The Millionaire Fastlane PDF M.J. DeMarco
百萬富翁的快速通道 PDF by M.J. DeMarco

The Millionaire Fastlane
百萬富翁的快速通道

Escape Mediocrity: Accelerate Your Journey to Extraordinary Wealth
擺脫平庸：加速你通往非凡財富的旅程

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About the book關於這本書

Are you tired of the conventional financial plan that promises wealth through a lifetime of mediocrity？In＂The Millionaire Fastlane，＂M．J．DeMarco challenges the traditional approach of saving，penny－pinching，and settling for a future filled with uncertainty．Instead，he reveals a dynamic path to financial independence－the Fastlane－a method that empowers you to build substantial wealth rapidly and actually live your dreams today．Reject the slow and steady doctrine of mainstream financial advice，and discover how to revolutionize your journey to riches，unlocking opportunities for a prosperous and fulfilling life．Embrace the Fastlane and start your ascent to extraordinary wealth now．
你是否厭倦了傳統財務計劃，那些承諾透過一生的平庸來累積財富？在《百萬富翁快速道》中，M.J. 狄馬柯挑戰了儲蓄、精打細算，並對未來的不確定性妥協的傳統方式。相反地，他揭示了一條通往財務獨立的動態道路——快速道，這是一種能讓你快速建立可觀財富，並真正活出今日夢想的方法。拒絕主流理財建議中的緩慢穩定論調，探索如何革新你的致富之路，解鎖通往豐裕且充實人生的機會。擁抱快速道，立即開啟你邁向非凡財富的旅程。

About the author關於作者

MJ DeMarco is a semi－retired entrepreneur，investor，advisor， and internationally best－selling author known for his impactful works translated into over 15 languages．He founded Viperion Publishing Corp．，a media company specializing in online and print content distribution，and serves as the administrator and founder of The Fastlane Forum，a premier destination for discussions on startups，finance，and entrepreneurship．Before his writing career，MJ was the founder and CEO of Limos．com，a global ground transportation aggregator he successfully scaled into a profitable multi－million－dollar enterprise without formal training or substantial funding．After selling the company in 2001 and later reacquiring it，he ultimately sold it again in 2007 to a private equity firm． Rejecting the conventional path of mediocrity，MJ achieved early retirement in his thirties，choosing instead to pursue a life rich with experiences rather than mere financial security． Currently，he enjoys a vibrant life in Scottsdale，Arizona， where he engages in road trips，softball，travel，fitness，and outdoor adventures in the Sonoran desert．
MJ 狄馬柯是一位半退休的創業家、投資人、顧問，以及國際暢銷書作家，其作品已被翻譯成 15 種以上語言。他創立了維珀里昂出版公司，專門從事線上和印刷內容發行，並擔任快速道論壇的管理員和創始人，這是討論創業、財務和企業精神的首屈一指的平台。在他的寫作生涯之前，MJ 是 Limos.com 的創辦人和執行長，這是一家全球地面運輸彙整平台，他成功將其發展成盈利的數百萬美元企業，且未經過正規訓練或取得龐大資金。2001 年出售公司後又重新收回，最終在 2007 年將其賣給私募股權公司。拒絕平庸的傳統道路，MJ 在三十多歲就提前退休，選擇追求豐富體驗的人生，而非單純的財務安全。目前，他在亞利桑那州斯科茨戴爾過著充滿活力的生活，享受公路旅行、壘球、旅遊、健身和索諾蘭沙漠的戶外探險。

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THINKING， FAST AND SLOW思考，快與慢
How we make decisions
我們如何做決定

HOW TO TALK TO ANYONE Unlocking the Secrets of Effective Communication
如何與任何人暢談：解鎖有效溝通的祕密

Summary Content List摘要內容清單

Chapter 1 ：The Great Deception
第 1 章：偉大的欺騙
Chapter 2 ：How I Screwed＂Get Rich Slow＂
第 2 章：我如何拋棄「慢慢致富」
Chapter 3 ：The Road Trip to Wealth
第三章：通往財富的旅程
Chapter 4 ：The Roadmaps to Wealth
第 4 章：通往財富的藍圖
Chapter 5 ：The Road Most Traveled：The Sidewalk
第 5 章：大多數人走的道路：人行道
Chapter 6 ：Has Your Definition of Wealth Been Poisoned？
第 6 章：你的財富定義是否被扭曲？
Chapter 7 ：Lifestyle Servitude：The Thief of Happiness
第 7 章：生活方式的奴役：幸福的竊賊
Chapter 8 ：Lucky Bastards Play The Game
第八章：幸運的混蛋玩遊戲
Chapter 9 ：Wealth Demands Accountability
第九章：財富需要責任
Chapter 10 ：The Lie You＇ve Been Sold：The Slowlane
第 10 章：你被騙的謊言：慢車道
Chapter 11 ：The Criminal Trade Your Job
第 11 章：你工作的犯罪交易
Chapter 12 ：The Slowlane：Why You Aren＇t Rich
第 12 章：慢車道：你為何無法致富
Chapter 13 ：The Futile Fight：Education
第 13 章：徒勞的戰鬥：教育
Chapter 14 ：The Hypocrisy of the Gurus
第 14 章：大師們的虛偽
Chapter 15 ：Slowlane Victory．．．A Gamrle of Hope
第 15 章：慢車道的勝利……一場充滿希望的賭局

Chapter 16 : Wealth’s Shortcut: The Fastlane
第 16 章：財富的捷徑：快車道
Chapter 17 : Switch Teams and Playrooks
第 17 章：轉換陣營與玩法
Chapter 18 : How the Rich Really Get Rich
第 18 章：富人真正如何致富
Chapter 19 : Divorce Wealth from Time
第 19 章：與時間脫鉤的財富
Chapter 20 : Recruit Your Army of Freedom Fighters
第 20 章：招募你的自由鬥士大軍
Chapter 21 : The Real Lwa of Wealth
第 21 章：財富的真正法則
Chapter 22 : Own Yourself First
第 22 章：首先擁有自我
Chapter 23 : Life’s Steering Wheel
第 23 章：生命的方向盤
Chapter 24 : Wipe Your Windshield Clean
第 24 章：清潔你的擋風玻璃
Chapter 25 : Deodorize Foul Headwinds
第 25 章：淨化惡劣逆風
Chapter 26 : Your Primordial Fuel: Time
第 26 章：你的原始燃料：時間
Chapter 27 : Change That Dirty, Stale Oil
第 27 章：更換那污穢、陳舊的機油
Chapter 28 : Hit the Redline
第 28 章：衝破極限
Chapter 29 : The Right Road Routes to Wealth
第 29 章：通往財富的正確道路
Chapter 30 : The Commandment of Control
第 30 章：控制的誡命
Chapter 31 : The Commandment of Entry
第 31 章：進入的誡命

Chapter 32 : The Commandment of Need
第 32 章：需求的誡命
Chapter 33 : The Commandment of Time
第 33 章：時間的誡命
Chapter 34 : The Commandment of Scale
第 34 章：規模的誡命
Chapter 35 : Rapid Wealth: The Interstates
第 35 章：快速致富：高速公路
Chapter 36 : Find Your Open Road
第 36 章：找到你的開闊道路
Chapter 37 : Give Your Road a Destination
第 37 章：為你的道路設定目的地
Chapter 38 : The Speed of Success
第 38 章：成功的速度
Chapter 39 : Burn the Business Plan, Ignite Execution
第 39 章：燒掉商業計劃，點燃執行力
Chapter 40 : Pedestrians Will Make You Rich!
第 40 章：行人會讓你變富有！
Chapter 41 : Throw Hijackers to the Curb!
第 41 章：將阻礙者拋到路邊！
Chapter 42 : Be Someone’s Savior
第 42 章：成為某人的救星
Chapter 43 : Build Brands, Not Businesses
第 43 章：建立品牌，而非企業
Chapter 44 : Choose Monogamy Over Polygamy
第 44 章：選擇一夫制，而非多夫制
Chapter 45 : Put It Together: Supercharge Your Wealth Plan!
第 45 章：整合起來：為您的財富計畫加速！

Chapter 1 Summary : The Great
第 1 章摘要：偉大的

Deception欺騙

Section章節	Summary摘要
Introduction to the Deception of Wealth 財富欺騙的介紹	M.J. DeMarco critiques the aim to be "normal," using the fictional Big Daddyhoo to highlight the absurdity of traditional savings methods. He attacks the "Get Rich Slow" narrative promoted by financial advisors. M.J. DeMarco 批評追求「普通」的心態，透過虛構的大丹尼角色，凸顯傳統儲蓄方法的荒謬。他抨擊金融顧問所推銷的「慢慢致富」敘事。
The Problems with "Get Rich Slow" 「慢慢致富」的問題	DeMarco argues against using time as a currency for wealth, stating low chances of becoming rich through conservative investments like $401 (k) s$ , especially for the young. He believes this leads to a life of sacrifice where wealth arrives too late to enjoy. DeMarco 反對用時間作為財富的貨幣，指出透過保守投資方式致富的機會很低，尤其是對年輕人而言。他認為這種方式會導致一生都在犧牲，而當財富最終到來時，已經無法享受。
Wealth and Youth財富與青春	DeMarco posits that wealth should be achieved while young and that a fulfilling life shouldn't be postponed until retirement. Wealth should include enjoyment and freedom rather than only saving for a distant future. 德馬科主張，財富應該在年輕時獲得，而且美好的人生不應該被推遲到退休之後。財富應該包括享受與自由，而不僅僅是為遙遠的未來儲蓄。
Redefining Retirement重新定義退休	He describes traditional retirement as undesirable, critiquing the "Get Rich Slow" and FIRE methods for emphasizing frugality at the expense of joy. These approaches make people slaves to money rather than achieving true financial freedom. 他將傳統退休描述為不理想的，批評「慢慢致富」和 FIRE 方法過分強調節儉，卻犧牲了人生的樂趣。這些做法使人們成為金錢的奴隸，而非真正實現財務自由。
Conclusion: Fastlane Distinctions 結論：高速車道的區別	DeMarco concludes that "Get Rich Slow" and FIRE are ineffective for true financial independence and advocates for strategies that allow for concurrent wealth creation and youthful enjoyment. DeMarco 總結指出，「慢慢致富」和財務獨立提前退休（FIRE）對於真正的財務自由是無效的，並提倡能夠同時創造財富和享受青春年華的策略。

Chapter Summary: The Great Deception
章節摘要：偉大的欺騙

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Introduction to the Deception of Wealth
財富欺騙的介紹

M．J．DeMarco begins by asserting that aspiring to be ＂normal＂is unwise．He showcases a fictional character，Big Daddyhoo，who claims to be wealthy due to traditional savings methods，highlighting the absurdity of such a narrative．The chapter critiques the conventional＂Get Rich Slow＂method promoted by financial advisors，which suggests following a lengthy path involving education，a steady job，and investing in low－risk assets for future wealth．
M.J. DeMarco 一開始斷言，追求「普通」是不明智的。他舉了一個虛構的角色 Big Daddyhoo 為例，此人聲稱因傳統儲蓄方法而致富，突顯出這種敘事的荒謬性。本章批評了財務顧問推銷的傳統「慢慢致富」方法，該方法建議通過教育、穩定工作，以及投資低風險資產來累積未來財富。

The Problems with＂Get Rich Slow＂
「快速致富」的問題

DeMarco argues that using time as a currency in the pursuit of wealth is flawed．The chances of becoming rich through conservative investing，like 401（k）s or index funds， particularly for young individuals，are incredibly slim．He emphasizes that this approach often leads people to a life of sacrifice where riches come too late to be truly enjoyed．
DeMarco 論證，在追求財富的過程中，將時間當作貨幣是有缺陷的。透過保守的投資方式，像是 401(k)或指數基金，特別是對年輕人來說，成功致富的機會極其渺茫。他強調，這種方法常常導致人們過著犧牲的生活，而財富卻遲到到無法真正享受的地步

Wealth and Youth財富與青春

Contrary to societal beliefs，DeMarco maintains that wealth can—and should—be achieved while still young．He
違反一般社會觀念，德馬科認為財富是可以（而且應該）在年輕時就能累積的。
challenges the notion that aging is a prerequisite for enjoying wealth and rebukes the idea that a fulfilling life must wait until retirement．True wealth should encompass youth， enjoyment，and freedom rather than merely saving for a distant future．
他挑戰「必須年老才能享有財富」的觀念，並駁斥「生活的圓滿必須等到退休」的想法。真正的財富應該包含青春、享受與自由，而不僅僅是為遙遠的未來儲蓄。

Redefining Retirement重新定義退休

DeMarco paints a grim picture of traditional retirement，often associated with old age，dependency，and diminished quality of life．The＂Get Rich Slow＂and FIRE（Financial Independence，Retire Early）concepts are critiqued for neglecting the joy of living，with the focus instead on frugality and restricted enjoyment of life．He argues that these methods end up making individuals slaves to money rather than achieving genuine financial freedom．
德馬科描繪了傳統退休的慘澹圖景，這通常與老年、依賴和生活品質下降畫上等號。「慢慢致富」和 FIRE（財務獨立，提前退休）概念被批評忽視了生活的樂趣，反而過度關注節儉和限制生活的享受。他主張這些方法最終使人成為金錢的奴隸，而非真正實現財務自由

Conclusion：Fastlane Distinctions
結論：高速車道的區別

In summary，DeMarco positions＂Get Rich Slow＂and FIRE as ineffective strategies for achieving true financial independence．He advocates for an alternative approach that allows individuals to attain wealth and enjoy the vitality of youth concurrently．
總的來說，DeMarco 認為「慢慢致富」和 FIRE 是無法有效達成真正財務獨立的策略。他提倡一種能讓個人同時獲得財富並享受青春活力的另類方法。

Example範例

Key Point：Seek immediate wealth instead of delaying for a distant future．
關鍵點：尋求即時財富，而非遙遙無期的未來。

Example：Imagine you wake up every day feeling trapped in a job you dislike，saving pennies for retirement that feels decades away．Instead，envision pursuing your passion，leveraging your skills to create a business that generates income and freedom now．By rejecting the deferred gratification of the＇Get Rich Slow＇paradigm，you can embrace the thrill of building wealth in your youth while living life to the fullest， rather than waiting for a joyless retirement．
舉例：想像每天醒來都感到被困在一份自己不喜歡的工作中，為看似遙遠的退休儲蓄微薄的錢。相反地，設想追求自己的熱情，善用自身技能創造能立即產生收入和自由的事業。拒絕「慢慢致富」的延遲滿足模式，你可以在青春時期盡情享受建立財富的刺激，而不是等待一個毫無樂趣的退休生活

Chapter 2 Summary : How I Screwed "Get Rich Slow"
第 2 章總結：我是如何搞砸「慢慢致富」的

Section章節	Summary摘要
Chapter Title章節標題	How I Screwed "Get Rich Slow" 我是如何揚棄「慢慢致富」的理念
Opening Quote開篇引言	"The object of life is not to be on the side of the masses, but to escape finding oneself in the ranks of the insane." - Marcus Aurelius 「生命的目標不在於站在大眾的那一邊，而是要逃離瘋狂的行列。」- 馬可·奧里略
Exposing "Get Rich Slow" 揭露「慢慢致富」的真相	Traditional paths to wealth seemed limiting and less achievable during teenage years. 在十多歲時，傳統的致富道路似乎受限且難以實現。
The 90 Seconds that Changed My Life 改變我人生的 90 秒	An encounter with a young Lamborghini owner inspired a shift towards entrepreneurship. 一次與年輕藍寶堅尼車主的相遇，促使我轉向創業。
The Liberation from Fame and Talent 擺脫名氣與天賦的枷鎖	Realizing that financial success can be achieved without fame or talent ignited a desire for entrepreneurship. 意識到財務成功可以不依靠名氣或天賦，這點燃了我對創業的渴望。
The Search for the Millionaire Fastlane 尋找百萬富翁的快速通道	Studied self-made millionaires from average backgrounds to learn about rapid wealth creation. 研究了來自普通背景的自我致富者，以了解快速創造財富的方法。
Resistance into Mediocrity 對平庸的反抗	Graduation led to a rejection of the corporate "slowlane" mindset as peers took traditional jobs. 畢業後，我拒絕了同儕追隨的傳統職場「慢車道」思維。
Roadblocks, Detours, and Depression 障礙、繞道與憂鬱	Initial entrepreneurial failures and low-wage jobs led to feelings of inadequacy and depression. 初期的創業失敗和低薪工作，導致了自我不足感和憂鬱情緒。
My Blizzard of Awakening 我的覺醒暴風雪	A realization during a limo-driving job prompted a commitment to effect change in life. 在擔任禮車司機的工作期間，一個領悟促使我下定決心改變人生。
The Merge from Slowlane to Fastlane 從慢車道邁向快車道的轉變	Relocation and a focused entrepreneurial effort led to improved opportunities and growth. 搬遷並專注於創業，帶來更多機會和成長。
A New Wealth Equation Yields Asymmetric Wealth Acceleration 一個全新的財富方程式帶來不對稱的財富加速	Monetizing website traffic led to significant and exponential income growth. 將網站流量轉化為收益，帶來了顯著且指數型的收入成長。
My "Faked" Shortcut to Wealth 我「造假」的致富捷徑	Sold company during the dot-com boom for $$ 1.2$ million, but faced challenges post-sale. 在網路泡沫時期以 $$ 1.2$ 百萬元賣出公司，但售後卻面臨諸多挑戰。

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Section章節

Summary摘要

The Birth of the Money Tree
金錢樹的誕生

Regaining control of the business allowed for significant passive income and growth．
重新掌控事業，使得可以獲得可觀的被動收入與成長。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

1. 財富不需要名聲或身體天賦。2. 財富是以不對稱的方式創造，而非線性。3. 改變可以在一瞬間發生。4. 擁抱成功的非傳統路徑。

1．Wealth does not require fame or physical talent．

2．Wealth is created asymmetrically，not linearly．

3．Change can occur in an instant．

4．Embrace unconventional paths to success．

Outcome結果

By age 33，achieved multimillionaire status，fulfilling childhood dreams and pursuing further entrepreneurial ventures．
在 33 歲時，達到千萬富豪的地位，實現兒時夢想，並繼續追求更多創業機會

Chapter 2第二章

How I Screwed＂Get Rich Slow＂
我是如何推翻「慢慢致富」的陷阱

＊＂The object of life is not to be on the side of the masses，but to escape finding oneself in the ranks of the insane．＂－ Marcus Aurelius＊
＊「生命的目的不在於與大眾同流，而是要逃離瘋狂的行列。」 - 馬可·奧里里亞斯＊

Exposing the＂Get Rich Slow＂Dreamkiller
揭穿「慢慢致富」的夢想殺手

As a teenager，the concept of achieving wealth at a young age seemed unattainable．The traditional path of education， steady employment，and sacrifice felt limiting，leading to a resignation to the idea of＂Get Rich Slow．＂Despite this， dreams lingered，particularly an aspiration for luxury cars
作為一個青少年，在年輕時獲得財富的概念似乎是遙不可及的。傳統的教育、穩定工作和犧牲的道路令人感到侷限，導致對「慢慢致富」的想法默默接受。儘管如此，夢想依然存在，尤其是對於豪華跑車

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like the Lamborghini Countach．
如藍寶堅尼康塔克的渴望。

The 90 Seconds that Changed My Life
改變我人生的 90 秒

Growing up in a challenging environment，I was struck one day by the unexpected sight of a Lamborghini．Its youthful owner，an inventor，shattered my preconceived notions about wealth and success．This encounter ignited a recognition of entrepreneurship as a viable route to wealth．
在成長於艱困的環境中，一天我意外看到一輛藍寶堅尼。車主是一位年輕的發明家，他徹底顛覆了我對財富和成功的既定看法。這次接觸點燃了我對創業作為致富管道的認知

The Liberation from Fame and Talent
從名氣與天賦解放

This brief encounter unveiled the Fastlane－a realization that I could achieve financial success without the need for fame， talent，or a conventional career path．No longer satisfied with mediocrity，I vowed to pursue entrepreneurship，motivated by the dream of owning a Lamborghini while still young．
這短暫的邂逅揭示了快速致富之道——我意識到不需要成名、天賦或傳統職涯路徑就能獲得財務成功。我不再滿足於平庸，立志追求創業，並以年輕時擁有藍寶堅尼的夢想為動力

The Search for the Millionaire Fastlane
尋找百萬富翁的快速通道

Post－encounter，I dedicated myself to studying self－made millionaires who achieved wealth quickly without relying on physical talent．My focus was narrow；I wanted insights from those who started from average backgrounds and found
在那次經歷之後，我致力於研究那些快速致富且不依賴身體天賦的自我創富者。我的研究重點很明確；我想要了解從普通背景起步並成功的人們
success without traditional accolades．
不依循傳統榮譽的成功

Resistance into Mediocrity
對平庸的反抗

After graduating with business degrees，I perceived college as indoctrination for corporate conformity．As friends secured traditional jobs，I distanced myself from their ＂slowlane＂mindset，determined to forge my own path toward wealth．
大學畢業後，我認為大學只是一種灌輸企業順從性的場所。當朋友們找到傳統工作時，我與他們的「慢車道」思維保持距離，堅定地要為自己開闢通往財富的道路

Roadblocks，Detours，and Depression
障礙、繞路與沮喪

Unfortunately，initial entrepreneurial efforts were met with failure leading to a lack of stability．The struggle for survival resulted in various low－wage jobs，culminating in deep depression and feelings of inadequacy，especially as friends advanced in their careers．
不幸的是，初期的創業努力遭遇失敗，導致缺乏穩定性。為生存而掙扎的結果是從事各種低薪工作，最終陷入深深的沮喪和不 adequacy 感，尤其是看著朋友們在職涯上步步高升。

My Blizzard of Awakening
我的覺醒暴風雪

The breaking point arrived during a cold winter night while I worked as a limo driver．Reflecting on my circumstances sparked a powerful realization：I needed to create change in my life，prompting a decision to relocate and pursue more
在擔任禮車司機的一個寒冷冬夜，我達到了人生的轉折點。回顧自身處境，激發了一個強烈的體悟：我需要改變自己的生活，促使我決定重新開始。
favorable opportunities．
有利的機會。

The Merge from Slowlane to Fastlane
從慢車道邁向快車道的轉變

Starting anew in Phoenix，I focused on entrepreneurship with tenacity．Developing a website that catered to a specific need in the limousine market，I gradually found my footing， demonstrating the potential for growth even without prior connections．
在鳳凰城重新出發，我專注於企業家精神並堅持不懈。開發了一個針對禮車市場特定需求的網站，我逐漸找到立足點，展現即使沒有先前的人脈也能成長的潛力

A New Wealth Equation Yields Asymmetric Wealth Acceleration
一個全新的財富方程式帶來不對稱的財富加速

A friend＇s suggestion to monetize website traffic led to an innovative pivot in my business model．The initial struggles soon transformed into exponential growth，generating substantial income as I adapted and responded to market needs．
朋友建議如何將網站流量變現，促使我的商業模式發生創新轉型。起初的掙扎很快就轉變成指數型成長，隨著我調整並回應市場需求，成功創造可觀的收入

My＂Faked＂Shortcut to Wealth
我的致富「捷徑」謊言

In 2000，the dot－com boom presented an opportunity，and after multiple offers，I sold my company for

$ 1.2

million． However，this initial windfall came with pitfalls；decisions
在 2000 年，網路泡沫提供了一個機會，經過多次報價後，我以

$ 1.2

百萬元的價格賣出了我的公司。然而，這筆初始意外之財伴隨著陷阱；決定
made by new management led to rapid decline and bankruptcy．
由新管理團隊所做的決策導致迅速衰退和破產

The Birth of the Money Tree
金錢樹的誕生

Regaining control of my business became the catalyst for renewed growth．Streamlining processes allowed for a shift in workload，resulting in significant passive income－a true representation of the Fastlane．
重新掌控我的事業成為促進再次成長的催化劑。精簡作業流程讓工作負載有了轉變，進而產生可觀的被動收入 — 這是快速致富之道的真正體現。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

1．Wealth does not require fame or physical talent．
1. 財富不需要名氣或身體天賦。
2．Wealth is created asymmetrically，not linearly．
2. 財富是以非線性方式創造，而非線性累積。
3．Change can occur in an instant．
3. 改變可以在瞬間發生。
4．Embrace unconventional paths to success．
4. 擁抱成功的非傳統途徑
By age 33，I became a multimillionaire，fulfilling childhood dreams and sustaining a life of entrepreneurship and creativity，paving the way for further ventures and development projects．
在 33 歲時，我成為千萬富翁，實現了童年的夢想，並持續著創業和創意的生活，為未來的創業和發展項目鋪平道路。

