Getting rich and becoming a millionaire is a taboo topic. Saying it can be done by the age of 30 seems like a fantasy.

　　发财致富，成为百万富翁是一个让人不敢想象的禁忌话题。甚至有人认为在30岁时可以做到这件事只是一种幻想。

　　It shouldn’t be taboo and it is possible. At the age of 21, I got out of college, broke and in debt, and by the time I was 30, I was a millionaire.

　　其实这个话题不应是禁忌话题，因为它是可能实现的。在笔者21岁的时候，我初出茅庐，穷困潦倒，但在我30岁的时候，我却成为了百万富翁。

　　Here are the 10 steps that will guarantee you will become a millionaire by 30.

　　想要在30岁时成为富翁吗，那就紧跟下面这10个步骤吧。

　　1.Follow the money. In today’s economic environment you cannot save your way to millionaire status. The first step is to focus on increasing your income in increments and repeating that. My income was $3,000 a month and nine years later it was $20,000 a month. Start following the money and it will force you to control revenue and see opportunities.

　　1. 了解资金的流向。在如今的经济环境状况下，光存钱是无法成为百万富翁的。首先你应该专注于持续稳定地增加收入。笔者每月的工资是3,000美元，而在9年后则是每月2万美元。跟随金钱流动的方向前进，它会驱使你控制自己的收支并能看到更多契机。

　　2. Don’t show off -- show up! I didn’t buy my first luxury watch or car until my businesses and investments were producing multiple secure flows of income. I was still driving a Toyota Camry when I had become a millionaire. Be known for your work ethic, not the trinkets that you buy.

　　2. 别显摆，要现才能!笔者在事业与投资还没获得多重安全的资金流时，不敢购买任何一件奢侈的手表或汽车。即使我成为了百万富翁，我仍然以Toyota Camry汽车代步。用你的工作态度让人对你印象深刻，而不是你的精品行头。

　　3. Save to invest, don’t save to save. The only reason to save money is to invest it. Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency. This will force you to continue to follow step one (increase income). To this day, at least twice a year, I am broke because I always invest my surpluses into ventures I cannot access.

　　3. 别为了存钱而存，而是为了投资而存。存钱的唯一理由就是把它用作投资的资本。把你所储存的资金保存在安全有保障的，外界无法轻易动用的账户里。这些账户里的资金绝不轻易动用，即使是紧急情况也不能。这样就会驱使你继续坚持第一步(增加收入来源)。到了如今的情况，至少每年两次，我都是身无分文的，因为我总是把我的额外收入投入到那些我无法轻易接触的投资账户当中。

　　4. Avoid debt that doesn’t pay you. Make it a rule that you never use debt that won’t make you money. I borrowed money for a car only because I knew it could increase my income. Rich people use debt to leverage investments and grow cash flows. Poor people use debt to buy things that make rich people richer.

　　4. 避免无法为你赚钱的债务。为自己设定一个规则：如果借钱的目的不是为了赚更多的钱，那就不借!笔者之所以借贷购买一辆汽车是因为我知道它将来会为我带来收入。有钱的人借钱，会利用债务达到投资平衡，增加现金流;而贫穷的人们借钱只是购买东西，最终钱都进入有钱人的口袋了。

　　5. Treat money like a jealous lover. Millions wish for financial freedom, but only those that make it a priority have millions. To get rich and stay rich you will have to make it a priority. Money is like a jealous lover. Ignore it and it will ignore you, or worse, it will leave you for someone who makes it a priority.

　　5. 对待金钱如同对待嫉妒的情人。许多人梦想成为有钱人，但只有那些把钱视如珍宝的人才会成为百万富翁。无论是发财还是守财你都必须把它视为首要任务。金钱就像是位醋意大发的情人，如果你忽视它，它就会忽视你，甚至更惨的是，它会离开你，因为还有别人比你更珍惜它。