，它是帮助我们到达终点的一种手段。金钱是一个工具，可以帮助你完成具体的事情，包括支付良好的医疗服务，确保财务安全，减轻压力和担忧，覆盖娱乐和慈善的支出。
如果Depp用他拍戏的热情去打理金钱的话，他会得到更好的服务。
这件事对我们来说都是一个教训。