Critical Thinking批判性思考

Key Point：Wealth Creation Beyond Conventional Norms
重點：超越傳統規範的財富創造

Critical Interpretation：The author champions entrepreneurship as a means to attain wealth，contrasting it with the traditional＇Get Rich Slow＇philosophy．While this viewpoint advocates for unconventional paths，it overlooks the real necessity of sustainable business practices and risk management essential for long－term success．Experts like Thomas J．Stanley and William D． Danko in their research in＇The Millionaire Next Door＇ suggest that many wealthy individuals thrive not just from entrepreneurship but also from prudent saving and investment strategies，emphasizing the merit of gradual wealth accumulation．
關鍵詮釋：作者倡導創業作為獲得財富的方式，與傳統的「慢慢致富」理念形成對比。雖然此觀點提倡非傳統路徑，但忽略了長期成功所需的永續商業實踐和風險管理的實際必要性。如同湯瑪斯‧史丹利和威廉‧丹科在《隔壁的百萬富翁》研究中指出，許多富有的個人不僅憑藉創業，還依靠審慎的儲蓄和投資策略，強調逐步累積財富的優點。

Chapter 3 Summary : The Road Trip to
第 3 章摘要：通往

Wealth財富

Section章節	Summary摘要
Wealth Is a Road Trip, Not Just a Road! 財富是一趟公路旅程，而不僅僅是一條道路！	The author's past road trip illustrates how neglecting necessary tools can stall one's journey to wealth, emphasizing the importance of focusing on the process rather than just the destination. 作者過去的公路旅行說明了忽視必要工具會阻礙致富之路，強調關注過程而非僅僅關注目的地的重要性。
Wealth's Illusionary Road 財富的虛幻道路	Many pursue wealth with incomplete strategies that overlook the holistic understanding needed for success. 許多人追求財富時採用不完整的策略，忽略了成功所需的整體性理解。
Millionaires Are Forged by Process, Not by Events 百萬富翁是透過過程打造，而非事件	Wealth is built through continuous effort and perseverance, where visible outcomes are manifestations of a deeper process. 財富是透過持續的努力和毅力建立的，可見的成果只是更深層過程的展現。
Wealth’s Road Trip Formula 財富的路途公式	Success in wealth creation consists of four key components: Your Roadmap, Your Vehicle, Your Roads, and Your Speed, which guide the journey. 在財富創造中，成功包含四個關鍵要素：你的路線圖、你的交通工具、你的道路，以及你的速度，這些都是引導旅程的重要指標。
The Road Trip Is Paved with Toll Roads 財富之路佈滿過路費	Wealth requires facing challenges and making sacrifices, with success stemming from overcoming obstacles rather than being gifted. 財富需要面對挑戰並做出犧牲，成功源於克服障礙，而非天生的恩賜。
The Road Trip Can't Be Outsourced to a Chauffeur 財富之旅無法外包給司機	Delegating the journey to others diminishes personal growth; individuals must navigate their own paths to gain wisdom and resilience. 若將人生旅程交由他人主導，就會阻礙個人成長；個人必須親自開拓道路，才能獲得智慧和韌性。
Chapter Summary: Fastlane Distinctions 章節摘要：快速通道的差異	Success requires a comprehensive approach, wealth emerges from consistent processes, and personal development is undermined by seeking external guides. 成功需要全面的方法，財富源於持續的過程，而尋求外部指引則會削弱個人發展。

Chapter 3: The Road Trip to Wealth
第 3 章：通往財富的旅程

More Free Books on Bookey
更多免費書籍，歡迎使用 Bookey

Wealth Is a Road Trip，Not Just a Road！
財富是一趟旅程，而不僅僅是一條路！

The author reflects on a past road trip that derailed due to neglecting the vehicle－paralleling many individuals＇ journeys to wealth，which often stall when focusing solely on the destination rather than the entire journey and necessary tools．
作者回憶了一次因忽視車輛而中斷的公路旅行，這與許多人追求財富的旅程相似。通常，他們只關注目的地，而忽略了整個旅程和必要的工具。

Wealth＇s Illusionary Road
財富的虛幻之路

Many people attempt to pursue wealth with incomplete knowledge or strategies that focus only on the road，ignoring the wider formula necessary for success．Various wealth－making strategies fail to address the holistic approach required for wealth creation．
許多人試圖追求財富，但卻缺乏完整的知識或只關注單一途徑，忽略了成功所需的整體策略。各種致富方法未能全面地解決創造財富所需的方法。

Install Bookey App to Unlock Full Text and Audio
安裝 Bookey 應用程式以解鎖完整的文字和語音內容

Was evident. Throughout history Britain ispower to only country that mobilized state
歷史表明，英國是唯一動員國家

Why Bookey is must have App for Book Lovers
為什麼 Bookey 是書籍愛好者必備的應用程式

30 min Content30 分鐘內容

The deeper and clearer interpretation we provide, the better grasp of each title you have.
我們提供的解讀越深入、越清晰，您對每個標題的理解就越透徹。

Text and Audio format
文字和音訊格式

Absorb knowledge even in fragmented time.
即使在零碎時間也能吸收知識。

ニン $\overset{ˇ}{x}$ 您好 $\overset{ˇ}{x}$

Quiz測驗

Check whether you have mastered what you just learned.
檢查您是否已掌握剛才學到的內容

$Δ O$ OD

And more還有更多

Multiple Voices & fonts, Mind Map, Quotes, IdeaClips…
多重聲音與字型、心智地圖、引言、想法剪輯……

Chapter 4 Summary : The Roadmaps to
第四章總結：通往

Wealth財富的路徑

Section章節

Summary摘要

The Compass for Wealth
財富指南針

Understanding your financial destination is essential. Self-made millionaires follow a defined roadmap that shapes their beliefs and actions, influencing financial outcomes.
了解你的財務目標至關重要。自我成就的百萬富翁會遵循一個明確的路線圖，這個路線圖塑造了他們的信念和行動，進而影響財務結果。

The Three Financial Roadmaps to Wealth
邁向財富的三種財務路線圖

三種主要的財務藍圖：側道藍圖 - 通往貧窮。慢道藍圖 - 意味著平庸。快速道藍圖 - 培育財富。了解這些藍圖有助於辨別它們的特徵和結果。

Three primary financial roadmaps:

The Sidewalk Roadmap - leads to poverty.

The Slowlane Roadmap - suggests mediocrity.

The Fastlane Roadmap - fosters wealth.

Understanding these roadmaps helps identify their characteristics and outcomes.

Key Mindsets (Mindposts)
關鍵心態（心智支柱）

影響財務心態的關鍵觀點包括：債務觀點、時間觀點、教育觀點、金錢觀點、主要收入來源、主要財富加速器、財富觀點、財富方程式、目的地、責任與控制、人生觀

Pivotal perceptions that influence financial mindset include:

Debt Perception

Time Perception

Education Perception

Money Perception

Primary Income Source

Primary Wealth Accelerator

Wealth Perception

Wealth Equation

Destination

Responsibility & Control

Life Perception

The Roadmaps Operate within Distinct Universes
這些藍圖在不同的宇宙中運作

Each roadmap follows its own wealth equation affecting wealth creation. Understanding these frameworks is crucial for transitioning to a more favorable roadmap.
每一張財富藍圖都遵循自身的財富方程式，影響財富創造。了解這些框架對於轉換到更有利的藍圖至關重要。

章節摘要：快速通道的區別

Chapter Summary:

Fastlane Distinctions

Transformation starts with changing beliefs and recognizing the impact of your financial roadmap on your outcomes, emphasizing conscious navigation towards financial success.
轉型從改變信念開始，並認識到財務藍圖對結果的影響，強調對財務成功的有意識導航。

More Free Books on Bookey
更多免費書籍在 Bookey

The Roadmaps to Wealth
通往財富的藍圖

The Compass for Wealth
財富的指南針

Understanding your financial destination is crucial；without a defined path，you risk ending up where you do not wish to be．Self－made millionaires gain wealth through intentional decisions，guided by their financial roadmap．This roadmap shapes beliefs and actions，ultimately determining your financial outcomes．If you desire to change your life，the first step is to reconsider your roadmap，as your beliefs－both true and false－drive your decisions．
了解你的財務目標至關重要；若沒有明確的路徑，你可能會陷入不想要的境地。自我成就的百萬富翁透過有意識的決策獲得財富，並以其財務藍圖為指引。這份藍圖塑造了信念和行動，最終決定你的財務成果。如果你想改變生活，第一步就是重新審視你的藍圖，因為你的信念──無論是真是假──都驅動著你的決策。

The Three Financial Roadmaps to Wealth
邁向財富的三種財務藍圖

There are three primary financial roadmaps that influence your journey：
影響你財務旅程的三大主要藍圖：
1．The Sidewalk Roadmap1. 人行道藍圖
2．The Slowlane Roadmap2. 慢車道藍圖
3．The Fastlane Roadmap3. 快車道藍圖
Each roadmap reflects a belief system that dictates your financial actions and is associated with particular outcomes：
每一種路線圖都反映了一種信念系統，它決定了你的財務行為，並與特定的結果相關：
－The Sidewalk leads to poverty．
—— 人行道通向貧窮。
－The Slowlane suggests mediocrity．
—— 慢車道意味著平庸。
－The Fastlane fosters wealth．
—— 快車道培育財富
Understanding the true essence of these roadmaps is essential，as each possesses inherent characteristics that lead to its respective destination．
了解這些路線圖的真正本質至關重要，因為每一條路線都具有引導至相應目的地的固有特徵。

Key Mindsets（Mindposts）關鍵心態（心智信念）

The journey along each roadmap includes pivotal perceptions that govern your financial mindset：
沿著每條路線的旅程，包含了支配你財務思維的關鍵觀念：

Debt Perception債務認知

：Control over debt and its impact．
：控制債務及其影響。

Time Perception時間感知

：Valuation of time and its management．
：對時間的估值及其管理。
－

Education Perception教育認知

：Importance of education in financial success．
財務成功中教育的重要性
－

Money Perception金錢認知

：Your view of money－tool vs．toy．
你對金錢的看法—工具還是玩具

Primary Income Source主要收入來源

：How you earn a living．
你如何賺取生活費
－

Primary Wealth Accelerator
主要財富加速器

：Methods to enhance your net worth．
：提升你淨資產的方法
－減號

Wealth Perception財富觀點

：Your definition of wealth．
：你對財富的定義。
－

Wealth Equation財富方程式

：The mathematical principles guiding your wealth accumulation．
指引你累積財富的數學原理。
－

Destination目標地點

：The clarity of your financial goals．
：對你財務目標的清晰認知。
－

Responsibility \＆Control
責任與控制

：Your control over financial decisions．
你對財務決策的控制力。
－

Life Perception人生觀

：Your approach to life and prioritization．
你對人生的態度與優先順序。

The Roadmaps Operate within Distinct Universes
不同的路徑運作在各自的獨特世界中

Each financial roadmap operates under its own wealth equation，dictating the rate of wealth creation．Like physical laws，these equations impose limits and potentials for wealth accumulation．Transferring to a more advantageous roadmap requires understanding these distinct frameworks．
每個財務路徑都有其自身的財富方程式，決定財富創造的速度。就像物理定律一樣，這些方程式為財富累積設定了限制與潛能。要轉換到更有利的路徑，必須先理解這些不同的框架。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Transformation begins with changing your beliefs and recognizing how your roadmap influences them．Each financial route directs you to specific outcomes－poverty， mediocrity，or wealth－reinforcing the need for conscious navigation toward financial success．
轉變始於改變你的信念，並認識到你的路徑如何影響它們。每個財務路線都會引導你走向特定的結果──貧窮、平庸或財富──強化了對財務成功有意識導航的必要性

Critical Thinking批判性思考

Key Point：The importance of a financial roadmap in shaping financial destinies varies widely among individuals．
關鍵重點：個人在塑造財務命運時，財務藍圖的重要性會因人而異

Critical Interpretation：While M．J．DeMarco emphasizes the necessity of having a defined financial path to avoid poor outcomes，it＇s crucial to recognize that not everyone adheres strictly to these roadmaps or perceives wealth in the same way．Critics argue that such frameworks may oversimplify the complexities of personal finance or overlook factors like socio－economic background and unforeseen life events that can complicate wealth accumulation．Alternative perspectives on financial success，such as those presented by behavioral economists（Ariely，Dan；＇Predictably Irrational＇），illustrate that consumer behavior and decision－making often defy structured roadmaps，suggesting that understanding the nuances of individual experiences is equally essential．
批判性解讀：雖然 M.J. DeMarco 強調具有明確的財務路徑以避免不佳的結果，但必須認識到並非每個人都嚴格遵循這些藍圖，或以相同方式看待財富。評論家認為，此類框架可能過度簡化個人財務的複雜性，或忽略社經背景和不可預見的生活事件等因素，這些因素可能會使財富累積變得更加困難。替代性的財務成功觀點，如行為經濟學家（丹‧艾瑞里，《預測性非理性》）所提出的，說明消費者行為和決策常常違背結構化的藍圖，暗示理解個人經驗的細微差別同樣至關重要。

Chapter 5 Summary : The Road Most
第 5 章總結：最常被行走的道路

Traveled: The Sidewalk最常被行走的道路：人行道

Section章節	Summary摘要
Chapter Title章節標題	The Road Most Traveled: The Sidewalk 最常被行走的道路：人行道
Sidewalk Roadmap人行道藍圖	Represents a financial path of prioritizing immediate pleasure over long-term security, leading to potential financial instability. 代表一種財務路徑，優先考慮當下的享樂勝於長期安全，可能導致財務不穩定。
What Is a Sidewalker? 什麼是「人行道族」？	A Sidewalker lacks a financial plan, focusing on instant gratification, neglecting saving and wise spending. 「人行道族」缺乏財務規劃，專注於立即的滿足感，忽視儲蓄和明智的支出。
The Mindposts of a Sidewalker 側邊人的心態	Mindsets affecting behavior: view debt as gratification, life as short, education as complete post-graduation, equating wealth with consumption, focus on immediate earnings, and embrace a "live for today" mentality. 影響行為的心態：將債務視為滿足、生命如曇花一現、教育止於畢業、將財富等同於消費、專注於即時收入，並擁抱「及時行樂」的心態。
Disturbing Sidewalking Facts 令人不安的人行道生活事實	Statistics show many people have minimal or negative net worth, emphasizing the pitfalls of the Sidewalk lifestyle. 統計數據顯示，許多人的淨資產微乎其微，甚至為負值，凸顯了側邊人生活方式的陷阱。
The Standard Sidewalker: Income Poor 標準側邊人：收入貧乏	Reflects lower middle class, living beyond means while posing as wealthy, reliant on loans. 反映出中低收入階級的特徵，表面上裝富有但超出實際經濟能力，靠貸款維持生活。
Sidewalking Symptoms在人行道上行走的症狀	Indicators include poor financial education, frequent job changes, credit reliance, and quick wealth fixes. 症狀包括財務知識匱乏、頻繁跳槽、依賴信貸，以及追求快速致富的幻想。
The Sidewalk's Gravitational Pull 人行道的引力效應	Living on the Sidewalk can lead to poverty, with financial hardships escalating quickly. 在人行道上生活可能導致貧窮，財務困境會迅速惡化。
Money Doesn't Solve Money Problems 金錢無法解決金錢問題	The belief that more money can fix financial mismanagement is flawed and a false sense of security. 認為多賺錢就能解決財務管理不善的想法是有缺陷的，這只是一種虛假的安全感。
The Affluent Sidewalker: Income-Rich 富有的路人：高收入族群	High-income Sidewalkers can still face financial ruin due to uncontrolled spending and credit reliance. 高收入的路人仍可能因為無節制的消費和依賴信貸而面臨財務崩潰。
The Income/Wealth收入與財富	Both income-poor and income-rich Sidewalkers face the same financial issues: poor management. 無論是收入微薄或收入豐厚的路邊族，都面臨相同的財務問題：財務管理不當。

More Free Books on Bookey
更多免費書籍在 Bookey

Section章節	Summary摘要
Mirage海市蜃樓
Chapter Summary章節總結	Lack of a financial plan leads to poverty．Increased income doesn＇t fix mismanagement；true wealth requires a mindset shift away from the Sidewalk．缺乏財務規劃會導致貧窮。增加收入並不能解決管理不善的問題；真正的財富需要從路邊族的思維模式徹底轉變。

Chapter 5：The Road Most Traveled：The Sidewalk
第 5 章：最常走的道路：路邊族

The Sidewalk Roadmap人行道地圖

The Sidewalk represents the common financial path where individuals prioritize immediate pleasure over long－term security．Sidewalkers are perpetually at risk of financial instability，living paycheck to paycheck and often just one setback away from severe consequences like bankruptcy or homelessness．
人行道代表一種普遍的財務模式，個人將即時享樂置於長期安全之上。人行道族群持續面臨財務不穩定的風險，過著入不敷出的生活，且往往只要遇到一次挫折，就可能面臨破產或無家可歸等嚴重後果。

What Is a Sidewalker？
什麼是人行道族群？

A Sidewalker lacks a financial plan，prioritizing instant gratification over saving and investing．They typically spend surplus money on fleeting pleasures，neglecting responsibility and wise financial choices in favor of consumption and superficial appearances．
人行道族群缺乏財務規劃，重視立即性滿足勝過儲蓄和投資。他們通常將多餘的錢花在短暫的快樂上，忽視責任和明智的財務選擇，轉而追求消費和虛華的外表

The Mindposts of a Sidewalker
側邊人的心態

Sidewalkers carry specific mindsets, affecting their behaviors regarding money and life:
側線人攜帶特定的心智模式，影響他們對金錢和生活的行為：

Debt Perception:
Views credit as a tool for instant gratification.
債務觀點：將信用視為即時滿足的工具。

Time Perception:時間感知：

Sees life as short, leading to impulsive spending.
認為生命短暫，導致衝動性消費。

Education Perception:教育認知：

Believes learning ceased post-graduation.
認為畢業後學習就此終止。

Money Perception:
Equates wealth with spending and lifestyle/display.
金錢認知：將財富等同於花費和生活方式/展示。

Primary Income Source:
Focused solely on immediate earnings.
主要收入來源：僅關注當下的收入。

Wealth Equation:
Measures wealth by income plus debt.
財富方程式：以收入加上債務來衡量財富。

Life Perception:人生觀：

Embraces a＂live for today＂mentality，ignoring future consequences．
擁抱「及時行樂」的心態，忽視未來可能的後果。

Disturbing Sidewalking Facts
令人不安的人行道生活事實

Statistical evidence illustrates that many individuals have minimal to no net worth，highlighting the failures of the Sidewalk lifestyle，which is common even among seemingly successful people．
統計證據顯示，許多人的淨資產微乎其微甚至為零，突顯了人行道生活方式的失敗，即使是看似成功的人也常落入此困境。

The Standard Sidewalker：Income Poor
標準的人行道族群：收入貧乏

Income－poor Sidewalkers reflect the lower middle class， living beyond their means while maintaining an image of wealth，completely reliant on loans and credit．
收入匱乏的人行道行人反映了中低階級，他們過度消費卻維持富有的外表，完全仰賴貸款和信貸。

Sidewalking Symptoms：Are You on It？
人行道症候群：你是否正處在其中？

Indicators of Sidewalking behavior include poor financial education，frequent job changes for marginal gains，reliance on credit，living paycheck to paycheck，or seeking quick fixes like gambling for wealth．
人行道行為的指標包括財務教育匱乏、為微薄收益頻繁跳職、依賴信貸、月光族生活方式，或尋求賭博等快速致富的方法。

The Sidewalk＇s Gravitational Pull：Poverty
人行道的重力：貧窮

Living on the Sidewalk leads inexorably to poverty， sacrificing future security for present comforts．Financial setbacks like layoffs can turn temporary issues into long－term crises for Sidewalkers．
在人行道上生活必然導向貧窮，犧牲未來的安全保障以換取當下的舒適。像是失業等財務挫折，可能會讓人行道行人的暫時性問題轉變成長期危機

Money Doesn＇t Solve Money Problems
金錢無法解決金錢問題

The fundamental flaw in the Sidewalk mindset is the belief that more money can resolve poor financial management． This illusion persists across income levels，creating a false sense of security．
側邊人心態中的根本缺陷，在於相信更多錢可以解決糟糕的財務管理。這種錯覺在各種收入水平中持續存在，造成一種虛假的安全感。

The Affluent Sidewalker：Income－Rich
富裕的側邊人：高收入

Despite high incomes，many affluent Sidewalkers face financial ruin due to unrestrained spending habits and reliance on credit，replicating the same pitfalls as the income－poor．
儘管收入高，許多富裕的側邊人仍因肆意消費習慣和依賴信用卡而面臨財務崩潰，重蹈低收入族群的覆轍。

The Income／Wealth Mirage of the Sidewalk
側邊人的收入／財富海市蜃樓

The coexistence of income－poor and income－rich Sidewalkers shares the same financial issues－poor
收入匱乏與收入豐厚的路邊行人卻面臨相同的財務困境
management．The solution lies not in increasing income but in changing one＇s mindset and financial strategy．
管理。解決之道不在於增加收入，而是改變思維模式和財務策略。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Operating without a financial plan on the Sidewalk leads to poverty．More money cannot fix mismanagement，and the illusion of wealth disappears when income is lost．True wealth requires a shift in mindset and a departure from the Sidewalk．
在路邊行走時不制定財務計畫，只會導致貧窮。更多的錢無法彌補糟糕的理財，當收入中斷時，財富的假象也隨之消失。真正的財富需要改變思維，並離開這條路邊。

Example範例

Key Point：Financial freedom requires a disciplined mindset，not merely a higher income．
關鍵點：財務自由需要紀律的心態，而非僅僅是更高的收入

Example：Imagine you come into a windfall from a tax refund．Instead of saving or investing，you use it to splurge on a new car and a vacation，feeding the Sidewalk mentality of instant gratification．It feels good now，but what happens when unexpected expenses arise？Without a solid financial plan，that momentary pleasure could lead to long－term instability，illustrating that true wealth stems from smart money management， not reckless spending．
舉例來說：想像你從退稅中得到意外之財。不是存起來或投資，而是用它大肆揮霍買輛新車和度假，助長了人行道心態中追求立即享受的想法。現在感覺很爽，但要是突發開支出現怎麼辦？沒有穩健的財務計劃，那短暫的快樂可能導致長期不穩定，說明真正的財富來自精明的金錢管理，而非不計後果的花費。

Critical Thinking批判性思考

Key Point：The Short－Sighted Nature of Immediate Gratification
關鍵觀點：短視近利的本質

Critical Interpretation：DeMarco argues that individuals who prioritize immediate satisfaction jeopardize their long－term financial stability，thus fostering a culture of consumption devoid of savings or investment strategies． This perspective resonates with financial education sources like Dave Ramsey，who suggests that living within one＇s means and planning for the future are essential for true wealth accumulation．However，one might question whether the author overlooks significant structural factors，such as socioeconomic background and systemic barriers，that can equally influence an individual’s financial behaviors and decisions．Critics point out that not all who struggle with financial stability lack foresight；often，financial education and supporting resources are unavailable or insufficient，as noted in works like＇Your Money or Your Life＇by Vicki Robin．
關鍵解讀：德馬可認為，那些優先考慮即時滿足的人會危及自身的長期財務穩定性，從而形成一種缺乏儲蓄和投資策略的消費文化。這種觀點與戴夫·拉姆西等財務教育資源的看法相呼應，他建議在自身能力範圍內生活並為未來做規劃，是累積真正財富的關鍵。然而，人們可能會質疑作者是否忽略了社經背景和系統性障礙等重要結構性因素，這些同樣會影響個人的財務行為和決策。評論家指出，並非所有財務不穩定的人都缺乏遠見；常常是財務教育和支持性資源不可得或不足，就像維琪·羅賓的著作《你的錢或你的生活》中所指出的。

Chapter 6 Summary : Has Your Definition of Wealth Been Poisoned?
第 6 章總結：你對財富的定義是否已被扭曲？

