单选题 (3) Whatmostpeopledon’trealizeisthatwealthisn’tthesameasincome.Ifyoumake$1millionayearandspend$1million,you’renotgettingwealthier,you’rejustlivinghigh.Wealthiswhatyouaccumulate,notwhatyouspend. Themostsuccessfulaccumulatorsofwealthspendfarlessthantheycanaffordonhouses,cars,vacationsandentertainment.Why?Becausethesethingsofferlittleornoreturn.Thewealthywouldratherputtheirmoneyintoinvestmentsortheirbusinesses.It’sanattitude. Millionairesunderstandthatwhenyoubuyaluxuryhouse,youbuyaluxurylifestyletoo.Yourpropertytaxesskyrocket,alongwiththecostofutilitiesandinsurance,andthepricesofnearbyservices,suchasgrocerystores,tendtobehigher. Therichman’sattitudecanalsobeseeninhiscar.Manydriveoldunpretentioussedans.SamWalton,billionairefounderoftheWal-MartStore,Inc.,droveapickuptruck. Mostmillionairesmeasuresuccessbynetworth,notincome.Insteadoftakingtheirmoneyhome,theyplowasmuchastheycanintotheirbusinesses,stockportfoliosandotherassets.Why?Becausethegovernmentdoesn’ttaxwealth;ittaxesincomeyoubringhomeforconsumption,themorethegovernmenttaxes. Thepersonwhopilesupnetworthfastesttendstoputeverydollarhecanintoinvestments,notconsumption.Allthewhile,ofcourse,he’sreinvestinghisearningsfrominvestmentsandwatchinghisnetworthsoar.That’stheattitudeaswell. Thebestwealth-builderspaycarefulattentiontotheirmoneyandseekprofessionaladvice.Thosewhospendheavilyoncars,boatsandbuses,I’vefound,tendtoskimponinvestmentadvice.Thosewhoskimpontheluxuriesareusuallymorewillingtopaytopdollarforgoodlegalandfinancialadvice. Theself-maderichdevelopcleargoalsfortheirmoney.Theymaywishtoretireearly,ortheymaywanttoleaveanestatetotheirchildren.Thegoalsvary,buttwothingsareconsistent:theyhaveadollarfigureinmind--theamounttheywanttosavebyage50,perhaps--andtheyworkunceasinglytowardthatgoal. Onethingmaysurpriseyou.Ifyoumakewealth--notjustincome--yourgoal,theluxuryhouseyou’vebeendreamingaboutwon’tseemsoalluring.You’llhavetheattitude.