Section章節	Summary摘要
Introduction引言	Inner power can unlock unforeseen possibilities by changing beliefs. 內在力量可以透過改變信念，解鎖未預見的可能性。
Default Definitions of Wealth 預設的財富定義	Culture defines wealth, often toxically associated with luxury and materialism, conditioning individuals to accept these views. 文化定義財富，常帶有有毒的奢華和物質主義色彩，使人們被 conditioning 接受這些觀點。
Wealth Can't Be Bought for 60 Easy Payments 財富不能用 60 期分期付款購買	The author recounts a personal experience highlighting that true wealth is not about extravagant spending or appearances. 作者分享了一段個人經歷，突顯真正的財富並非關乎奢侈花費或表面裝飾。
The Illusion of Wealth: Looking Rich 財富的假象：看起來富有	Many prioritize appearing wealthy over being wealthy, facilitated by financing options; true wealth involves independence and informed decision-making. 許多人重視看起來富有，而非真正富有，這往往藉由各種融資選擇得以實現；真正的財富在於獨立性和明智的決策。
The Wealth Trinity財富三位一體	True wealth consists of family, fitness, and freedom, serving as foundational elements for happiness. 真正的財富由家庭、健康和自由組成，這些是幸福的基本要素。
Faux Wealth Destroys Real Wealth 假象財富摧毀真正財富	Pursuing societal standards of wealth (faux wealth) can trap individuals and harm genuine wealth, affecting freedom and relationships. 追求社會上的財富標準（虛假財富）可能會限制個人並損害真正的財富，影響自由和人際關係。
Chapter Summary: Fastlane Distinctions 章節摘要：快速通道的區別	Wealth is socially constructed; true wealth isn't material or financed but is based on relationships, health, and freedom; faux wealth creates financial burdens. 財富是社會建構的；真正的財富不是物質或金錢，而是建立在人際關係、健康和自由上；虛假財富會造成財務負擔。

Chapter 6: Has Your Definition of Wealth Been Poisoned?
第六章：你的財富定義是否已被扭曲？

Introduction引言

The chapter begins with the assertion that one possesses the inner power to achieve unforeseen possibilities, which can be unlocked by changing one’s beliefs.
本章開始主張，每個人都擁有內在力量去實現意想不到的可能性，只要改變自身信念就能解鎖這些潛能。

The Default Definitions of Wealth，Per Culture
依文化而定的財富預設定義

－Culture often defines wealth，leading to toxic interpretations whether one follows the Sidewalk or Slowlane roadmaps．
— 文化通常會定義財富，不論是追隨人行道或是緩速道的人生路線，往往會導致有害的理解。
－The Sidewalk perspective equates wealth to luxury items and a lavish lifestyle as portrayed through media and consumerism．
— 人行道的觀點將財富等同於奢侈品和媒體與消費主義所展現的奢華生活方式。
－Wealth is commonly viewed in terms of extravagant possessions rather than deeper values，and many are conditioned to accept these definitions．
— 財富通常被視為是奢華的財產，而非更深層的價值，許多人已被 conditioning 接受這些定義

Wealth Can＇t Be Bought for 60 Easy Payments
財富不是用 60 期分期付款就能買到

－The author shares a personal anecdote of experiencing a false sense of wealth after selling a company，only to realize that true wealth is not about extravagant spending or appearances．
作者分享了一個個人經歷，講述了在賣出公司後曾經感受到虛假的財富感，最終意識到真正的財富並不在於奢侈的花費或表面的光鮮亮麗。
－The realization is drawn that manv people create a facade of
意識到許多人只是在營造一種虛假的外表

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文字與音訊

Positive feedback正面回饋

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在每個書摘後的測試不僅幫助理解，而且讓閱讀更加生動有趣。Bookey 對我來說真的很棒。

Awesome app!超讚的 App！

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我很喜歡有聲書，但並非總是有時間聽完整本書！bookey 讓我能夠獲得我感興趣書籍的重點摘要！！！真是個太棒的概念！！！強烈推薦！

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Bookey 讓我能夠快速瀏覽一本書的重點內容。它還能幫助我判斷是否值得購買完整版書籍！使用起來非常方便！

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太愛了！\section{太愛了！}

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這個 App 對於生活忙碌的書迷來說真是救星。總結內容精準扼要，心智圖更幫助我鞏固所學。強烈推薦！

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Bookey 免費試用

Chapter 7 Summary ：Lifestyle Servitude：The Thief of Happiness
第 7 章摘要：生活方式奴役：幸福的竊賊

Chapter 7：Lifestyle Servitude：The Thief of Happiness
第 7 章：生活方式奴役：幸福的竊賊

Money Doesn＇t Buy Happiness ．．．Does Poverty？
金錢買不到幸福……貧窮就可以嗎？

－The belief that money doesn＇t buy happiness often stems from a mindset that resigns itself to poverty．
「金錢買不到幸福」的信念，往往源自於一種甘於貧窮的心態
－Studies suggest a correlation between financial success and unhappiness，but fail to address the deeper issue of ＊servitude＊which limits freedom rather than expands it．
研究顯示金融成功與不快樂之間存在關聯，但未觸及更深層的奴役議題，而這種奴役限制了自由，而非擴展自由。
－Overconsumption linked to higher earnings can lead to ＊Lifestyle Servitude＊，negatively impacting family，fitness， and freedom．
與較高收入掛鉤的過度消費可能導致生活方式奴役，對家庭、健康和自由造成負面影響

Normalcy Is the Rat Race，a Modern－Day Slavery
平凡就是老鼠競賽，一種現代奴役制度

－Societal norms dictate a life of routine and financial restrictions which equate to modern－day slavery．
社會常規主導了一種被限制財務且重複單調的生活，這實際上等同於現代的奴役制度。
－True wealth is identified by freedom rather than adherence to conventional financial norms and consumerism．
真正的財富是由自由定義，而非遵循傳統的財務規範和消費主義。

The Proper Use of Money
金錢的正確運用

－Mismanaged money leads to bondage instead of freedom， equating wealth with consumer goods．
金錢管理不當會導致束縛而非自由，將財富等同於消費品。
－When money is accumulated and invested wisely，it transforms into freedom，choices，and enriching experiences．
當金錢明智地累積和投資時，它會轉化為自由、選擇和豐富的經歷。
－Money allows for the freedom to nurture important relationships，pursue dreams，and live a fulfilling life．
金錢讓人有自由去培養重要的人際關係，追求夢想，並過上充實的生活。

Lifestyle Servitude：The Trap of the Sidewalk
生活奴役：側走道的陷阱

－Personal experiences of the author highlight the cycle of increasing income leading to higher living expenses and debt．
－作者個人的經驗凸顯出收入增加卻導致生活開支和債務攀升的循環。
－This cycle traps individuals，making them reliant on jobs they dislike and perpetuating lifestyle imprisonment．
－這個循環將個人困在原地，使他們被迫依賴自己不喜歡的工作，持續陷入生活的牢籠。

If You Think You Can Afford It－You Can＇t
如果你認為你負擔得起—其實你付不起

－Genuine affordability is characterized by purchases made without deliberation or financial strain．
－真正的可負擔性，是指不需猶豫或造成財務壓力就能進行的消費
－If buying something requires mental gymnastics or future
如果購買某樣東西需要費盡心思或未來
uncertainties，then it is likely unaffordable．
如果存在不確定性，那麼這可能是無法負擔的

The Bait of Lifestyle Servitude
生活奴役的誘餌

－Instant gratification leads to poor financial decisions，often resulting in debt and unhealthy lifestyles．
即時享樂導致糟糕的財務決策，往往造成債務和不健康的生活方式
－Both wealth and health require discipline，long－term planning，and the ability to resist quick rewards．
──富裕與健康都需要紀律、長期規劃，以及抗拒立即獎勵的能力。

Look for the Hook！
尋找關鍵點！

－Advertisements prey on the desire for instant gratification， pushing consumers into traps of debt and lifestyle servitude．
──廣告利用人們對即時滿足的渴望，將消費者推入債務和生活奴役的陷阱。
－Recognizing these marketing tactics helps individuals avoid becoming victims of consumerism that compromises their freedom．
──了解這些行銷策略，有助於個人避免成為消費主義的受害者，進而維護自身的自由

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－Money is often misused for consumer goods that detract from freedom；true happiness comes from good health， freedom，and strong relationships．
金錢常被用於購買消費品，這些消費品阻礙了自由；真正的快樂來自於良好的健康、自由和穩固的人際關係。
－Awareness of how money affects freedom can help individuals avoid the traps of＊Lifestyle Servitude＊and ultimately lead to greater happiness．
了解金錢如何影響自由，可以幫助個人避免＊生活奴役＊的陷阱，並最終達到更大的幸福。

Critical Thinking批判性思考

Key Point：The impact of financial habits on personal freedom and happiness．
關鍵點：財務習慣對個人自由和幸福的影響。

Critical Interpretation：In＇The Millionaire Fastlane，＇M．J． DeMarco contends that financial habits，particularly those that foster overconsumption，can lead to a state of ＇Lifestyle Servitude＇which ultimately stifles personal freedom and happiness．However，this perspective invites debate；numerous studies suggest a nuanced relationship between wealth and happiness，indicating that while money can alleviate hardship，its ability to provide lasting happiness is complex and varies among individuals（Diener \＆Seligman，2004）．Additionally， contrasting views in behavioral economics emphasize that psychological factors play a critical role in how we perceive wealth and satisfaction，making it important to critically evaluate DeMarco＇s assertions．
批判性詮釋：在《百萬富翁快車道》中，M.J. DeMarco 主張財務習慣，尤其是那些助長過度消費的習慣，可能導致「生活奴役」狀態，最終抑制個人自由和幸福。然而，這種觀點引發了爭議；許多研究顯示財富與幸福之間存在微妙的關係，表明金錢可以緩解困境，但其提供持久幸福的能力是複雜的，並因人而異（Diener & Seligman，2004）。此外，行為經濟學中的對比觀點強調心理因素在我們感知財富和滿足感中扮演關鍵角色，這使得批判性評估 DeMarco 的論點變得至關重要

Chapter 8 Summary : Lucky Bastards Play The Game
第 8 章總結：幸運兒玩遊戲

Lucky Bastards Play The Game
幸運兒玩遊戲

Psst . . . Wanna Get Lucky?
嘿，想要變幸運嗎？

The author reflects on how being labeled a “lucky bastard” is a misconception often held by those who do not engage actively in pursuits. For example, two brothers, Joe and Bill, represent different mindsets: Joe sits idle, believing in luck, while Bill takes initiative, working towards his goals.
作者反思，被標記為「幸運兒」往往是那些不積極追求目標的人所持有的錯誤觀念。舉例來說，喬和比爾這兩兄弟代表了不同的心態：喬消極坐等，相信運氣，而比爾則主動出擊，為實現目標而努力。

Self-Made Millions Arise from Self-Made Luck
白手起家的百萬身家源於自我創造的機遇

Mark Cuban＇s success story emphasizes that luck is often perceived as an event rather than a result of dedicated processes．The narrative surrounding luck ignores the hard work involved in successful ventures．Being proactive increases the chances of encountering opportunities．
馬克·庫班的成功故事強調，運氣常被視為一個事件，而非專注過程的結果。圍繞運氣的敘事忽略了成功事業中的艱苦付出。主動出擊能增加遇見機會的機率。

Renounce the＂Big Hit＂as Your Financial Plan
拋棄「一擊即中」作為你的財務計畫

The author critiques the Sidewalkers＇preoccupation with sudden wealth through big hits－quick financial gains commonly associated with lotteries or speculative investments．Sidewalkers are often disillusioned by the belief that wealth comes without effort．
作者批評了側邊人對透過大賺一筆所帶來的驟增財富的迷戀 - 這種快速財務收益通常與彩票或投機性投資有關。側邊人常常幻想財富可以不勞而獲。

Getting Swindled：A Sidewalker＇s Temptation
被騙了：側邊人的誘惑

Many people fall for schemes promising quick wealth．These scammers target those looking for shortcuts and events instead of imparting the necessary processes to achieve success．It＇s crucial to understand the methods of selling rather than falling for them．
許多人都會上當那些承諾快速致富的騙局。這些騙子針對那些尋找捷徑和機會的人，而不是傳授達成成功所需的流程。瞭解銷售的方法至關重要，而不是輕易上當。

Disemrarking the Sidewalk：The Three Anchors
離開側邊人：三大支柱

Three limiting beliefs keep Sidewalkers trapped：the need for luck，the idea that wealth can be easily acquired，and the belief that others can provide wealth．Understanding these misconceptions is vital for breaking away from the Sidewalk mindset．
三種限制性信念讓邊路人陷入困境：對運氣的需求、財富可以輕易獲得的想法，以及認為他人可以提供財富的信念。了解這些誤解對於擺脫邊路人思維至關重要。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Luck，like wealth，results from a process rather than singular events；it flourishes with increased probabilities from consistent action．Seeking quick gains（big hits）leads to a mindset that hinders success，contrasting with the proactive approach of the Fastlane．
運氣就像財富一樣，是一個過程的結果，而非單一事件；它會隨著持續性行動而增加機率。追求快速收益（大獎）會導致一種阻礙成功的心態，這與快速通道的積極主動方法形成對比。

Chapter 9 Summary ：Wealth Demands Accountability
第 9 章總結：財富要求問責

Wealth Demands Accountability
財富要求問責

＊Responsibility is the price of greatness．＊
＊責任是偉大的代價。＊
－Winston Churchill ─溫斯頓·邱吉爾

Hitchhikers Don＇t Drive！
搭便車的人不開車！

Hitchhiking across the country symbolizes the Sidewalker mentality of relying on others for financial success．This approach is dangerous and can lead to victimhood，as demonstrated by an anecdote about a Ponzi scheme where a mother wisely chose not to invest，avoiding disaster．
攔車搭便車橫跨國家，象徵著依賴他人來達成財務成功的邊緣人心態。這種方式是危險的，可能導致受害者心態，正如一個龐氏騙局的軼事所示，一位母親明智地選擇不投資，從而避免了災難。

The Law of Victims
受害者法則

The Law of Victims states that one cannot be a victim if they do not relinquish control to others．Those who avoid responsibility often cast blame externally，embodying an external locus of control．This mindset leads to a victim
受害者法則指出，如果不將控制權交給他人，就無法成為受害者。那些迴避責任的人，往往會對外歸咎，顯現出外部控制中心。
mentality，demonstrated by individuals who complain about their circumstances while ignoring their choices．
心態，表現在那些抱怨自身處境卻忽視自身選擇的人身上。

The Politics of Hitchhiking
搭便車的政治學

Society has fostered a culture of dependence，with individuals looking to the government and others for solutions．This misguided belief leads to financial irresponsibility and a lack of personal accountability， contributing to economic crises．True control comes from taking charge of one＇s choices and not relying on external entities for financial security．
社會已培養出依賴的文化，人們期望政府和他人為其提供解決方案。這種錯誤的信念導致財務不負責任和缺乏個人責任感，進而助長經濟危機。真正的控制來自於掌握自身選擇，而非依賴外部實體的財務保障

Wealth Demands Responsibility，Followed by Accountability
財富需要責任，接著是究責

Responsibility and accountability are distinct yet intertwined concepts．While someone can acknowledge a mistake．true
責任和究責是截然不同卻又緊密相連的概念。雖然某人可以承認錯誤，真正的

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文字與音訊

Finish Your Reading Challenge, Donate Books to African Children.
完成你的閱讀挑戰，捐贈書籍給非洲兒童。

The Concept這個理念

This book donation activity is rolling out together with Books For Africa. We release this project because we share the same belief as BFA: For many children in Africa, the gift of books truly is a gift of hope.
這項書籍捐贈活動是與「非洲書籍基金會」（Books For Africa）共同推出。我們發起這個專案，是因為我們與 BFA 有相同的信念：對於非洲許多兒童來說，書籍是真正的希望之禮。

The Rule規則

Your learning not only brings knowledge but also allows you to earn points for charitable causes! For every 100 points you earn, a book will be donated to Africa.
你的學習不僅帶來知識，還能為慈善事業賺取積分！每累積 100 分，就會捐贈一本書給非洲。

Chapter 10 Summary : The Lie You've Been Sold: The Slowlane
第 10 章總結：你被騙的謊言：慢車道

Section章節	Summary摘要
Overview總覽	Chapter 10 critiques the Slowlane approach to wealth, emphasizing it often leads to financial mediocrity and unfulfilled lives. 第 10 章批評了邁向財富的「慢車道」方法，強調這種方式往往導致財務平庸和未實現的人生。
Next Exit: "Slowlane" Mediocrity Ahead 下一個出口：「慢車道」庸庸碌碌	Slowlane mindset is shaped by society's focus on long-term saving, which can hinder personal dreams and lead to strict budgets. 慢車道心態是由社會對長期儲蓄的關注所形塑，這可能阻礙個人夢想並導致嚴格的預算。
The Promise of Wealth . . . The Price? Your Life 財富的承諾……代價？你的生命	The Slowlane promotes future wealth through frugality, but may deprive individuals of enjoying life in the present. 慢車道透過節儉來促進未來財富，但可能剝奪個人享受當下生活的機會。
Slowlane Mindposts and Missives 慢車道的心態與訊息	Those in the Slowlane often equate wealth with job income & investments, neglecting life's meaningful experiences. 慢車道上的人往往將財富等同於工作收入與投資，忽略了生命中有意義的經歷。
The Slowlane Roadmap: A Mathematical Introduction 慢車道路線圖：數學介紹	Introduces a wealth equation illustrating the limitations of the Slowlane, combining job income with market investment growth. 介紹一個財富方程式，闡明慢車道的限制，結合工作收入與市場投資增長。
Have You Sold Your Soul for a Weekend? 你是否為了週末賣掉了靈魂？	Daily routines can dull life's beauty; people may miss out on appreciating art and nature around them. 日常生活可能會使生活的美麗變得麻木；人們可能會錯過欣賞周圍的藝術和自然。
"Thank God It's Friday": Born and Bred in the Slowlane 「感謝上帝，終於週五了」：在慢車道上出生和成長	Friday symbolizes the flawed reward system for five days of labor, reinforcing a cycle of mediocrity. 週五象徵著對五天勞動的扭曲獎勵機制，強化了平庸的循環。
Negative 60%: The Dismal Return of the Slowlane 負 60%：慢車道的慘澹回報	DeMarco argues that trading five days of work for two days of freedom yields a negative return on life. 德馬科認為，用五天工作換取兩天自由，其實是對生命的負面回報。
Normal Is Condemnation to Mediocrity 平庸是一種詛咒	Acceptance of the Slowlane can lead to a lifeless existence; reevaluating this mindset is essential for fulfillment. 接受慢車道可能導致毫無生氣的存在；重新評估這種心態對於實現人生價值至關重要。
Chapter Summary: Fastlane Distinctions 章節摘要：快速通道的差異	Summarizes the Slowlane as a flawed path to wealth; true wealth is best experienced early in life, and breaking societal norms leads to fulfillment. 總結慢速道是一個通往財富的有缺陷路徑；真正的財富最好是在人生早期體驗，打破社會常規能帶來成就感。

The Lie You＇ve Been Sold：The Slowlane
你被騙的謊言：慢車道

Overview總覽

In Chapter 10 of＂The Millionaire Fastlane，＂M．J．DeMarco discusses the shortcomings of the Slowlane approach to wealth accumulation，contrasting it with the Sidewalk lifestyle．The Slowlane involves sacrificing present enjoyment for a potentially affluent future，which often leads to financial mediocrity and unfulfilled lives．
在《百萬富翁快速道》第 10 章中，M.J. DeMarco 探討了「慢速道」累積財富方法的缺陷，並與「人行道」生活型態進行對比。慢速道意味著犧牲當下的享受以換取可能的未來富裕，但這往往導致財務平庸和生活未實現。

Next Exit：＂Slowlane＂Mediocrity Ahead
下一個出口：前方是「慢車道」的平庸

The Slowlane mindset emerges from societal pressures to secure a stable life through long－term saving and investment strategies，often encouraged by trusted sources．However， this plan can trample on personal dreams，leading to an existence dominated by strict budgets and delayed gratification．
慢速道心態源於社會壓力，要求透過長期儲蓄和投資策略來確保穩定生活，這通常是由可信賴的來源所鼓勵。然而，這個計劃可能會踐踏個人夢想，導致生活被嚴格的預算和延遲享受所主宰。

The Promise of Wealth ．．．The Price？Your Life
財富的承諾……代價？就是你的生命

The Slowlane promotes the idea of a comfortable retirement achieved through years of frugality，but often results in sacrificing the joys of life in the present．DeMarco illustrates this through the story of Joe，who diligently follows the plan only to die young without having lived richly．
慢車道提倡一種透過多年節儉達到舒適退休的想法，但往往導致犧牲當下生活的喜悅。狄馬可透過喬的故事說明這一點，喬勤奮地遵循計畫，卻在未能充分生活的情況下英年早逝。

Slowlane Mindposts and Missives
慢車道的心態與訊息

Individuals in the Slowlane internalize beliefs that reinforce a life of sacrifice，equating wealth solely with job income and market investments．This mentality often leads to a lack of appreciation for life and experiences．
慢車道的人們內化了那些強化犧牲生活的信念，將財富等同於工作收入和市場投資。這種心態常常導致對生活和經歷缺乏欣賞。

The Slowlane Roadmap：A Mathematical Introduction
慢車道路線圖：數學導論

DeMarco presents a wealth equation central to the Slowlane， which combines job income with market investment growth． This mathematical foundation highlights the limitations of the Slowlane approach．
德馬科提出了一個與慢車道密切相關的財富方程式，結合工作收入與市場投資增長。這個數學基礎凸顯了慢車道方法的局限性。

Have You Sold Your Soul for a Weekend？
你是否已經為了週末出賣了靈魂？

The rat race can dull one＇s appreciation for life．DeMarco
競爭激烈的職場可能會磨耗一個人對生活的熱情。德馬科
describes an experiment showing how people may ignore beauty and artistry in everyday life，absorbed in their routines．
描述了一個實驗，展示人們如何在日常生活中忽視美麗與藝術，只專注於自己的固定作息

＂Thank God It＇s Friday＂：Born and Bred in the Slowlane
「感謝上帝是星期五」：生於慢車道，長於慢車道

Friday becomes a symbol of freedom，representing the fleeting reward for five days of work．This transactional view of time perpetuates a cycle of mediocrity．
星期五成為自由的象徵，代表著為期五天工作的短暫獎勵。這種對時間的交易性觀點，持續地複製了平庸的循環。

Negative 60\％：The Dismal Return of the Slowlane
負 60%：慢車道的慘澹回報

DeMarco tackles the concept of time as an investment， noting that trading five days of labor for a measly two days of freedom represents a negative return on life．The toll it takes can erode relationships and personal fulfillment．
德馬科探討時間作為一種投資的概念，指出用五天的勞動換取微不足道的兩天自由，實際上是對生命的負向報酬。這種代價可能會侵蝕人際關係和個人成就感

Normal Is Condemnation to Mediocrity
平凡就是墮入平庸的詛咒

The acceptance of the Slowlane as the standard path to wealth can lead to a stifling lifestyle devoid of passion and joy．The chapter concludes by making a case for re－evaluating this mindset for a fulfilling existence．
接受慢車道作為致富的標準途徑，可能會導致一種枯燥乏味、缺乏激情與喜悅的生活方式。本章最後呼籲重新審視這種思維模式，追求更有意義的人生。

Chapter Summary: Fastlane Distinctions
章節摘要：快速通道的區別

The Slowlane is a commonly accepted, yet flawed, path to wealth.
慢車道是一個被普遍接受，但存在缺陷的致富道路。
True wealth is best experienced when one is young and vibrant.
真正的財富最好在年輕且充滿活力的時候體驗。
Slowlane strategies are long and laborious, often resulting in mediocrity.
慢車道策略緩慢且辛勞，往往導致平庸。
Time in the Slowlane has an unchanging, negative return on investment.
慢車道中的時間投資報酬率是固定且負面的。
Breaking free from societal norms can lead to a richer and more fulfilling life.
突破社會常規可以通往更豐富且更圓滿的人生。

Example範例

Key Point:The inherent dangers of the Slowlane mindset
重點：慢車道心態的潛在危機

Example:Imagine you wake up each day looking forward to the weekend, counting down the hours until Friday arrives, because you’ve resigned yourself to a life defined by work and sacrifice. You deny yourself experiences and joys today, believing they must be postponed in a quest for a richer retirement. In that process, you might miss out on spontaneous adventures with friends, or neglect hobbies that bring you joy, all in exchange for a fragile promise of wealth. Eventually, you realize that you spent years living for two days of freedom, only to find yourself feeling unfulfilled and disillusioned. This cycle of mediocrity encapsulates the Slowlane that DeMarco critiques, urging you to seek fulfillment in the present rather than defer it indefinitely.
範例：想像每天醒來時，你只盼望著週末的到來，數著距離星期五還有多少小時，因為你已經默認了一種被工作和犧牲定義的生活。你剝奪了自己當下的體驗和快樂，相信必須為了更富裕的退休生活而將一切推遲。在這個過程中，你可能錯過與朋友的 spontaneous 冒險，或忽視那些帶給你喜悅的興趣，所有這些都是為了交換一個脆弱的財富承諾。最終，你會意識到自己花費了多年時間只為了兩天的自由，卻發現自己感到空虛和幻滅。這種平庸的循環正是 DeMarco 所批評的慢車道，他敦促你在當下尋找成就感，而非無限期地推遲。

Critical Thinking批判性思考

Key Point：Critique of the Slowlane as a Wealth Strategy
關鍵觀點：對慢速賺錢模式作為財富策略的批評

Critical Interpretation：DeMarco argues that the Slowlane strategy，characterized by years of frugality for future rewards，inherently risks leading to mediocrity and dissatisfaction．However，this assertion may overlook the value that many individuals place on stability and calculated long－term planning，which can foster peace of mind and security．Critics like behavioral economists have shown that the pursuit of immediate gratification can also lead to poor financial outcomes （Ariely，Dan．＂Predictably Irrational．＂）．Thus，while DeMarco＇s viewpoint presents a compelling challenge to conventional thinking about wealth，readers should consider that the balance of present enjoyment and future planning can differ significantly based on individual values and life experiences．
批判性解讀：狄馬科指出慢速賺錢策略，以多年節儉換取未來回報，本質上可能導致平庸和不滿。然而，這種主張可能忽略了許多人對穩定性和審慎長期規劃的重視，這種方式可以帶來內心平靜和安全感。像行為經濟學家這樣的批評者已經證明，追求即時滿足也可能導致糟糕的財務結果（艾瑞里，丹．《可預測的非理性》）。因此，儘管狄馬科的觀點對傳統財富思維提出了引人注目的挑戰，讀者應該考慮到目前享受與未來規劃之間的平衡，可能會根據個人價值觀和生活經驗有很大不同。

Chapter 11 Summary : The Criminal Trade Your Job
第 11 章總結：交出你的工作罪

Section章節	Summary摘要
Introduction引言	The author reflects on the unfulfilling nature of jobs and values independence over a stable salary. 作者省思工作的不滿足性，並重視獨立自主勝於穩定薪資。
Jobs: Human Domestication 工作：人類馴化	The author urges readers to abandon jobs to achieve financial freedom, emphasizing the importance of leverage and control. 作者敦促讀者放棄工作以實現財務自由，強調槓桿和控制的重要性。
Suckage #1糟糕點 #1	Trading time for money is counterproductive; seek income sources outside of traditional employment. 用時間換取金錢是事與願違；尋找傳統職業以外的收入來源。
Suckage #2糟糕點 #2	Specialized skillsets can limit growth; entrepreneurship offers greater learning than traditional jobs. 專業技能可能會限制成長；創業提供的學習機會遠超過傳統工作。
Suckage #3爛透了 #3	A job limits control over financial destiny; reliance on employment is precarious. 工作限制了對財務命運的控制；依賴就業是很不穩定的。
Suckage #4第四種爛招術	Office dynamics lead to inefficiencies; lack of control over the environment is a downside of employment. 辦公室的人際互動會導致效率低下；無法控制工作環境是受僱工作的一大缺點。
Suckage #5爛透了 #5	High taxes and limited income options prevent employees from paying themselves first, hindering wealth accumulation. 高額稅負和有限的收入管道阻礙了員工先支付自己，進而妨礙財富的累積。
Suckage #6第六種爛透了	Employees have little power to negotiate raises, leading to arbitrary pay structures that limit financial growth. 員工很難協商加薪，導致任意的薪資結構限制了財務成長。
Chapter Summary章節總結	Jobs trade freedom for money, limit wealth-building, and impose financial constraints. Real experience and control are vital for financial success. 工作以金錢交換自由，限制了財富累積，並加諸財務上的限制。真正的經驗和控制對財務成功至關重要。

Chapter 11: The Criminal Trade: Your Job
第 11 章：犯罪交易：你的工作

By working faithfully 8 hours a day, you may eventually get to be the boss and work 12 hours a day.
按部就班地工作 8 小時，最終可能會升職變成老闆，卻要工作 12 小時。

Robert Frost羅伯·弗羅斯特

I Spent Five Years in College . . . for a Phonebook?
我在大學花了五年時間 . . . 只為了一本電話簿？

The author reflects on a job workshop for an entry-level
作者回顧了一場入門職涯講習會
position at an insurance firm where new hires are given minimal resources（a desk，a phone，and a phonebook）to cold－call clients．He regrets spending years in college only to end up in an unfulfilling job that offers little more than a paycheck，valuing independence over the lure of a stable salary and benefits．
在一家保險公司擔任職位，新進員工只獲得最基本的資源（一張辦公桌、一支電話和一本電話簿）來進行冷呼叫客戶。他對在大學花費多年時間，最終卻落得只能從事一份除了薪水外幾乎一無是處的工作深感遺憾，他更重視獨立自主，而非穩定薪資和福利的誘惑。

Jobs：Human Domestication
賈伯斯：人類馴化

To achieve financial freedom，the author urges readers to abandon their jobs．He emphasizes that jobs limit both leverage and control，crucial elements for wealth accumulation．
為了達成財務自由，作者敦促讀者拋棄他們的工作。他強調工作限制了槓桿效應和控制力，這些都是財富累積的關鍵要素。

Suckage \＃1：To Trade Time Is to Trade Life
第一種爛透了：用時間交易就是用生命交易

Trading time for money is a flawed system．In essence， working for a paycheck is exchanging your life for money， which is counterproductive．The author suggests finding ways to earn income without being tethered to a job．
用時間換取金錢是一個有缺陷的系統。本質上，為了薪水工作就是用生命換取金錢，這是事與願違的。作者建議尋找不必依附於工作也能賺取收入的方法。

Suckage \＃2：Limitation on Experience
醜陋之處 #2：經驗的侷限性

The author learned more in two months as an entrepreneur
作者作為一位創業家，僅僅兩個月所學到的
than in ten years of varied jobs．Specialized skillsets can limit practical value，leading to obsolescence．Continuous work in a job restricts knowledge acquisition，making it difficult to gain valuable life experiences．
卻勝過十年不同工作中所獲得的。專業技能組合可能會限制實際價值，導致過時。持續在同一份工作中會限制知識的累積，使得獲得有價值的生活經驗變得困難

Suckage \＃3：No Control慘敗 \＃3：毫無控制權

A job entails a lack of control over one＇s financial destiny． Reliance on employment for security is a gamble，as demonstrated by the financial impacts of the COVID pandemic．
一份工作意味著無法掌控自身的財務命運。仰賴就業來獲得安全感是一種賭博，正如新冠疫情對財務的衝擊所示。

Suckage \＃4：Linda＇s Bad Breath
慘敗 \＃4：琳達的口臭

Office politics and interpersonal dynamics are a constant in corporate environments．Without control over the work setting，employees are vulnerable to office dramas and inefficiencies．
辦公室政治和人際互動是企業環境中的常態。在無法控制工作環境的情況下，員工容易遭受辦公室紛爭和低效率的困擾

Suckage \＃5：A Subscription to＂Pay Yourself Last＂
慘敗 \＃5：訂閱「最後付款」模式

Due to high taxes and limited options for income protection， employees are often unable to＂pay themselves first．＂This undermines their ability to build wealth rapidly．
由於高稅負和有限的收入保護選項，員工通常無法「先付給自己」。這削弱了他們快速累積財富的能力。

Suckage #6: A Dictatorship on Income
慘敗 #6：收入獨裁

In a job, employees cannot freely demand raises that reflect their value, making them vulnerable to arbitrary pay structures. The job system imposes limits on wealth, freedom, and personal growth.
在工作中，員工無法自由地要求反映自身價值的加薪，使他們容易遭受任意的薪資結構。工作體系對財富、自由和個人成長設下了限制。

Chapter Summary: Fastlane Distinctions
章節摘要：快速通道的區別

In a job, you trade your freedom (time) for money.
在一份工作中，你用自由（時間）換取金錢。
Real experience comes from action, not job title.
真正的經驗來自於行動，而不是職稱。
Wealth accumulation is hindered without control over income sources.
若無法掌控收入來源，財富累積將受到阻礙。
Jobs limit wealth-building potential and impose poor financial frameworks.
工作會限制財富累積的潛力，並強加一套糟糕的財務框架。
Employees are automatically placed on a “pay yourself last” plan.
員工自動被置於「最後支付自己」的計畫中。

Critical Thinking批判性思考

Key Point：The perpetual cycle of trading time for money
重點：永無止境地用時間交換金錢的循環

Critical Interpretation：DeMarco＇s assertion that traditional jobs trap individuals in a ＇paycheck－to－paycheck＇mentality prompts readers to critically evaluate the validity of this perspective．While the critique of jobs as stifling personal freedom and financial growth is compelling，one must consider the benefits that stable employment can offer，such as health insurance，retirement plans，and a predictable income． Sources like David Autor＇s research on labor markets suggest that jobs，despite their limitations，can provide essential skills and experiences that contribute to long－term career success，which may not align with DeMarco＇s more radical entrepreneurial advocacy．
關鍵詮釋：德馬科對於傳統工作陷阱人們於「月光族」心態的斷言，促使讀者批判性地評估這個觀點的有效性。雖然他對工作窒礙個人自由和財務成長的批評頗具說服力，但必須考慮穩定就業可以提供的好處，如健康保險、退休金計畫和可預測的收入。像大衛·奧托爾等勞動力市場研究者的資料表明，儘管工作有其局限性，但仍可提供對長期職涯成功至關重要的技能和經驗，這可能與德馬科更為激進的創業倡議並不完全一致。

Chapter 12 Summary ：The Slowlane： Why You Aren＇t Rich
第 12 章總結：慢車道：為什麼你不會致富

The Slowlane：Why You Aren＇t Rich
慢車道：為什麼你不會致富

Exposing Slowlane Ineptitude
拆穿慢車道的無能

The Slowlane strategy，based on Uncontrollable Limited Leverage（ULL），is a futile approach to wealth．It relies on traditional routes like steady jobs，saving，and investing in the stock market over decades，but lacks the necessary control and leverage for significant wealth accumulation．
慢車道策略，基於不可控制有限槓桿（ULL），是一種徒勞的致富方法。它依賴於傳統路徑，如穩定工作、儲蓄和長期投資股市，但缺乏累積巨大財富所需的控制力和槓桿。

Uncontrollable Limited Leverage（ULL）－Part 1
不可控的有限槓桿（ULL）— 第一部分

To build wealth，one requires control and leverage，two essential components that the Slowlane lacks．Its wealth equation consists of a primary income source（a job）and a wealth accelerator（market investments）．
要建立財富，需要控制力和槓桿，這是慢車道所缺乏的兩個關鍵要素。其財富方程式由主要收入來源（工作）和財富加速器（市場投資）組成。

The Warden of Wealth：Intrinsic Value
財富的守護者：內在價值

Wealth is earned through intrinsic value，which is the price a person can trade their time for．Time is a limitation；it cannot be controlled or leveraged，boxing individuals into a scenario where wealth potential remains small and inadequate．
財富是透過內在價值所賺取，這是一個人可以用時間交易的價格。時間是一種限制；它無法被控制或槓桿化，將個人侷限在一個財富潛力小且不足的情境中。

Compound Interest：What＂They＂Don＇t Tell You
複利：他們不會告訴你的事

Compound interest is presented as a path to wealth，but it， too，is limited by the constraints of time，requiring long periods for wealth accumulation．The unrealistic promises surrounding investments often ignore the harsher realities of market conditions and inflation，leading to false expectations．
複利被提出作為致富的道路，但它同樣受到時間的限制，需要長期 accumulation 才能累積財富。環繞投資的不切實際承諾，往往忽略了市場條件和通膨的殘酷現實，導致錯誤的期望。

Uncontrollable Limited Leverage（ULL）－Part 2
不可控的有限槓桿（ULL）— 第二部分

For compound interest to truly work in favor of creating wealth．certain conditions must be met：amble time．
要讓複利真正有助於創造財富，必須滿足某些條件：充裕的時間

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Today’s Bookey今日書評

You你
is first for me. How the makes me feel, it’s like r. It has to match my life.

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happening around me . That’s where it comes from.
對我來說，這是最重要的。它帶給我的感受，就像是某種感動。它必須與我的生活相契合。

s

發生在我周遭的事情。這就是它的由來。
-Boots Rijiey -布茨·里傑

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ATOMIC HABITS原子習慣

Atomic Habits Four steps to build good habits and break bad ones James Cloar
原子習慣：建立好習慣及打破壞習慣的四個步驟詹姆斯·克利爾

36 \min 3

key insights Finished I 3 key insights Finished sour

36 \min 3

關鍵見解已完成 3 個關鍵見解已完成

Description描述
Why do so many of us fail to lose weight? Why can’t we go to bed early and wake up early? Is it because of a lack of determination? Not at all. The thing is, We are doing it the wrong way More specifically it’s because we haven’t built an effective behavioral
為什麼我們中的許多人無法成功減重？為什麼無法早睡早起？這是因為缺乏決心嗎？完全不是。問題在於，我們做事的方法錯了。更具體地說，是因為我們尚未建立有效的行為模式

1,1
国 Read國家閱讀
17:25

T = e

Library圖書館
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Notes筆記
Quotes引言
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History歷史
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h. After five hours of flying, before
h. 在飛行五小時後，在

Chapter 1 of 5第 1 章（共 5 章）
Overview概述
Hi, welcome to Bookey. Today we’ll unlock the book Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones.
嗨，歡迎來到 Bookey。今天我們將解析《原子習慣：培養好習慣、戒除壞習慣的簡單可行方法》這本書。

Imagine you’re sitting in a plane, flying from Los Angeles to New York City. Due to a mysterious and undetectable turbulence, your aircraft’s nose shifts e is landing. you know it, the plane is landing.
想像你正坐在一架從洛杉磯飛往紐約市的飛機上。由於一陣神祕且難以察覺的亂流，飛機機頭輕微偏移。在你察覺之前，飛機已經在降落。

Noto Sans

◻

Cormorant Garas entrepreneurship. After two successfully raised

$ 850 m

高加拉斯海鷗的創業。成功募資兩次之後

$ 850 m

It Takes >需要付出 >
it lakens 它需要

Never G絕不
Schwarzman’s relentless e funds for Blackstone’s first overcoming numerous feje the importance of persister
史懷哲曼不屈不撓地籌集黑石集團首支基金，克服諸多困難，凸顯了堅持的重要性
17:46
Ongoing 持續進行中

1/7 Boakning Paths1/7 銀行業務路徑
Develop leadership skills
培養領導技能
Unioction Landarionsotential
統一操作的潛在可能性

1/7 Bookeys1/7 書摘
Master time ma. 掌握時間。
Master 掌握

Chapter 13 Summary ：The Futile Fight： Education
第 13 章總結：徒勞的抗爭：教育

The Futile Fight：Education
徒勞的抗爭：教育

The Fight Against Uncontrollable Limited
對抗無法控制的限制Leverage：Education槓桿效應：教育

The Slowlaner＇s instinct is to combat Uncontrollable Limited Leverage（ULL）by focusing on education to increase their intrinsic value．They pursue higher degrees like MBAs， believing this will lead to higher salaries．However，this often results in merely trading time for money without achieving real leverage or control．
低速道人的本能是透過專注於教育來提高自身內在價值，以對抗無法控制的有限槓桿（ULL）。他們追求像是 MBA 這樣的高等學位，相信這將帶來更高的薪資。然而，這往往只是單純地用時間換取金錢，卻未能達到真正的槓桿效應或控制力。

Not All Education Is Virtuous
並非所有教育都具有價值

Formal education can be prohibitively expensive and may not lead to significant financial improvement．High student debt can trap individuals in jobs，leading to a long－term struggle despite seemingly valuable degrees．Many
正規教育可能成本高昂，且未必能帶來顯著的財務改善。高額的學生貸款可能會使個人陷入工作困境，導致長期掙扎，儘管獲得看似高價值的學位。許多
successful individuals did not require a formal education to achieve wealth，challenging the notion that expensive degrees are necessary for success．
成功的個人並不需要正規教育就能獲得財富，這挑戰了昂貴學位對成功至關重要的觀念

Slowlane Entrapment慢速道的陷阱

Investing in a costly college education can lead to conformity and reduced opportunities．Specialized skills learned in college may restrict career options and create＂Education Servitude，＂binding individuals to unfulfilling jobs due to debt obligations．Rising education costs have led to significant debt burdens among young adults，often resulting in a disconnection between expected versus actual earnings． This situation perpetuates a cycle of debt and job dependency that undermines true freedom．
投資高成本的大學教育可能導致同質化並減少機會。在大學學習的專業技能可能限縮職涯選擇，並形成「教育奴役」，使個人因債務負擔而被迫從事不稱心的工作。不斷攀升的教育成本已為年輕人帶來龐大的債務壓力，往往造成預期收入與實際收入之間的斷裂。這種情況持續製造出債務與工作依賴的惡性循環，最終破壞了真正的自由。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－Slowlaners manipulate intrinsic value through education．
－慢道者透過教育來操縱內在價值。
－Indentured time refers to time spent earning a living，in contrast to free time．
－受縛時間指的是用於謀生的時間，與自由時間相對。
－Parasitic debt creates indentured time，forcing individuals to work to pay off their obligations．
－寄生性債務製造出受縛時間，迫使個人為償還債務而工作

Chapter 14 Summary ：The Hypocrisy of the Gurus
第十四章總結：大師們的虛偽

The Hypocrisy of the Gurus
大師們的虛偽

＊Tricks and treachery are the practice of fools，that don＇t have brains enough to be honest．＊
「愚蠢的人用詭計和欺騙作為手段，因為他們缺乏誠實的智慧。」
～Benjamin Franklin～班傑明‧富蘭克林

You＇ve Been Duped你被騙了

Imagine attending a class on fitness taught by an obese instructor．This shocking irony mirrors what happens when financial gurus dispense advice they don＇t practice．It＇s time to seek a refund for your trust in such figures．
想像一下，由一位肥胖的教練教授健身課程。這種令人震驚的矛盾，正如同財務大師們提供他們自己不實踐的建議一樣。是時候收回對這些人的信任了

The Paradox of Practice
實踐的矛盾

This paradox questions whether gurus truly embody the teachings they promote．Would you trust advice from someone who doesn＇t exemplify success in that area？Many argue that it＇s acceptable to preach without practicing，but
這個矛盾質疑專家是否真正體現他們所宣揚的理論。你會相信一個在該領域未能彰顯成功的人給出的建議嗎？許多人認為在沒有實踐的情況下傳道是可以接受的，但是
true expertise comes from lived experience．
真正的專業知識源自於親身經歷。

Do as I Say，Not as I Do
聽我說，別學我做

Gurus often endorse strategies（the Slowlane）that don＇t align with how they attained their wealth（the Fastlane）．They may promote one approach while personally leveraging another， leaving followers vulnerable to poor financial choices．
專家們經常背書一些策略（慢車道），而這些策略與他們實際致富的方式（快車道）並不一致。他們可能在宣傳一種方法，同時私下卻採用另一種方法，這使得追隨者面臨糟糕的財務選擇。

Is a Paradox of Practice in Play？
是否存在著實踐的矛盾？

In the financial realm，consider the real wealth methods of gurus．Many enrich themselves through non－transparent routes，selling you a strategy they themselves don＇t employ． They thrive on your blind faith in their flawed advice．
在金融領域中，可以看看那些財富大師的真實致富方法。許多人透過不透明的管道致富，賣給你一套他們自己都不會採用的策略。他們靠的就是你對他們有缺陷建議的盲目信任。

Slowlane Gurus Admit Failure
慢車道專家承認失敗

Slowlane gurus provide half－hearted advice when faced with economic downturns，urging adherence to plans that have failed their followers．Their wealth relies on your belief in their ineffective strategies，even in the wake of substantial failures．
慢車道的專家在面對經濟低迷時，總是提供敷衍了事的建議，催促追隨者堅持那些早已對追隨者失效的計畫。他們的財富仰賴你對他們無效策略的相信，即便在重大失敗的背景下也是如此。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

It＇s crucial to learn from those with a proven track record who have achieved success through their teachings．Beware of the Paradox of Practice prevalent among many financial gurus；they may teach one wealth equation while thriving in another．
學習那些透過自身教導而真正成功的人是至關重要的。要小心那些財務專家中普遍存在的實踐悖論；他們可能在教授一套財富方程式，但卻在另一套方程式中獲得成功。

Critical Thinking批判性思考

Key Point：The importance of genuine experience in financial advice．
關鍵點：財務建議中真實經驗的重要性

Critical Interpretation：The key point emphasizes the necessity of seeking financial guidance from those who have genuinely succeeded in the principles they preach， pointing out the irony in trusting gurus who do not practice what they preach．This highlights a crucial issue of credibility and authenticity，as those who lack real success may mislead their followers，exemplifying a broader caution against blinded faith in the established narratives of wealth creation．Many successful entrepreneurs stress the value of practical experience over theoretical knowledge（for example，Tim Ferriss in ＂The 4－Hour Workweek＂）and urge potential learners to critically assess the authority of their guides．
關鍵解讀：重點在於強調必須向真正實踐並成功的人尋求財務指導，指出盲目相信不遵循自身教導的專家的諷刺性。這突顯了可信度和真實性的關鍵議題，因為缺乏真正成功的人可能會誤導追隨者，這是對財富創造既定敘事盲目信任的更廣泛警示。許多成功的企業家強調實踐經驗勝於理論知識（例如，提姆·費里斯在《每週工作 4 小時》中），並敦促潛在學習者批判性地評估其指導者的權威性。

Chapter 15 Summary ：Slowlane Victory．．．A Gamrle of Hope
第 15 章總結：慢車道勝利……一場充滿希望的賭局

Chapter 15：Slowlane Victory．．．A Gamble of Hope
第 15 章：慢車道勝利……一場充滿希望的賭局

＊＂I＇d rather live in regret of failure than in regret of never trying．＂－MJ DeMarco＊
＊「我寧願因嘗試而後悔，也不願因從未嘗試而遺憾。」–MJ DeMarco＊

Exodus：Life in the Slowlane
逃脫：慢車道人生

The Slowlane journey mirrors the biblical Exodus，promising a better life after years of hardship．However，like Moses， many never see the rewards despite decades of effort．The Slowlane approach，built on trust in external systems like Wall Street or jobs，offers no guarantees and risks the most valuable asset－time．Life＇s unpredictability makes this a perilous path．
慢車道的旅程猶如聖經中的出埃及記，承諾在多年艱辛後能換得更好的人生。然而，就像摩西一樣，許多人儘管努力數十年，最終仍無法看見獎賞。這種建立在對華爾街或工作等外部系統信任的慢車道方法，不提供任何保證，並且冒著最寶貴資產——時間的風險。人生的無常使這條道路變得極其危險。

Seven Slowlane Dangers慢車道的七大危機

People are led into the Slowlane by continuous advice from various sources，believing it to be safe．However，it operates
人們被來自各方的持續建議引導進入慢車道，相信這是安全的。然而，它主要是建立在
largely on hope and these risks reveal its flaws：
希望之上，而這些風險揭示了其缺陷：
1.

The Danger of Your Health
健康的危機

：The Slowlane relies on the hope that you＇ll remain healthy enough to enjoy savings when you retire．
慢車道依賴著你能夠在退休時仍保持足夠健康來享受積蓄的僥倖想法。
2.

The Danger of the Job
工作的危機

：There is an assumption that job stability will endure， ignoring the potential for layoffs and market fluctuations．
存在著工作穩定性將會持續的假設，忽視了可能發生的裁員和市場波動
3.

The Danger of Your Home
家的危機

：Home equity is often viewed as a reliable wealth source，but its value can plummet unexpectedly．
：房屋淨值常被視為可靠的財富來源，但其價值可能會出乎意料地暴跌。
4.

The Danger of the Company
公司的危機

：Trusting a single company for job security or retirement can lead to significant loss when that company falters．
：對單一公司的工作保障或退休計畫過度信賴，可能在公司陷入困境時造成重大損失

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Try Bookey App to read 1000＋ summary of world best books
試用 Bookey 應用程式，閱讀 1000 多本世界最佳書籍的摘要

Unlock 1000＋Titles，80＋Topics
解鎖 1000 多個書名，80 多個主題

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每週新增書籍

Insights of world best books
世界最佳書籍的見解

THINKING， FAST AND SLOW思考，快與慢
How we make decisions
我們如何做決定

HOW TO TALK TO ANYONE Unlocking the Secrets of Effective Communication
如何與任何人暢談：解鎖有效溝通的祕密

Chapter 16 Summary ：Wealth＇s Shortcut：The Fastlane
第 16 章總結：財富的捷徑：快速道路

Section章節	Key Points關鍵要點
Wealth＇s Shortcut：The Fastlane 財富的捷徑：快速道路	Fastlane offers a quick wealth－building alternative to Sidewalk and Slowlane paths．快速道路提供一個快速累積財富的替代方案，不同於人行道和緩慢路徑。
What About Door \＃3？第三道門是什麼？	Fastlane allows rapid wealth creation through a business－centric approach，compared to indulgent lifestyles（Sidewalk）and current freedom for future security（Slowlane）．快速道路讓你透過以商業為中心的方法，能夠快速創造財富，相較於放縱的生活型態（人行道）和為未來安全而犧牲當下自由（緩慢路徑）
What is the Fastlane？什麼是快速車道？	Focuses on Controllable Unlimited Leverage，owning a business，and investing effort for future returns．聚焦於可控的無限槓桿、擁有事業，並為未來的回報投入努力。
The Fastlane Mindposts快速道路心態精華	1．Debt as a growth tool2．Time as a precious asset3．Continuous learning4．Wealth from value creation5．Income through business systems6．Goal：lifetime passive income 1. 債務作為成長工具 2. 時間是寶貴資產 3. 持續學習 4. 從創造價值中獲得財富 5. 透過商業系統創造收入 6. 目標：終身被動收入
The Fastlane Roadmap： Predisposed to Wealth 快速車道路線圖：預設財富	Wealth generation through strategic leverage，altering traditional timelines．透過策略性槓桿產生財富，改變傳統時程
The Shadow Behind＂Get Rich Quick＂「快速致富」背後的陰影	Distinguishes legitimate Fastlane success from scams；success requires genuine effort．區分真正的快速致富途徑與詐騙；成功需要真正的努力。
Tales from the Fastlane 快車道故事	Real－life examples of entrepreneurs achieving rapid success through strategic thinking．真實世界的企業家透過策略性思考快速成功的案例。
The Fastlane：Wealth＇s Industrial Revolution 快車道：財富的產業革命	Revolutionizes wealth creation by establishing systems that automate income generation．透過建立能自動產生收入的系統，徹底改變財富創造的方式。
The Parable of Fastlane Wealth 快速致富之道的寓言	Demonstrates success through system leveraging versus manual effort in wealth building．展示透過系統槓桿而非人工努力來達成財富累積的成功
The Fastlane Is a Business System：The Slowlane Is a Job 捷徑是一套商業系統：慢車道就是一份工作	The Fastlane focuses on creating efficient systems；Slowlane equates to lifetime jobs reliant on personal effort．快車道專注於打造高效系統；慢車道等同於終身工作且仰賴個人努力。
Chapter Summary：Fastlane Distinctions 章節摘要：快車道的差異	The Fastlane offers higher potential rewards compared to Slowlane，leveraging unlimited control for rapid wealth accumulation．快車道提供比慢車道更高的潛在獎勵，透過無限控制來快速累積財富。

Wealth＇s Shortcut：The Fastlane
財富的捷徑：快車道

What About Door \＃3？
第三道門是什麼？

The Fastlane offers an alternative to Sidewalk and Slowlane financial paths，allowing individuals to build wealth quickly． While the Sidewalk represents indulgent lifestyles without a plan，and the Slowlane bets current freedom for future security，the Fastlane allows for rapid wealth creation through a business－centric approach．The metaphor of choosing a raffle illustrates the comparative odds and rewards of these paths．
快車道提供了一個不同於人行道和慢車道的財務途徑，讓個人能夠快速建立財富。人行道代表著無計畫的放縱生活方式，慢車道則是用當下的自由換取未來的安全，而快車道則透過以商業為中心的方式，實現快速的財富創造。選擇抽獎的比喻，很好地說明了這些途徑的不同機率和獎勵

What is the Fastlane？
什麼是快速車道？

The Fastlane encompasses a strategy that prioritizes Controllable Unlimited Leverage（CUL）and emphasizes owning a business，maintaining a distinctive lifestyle，and creating wealth beyond traditional constraints．It involves investing time and effort initially to yield significant returns later．
快速車道是一種策略，著重於可控無限槓桿（CUL），並強調經營企業、維持獨特的生活方式，以及突破傳統限制創造財富。它涉及最初投入時間和精力，以換取後續的豐碩回報。

The Fastlane Mindposts快速道路心態精華

A set of beliefs and perceptions characterize the Fastlane mindset：
快速車道心態由一系列信念和觀點所構成：
－Debt is seen as a tool for growth．
─負債被視為成長的工具。
－Time is the most precious asset．
─時間是最寶貴的資產
－Continuous learning is essential．
持續學習是不可或缺的。
－Wealth reflects the value created for others．
財富反映為他人創造的價值。
－Efforts focus on building income through business systems．
努力專注於透過商業系統建立收入。
－The ultimate goal is lifetime passive income through investments or business．
最終目標是透過投資或事業創造終身被動收入

The Fastlane Roadmap：Predisposed to Wealth
快車道路線圖：預設通往財富之路

The Fastlane offers a roadmap free from time constraints， enabling wealth generation through strategic leverage and business systems．This radically alters traditional wealth－building timelines．
快車道提供一個不受時間限制的路徑，透過策略性槓桿與商業系統來創造財富。這徹底改變了傳統財富累積的時間表。

The Shadow Behind＂Get Rich Quick＂
「快速致富」背後的陰影

The term＂Get Rich Quick＂often carries negative connotations tied to scams，but it distinguishes legitimate Fastlane success stories from＂Get Rich Easy＂schemes．
「快速致富」這個詞常常帶有與詐騙相關的負面印象，但它將正當的快速致富成功案例與「輕鬆致富」的計畫區分開來。

Many success stories reflect genuine effort and strategic actions preceding wealth accumulation．
許多成功的故事反映了累積財富前的真誠努力和策略性行動。

Tales from the Fastlane
快車道故事

Numerous real－life examples illustrate Fastlane successes， showcasing entrepreneurs who have very quickly transformed ideas into profitable businesses．These cases highlight how strategic thinking leads to substantial wealth．
眾多真實案例展示了快車道的成功，呈現出那些將想法迅速轉化為獲利事業的創業家。這些案例凸顯了策略性思考如何帶來可觀的財富。

The Fastlane：Wealth＇s Industrial Revolution
快車道：財富的產業革命

Similar to the Industrial Revolution＇s transformation of manufacturing，the Fastlane revolutionizes wealth creation by establishing systems that automate income generation， reducing reliance on manual labor．
就像工業革命改變了製造業，快速致富之道徹底顛覆了財富創造方式，藉由建立能自動產生收入的系統，降低對人力勞動的依賴。

The Parable of Fastlane Wealth
快速致富之道的寓言

A story of two nephews commissioned to build pyramids illustrates the Fastlane principle：one succeeded by leveraging a system to expedite progress，while the other， through sheer manual effort，ultimately fails．This emphasizes the importance of strategic systems in wealth
兩位姪子被派去建造金字塔的故事，闡明了快速致富之道的原則：一位成功是因為利用系統加速進程，而另一位僅憑純粹的人力勞動最終失敗。這突顯了在財富
building．建立。

The Fastlane Is a Business System：The Slowlane Is a Job
捷徑是一套商業系統：慢車道就是一份工作

The Slowlane is equated to a lifetime job focused on personal effort，while the Fastlane emphasizes creating efficient systems that generate wealth autonomously．The latter represents a proactive and innovative approach to financial success．
慢車道等同於一生致力於個人勞動的工作，而捷徑則強調創造能自主生成財富的高效系統。後者代表了一種積極且創新的財務成功途徑。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

While the risk profile of the Fastlane and Slowlane may be similar，the potential rewards of the Fastlane are significantly greater．The Fastlane Roadmap leverages unlimited control， opening pathways for rapid wealth accumulation， distinguishing it from slower，traditional methods．
儘管捷徑和慢車道的風險特徵可能相似，但捷徑的潛在回報卻大幅更高。捷徑藍圖善用無限控制權，開闢快速累積財富的道路，區別於較為緩慢的傳統方法

Example範例

Key Point：The Fastlane empowers you to create wealth rapidly through strategic business systems．
關鍵觀點：快速致富路線賦予你透過策略性商業系統快速創造財富。

Example：Imagine you＇re tired of living paycheck to paycheck，always worried about your finances．One day， you decide to leverage your passion for fitness by launching an online coaching program．Instead of trading hours for dollars at a local gym，you create a scalable business model that reaches clients worldwide． As your program gains traction，you＇re not just earning income；you＇re building a system that generates revenues while you sleep．This shift from mere employment to entrepreneurship allows you to embrace true wealth，accelerating your path toward financial freedom and opening up opportunities for passive income．
範例：想像你厭倦了每月薪水入不敷出，總是為財務問題感到焦慮。某天，你決定善用對健身的熱情，推出線上教練課程。與其在當地健身房以工時換取薪水，你建立了一個可擴展的商業模式，觸及全球客戶。隨著課程漸漸受到歡迎，你不僅是在賺錢，更是打造了一個能在你睡覺時仍能產生收入的系統。從單純的僱員轉變為創業者，讓你能夠擁抱真正的財富，加速邁向財務自由，並開啟被動收入的機會。

Chapter 17 Summary ：Switch Teams and Playrooks
第 17 章總結：轉換陣營與打法

Switch Teams and Playbooks
轉換陣營與打法

＊＂A man wrapped up in himself makes a very small bundle．＂＊－Benjamin Franklin
＊「一個只顧自己的人，將會是個很小的包袱。」＊ - 班傑明·富蘭克林

The Fastlane Roadmap：The Playbook for Wealth
快速致富路線圖：財富的攻略

Losing teams adhere to losing playbooks．To succeed financially，switch to a winning team，utilizing a Fastlane roadmap founded on unlimited and controllable mathematics． Break away from conventional ideologies and embrace a new mindset．
失敗的團隊會遵循失敗的戰術手冊。要在財務上成功，就要轉換陣營，運用一套建立在無限且可控制數學原理的快速致富路線。擺脫傳統思維，擁抱嶄新的思考模式。

Switching Teams and the Playbook
轉換陣營與戰術手冊

From birth，individuals are conditioned to be consumers， focusing on wanting and buying products．Jobs within the consumer landscape serve to facilitate the consumer process， drawing one further from Fastlane thinking．This
從出生開始，人們就被 conditioning 成消費者，專注於想要和購買產品。在消費型景觀中的工作，是為了促進消費過程，使人們遠離快速致富思維。
consumer－centric mindset positions individuals on the wrong team．
這種以消費為中心的心態，將個人定位在錯誤的陣營中。

Cracking the Code破解密碼

Embrace the producer mindset by shifting focus from consumption to production．Join Team Producer，reframing your thinking to prioritize producing over consuming．By doing so，opportunities become clearer，and the appeal of wealth becomes more evident．
藉由將焦點從消費轉移到生產，擁抱生產者心態。加入生產者團隊，重新框定你的思維，優先考慮生產而非消費。這樣做，機會就會變得更清晰，財富的吸引力也會更加明顯

Producer Reorientation生產者視角重新定位

Analyze advertisements and marketing from a producer＇s lens．Understand how companies generate profit and the tactics they employ．Viewing the marketplace as a producer allows for an attraction to wealth，as consumers inherently seek out producers．
分析廣告和行銷，透過生產者的鏡頭來看。了解公司如何創造利潤以及他們所採用的策略。以生產者的角度看待市場，將能吸引財富，因為消費者本質上尋求生產者。

To Consume Richly，Produce Effectively
要奢華地消費，先要有效地生產

The irony is that successful producers can consume freely，as wealth allows for rich consumption．Shift your focus to produce first and consume second，positioning yourself to
吊詭的是，成功的生產者可以自由地消費，因為財富讓消費變得豐富。將焦點轉移到先生產後消費，為自己定位
achieve financial success．
達成財務成功。

Be a Producer：Leverage the Business of a System
成為生產者：運用商業系統的槓桿效益

Transitioning to a producer requires embracing entrepreneurship and innovation．Unlike the Slowlane，where jobs dominate，the Fastlane is characterized by business creation and providing value．A Fastlane business unlocks leverage，maximizing wealth potential through controllable variables．
轉向生產者需要擁抱創業精神與創新。不同於以工作為主的慢車道，快車道的特徵是創造企業並提供價值。快車道企業解開槓桿效益，透過可控變數最大化財富潛能。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－Producers are central to the Fastlane roadmap．
─生產者是快速致富之路的核心。
－Producers，like the wealthy，form a minority；consumers， akin to the poor，are the majority．
─生產者和富人一樣，都是少數；消費者就像窮人，則是大多數。
－Success as a producer permits unrestricted consumption．
─作為生產者的成功，可以讓消費不受限制。
－Fastlaners embody the roles of producers，entrepreneurs， and visionaries．
─快速致富者扮演生產者、企業家和遠見者的角色
－Not all businesses equate to a Fastlane；some may simply be disguised jobs．
並非所有事業都等同於快速致富之路；有些可能只是偽裝成工作的事業。
－The Fastlane wealth equation transcends time，presenting unlimited and controllable variables．
快速致富的財富方程式超越時間，呈現無限且可控的變數。

Chapter 18 Summary : How the Rich Really Get Rich
第 18 章總結：富人真正致富的方法

Section章節	Summary摘要
Chapter Title章節標題	How the Rich Really Get Rich 富人真正致富的方法
The Burning Question燃燒的問題	Affluent individuals are often asked how they got rich; misconceptions include fame, inheritance, or luck, but true wealth is earned through the Fastlane Wealth Equation. 富有的人常常被問及他們是如何致富的；人們可能誤以為是靠名氣、繼承或運氣，但真正的財富是透過快速致富方程式賺來的。
The Fastlane Wealth Equation 快車道財富方程式	Wealth is defined as Wealth = Net Profit + Asset Value, emphasizing controllable factors for fast wealth accumulation compared to limited Slowlane income. 財富被定義為財富 = 淨利 + 資產價值，強調可控制的因素能快速累積財富，而不是侷限於緩慢致富模式的收入。
Wealth Variables財富變數	Net Profit is calculated as Units Sold × Unit Profit, and Asset Value is Net Profit × Industry Multiple, highlighting the unlimited potential of the Fastlane. 淨利潤的計算方式為銷售數量乘以單位利潤，而資產價值則是淨利潤乘以產業倍數，凸顯出快速通道的無限潛能。
Control and Unlimited Variables 控制與無限變數	Control over sales conversions and traffic can lead to significant income growth, in contrast to traditional job limitations. 對銷售轉換率和流量的控制可以帶來顯著的收入成長，這與傳統工作的侷限性形成鮮明對比。
Millionaires Create and Manipulate Assets 百萬富翁創造與操控資產	Wealthy individuals typically accumulate wealth through asset growth rather than slow savings, focusing on appreciating assets rather than depreciating ones. 富有的人士通常透過資產增值而非緩慢儲蓄來累積財富，著重於增值資產而非貶值資產。
Wealth Acceleration through Asset Value 財富加速的資產價值	Successful entrepreneurs use marketable assets to accelerate wealth and aim to replicate net profit increase and asset value growth. 成功的企業家利用可交易的資產來加速財富，並致力於複製淨利潤增長和資產價值成長。
The Wealth Acceleration Factor (WAF) 財富加速因子（WAF）	Fastlaners achieve a higher WAF than Slowlaners, leveraging industry multipliers for greater financial returns. 快車道創業者透過運用產業乘數效應，達到比慢車道更高的財富累積率。
Wealth's Dual-Flanked Attack 財富的雙翼攻擊策略	Chasing net profit increases both net worth and asset value, creating a cycle of wealth creation through effective manipulation of both variables. 追求淨利潤不僅能提高淨資產，同時也能增加資產價值，藉由有效操縱這兩個變數，創造出財富累積的循環。
Super-Fast Wealth Acceleration: Liquidation Events 超高速財富加速：資金變現事件	Liquidation events convert appreciated assets into cash, highlighting the importance of timely exits and strategic decision-making for financial gains. 清算事件將增值資產轉換為現金，凸顯了及時退出和策略性決策對財務收益的重要性。
Chapter Summary章節總結	The Fastlane approach focuses on quick wealth creation through controllable variables, emphasizing the transformation of profit into cash flow as key to financial independence. 快速致富策略著重於透過可控變數快速創造財富，強調將利潤轉化為現金流是邁向財務獨立的關鍵。

Chapter 18: How the Rich Really Get Rich
第 18 章：富人真正致富的方式

The Burning Question: "How Did You Get Rich?"
灼手可熱的問題：「你是怎麼變得這麼有錢的？」

When affluent individuals are approached，the underlying query is often about their path to wealth．Common misconceptions suggest that wealth is mainly attained through fame，inheritance，or luck．However，true wealth comes from understanding and applying the Fastlane Wealth Equation．
當有錢人被詢問時，潛在的問題往往是他們致富的途徑。常見的誤解認為財富主要是通過名氣、繼承或運氣獲得。然而，真正的財富來自於理解和運用快車道財富方程式。

The Fastlane Wealth Equation
快車道財富方程式

Wealth is built through the formula：
財富是透過以下公式建立的：
Wealth＝Net Profit＋Asset Value
財富 = 淨利潤 + 資產價值
The variables（units sold and unit profit）are controllable and can lead to fast wealth accumulation，contrasting with the Slowlane mentality of limited income potential．
這些變數（銷售量和單位利潤）是可控的，並且能快速累積財富，與收入潛力有限的慢車道心態形成對比。

Wealth Variables財富變數

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Was evident. Throughout history Britain ispower to only country that mobilized state
是顯而易見的。縱觀歷史，英國是唯一動員國家力量的國家

Why Bookey is must have App for Book Lovers
為什麼書友是愛書人必備的 App

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The deeper and clearer interpretation we provide, the better grasp of each title you have.
我們提供越深入、越清晰的解讀，您對每本書的理解就越透徹。

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文字與音訊格式

Absorb knowledge even in fragmented time.
即使在零碎時間也能吸收知識。

ニン $\overset{ˇ}{x}$ 你好

Quiz測驗

Check whether you have mastered what you just learned.
確認你是否已掌握剛剛學過的內容。

$Δ O$ OD

And more而且更多

Multiple Voices & fonts, Mind Map, Quotes, IdeaClips…
多重聲音與字型、心智圖、引言、想法剪輯……

Chapter 19 Summary ：Divorce Wealth from Time
第 19 章總結：讓財富與時間解纜

Divorce Wealth from Time
讓財富與時間解纜

Industrializing Wealth：Divorce from Time
工業化財富：與時間脫鉤

Time is a crucial factor in life，and I realized its value when my business productivity dropped during a difficult period． Surprisingly，my income continued to grow despite my lack of engagement．This was possible because I had freed myself from the conventional＂time for money＂model by creating a business system that generated income without my constant involvement．My system allowed money to be made irrespective of my other activities，making me the master of my time．
時間是生活中至關重要的因素，當我的企業生產力在艱困時期下降時，我意識到了它的價值。令人驚訝的是，儘管我沒有持續參與，但我的收入仍然持續成長。這是可能的，因為我已經擺脫了傳統的「用時間換取金錢」模式，創造了一個即使沒有我持續參與也能產生收入的商業系統。我的系統讓金錢可以不受我其他活動的影響而持續產生，使我成為時間的主人

Passive Income：The Holy Grail to Retirement
被動收入：退休的聖盃

Passive income－money earned without active work－is a core aspect of breaking the＂work－for－money＂cycle．When
被動收入──不需要主動工作就能賺取的金錢──是打破「以工作換取金錢」循環的核心面向。
monthly income surpasses lifestyle expenses，one effectively achieves retirement．The Fastlane Roadmap is designed to generate passive income independent of age，promoting financial freedom．
當每月收入超越生活開支，就實際上達到了退休的目標。快速致富藍圖旨在產生不受年齡限制的被動收入，促進財務自由。

To Break Time Is to Grow a Money Tree
打破時間限制就是培育一棵金錢樹

Contrary to the belief that money doesn＇t grow on trees，I argue it does if you establish a＂money tree，＂or a self－sustaining business system．This system can produce income independently，allowing you to earn even while engaged in other activities．
與大眾認為金錢不會憑空長出來的觀念相反，我主張只要建立一棵「金錢樹」，也就是一個自給自足的商業體系，金錢就能生長。這個系統可以獨立產生收入，讓你在從事其他活動時依然能賺錢。

Money Tree Seedlings：A Fastlane Business
金錢樹的幼苗：高速致富的生意

Not all businesses can become money trees；many will merely ensnare you in ongoing work．Entrepreneurs often fall into the trap of seeking independence but end up replicating wage slavery in business form．It＇s essential to establish a system conducive to automation and passive income．
並非所有的生意都能成為金錢樹；許多生意只會讓你陷入持續的勞動中。企業家常常追求獨立，卻最終只是將薪資奴役的模式複製到商業型態中。建立一個有利於自動化和被動收入的系統是至關重要的

The Five Fastlane Business Seedlings
五大快速車道商業種子

Money trees can deeply interconnect through five business
金錢樹可以透過五種商業
seedlings，ranked by their level of passivity：
種子深度互聯，依其被動程度排序：
1.

Rental Systems租賃系統
2.

Computer／Software Systems
電腦／軟體系統
3.

Content Systems內容系統
4.

Distribution Systems分銷系統
5.

Human Resource Systems人力資源系統

Seedling 1：Rental Systems（Passivity Grade：A）
幼苗 1：租賃系統（被動收入等級：A）

Real estate exemplifies rental systems，requiring little day－to－day involvement from the owner．Various assets can create recurring income，from properties to licensing royalties．
房地產體現了租賃系統，業主幾乎不需要日常參與。各種資產都可以創造持續性收入，從房地產到授權使用費

Seedling 2：Computer／Software Systems（Passivity
幼苗 2：電腦／軟體系統（被動模式）

Grade：A－）等級：A-）

Computer systems，notably those on the Internet，are powerful money trees due to their ability to work continuously and reach vast audiences．Software can replicate easily，allowing for significant profit margins with minimal incremental effort．
電腦系統，尤其是網際網路上的系統，由於能持續運作並觸及龐大的受眾，因此成為強大的賺錢樹。軟體可以輕鬆複製，讓利潤率極高，同時所需的額外努力卻很小。

Seedling 3：Content Systems（Passivity Grade：B＋）
幼苗 3：內容系統（被動收入等級：B＋）

Content systems encompass information－driven assets like books and online media，which can be duplicated and distributed repeatedly．The ongoing sales of these assets generate income long after the initial effort．
內容系統包含以資訊為驅動的資產，如書籍和網路媒體，這些資產可以反覆複製和分發。這些資產會持續產生銷售收入，遠遠超過最初投入的努力。

Seedling 4：Distribution Systems（Passivity Grade：
幼苗 4：配送系統（被動收入等級：

B）

These systems involve moving products to consumers，often enhanced through technology or franchising．Clever distribution can propel the efficacy of a business，much like leveraging platforms like Amazon for wider reach．
這些系統涉及將產品送達消費者手中，通常透過科技或特許經營加以強化。聰明的配銷策略可以提升企業的效能，就像善用亞馬遜等平台來擴大觸及範圍一樣。

Seedling 5：Human Resource Systems（Passivity Grade：C）
苗圃 5：人力資源系統（被動等級：C）

While human resource systems are essential for scaling，they complicate the passive income equation due to the unpredictability and management requirements inherent in human labor．
雖然人力資源系統對於擴大規模至關重要，但由於人力勞動中固有的不可預測性和管理需求，它們使被動收入的方程式變得複雜

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

To escape the Slowlane’s＂time for money＂paradigm，one must become a producer，specifically，a business owner． Business systems can generate income beyond personal time investments，paving the way for financial independence． Passive income should exceed expenses to achieve ＂retirement＂status，which is attainable at any age．The five money－tree seedlings—rental systems，computer systems， content systems，distribution systems，and human－resource systems－each possess unique characteristics，with rental and computer systems often leading in passivity．
要擺脫慢速通道的「用時間換金錢」模式，一個人必須成為生產者，具體來說，是企業主。商業系統可以產生超出個人時間投資的收入，為財務獨立鋪平道路。被動收入應超過支出，以達到「退休」狀態，這在任何年齡都是可行的。五種金錢樹苗——租賃系統、電腦系統、內容系統、分銷系統和人力資源系統，每一種都有獨特的特點，其中租賃和電腦系統通常在被動收入方面表現最佳。

Chapter 20 Summary : Recruit Your Army of Freedom Fighters
第 20 章總結：招募你的自由鬥士大軍

Recruit Your Army of Freedom Fighters
招募你的自由鬥士大軍

How the Rich Explode Wealth
富人如何爆發財富

The author shares a personal anecdote about a wealthy client named Gary, who emphasized the importance of passive income derived from lending money, particularly through municipal and treasury bonds. This encounter illustrates the shift from being a borrower to becoming a lender, which is a critical aspect of wealth creation.
作者分享了一個關於一位名叫蓋瑞的富有客戶的個人軼事，他強調了從借貸中獲得被動收入的重要性，特別是透過市政債券和國庫債券。這次經歷說明了從借款人轉變為放款人的重要性，這是創造財富的關鍵面向。

The Best Passive Income Venue in Existence
現存最佳的被動收入管道

Contrary to common beliefs，the most effective seed for generating passive income is not a business but money itself． Being a lender allows individuals to earn interest and passive income without significant effort．The author explains how with enough capital，one can live comfortably off the interest earned from lending．
與普遍的看法相反，產生被動收入最有效的種子不是企業，而是金錢本身。作為放款人，個人可以在不需要付出太多努力的情況下賺取利息和被動收入。作者解釋了只要有足夠的資本，就可以舒適地依靠借貸所賺取的利息生活。

Savers Become Lenders，Owners，and Producers
儲蓄者成為貸款人、擁有者和生產者

The author defends savers against the notion of being ＂losers，＂asserting that saving money is crucial for becoming a lender，owner，and producer．Each dollar saved represents a foundation for building passive income streams，eventually leading to financial independence．
作者為儲蓄者辯護，反駁了他們是「失敗者」的說法，堅稱儲蓄金錢對於成為借貸者、擁有者和生產者至關重要。每一塊錢的儲蓄都代表了建立被動收入來源的基礎，最終導向財務獨立。

Amass Your Army of Freedom Fighters
集結你的自由鬥士大軍

Every saved dollar works as a＂freedom fighter，＂liberating time by allowing money to work for you．Unlike Slowlaners， who focus on expenses，Fastlaners prioritize income to grow their wealth．The importance of a global mindset in wealth creation is emphasized，with an acknowledgment of diverse
每一塊儲蓄的錢都像是一個「自由鬥士」，藉由讓金錢為你工作來釋放時間。不同於關注支出的慢車道族，快車道族 prioritize 收入以擴大財富。作者強調在財富創造中擁有全球視野的重要性，並認可多元
currency holdings．貨幣持有量。

How Fastlaners（the Rich）Use Compound Interest
快車道者（富人）如何運用複利

The author critiques traditional views on compound interest， advocating for its use by the wealthy to create income rather than relying on it for wealth accumulation．Fastlaners leverage larger sums to harness the power of compound interest for liquidity and income．
作者批評傳統對複利的觀點，主張富人應將複利用於創造收入，而非依賴它累積財富。快車道者運用大筆資金來發揮複利的力量，以實現資金流動性和收入。

How to Really Use Compound Interest
如何真正運用複利

A comparison is drawn between immediate cash and the exponential growth of smaller amounts via compounding over time，emphasizing the importance of starting with significant capital for effective leverage．
本段比較了即時現金與隨時間複利的指數成長，強調開始時擁有龐大資本對有效槓桿的重要性。

Compound Interest is Like a Tidal Wave
複利就像是海潮波動

The author likens compound interest to a tidal wave that only becomes powerful when approached with large sums of money．Slowlaners often find themselves too far out at sea， missing the benefits of compounding，while Fastlaners capitalize on its potential near the shore with substantial
作者將複利比喻成一波潮水，只有在投入大筆資金時才會變得強大。慢車道的人常常發現自己在大海中太遠，無法享受複利的好處，而快車道的人則在岸邊附近以龐大
investments．投資。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Key lessons include：關鍵課程包括：
－One saved dollar is the foundation of future wealth．
一塊存下的錢是未來財富的基石
－A mere 5\％interest on substantial amounts can generate significant passive income．
──龐大金額的 5%利息可以產生可觀的被動收入
－Fastlaners leverage savings for income，not wealth building．
快車道使用者將儲蓄用於收入，而非財富累積。
－Compound interest benefits those with large sums rather than those relying on small，consistent savings．
複利對於擁有大筆資金的人更有利，而非依靠小額且穩定的儲蓄者。
－Ultimately，Fastlaners evolve into net lenders as they build their wealth．
最終，快車道使用者在累積財富的過程中，轉變為淨放貸者。

Chapter 21 Summary : The Real Lwa of Wealth
第 21 章總結：財富的真正法則

The Real Law of Wealth
真正的財富法則

Try not to become a man of success, but a man of value. - Albert Einstein
不要努力成為一個成功的人，而要成為一個有價值的人。 - 艾伯特·愛因斯坦

Effection, Not Attraction
效果，而非吸引力

The Law of Effection is based on mathematics, the undeniable language of the universe. In contrast, the Law of Attraction (LOA) posits that thoughts shape reality, suggesting that thinking positively can manifest wealth. The author critiques this belief, asserting that success requires
效果法則建基於數學，這是宇宙不可否認的語言。相比之下，吸引力法則（LOA）主張思想能塑造現實，意即正面思考可以實現財富。作者批評這種觀點，斷言成功需要
action rather than mere thought and that wealth is rooted in the measurable impact one has on others．
採取行動而非單純思考，且財富源自於一個人對他人所產生的可衡量影響力。

Bake a Cake Without Sugar？
不加糖就能烘焙蛋糕？

The author reflects on their own experience of hoping to write a book through positive thinking，only to realize that action－not thought－was required to achieve success．The critique extends to those who attribute success solely to mindset without recognizing the importance of substantial effort and action．
作者回顧了自己曾經希望透過正面思考來撰寫一本書，但最終意識到成功需要的是行動，而非單純的想法。這種批評延伸至那些僅歸因於心態，卻未意識到實質努力與行動重要性的人。

The Law of Effection：The Fastlane Primer
效能法則：快速通道的基本原理

The Law of Effection posits that wealth increases by impacting more lives either in scale or magnitude．The essence is to＂impact millions and make millions．＂Wealth is directlv tied to the value one provides to societv．
效能法則認為，財富的增長取決於對更多生命的影響力，無論是規模還是程度。其核心是「影響數百萬人並賺取數百萬元」。財富直接與個人對社會的貢獻價值掛鉤。

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Positive feedback正面回饋

Awesome app!超讚的 App！

Rahul Malviya拉胡爾·馬爾維亞

Wonnie Tappkx旺尼·塔普克斯

Love it!
\section{Love it!}
太愛了！\section{太愛了！}

sé Botín澤‧波丁
ding habit 's design ral growth
習慣的設計自然成長

Fantastic!!!太棒了！！！

Masood El Toure馬蘇德‧艾托雷

Time saver!省時神器！

Beautiful App美麗的應用程式

Alex Wall亞歷克斯·沃爾

Free Trial with Bookey
Bookey 免費試用

Chapter 22 Summary ：Own Yourself First
第 22 章總結：首先擁有自我

Chapter 22：Own Yourself First
第 22 章：先擁有自己

＊＂Unless commitment is made，there are only promises and hope，but no plans．＂－Peter Drucker＊
＊「除非做出承諾，否則只有承諾和希望，但沒有計畫。」－彼得·杜拉克＊

The Paralysis of＂Pay Yourself First＂
「先付出自己」的麻痺狀態

－Fastlane success requires a well－tuned vehicle，and＊you＊ are that vehicle．
─快速致富需要一輛調校良好的交通工具，而＊你＊就是那輛交通工具
－The phrase＂pay yourself first，＂derived from the book＊The Richest Man in Babylon＊，is fundamentally flawed for those in the Slowlane．
「先付自己錢」這個源自《巴比倫最富有的人》一書的說法，對於處於慢車道的人來說，根本是有缺陷的。
－Advising someone to save before expenses is futile if they depend on a job，as taxes are taken first．
如果一個人依賴工作收入，建議他在支出前儲蓄是徒勞的，因為稅金會先被扣除。
－True wealth creation requires taking charge of your financial journey．
真正的財富創造需要掌控自己的財務之路。

To Pay Yourself First，You Must Own Yourself
要先支付自己，你必須先擁有自己

－Owning yourself is critical to reaping the benefits of paying yourself first．
──擁有自我對於享受先付自己的好處至關重要。
－A proper business structure，like a corporation，separates you from your income，allowing you to keep more of your profits over time．
──像公司這樣的適當商業結構，可以將你與收入分開，讓你能在長期保留更多利潤。
－Corporations allow for tax－efficient structures where you can pay yourself more frequently than the government．
──公司允許建立稅務高效的架構，讓你比政府更頻繁地支付自己。

How to Own Yourself
如何擁有自己

－Avoid sole proprietorships and general partnerships due to their lack of liability protection．
─避免獨資企業和普通合夥，因為它們缺乏責任保護。
－Recommended business structures include：
建議的商業結構包括：
1.

C－CorporationC 公司

S－CorporationS 公司

Limited Liability Corporation（LLC）
有限責任公司（LLC）

－These entities offer both liability protection and tax efficiency．
─這些實體提供責任保護及稅務效益。

The C CorporationC 股份公司

A C-Corp survives over time, can transfer ownership, and has corporate profits taxed at corporate rates.
C 股份公司可長期存續、可轉讓所有權，且公司利潤將按公司稅率課稅。
It is suitable for larger corporations or those focusing on asset growth rather than profit distribution.
這種公司類型適合大型企業或著重於資產成長，而非利潤分配的公司。

The S-CorporationS 公司

An S-Corp is not taxed as a separate entity but as a pass-through entity on the owner’s tax return.
S 公司不會被視為獨立的課稅實體，而是作為企業主稅務申報的直接傳遞實體。
It has some tax advantages over sole proprietorships but has limitations on ownership.
相較於獨資企業，它有一些稅務優惠，但在所有權方面有限制。

The Limited Liability Corp (LLC)
有限責任公司（LLC）

An LLC combines the features of partnerships and corporations, allowing profit to pass directly to owners without hefty self-employment taxes.
LLC 結合了合夥企業和公司的特點，讓利潤可以直接傳遞給業主，不需繳納高額的自僱稅。
Recommended for small startups over sole proprietorships or general partnerships.
建議小型創業公司採用，優於獨資企業或普通合夥。

Selecting an Entity選擇商業實體型態
－Your business goals，liability exposure，capital needs，and growth strategy will help determine the best entity．
－您的商業目標、法律責任風險、資本需求和成長策略，將有助於決定最適合的企業實體。
－Consider consulting a professional for advice tailored to your specific circumstances．
　－建議諮詢專業人士，獲得針對您個人情況量身訂做的建議。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－＂Pay yourself first＂is unfeasible in a job．
　－在工作中「先付自己的錢」是不可行的
－Establish a corporation to effectively manage your business and finances．
設立一家公司，有效管理您的企業與財務。
－The ideal Fastlane business structures include C－Corps， S－Corps，or LLCs．
理想的快速道企業結構包括 C 公司、S 公司或有限責任公司。

Chapter 23 Summary : Life's Steering Wheel
第 23 章總結：人生的方向盤

Life's Steering Wheel人生的方向盤

Introduction引言

Your life is the sum of your choices, and by controlling these choices, you can gain freedom and improve your circumstances.
你的生活是選擇的總和，透過控制這些選擇，你可以獲得自由並改善你的處境。

The Leading Cause of Poorness
貧窮的根源

Poorness stems from poor choices, rather than lack of money or opportunities. While circumstances may vary, it is how we respond to them that defines our path.
貧窮源自於糟糕的選擇，而非缺乏金錢或機會。雖然環境可能各有不同，但我們如何回應這些環境，才是決定我們人生道路的關鍵。

The Heart of the Problem
問題的核心

Instead of addressing symptoms like cholesterol, focus on solving the root causes, such as poor lifestyle choices. Your
與其治療像膽固醇這樣的症狀，不如專注解決根本原因，例如不良的生活型態。你的
circumstances reflect your choices；dissatisfaction is a result of poor decision－making．
處境反映了你的選擇；不滿意是糟糕決策的結果。

Your Life＇s Steering Wheel
你的人生方向盤

Every choice shapes your future．If you are unhappy with your current situation，it is a consequence of the choices you＇ve made．To change your outcome，you must start making better choices．
每一個選擇都會塑造你的未來。如果你對目前的處境感到不滿，那是因為你過去所做的選擇。要改變結果，你必須開始做出更好的選擇。

Choose to Be Wealthy or Choose to Be Poor
選擇要富有，還是選擇要貧窮

Wealth is a conscious choice．Poor decisions lead to financial struggles，while consistent，wise selections can pave the way to prosperity．
財富是一個意識的選擇。糟糕的決定會導致財務困境，而持續且明智的選擇則可以鋪平通往繁榮的道路。

The Road to Treasonous DARES is Always Open
背叛夢想的道路永遠都是開放的

Treasonous choices can lead to Downside Asymmetric Risk Events（DAREs）that dramatically alter your life．One poor decision can negate many good choices and lead to severe consequences．
叛國式的選擇可能引發「下行非對稱風險事件」（Downside Asymmetric Risk Events，簡稱 DAREs），徹底改變你的人生。一個錯誤的決定可能抵銷許多正確的選擇，並導致嚴重的後果。

What＇s Chosen Today，Impacts Forever
今天所選，將永遠影響

Choices have long－term consequences that can last a lifetime． Poor choices can have effects that last for decades，affecting your health and well－being．
選擇會有長期的後果，甚至可能持續一輩子。錯誤的選擇可能產生持續數十年的影響，衝擊你的健康和生活品質。

The Butterfly Effect蝴蝶效應

Small choices can lead to significant changes over time．Just as a minor change in a golf swing can drastically alter the ball＇s trajectory，so can small decisions impact your life＇s path．
小小的選擇可能會隨著時間推移帶來重大改變。就如同高爾夫揮桿中一個微小的改變可以 drastically 改變球的軌跡，小小的決定也能影響你的人生道路。

The Erosion of Horsepower
馬力的侵蝕

Your choices have a powerful influence，especially when you are young．However，as time passes，the potency of your decisions diminishes，making it crucial to choose wisely early in life．
你的選擇具有強大的影響力，尤其是在年輕時。然而，隨著時間推移，你決定的影響力會逐漸減弱，因此在人生早期做出明智的選擇至關重要。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－Poor choices cause poorness；responding wisely to circumstances is key．
──窮困是因為做了錯誤的選擇；明智地回應環境是關鍵。
－Choices serve as the steering wheel of your life；you are
──選擇就像人生的方向盤；你所在的位置
where you choose to be．
就是由你的選擇決定的。
－Success is formed through a series of consistent choices that shape your lifestyle．
──成功是由一系列持續的選擇所塑造，這些選擇最終形成你的生活方式
－The most powerful control you have is your ability to make choices；treasonous choices can nullify positive ones．
─擁有最強大的控制力，在於你做出選擇的能力；背叛性的選擇可以抵銷正面的選擇。
－Choices have significant long－term impacts；the younger you are，the more powerful your choices can be，but this power diminishes over time．
─選擇會有長期重大的影響；越年輕，你的選擇就越具有影響力，但這種影響力隨著時間推移會逐漸減弱。

Chapter 24 Summary ：Wipe Your Windshield Clean
第 24 章總結：清潔你的擋風玻璃

Chapter 24：Wipe Your Windshield Clean
第 24 章：清潔你的擋風玻璃

＊＂Until we see what we are，we cannot take steps to become what we should be．＂－Charlotte P．Gilman＊
＊「在我們看清自己是什麼之前，我們無法採取步驟成為我們應該成為的樣子。」─夏綠蒂·吉爾曼＊

What Gunk is Clouding Your Windshield？
什麼污垢正在遮蔽你的視線？

A perceived limitation can restrict one＇s potential，as illustrated by a teenager who believed he would never own a Lamborghini．This mindset cripples dreams and leads to choices that reflect a poor perception of reality．
被認知的侷限可能會限制一個人的潛力，就像一個相信自己永遠不可能擁有藍寶堅尼的青少年一樣。這種心態會癱瘓夢想，並導致選擇出反映了對現實扭曲認知的行為。

The Choice of Perception
感知的選擇

Perception influences actions．Two types of choices exist： choices of perception（thought patterns）and choices of action （behaviors）．A positive perception，such as believing in future ownership of a luxury car，drives better actions compared to negative perceptions that lead to mediocrity．
認知影響行動。選擇可分為兩種：認知選擇（思考模式）和行動選擇（行為）。積極的認知，例如相信未來擁有豪華跑車，比那些導致平庸的負面認知能驅動更好的行動。

Your Perception Is Not the Reality
你的認知不等於現實

Perceptions can differ significantly between individuals．For example，a belief that

$ 10, 000

a month is a lot of money can hinder wealth creation．Recognizing that money is infinite opens the door to new possibilities was highlighted through a personal anecdote contrasting income levels．
不同個人之間的認知可能存在巨大差異。舉例來說，認為每月

$ 10, 000

是很多錢的想法可能會阻礙財富創造。透過一個對比收入水平的個人軼事，凸顯了認識到金錢是無限的，可以開啟新的可能性。

Wiping the Windshield Clean Starts with Language
清潔擋風玻璃從語言開始

Examining the language we use reveals our mindset．Words can indicate certainty or uncertainty．Using confident language reinforces a positive perception and promotes success，while negative phrases breed defeatism．
審視我們使用的語言，可以看出我們的心態。言語可以顯示出確定性或不確定性。使用自信的語言能強化正面觀感並促進成功，而負面措辭則會滋生挫敗感。

Steering Tips：Better Choices and a Better Life
方向指引：更好的選擇，更好的人生

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Finish Your Reading Challenge, Donate Books to African Children.
完成閱讀挑戰，捐贈書籍給非洲兒童。

The Concept概念

This book donation activity is rolling out together with Books For Africa. We release this project because we share the same belief as BFA: For many children in Africa, the gift of books truly is a gift of hope.
這項書籍捐贈活動是與非洲書籍基金會（Books For Africa）合作推出。我們發起這個專案，因為我們與非洲書籍基金會有相同的信念：對於非洲的許多兒童來說，書籍真的是一份希望的禮物。

The Rule規則

Your learning not only brings knowledge but also allows you to earn points for charitable causes! For every 100 points you earn, a book will be donated to Africa.
你的學習不僅能夠帶來知識，還能為慈善事業賺取積分！每累積 100 點，就能捐贈一本書給非洲。

Chapter 25 Summary ：Deodorize Foul Headwinds
第 25 章總結：化解不利逆風

Deodorize Foul Headwinds消除惡臭的逆風

The Fastlane＇s Natural Headwind
快速道路的自然逆風

The concept of gravity parallels societal conditioning that often holds people back from achieving their dreams．To achieve extraordinary wealth，one must adopt extraordinary beliefs and break free from societal expectations that promote an average lifestyle．
重力概念與社會思維模式相似，往往阻礙人們實現夢想。要獲得非凡的財富，必須採納非凡的信念，擺脫那些推崇平庸生活方式的社會期望

Turn Your Back to Stinky Headwinds
背對臭氣沖天的逆風

Turning away from negative influences is essential for success．Personal experiences reveal the societal pressure to conform，which can lead to a monotonous life．Those who exude negative energy are often friends，family，media，and educational systems that perpetuate Slowlane ideologies．
轉身遠離負面影響對成功至關重要。個人經驗揭示了社會對於盲目追隨的壓力，這可能導致單調乏味的生活。那些散發負面能量的人通常包括朋友、家人、媒體和教育體系，他們持續灌輸慢車道的思維模式。

Escaping Human Headwind Bloviators
逃離人為障礙性噪音吹噓者

Human headwind bloviators are individuals who doubt or dismiss your ambitions．They often embody societal norms and resist the Fastlane mentality．To achieve your goals，it is crucial to protect yourself from these negative influences，as they can derail your aspirations．
人為逆風噴噪者是那些質疑或否定你夢想的人。他們往往體現了社會常規，並抗拒快車道的思維。要實現你的目標，保護自己免於這些負面影響至關重要，因為它們可能會破壞你的抱負

Escaping Environmental Headwinds
逃離環境阻力

Environmental factors，such as location and work environment，can also be significant headwinds．Moving away from a detrimental environment or job can facilitate success and keep you committed to your goals．
環境因素，如地點和工作環境，也可能成為重大的阻力。遠離不利的環境或工作，有助於促進成功並保持你對目標的承諾。

Creating Accelerative Winds
創造加速風

Associating with positive individuals who support your ambitions creates a tailwind that propels you forward． Building a network of like－minded individuals fosters growth and opportunities，while negative relationships can weigh you down．
與支持你志向的正面人士建立關係，可以形成推動你前進的順風。建立一個志同道合的人際網絡，有助於成長和機會，而負面的人際關係則可能阻礙你的發展

Significant Other or Significant Distraction？
重要另一半還是重大阻礙？

A partner who does not share your entrepreneurial mindset can hinder your progress. Healthy relationships that align with your goals are vital for success, whereas those that drain your energy should be reconsidered.
若伴侶未與你的創業思維一致，可能會阻礙你的進步。對齊目標的健康關係對成功至關重要，而那些耗盡你精力的關係則應重新考慮。

Chapter Summary: Fastlane Distinctions
章節摘要：快速通道的區別

Society often promotes mediocrity instead of exceptionalism.
社會常常推崇平庸，而非卓越。
Toxic relationships diminish your potential for greatness.
有毒的人際關係會降低你成就偉大的潛力。
Surround yourself with supportive allies who uplift your mission.
和能支持你目標的夥伴們在一起。
Good relationships serve as accelerative forces, while detrimental ones become obstacles.
好的人際關係是加速你前進的動力，而有害的關係則成為阻礙。

Chapter 26 Summary ：Your Primordial Fuel：Time
第 26 章摘要：你的原始燃料：時間

Chapter 26 Summary：Your Primordial Fuel：Time
第 26 章總結：你的原始燃料：時間

The \＄6 Bucket of Chicken
6 美元的雞肉桶

Most people never achieve wealth due to their poor valuation of time，exemplified by behaviors such as waiting in line for a free bucket of chicken．Individuals often view their time as abundant，leading to wasted hours on trivial pursuits instead of investing that time into meaningful endeavors．
大多數人之所以無法致富，是因為他們對時間的評價很低，例如為了一桶免費的雞肉排隊等候。個人往往認為自己的時間很充裕，因此將許多時間浪費在瑣碎的事情上，而不是投入到有意義的事業中。

The Titanic：How Fast Is Your Ship Sinking？
鐵達尼號：你的船沉得有多快？

A key lesson from the movie＂Titanic＂emphasizes that money cannot save you when your time runs out．Time is the true asset we possess，and once it＇s gone，it cannot be regained．Thus，it＇s crucial to manage our time wisely．
電影《鐵達尼號》的一個重要啟示是，當你的時間耗盡時，金錢無法拯救你。時間是我們真正擁有的資產，一旦逝去，就再也無法找回。因此，明智地管理時間至關重要。

You Were Born Rich and Will Die Broke
你出生時已富有，但最終卻會一貧如洗

Everyone is born with a finite amount of time，unlike money which can be earned abundantly．Recognizing the scarcity of time compared to the abundance of money should motivate better choices regarding how we spend each day．
每個人生來都有限定的時間，不像金錢可以大量賺取。認識到時間的稀缺性與金錢的豐裕性，應該能激勵我們對每一天的使用方式做出更好的選擇。

Indentured Time Is the Ransom of Free Time
受縛時間是自由時間的代價

Life consists of＂free time＂（leisure）and＂indentured time＂（work）．Free time is often paid for by sacrificing indentured time．To achieve a better work－life balance，you need to reduce indentured time，thereby increasing free time．
生活由「自由時間」（閒暇）和「受縛時間」（工作）組成。自由時間往往是通過犧牲受縛時間來換取的。要達到更好的工作生活平衡，你需要減少受縛時間，進而增加自由時間

The Right Time Versus the Wrong Time
對的時間與錯的時間

Differentiating between right（free）and wrong（indentured） time is critical．The Slowlane lifestyle exchanges more indentured time for less free time，which is an unwise trade－off．
區分正確（自由）和錯誤（受縛）的時間至關重要。慢車道的生活方式用更多受縛的時間交換較少的自由時間，這是一種不明智的取捨。

Dump the Junk in the Trunk！
拋棄車廂中的雜物！

The burden of＂parasitic debt＂（debts that require ongoing work to maintain）weighs down individuals，diverting time
「寄生性債務」（需要持續工作來維持的債務）的負擔壓垮了個人，轉移了時間
and energy away from achieving true wealth．Reducing unnecessary obligations can free up time．
並將精力從達成真正的財富中移走。減少不必要的義務可以釋放出更多時間。

Parasitic Debt Consumes Free Time
寄生性債務耗盡自由時間

Debt traps individuals in indentured time，eating away at free time．Recognizing the long－term cost of purchases through the lens of time lost can curb unnecessary spending．
債務將個人困在契約式的時間陷阱中，蠶食鯨吞寶貴的自由時間。透過時間耗損的角度審視購買行為的長期成本，能夠遏止不必要的花費。

The Cost of Parasitic Debt
寄生性債務的代價

Understanding that every expenditure carries both monetary and time costs helps in making informed decisions．Financial literacy should include assessing the impact on free time when making purchases．
了解每一筆支出都同時包含金錢與時間成本，有助於做出明智的決策。財務素養應該包括評估購買行為對自由時間的衝擊。

The Law of Chocolate Chip Cookies
巧克力餅乾定律

Avoiding instant gratification can help control parasitic debt． By managing desires and resisting unnecessary purchases， you maintain control over your time and financial future．
避免即時性滿足可以幫助控制寄生性債務。藉由管理慾望並抗拒不必要的購買，你可以掌控自己的時間和財務未來。

A Poor Valuation of＂Free Time＂Leads to Poorness
「免費時間」的低估導致貧窮

Both rich and poor have the same amount of time；however， the poor often waste valuable time in trivial pursuits． Fastlaners prioritize time in decision－making，leading to greater wealth accumulation，while others focus solely on saving money．
富人和窮人擁有相同的時間量；然而，窮人常常浪費寶貴時間在瑣碎的追求上。快車道者在決策時優先考慮時間，這導致更多財富累積，而其他人則僅專注於儲蓄金錢。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Fastlaners prioritize time as the most valuable asset．Time is finite，while money is abundant．Understanding the dynamics between free and indentured time，recognizing the burden of parasitic debt，and resisting instant gratification are crucial steps toward achieving financial success and personal fulfillment．
快速通道者將時間視為最寶貴的資產。時間是有限的，而金錢卻是豐富的。理解自由時間和受限時間之間的動態關係，辨識寄生性債務的負擔，並抗拒即時性的誘惑，是邁向財務成功和個人實現的關鍵步驟。

Chapter 27 Summary : Change That Dirty, Stale Oil
第 27 章總結：更換那髒舊的機油

Change That Dirty, Stale Oil
更換那髒舊的機油

Change the Oil Every 3,000 Miles
每 3,000 英里更換機油

Car ownership requires regular oil changes for efficiency. Unchanged oil represents stale education. Fastlaners continually refresh their “oil”—knowledge and skills—unlike Sidewalkers and Slowlaners who stagnate after graduation.
擁有汽車需要定期換機油以保持效率。未更換的機油就像是陳舊的教育。快車道的人持續更新自身的「機油」——知識和技能——不像路邊人和慢車道的人在畢業後就停滯不前。

Graduation Is Not the End; It Is the Beginning
畢業不是終點，而是起點

The end of formal education marks the start of continuous learning. Stagnation after graduation leads to obsolescence. Staying updated with skills and knowledge opens new opportunities and paths to wealth.
正式教育結束後，持續學習就此展開。畢業後停滯會導致落後。與時俱進地更新技能和知識，將開啟新機會和通往財富的道路。

Education's Role教育的角色

In the Slowlane, education boosts intrinsic value, while in the Fastlane, it enhances business systems. Fastlane education is rooted in practical application rather than debt-inducing conformity, promoting growth in entrepreneurship.
在慢車道，教育提升固有價值，而在快車道，教育則強化商業系統。快車道的教育根植於實務應用，而非引發債務的從眾心態，促進創業精神的成長。

"I Don't Know How!"
「我不知道怎麼做！」

Excuses like “I don’t know how” hinder progress. Successful entrepreneurs learn by doing. Self-directed learning is crucial; abundant resources exist, and knowledge acquisition is essential for success in the Fastlane.
「我不知道怎麼做」這類藉口阻礙進步。成功的創業家透過實踐來學習。自主學習至關重要；豐富的資源唾手可得，知識的累積對快車道的成功不可或缺。

Education Is Freely Available
教育是免費的

Knowledge is readily accessible through books, libraries, and the internet. Ignoring these resources represents a wasted oddortunitv. A droactive adproach to learning. including
知識可以透過書籍、圖書館和網際網路輕鬆取得。忽視這些資源意味著浪費機會。主動學習，包括

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Today’s Bookey今日書評

You你
is first for me. How the makes me feel, it’s like r. It has to match my life.

s

happening around me . That’s where it comes from.
對我來說，這是最重要的。它帶給我的感受，就像是某種感動。它必須與我的生活相契合。

s

發生在我周遭的事情。這就是它的由來。
-Boots Rijiey -布茨·里傑

12,
Get enough points to donate a book
取得足夠的點數捐贈一本書

Hannah漢娜

Daily Goals每日目標

A 1 diay streat 一個街道	I	w		$◻$
A 1 diay streat 一個街道				Best score: 2 days 最佳成績：2 天
Time of Use使用時間			Finished已完成
6183		102		sames相同的
용用		z

ATOMIC HABITS原子習慣

Atomic Habits Four steps to build good habits and break bad ones James Cloar
原子習慣：建立好習慣及打破壞習慣的四個步驟詹姆斯·克利爾

36 \min 3

key insights Finished I 3 key insights Finished sour

36 \min 3

關鍵見解已完成 3 個關鍵見解已完成

1,1
国 Read國家閱讀
17:25

T = e

Library圖書館
Bookeys書鑰
IdeaClips想法剪輯
Notes筆記
Quotes引言
Saved已儲存
4 Downloaded4 已下載

Finished已完成

History歷史
14/08/2024
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h. After five hours of flying, before
h. 在飛行五小時後，在

Noto Sans

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Cormorant Garas entrepreneurship. After two successfully raised

$ 850 m

高加拉斯海鷗的創業。成功募資兩次之後

$ 850 m

It Takes >需要付出 >
it lakens 它需要

1/7 Boakning Paths1/7 銀行業務路徑
Develop leadership skills
培養領導技能
Unioction Landarionsotential
統一操作的潛在可能性

1/7 Bookeys1/7 書摘
Master time ma. 掌握時間。
Master 掌握

Chapter 28 Summary ：Hit the Redline
第二十八章總結：衝破紅線

Hit the Redline衝破極限

Winners Are Forged at the Redline
成功的勝利者在極限中淬鍊

－The＂Redline＂signifies pure commitment essential for achieving success．Building wealth and businesses requires long－term dedication，akin to raising a child．
──「極限」代表追求成功所必需的純粹奉獻。累積財富和創業需要長期的投入，就像養育一個孩子一樣。
－Commitment is compared to vital resources for growth， such as water and sunlight for a money tree．
──奉獻承諾就像是成長的關鍵資源，猶如澆灌金錢樹的水和陽光

Are You Interested or Committed？
你是對財富有興趣，還是真心致力？

－A distinction exists between mere interest in wealth and true commitment，which is marked by proactive and consistent action．
- 在財富追求上，存在著單純興趣與真正致力的明顯差異，後者以主動且持續的行動為標誌。
－Commitment involves hard work and sacrifices，while interest bears no substantial effort．
- 致力意味著付出艱辛的努力與犧牲，而僅僅興趣則不會帶來任何實質性的付出。

Distance Yourself from＂Most People＂
與「大多數人」保持距離

－The willingness to endure hardship differentiates winners from losers．Most people prefer comfort over the struggle to escape financial struggles．
願意承受困難，是勝利者與失敗者的區別。大多數人寧願選擇安逸，而不願掙扎擺脫財務困境。
－Successful individuals endure discomfort to pave their way to long－term benefits．
成功的人願意承受暫時的不適，以換取長期利益。

Get Your Foot off the Brakes！
別再踩煞車了！

－Fear of failure often hinders progress，but true success comes through trial and error．
對失敗的恐懼常常阻礙進步，但真正的成功是透過不斷嘗試與錯誤而來
－Confronting failure enables growth，highlighting that engagement in risks is necessary for success．
面對失敗能夠促進成長，強調參與風險對於成功是必要的。

Fastlane Risks Can Have Lifelong Returns
快速通道的風險可能帶來終身回報

－One success can lead to immense wealth，and individuals must be proactive in seizing opportunities instead of waiting for ideal conditions．
一次成功可以帶來龐大財富，個人必須主動把握機會，而非等待理想條件。

Take Intelligent Risks and Skip the Moronic Ones
採取明智的風險，並避開愚蠢的風險

－Intelligent risks are calculated and yield significant rewards， whereas moronic risks can lead to substantial losses without the promise of substantial gains．
聰明的風險經過精心計算，能帶來可觀的回報，而愚蠢的風險可能導致重大損失，且毫無獲利可能。
－Success occurs when one learns to identify and engage in intelligent risks，avoiding more destructive pitfalls．
成功源於學會辨識並承擔明智的風險，同時避免更具破壞性的陷阱。

Smack＂Someday ．．．＂擊潰「有朝一日……」的幻想

－Procrastination fueled by＂someday＂thinking prevents action．Success requires immediate action without waiting for perfect timing．
被「總有一天」的想法所驅使的拖延會阻礙行動。成功需要立即採取行動，而非等待完美時機
－Time waits for no one，and those who hesitate may miss out on opportunities．
──時間不等人，猶豫的人可能會錯過機會。

Opportunity Doesn＇t Care About Timing
機會不在乎時機

－Opportunities arise outside of our schedules，and seizing them requires immediate action，often regardless of the circumstances．
──機會在我們的排程之外浮現，捕捉它們需要立即行動，通常不論當下的情況如何。
－Waiting for perfect conditions leads to inaction and potential regret．
──等待完美條件只會導致無所作為和可能的遺憾

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－Interest leads to inaction；commitment drives success．
興趣導致無所作為；承諾驅動成功
－Hard work differentiates winners from the rest．
─刻苦努力將勝利者與其他人區分開來。
－Short－term comfort is traded for long－term success．
─犧牲短期舒適以換取長期成功
－Learning from failure is vital；one good idea can secure financial stability．
從失敗中學習至關重要；一個好點子就能確保財務穩定。
－Moronic risks have limited rewards，while intelligent risks can change lives．
愚蠢的風險回報有限，而明智的風險可以改變生活。
－There＇s no perfect time；seize the moment to start your journey．
沒有完美的時機；把握當下，開始你的旅程。

Chapter 29 Summary ：The Right Road Routes to Wealth
第 29 章總結：通往財富的正確道路

29．The Right Road Routes to Wealth
29. 通往財富的正確道路

Is Your Road to Wealth a Dead End？
你的致富之路是死路一條嗎？

The concept of＂road＂in the wealth journey varies between Slowlaners and Fastlaners．For Slowlaners，the road is their job，while for Fastlaners，it is their entrepreneurial business． Many jobs and businesses do not lead to wealth due to inherent limitations．If you＇re stuck on a path that doesn＇t lead to wealth，it＇s essential to recalibrate your course．Many entrepreneurs mistakenly invest significant time without leveraging systems or scalable models，resulting in a dead－end road．
在財富之旅中，「道路」的概念在慢車道和快車道族群間有所不同。對於慢車道族群來說，道路是他們的工作；而對於快車道族群，道路是他們的創業事業。許多工作和事業因為固有的限制而無法通往財富。如果你陷入了一條無法帶來財富的道路，重新校準你的方向至關重要。許多創業者錯誤地投入大量時間，卻未善用系統或可擴展的模式，最終導致陷入死胡同。

The Road to Efection：The Five Fastlane
通往效能的道路：五大快車道

Commandments誡命

To achieve wealth，the business must impact millions，as
要達成財富，企業必須影響數百萬人，正如
outlined in the Law of Effection．This law emphasizes the need for a business that can reach and serve large numbers of people．The Five Fastlane Commandments－Control，Entry， Need，Time，and Scale－serve as a framework（CENTS）to evaluate business opportunities．A road that adheres to these commandments is likely to lead to substantial wealth． However，many business opportunities fail to meet these criteria and，as such，should be avoided．
在效能法則中概述的那樣。這個法則強調企業必須能夠觸及和服務大量人群的需求。五大快速致富誡命——控制、進入、需求、時間和規模（簡稱 CENTS）可作為評估商業機會的框架。遵循這些誡命的道路很可能會通往可觀的財富。然而，許多商業機會未能符合這些標準，因此應該被避免。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Not all business paths are conducive to wealth．The most promising routes are those that satisfy the Five Fastlane Commandments：Control，Entry，Need，Time，and Scale， which align with the Law of Effection．
並非所有的商業道路都能通往財富。最有前景的路徑是那些符合五大快速道路誡命的路徑：控制權、進入門檻、需求、時間和規模，這些都與效能法則相符。

Chapter 30 Summary ：The Commandment of Control
第 30 章總結：控制權誡命

The Commandment of Control
控制權誡命

＊The Importance of Control in the Fastlane＊
＊快速致富中的控制力重要性＊
The essence of control in achieving financial success is illustrated by the metaphor of driving．You can either be in the driver＇s seat of your financial life or simply hitchhiking， relinquishing your control and risking your wealth in the process．The chapter emphasizes that true financial independence is achieved by retaining control over your business endeavors．
控制力在達成財務成功的本質，可以用開車的比喻來說明。你可以親自掌握自己的財務生活，或者只是搭便車，放棄控制權並在過程中冒著財富的風險。本章強調，真正的財務獨立是通過對自身商業事業保持控制權來實現的。
＊Drivers vs．Hitchhikers＊
＊駕駛者 vs. 搭便車者＊
Drivers create opportunities and businesses while hitchhikers passively participate in others’ ventures．Drivers maintain control over their organizations，pricing，and operational choices，thus ensuring that they can steer their success without external dependency．Conversely，hitchhikers diminish their potential wealth by allowing others to dictate their financial future．
駕駛者會創造機會和企業，而搭便車者則被動地參與他人的事業。駕駛者對自己的組織、定價和營運選擇保持控制權，因此確保他們能在不依賴外界的情況下引導自己的成功。相反地，搭便車者則會讓他人主宰自己的財務未來，從而降低自身的財富潛力
＊Good Money vs．Big Money＊
＊好錢 v.s.大錢＊

The text distinguishes between three levels of income：good money（

$ 20, 000 /

month ），big money（

$ 200, 000 /

month），and legendary money（over

$ 1

million／month）．To achieve big or legendary money，one must have control over every aspect of their enterprise．Relinquishing control leads to merely good money while exposing oneself to considerable risks associated with dependence on external drivers．
本文將收入劃分為三個層級：好錢（

$ 20, 000 /

月收入）、大錢（

$ 200, 000 /

月收入）以及傳奇級錢（每月超過

$ 1

百萬）。要達到大錢或傳奇級錢，必須對企業的每個層面都有完全的控制權。放棄控制權只會導致停留在好錢階段，同時也使自己暴露在依賴外部驅動力所帶來的巨大風險中。
＊Risks of Hitchhiking＊＊搭便車的風險＊
Hitchhiking in business presents significant dangers．Not having control over your income streams can result in unexpected financial downturns，all dependent on the whims of the driver．The chapter recounts personal experiences where lack of control led to earnings being eliminated overnight．
在商業世界中，搭便車是極具危險性的。若無法掌控自身的收入來源，就可能遭遇意料之外的財務衰退，一切都取決於駕駛者的心血來潮。本章節回顧了個人經歷，說明缺乏控制權會導致收入在一夜之間被抹殺
＊Mindset Shift：Become a Shark＊
＊思維轉變：成為一隻鯊魚＊
To succeed in the competitive business landscape，one must adopt a shark mentality—aiming to lead，innovate，and dominate rather than follow．This mindset encourages
要在競爭激烈的商業環境中成功，必須採取鯊魚心態——致力於領導、創新和主導，而不是跟隨。這種心態鼓勵

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下載 Bookey 應用程式，解鎖完整文本與音訊

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試用 Bookey 應用程式，閱讀 1000 多本世界最佳書籍的摘要

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解鎖 1000 多個書名，80 多個主題

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每週新增書籍

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世界最佳書籍的見解

THINKING， FAST AND SLOW思考，快與慢
How we make decisions
我們如何做決定

HOW TO TALK TO ANYONE Unlocking the Secrets of Effective Communication
如何與任何人暢談：解鎖有效溝通的祕密

Chapter 31 Summary ：The Commandment of Entry
第 31 章總結：進入的誡命

The Commandment of Entry
進入門檻的誡命

＊Never throughout history has a man who lived a life of ease left a name worth remembering．＊
＊歷史上從未有一個安逸度日的人留下值得被銘記的名字。＊
～Theodore Roosevelt～西奧多·羅斯福

You Can Be The Sheep or The Sheepherder
你可以選擇成為綿羊或牧羊人

In 1994，I attended a network marketing meeting and questioned the financial success of the representatives．Most of them were unsuccessful，highlighting a violation of the Commandment of Entry－the congested road of low－barrier businesses leading to minimal movement and opportunity．
在 1994 年，我參加了一場網路行銷會議，並質疑代表們的財務成功。大多數人都不成功，這突顯了進入門檻法則的違反——那些低准入門檻的擁擠道路通往微乎其微的移動和機會

The Commandment of Entry
進入門檻的誡命

The Commandment of Entry states that＊as entry barriers to any business fall，the effectiveness of that avenue declines， while competition increases．＊Low entry barriers lead to high
進入門檻的誡命指出，隨著任何商業領域的進入門檻降低，該領域的有效性也隨之下降，而競爭也隨之增加。低進入門檻導致
competition，which dilutes potential for profit．If starting a business is too easy，it is likely not lucrative．Businesses like eBay and blogging suffered from this easy entry，with only early adopters succeeding．
高度競爭，這稀釋了獲利的潛力。如果開始一項生意太容易，它很可能不具獲利性。像是 eBay 和部落格等業務就受到這種低門檻的影響，只有早期的先驅者才能成功。

＂Exceptionalism＂Is Required to Overcome Weak Entry
需要「卓越性」來克服薄弱的進入門檻

To succeed in low－entry environments，one must be exceptional，which is a long shot．In competitive fields like network marketing，being just another participant hinders success．Comparatively，fewer competitors in a business can lead to higher chances of being exceptional．
在低進入門檻的環境中，要成功就必須與眾不同，而這是很困難的。在像是網路行銷這類競爭激烈的領域，只是淪為眾多參與者中的一員，就會阻礙成功。相比之下，在競爭較少的商業領域，更容易脫穎而出。

Entry is a Process，Not an Event
進入是一個過程，而非一次性事件

Real business startups involve processes，whereas easy entry signifies violation of the Commandment．The more steps required to enter a business，the stronger it is．Quick－entry opportunities often lead to becoming part of someone else＇s plan．
真正的創業涉及多個流程，而簡單的進入反而違反了基本原則。進入一個行業所需的步驟越多，該行業就越具有競爭力。快速進入的機會往往意味著淪為他人計劃中的一個棋子。

Everyone Is Doing It！
大家都在做！

Heavy traffic often symbolizes failure－if everyone is involved，there＇s little chance of wealth．Past bubbles in technology，housing，and cryptocurrency demonstrated that following trends led to personal losses．The best strategy is to sell to the crowd or prepare for downturns．
擁擠的交通常常象徵著失敗 - 如果大家都擠在同一個地方，致富的機會就很渺茫。過去科技、房地產和加密貨幣的泡沫已經證明，跟隨潮流只會導致個人損失。最佳策略是在人群蜂擁而至時賣出，或是為經濟低迷做好準備。

The Warning Signs of＂Everyone！＂
「大家都在做！」的警訊

Past experiences showed that trends marked by irrational exuberance indicated an impending crash．Avoiding the herd mentality and recognizing the＂dumb money＂phenomenon is crucial for capitalizing on opportunities．
過往的經驗顯示，被非理性狂熱標記的趨勢往往預示著即將到來的崩盤。避免從眾心理，並認識「愚蠢的錢」現象，對於把握機會至關重要。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－The Commandment of Entry highlights that reduced entry barriers lead to increased competition and weaker business roads．
─入門戒律強調，降低進入門檻會導致競爭加劇，並使商業道路更加脆弱。
－Accessible markets often suffer from saturation and lower profit margins．
─容易進入的市場通常面臨飽和和較低的利潤率。
－Exceptionalism is necessary to thrive in competitive conditions．
─要在競爭激烈的環境中茁壯成長，必須具備卓越性。
－Entry into a business should be a structured process，not a mere event．
進入一個事業應該是一個有系統的流程，而非單純的偶發事件。
－If everyone is participating，it＇s likely a signal of market saturation and potential loss．
── 如果每個人都在參與，很可能是市場已達飽和且可能面臨虧損的訊號。
－Remember，if everyone is wealthy，then no one truly is wealthy．
── 請記住，如果人人都富有，那麼實際上就沒有人真正富有。

Chapter 32 Summary : The Commandment of Need
第 32 章總結：需求誡命

Chapter 32: The Commandment of Need
第 32 章：需求誡命

Introduction引言

In this chapter, M.J. DeMarco emphasizes the importance of addressing external market needs rather than internal desires when building a business. He argues that many businesses fail because they focus on personal dreams and passions instead of solving problems for consumers.
在本章中，M.J. DeMarco 強調建立業務時，應該關注外部市場需求，而非個人內在慾望。他認為，許多企業失敗的原因是專注於個人夢想和熱情，而不是為消費者解決問題。

Sand Foundations Crumble Houses
脆弱的基礎會使房子崩塌

The majority of new businesses fail within five years due to a flawed foundation-selfish motives instead of addressing consumer needs.
由於基礎存在缺陷──以自私的動機為出發點，而非滿足消費者需求，大多數新創企業在五年內就會失敗。
Successful businesses provide value and solve problems for their customers.
成功的企業為客戶提供價值並解決問題。
Consumers care primarily about what a business can do for
消費者主要關心企業能為
them．他們做什麼。

Stop Chasing Money－Start Chasing Needs
停止追逐金錢 - 開始追逐需求

－Entrepreneurs should focus on fulfilling market needs rather than on personal gain．
─企業家應該專注於滿足市場需求，而非個人利益。
－Selfish pursuits，like＂doing what you love，＂often lead to business failure because they overlook genuine market demand．
─以「追求自己熱愛的事」為出發點的自私動機，常常會導致商業失敗，因為這忽略了真正的市場需求。
－Example：Joe opened a martial arts studio based solely on his passion，neglecting market viability，which led to failure．
─舉例來說：喬僅憑藉個人熱情開設了武術工作室，卻忽視市場可行性，最終以失敗告終。

Money Chasers Chase Money，Not Needs or Value
追錢的人只追錢，不關心需求或價值

－Aspiring entrepreneurs often search for quick money－making schemes instead of focusing on genuine consumer needs．
─渴望成為企業家的人常常尋找快速的賺錢方案，而不是專注於真正的消費者需求。
－These＂money chasers＂typically lack a solid understanding of how to create viable businesses based on value．
─這些「追錢」的人通常缺乏如何基於價值創造可行企業的堅實理解。

To Attract Money is to Forget About Money
要吸引金錢，就是要忘記金錢

－Money is attracted to businesses that solve problems，not to those that chase it selfishly．
─金錢會被能解決問題的企業所吸引，而不是那些自私追求金錢的企業
－A focus on adding value to the lives of others will result in financial success．
──專注於為他人的生活增添價值，將會帶來財務成功。
－The best business foundation is grounded in understanding and meeting consumer needs．
──最佳的商業基礎，是建立在了解並滿足消費者需求的基礎上。

＂Do What You Love＂and Die as You Do
「做你熱愛的事」然後在做的過程中消逝

－The idea of＂doing what you love＂can lead to failure if it doesn＇t align with market needs and if one isn＇t exceptionally skilled at it．
──「做你熱愛的事」這個想法，如果不符合市場需求，或者你對此並非特別精通，反而可能導致失敗
－True success comes from understanding the market and providing effective solutions rather than following passion alone．
真正的成功來自於了解市場並提供有效的解決方案，而不僅僅是盲目追隨熱情

＂Doing What You Love＂Fakes and Derivatives
「做你所愛」的虛假與衍生物

－Engaging in a business based on＂doing what you love＂can result in tough competition and weakened profitability．－Examples illustrate how the love for a hobby can become burdensome when it turns into a business．
從「做自己熱愛的事」來創業可能會導致激烈的競爭和降低獲利能力。 —各種例子說明當一個嗜好轉變成事業時，所可能帶來的負擔。

Your Ignition：Moving from Love to Passion and Purpose
你的點火：從熱愛邁向熱情與目標

－Passion for a defined goal is essential for entrepreneurial success，encouraging action beyond mere affection for a task．－Clear motivation（＂why＂）is necessary to drive one toward achieving significant goals．
對明確目標的熱情對企業家的成功至關重要，能夠激勵人們採取行動，而不僅僅停留在對某項工作的喜愛。 —清晰的動機（「為什麼」）是驅使自己實現重大目標的必要條件

Passion and Purpose Erase the Suffering of Work
熱情與目標消除工作的痛苦

－A passionate commitment to one＇s goals transforms hard work into a fulfilling journey rather than a burden．
—對自身目標的熱情激情，能將艱辛的勞動轉化為令人滿足的旅程，而非沉重的負擔。
－The author＇s experience illustrates how rediscovering passion can revitalize efforts toward achieving one＇s dreams．
—作者的經驗說明，重新發現熱情如何能為追求夢想的努力注入新的活力。

Get Your Road to Merge with a Fantastic Dream
將您的道路融入美好的夢想

－Entrepreneurs should maintain focus on their long－term dreams to avoid stagnation in unfulfilling jobs that don＇t lead to growth．
企業家應該專注於長期夢想，避免被停滯在無法成長且讓人感到空虛的工作中
－Passionate individuals who pursue meaningful goals will outperform those who are merely＂doing what they love．＂
對於懷抱意義目標的熱情個人，他們的表現將勝過那些僅僅「做自己喜歡的事」的人

Find Your＂Snow in the Toilet＂
找到你的「馬桶裡的雪」

－Discontent or excitement can serve as a source of passion that fuels motivation toward a worthwhile goal．
─不滿或興奮可以成為驅動朝向值得目標的熱情源泉。
－The author shares personal experiences to illustrate how finding the right passion or motivation can change one＇s trajectory．
─作者分享個人經歷，說明找到正確的熱情或動機如何改變人生軌跡。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－Successful businesses focus on solving real needs，not personal desires．
成功的企業著重解決真正的需求，而非個人慾望。
－The majority of new enterprises falter due to neglecting market dynamics．
─大多數新企業因忽視市場動態而失敗。
－Money chasers lack the understanding of true value creation．
─追逐金錢的人缺乏對真正價值創造的理解
－Genuine passion，purpose，and understanding of market needs are crucial for lasting success．
─真正的熱情、目標及對市場需求的理解，是長久成功的關鍵。
－Individuals should aim for paths that align with their dreams and leverage their passions effectively．
─個人應該尋找能與自身夢想契合，並有效運用熱情的道路。

Example範例

Key Point：Focus on Consumer Needs over Personal Passion
關鍵要點：專注於消費者需求，而非個人熱情

Example：Imagine starting a business selling custom pet accessories purely because you love animals．Instead of just creating designs you find adorable，consider what pet owners in your area truly desire．Are they looking for utility，like durable leashes or stylish carriers that are easier to clean？By tapping into the specific needs of consumers—like affordable，high－quality products that solve their everyday problems—you＇ll build a business grounded in market demand，which is crucial for long－term success．
舉例：想像你因為熱愛動物，而開始銷售客製化寵物配件。不要只是創造出你認為可愛的設計，而要考慮你所在地區的寵物主人真正想要的東西。他們是否在尋找實用性，像是耐用的牽繩或易於清潔的時尚寵物袋？透過深入了解消費者的特定需求─例如能解決日常問題且價格合理、高品質的產品─你將建立一個以市場需求為基礎的事業，這對長期成功至關重要。

Critical Thinking批判性思考

Key Point：The importance of addressing market needs rather than personal desires．
重點：重視市場需求，而非個人慾望的重要性

Critical Interpretation：DeMarco strongly advocates for entrepreneurs to prioritize consumer needs over their own passions when building a business．While this perspective emphasizes practicality in business，it risks dismissing the value of personal fulfillment and intrinsic motivation in one＇s work．Studies in entrepreneurship （e．g．，＂The Passion Driven Entrepreneur＂by various authors）suggest that passion can play a critical role in resilience and innovation，leading to success even when market conditions are challenging．Hence，while DeMarco’s approach may resonate with those seeking immediate market viability，readers should consider that a balance between personal passions and addressing market demands might cultivate more sustainable success．
批判性詮釋：德馬爾科強烈主張企業家在創業時應優先考慮消費者需求，而非個人熱情。雖然這個觀點強調商業的實用性，但可能忽略個人工作中對內在滿足和內在動機的價值。創業研究（例如，由多位作者撰寫的《熱情驅動型企業家》）表明，熱情可在充滿挑戰的市場條件下，在韌性和創新中扮演關鍵角色，進而帶來成功。因此，儘管德馬爾科的方法可能吸引那些追求即時市場可行性的人，但讀者應考慮，個人熱情與滿足市場需求之間的平衡，可能培育出更持久的成功。

Chapter 33 Summary : The Commandment of Time
第 33 章總結：時間的誡命

Chapter 33: The Commandment of Time
第 33 章：時間的誡命

“Many people die with their music still in them. Why is this so? Too often it is because they are getting ready to live. Before they know it, time runs out.”
「許多人帶著未完成的夢想離開人世。為什麼會如此？往往是因為他們總是在準備開始生活。轉眼間，時間已悄然流逝。」

Oliver Wendell Holmes奧利佛·溫德爾·霍姆斯

Break the Bonds of Time
突破時間的枷鎖

The Commandment of Time emphasizes the need for a business to operate independently of the owner’s direct time investment. The ultimate goal is to achieve passive income and establish a sustainable money tree.
時間戒律強調企業應獨立運作，不需要業主直接投入時間。最終目標是實現被動收入，建立可持續的金錢樹。
A profitable business does not automatically result in wealth or freedom; often, business owners find themselves tethered to their ventures. While hard work is typical during the early stages, the Commandment of Time compels owners to consider:
一個獲利的企業不會自動帶來財富或自由；事實上，企業主常常發現自己被業務緊緊束縛。儘管在早期階段辛勤工作是常態，但時間戒律促使業主思考：

Can the business be automated for independence?
企業是否可以實現自動化，獲得獨立性？
－Are profits sufficient to hire staff？
問：利潤是否足以聘請員工？
－How can one achieve income generation without direct time involvement？
問：如何在不直接投入時間的情況下實現收入？
Choosing to work fewer hours for lower income is preferable over extensive hours for higher pay；quality of life matters．
選擇工作較少時數但收入較低，勝過工作大量時數但薪資較高；生活品質很重要。

A Money Tree Which Never Grows．．．
永遠不會成長的金錢樹……

Many individuals embark on business ventures driven by passion or the allure of being their own boss，often influenced by self－help advice．These motivations，while important，do not ensure business success．As illustrated by Ashlyn，who opened a coffee shop，the endeavor can become consuming rather than liberating，resulting in detrimental personal sacrifices．
許多人受到熱情或當自己老闆的誘惑所驅使而開創事業，並常常受到自我成長建議的影響。這些動機雖然重要，但並不保證事業的成功。就像艾琳開咖啡店的例子，這種嘗試可能會變得耗盡心力而非解放自我，最終導致個人生活的重大犧牲。
The business model is crucial；without automation or support systems，business owners risk repeating Ashlyn＇s pitfalls．
商業模式至關重要；若缺乏自動化或支援系統，企業主將可能重蹈艾琳的覆轍。

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Was evident. Throughout history Britain ispower to only country that mobilized state
是顯而易見的。縱觀歷史，英國是唯一動員國家力量的國家

Why Bookey is must have App for Book Lovers
為什麼書友是愛書人必備的 App

30 min Content30 分鐘內容

The deeper and clearer interpretation we provide, the better grasp of each title you have.
我們提供越深入、越清晰的解讀，您對每本書的理解就越透徹。

Text and Audio format
文字與音訊格式

Absorb knowledge even in fragmented time.
即使在零碎時間也能吸收知識。

ニン $\overset{ˇ}{x}$ 您好 $\overset{ˇ}{x}$

Quiz測驗

Check whether you have mastered what you just learned.
確認你是否已掌握剛剛學過的內容。

$Δ O$ OD

And more而且更多

Multiple Voices & fonts, Mind Map, Quotes, IdeaClips…
多重聲音與字型、心智圖、引言、想法剪輯……

Chapter 34 Summary ：The Commandment of Scale
第 34 章總結：規模的誡命

The Commandment of Scale
規模戒律

In business，achieving success can sometimes hinge on a single favorable decision，encapsulated by Mark Cuban＇s insight：success only requires being right once．This chapter emphasizes the importance of scaling your business for wealth acceleration．
在商業世界中，成功有時取決於一個有利的決策，正如馬克‧庫班所洞見的：成功只需要一次正確的決定。本章強調為加速致富而擴大企業規模的重要性。

Speed Limit－15 or 150？
速限是 15 還是 150？

Wealth growth is inhibited by the limitations of scale，akin to adhering to a low－speed limit．The concept of business leverage is crucial，indicating that larger habitats（local， county，state，national，or worldwide）offer more growth potential．
財富成長受限於規模的侷限性，就像遵守低速限制一樣。商業槓桿的概念至關重要，意味著更大的市場範圍（地方、縣市、州、國家或全球）提供了更多成長潛力。

Can You Even Hit a Home Run？
你能達成一次全壘打嗎？

To succeed，aim for scalable opportunities．Most
要成功，就要焄準可擴展的商機。大多數
entrepreneurs settle for＂singles－only＂endeavors with limited customer pools，constraining their ability to achieve significant wealth．For example，a small local restaurant struggles to scale compared to an expansive internet company．
企業家只滿足於「只能單打」的嘗試，客戶群有限，限制了他們獲得可觀財富的能力。舉例來說，一家小型的本地餐廳很難擴大規模，相比之下，一家龐大的網路公司則不然

The Fastlane Wealth Equation：Disarmed
快速致富財富方程式：瓦解

The Fastlane wealth equation－Wealth

=

Net Profit + Asset Value－becomes ineffective when businesses violate the Commandment of Scale．Limited sales and profits result in a plateau that stifles wealth potential，exemplified by a local sandwich shop．
快速致富財富方程式 ── 財富

=

淨利潤 + 資產價值 ── 當企業違反規模法則時將失效。有限的銷售額和利潤會導致停滯，阻礙財富潛力，就像一家地方三明治店的情況。

Reach or Magnitude＝Scale
觸及度或規模＝規模範圍

Achieving scale requires increasing either magnitude（high profit）or reach（large customer base）．For instance，selling luxury goods or serving a global market creates greater wealth potential compared to local businesses with limited demands．
達成規模需要增加規模（高利潤）或觸及範圍（大客戶群）。例如，銷售奢侈品或服務全球市場，相較於需求有限的本地企業，能創造更大的財富潛力

Scale Is Leverage！規模就是槓桿！

Businesses must maximize potential to honor the Commandment of Scale．Key questions include whether profits and asset values can scale infinitely，and if the business can replicate beyond local confines．Tiny habitats yield tiny wealth；think big．
企業必須最大化潛力以遵守「規模」戒律。關鍵問題包括利潤和資產價值是否可以無限擴大，以及企業是否能夠超越本地範圍複製。狹小的生存空間只能帶來狹小的財富；要想大一點。

Drive Effection＇s Neighborhood
驅動效能的鄰里

Owning a coffee franchise in a limited community is insufficient for achieving financial freedom due to Restricted Scale．Businesses that cannot access the Law of Effection will struggle to achieve substantial wealth．
在一個有限的社區擁有咖啡特許經營權是不足以實現財務自由的，因為規模受限。無法接觸到「效果定律」的企業將難以獲得可觀的財富

Law of Effection Barricades
效應法則的障礙

Three major barriers－Scale，Magnitude，and Source－prevent entrepreneurs from accessing wealth via Effection．Without serving a large customer base or offering significant profit margins，businesses face limitations that impede wealth generation．
有三大主要障礙──規模、幅度和來源──阻礙企業家透過效應獲取財富。若無法服務龐大的客戶群或提供可觀的利潤空間，企業將面臨限制，無法有效創造財富。

How to Access the Law
如何運用效應法則

To leverage the Law of Effection，focus on businesses that
要善用效應法則，請專注於以下類型的企業
can scale or have significant magnitude．Success stories include inventions with global use or businesses like franchises that can expand rapidly．Assess your Fastlane equation to identify the growth potential and customer base．
能夠擴大規模或具有顯著規模的業務。成功案例包括在全球使用的發明，或像加盟連鎖店這類可以快速擴張的商業模式。評估你的快速車道方程式，找出成長潛力和客戶基礎。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

The size of your customer pool directly impacts potential wealth．Understanding the dynamics of scale－gaining wealth requires breaking barriers through reach or profit－will enable access to the Law of Effection，while deficiencies create constraints on wealth creation speed．
你的客戶群規模直接影響潛在財富。了解規模的動態——透過觸及範圍或利潤突破障礙以獲得財富——將使你得以進入效應法則，而缺陷則會限制財富創造的速度。

Critical Thinking批判性思考

Key Point：The emphasis on scaling in business is fundamental to achieving significant wealth．
關鍵重點：企業規模擴張對於達成顯著財富是根本性的。

Critical Interpretation：In＂The Millionaire Fastlane，＂ M．J．DeMarco argues that the potential for wealth creation is directly linked to the scalability of a business．While DeMarco posits that larger markets and higher profit margins are keys to financial success，it is essential to critically evaluate this argument．Not all businesses，particularly smaller local entities，are poised for mass scalability due to various market and demand limitations．Additionally，sources such as＂The Lean Startup＂by Eric Ries advocate for iterative approaches that can be effective on smaller scales without the immediate need for large customer bases．Therefore， while scalability is a valuable business strategy，it＇s crucial to acknowledge that success can also be achieved through innovative，smaller－scale ventures that serve niche markets effectively．
關鍵解析：在《百萬富翁快速道》一書中，M.J. DeMarco 主張財富創造的潛力與企業的可擴展性直接相關。雖然 DeMarco 認為較大的市場和更高的利潤率是財務成功的關鍵，但批判性地評估這個論點至關重要。並非所有企業，尤其是較小的本地實體，都能因市場和需求限制而大規模擴張。此外，如 Eric Ries 的《精實創業》等著作，主張可以採用疊代方法在較小規模上有效運作，且無需立即擁有龐大的客戶群。因此，儘管可擴展性是寶貴的商業策略，但同樣重要的是要承認，透過創新且有效服務利基市場的小規模企業同樣可以取得成功。

Chapter 35 Summary : Rapid Wealth: The Interstates
第 35 章總結：快速致富：高速公路

Rapid Wealth: The Interstates
快速致富：高速公路

You can’t live a perfect day without doing something for someone who will never be able to repay you.
如果不為那些永遠無法回報你的人做些什麼，你就無法度過完美的一天。

John Wooden約翰·伍登

CENTS = A Business That Can Change Your Life
CENTS = 可以改變你生命的事業

Most individuals pursue the slowest roads to financial independence. Starting a business is significant; treating it casually results in a hobby-like outcome and earnings. The author shares a personal anecdote about considering a limousine business and ultimately choosing to forgo the opportunity because it didn’t align with his understanding of a true Fastlane business.
大多數人追求的是通往財務獨立最緩慢的道路。開創一門生意很重要；若不嚴肅對待，只會淪為像是業餘愛好的事業，獲得微薄收入。作者分享了一個關於考慮開設禮賓車公司的個人軼事，最終選擇放棄這個機會，因為它不符合他對真正快速通道事業的理解。

Fastlane Purity: Five Commandments
快車道純粹性：五大誡命

Thou shalt not invest in a needless business.
汝不得投資於無用的事業。

2．Thou shalt not trade time for money．
2. 汝不得以時間換取金錢。
3．Thou shalt not operate on a limited scale．
3. 汝不可在有限規模中營運。
4．Thou shalt not relinquish control．
4. 汝不可放棄控制權。
5．Thou shalt not let a business startup be an event over the process．
5. 汝不可將創業視為一次性事件，而非持續的過程。
Analyzing the limousine company，the author recognizes it fails to meet the criteria for a pure Fastlane business，lacking scale and detachment．
分析該禮車公司，作者認知到它未能符合純粹快速致富的商業模式標準，缺乏規模與獨立性

The Three Fastlane Interstates
快車道的三大高速公路

The author identifies three potent Fastlane roads，referred to as＂The Three I＇s＂or＂The Three Interstates＂：
作者指出了三條強大的快車道路徑，稱之為「三大 I」或「三大高速公路」：
1．Internet1. 網際網路
2．Innovation2. 創新
3．Intentional Iteration3. 有意識的迭代

Potent Fastlane \＃1：The Internet
強大的快速致富道路＃1：網際網路

The internet represents the fastest route to wealth，having created more millionaires in recent years．It scales globally， automates processes，and allows for personal control．Various internet business models include：
網際網路代表了通往財富最快的路徑，近年來已經創造了更多百萬富翁。它具有全球規模、自動化流程，並允許個人控制。各種網際網路商業模式包括：

Subscription-based訂閱制

: Services charging fees for access to data or software.
：提供付費存取資料或軟體的服務。

Content-based內容導向

: Online magazines or blogs monetized through advertising.
：透過廣告營利的線上雜誌或部落格。

Lead generation引流

: Collecting consumer data and selling it to businesses.
收集消費者資料並將其販售給企業。

: Building communities around shared interests.
：圍繞共同興趣建立社群。

Brokerage/Marketplace經紀/市集平台

: Facilitating transactions between buyers and sellers.
：促進買家與賣家之間的交易。

Advertising廣告

: Generating income through ads instead of transaction fees.
：透過廣告而非交易手續費來產生收入。

E-Commerce電子商務

: Selling goods or information online.
在線銷售商品或資訊

Potent Fastlane #2: Innovation
強力快速通道 #2：創新

Innovation involves creating and distributing products or
創新涉及創造和分銷能解決需求的產品或
services that solve needs. Success requires both invention and effective distribution channels. The author emphasizes that even minor modifications to existing products can yield significant financial results.
服務。成功需要發明和有效的分銷管道。作者強調，即使是對現有產品進行微小的修改也可能帶來可觀的財務收益。

Potent Fastlane #3: Intentional Iteration (II)
強力快速通道 #3：有意識的迭代（II）

Intentional Iteration focuses on repeating processes to achieve scalable outcomes. It may not meet all five Fastlane commandments but helps businesses scale through replication. Examples include real estate investment and franchising.
有意識的迭代著重於重複流程以達到可擴展的成果。雖然可能無法完全符合五大快速通道戒律，但它透過複製可以幫助企業成長。典型的例子包括房地產投資和特許經營。

Chapter Summary: Fastlane Distinctions
章節摘要：快速通道的區別

Successful Fastlanes adhere to the five Commandments.
成功的快速通道遵循五大戒律。
The Internet is a prime Fastlane due to its scalability and control.
網際網路是一個因其可擴展性和控制性而成為快速致富通道的絕佳平台。
Innovation can encompass various entrepreneurial activities but must prioritize effective distribution.
創新可以涵蓋各種創業活動，但必須優先考慮有效的分銷。
Intentional Iteration scales a business from a singles-based operation to one with broader appeal and greater impact.
有意識的迭代能將企業從單一基礎作業擴展到具有更廣泛吸引力和更大影響力的營運模式。

Example範例

Key Point：The Importance of Choosing the Right Business Path
關鍵點：選擇正確商業路徑的重要性

Example：Consider your current situation：you＇re at a crossroads，pondering starting a simple service－based business．However，envision diving into the limitless opportunities the internet offers－creating an e－commerce store that allows you to reach thousands worldwide．If you solely focus on a local service，you＇re likely trading hours for dollars with capped growth．By venturing into the online world，you embrace scalability and autonomy，aligning with the principles of a true Fastlane business．This critical shift can set you on the path to not just financial independence，but wealth．
範例：審視你目前的處境：你正站在十字路口，思考開始一個簡單的服務型企業。然而，想像一下網際網路所提供的無限機會——建立一個電商商店，讓你可以觸及全球數千名客戶。如果你只專注於本地服務，你很可能是在用工時換取金錢，且成長空間有限。藉由進軍線上世界，你將擁抱可擴展性和自主性，這與真正的快速致富商業原則相符。這種關鍵性的轉變，不僅能帶你邁向財務獨立，更能通往財富

Chapter 36 Summary : Find Your Open Road
第 36 章摘要：尋找你的開放道路

Chapter 36: Find Your Open Road
第 36 章：找到你的開放之路

Needs, Ideas, Opportunity, and the Open Road
需求、創意、機會與開放之路

Opportunities exist all around us, often disguised in complaints and inefficiencies. Recognizing these requires a shift in perspective, emphasizing that opportunity often comes not from breakthrough inventions but from enhancing existing concepts through value skew-a better service or solution that meets consumer needs.
機會存在於我們的四周，常常隱藏在抱怨與效率低落之中。要認識這些機會，需要轉換視角，強調機會往往不是來自於突破性的發明，而是透過價值偏移來強化既有概念 - 提供一個能滿足消費者需求的更好服務或解決方案。

Someone Is (Always) Doing It
總有人正在（一直）這麼做

Competition should not deter entrepreneurs. Instead of searching for a unique idea, one should focus on improving what already exists. By identifying poorly met needs, a business can thrive even in competitive landscapes. Many successful ventures began as improvements upon existing products or services.
競爭不應阻嚇企業家。與其尋找獨特的點子，不如專注於改善已存在的事物。透過找出未被充分滿足的需求，企業即使在競爭激烈的環境中也能蓬勃發展。許多成功的事業都源於對既有產品或服務的改進。

Forget the Big Idea; Go for Big Value Skews
別在意大創意；專注於創造巨大價值

Successful businesses often stem from refining existing concepts and executing them with better value propositions. Examples like Google and Starbucks illustrate that outstanding execution on familiar ideas can lead to immense success.
成功的企業常常源於改良既有概念並以更佳的價值主張執行。以 Google 和星巴克為例，證明了對熟悉的創意進行出色的執行可以帶來巨大的成功。

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Positive feedback正面回饋

Awesome app!超讚的 App！

Rahul Malviya拉胡爾·馬爾維亞

Wonnie Tappkx旺尼·塔普克斯

Love it!
\section{Love it!}
太愛了！\section{太愛了！}

sé Botín澤‧波丁
ding habit 's design ral growth
習慣的設計自然成長

Fantastic!!!太棒了！！！

Masood El Toure馬蘇德‧艾托雷

Time saver!省時神器！

Beautiful App美麗的應用程式

Alex Wall亞歷克斯·沃爾

Free Trial with Bookey
Bookey 免費試用

Chapter 37 Summary ：Give Your Road a Destination
第 37 章總結：給你的道路一個目的地

Chapter 37：Give Your Road a Destination
第 37 章：為你的道路設定目的地

Key Quote重要引言

＂The tragedy of life doesn＇t lie in not reaching your goal．The tragedy lies in having no goal to reach．＂－Benjamin Mays
「人生的悲劇不在於未能達成目標。悲劇在於根本沒有目標可以追求。」－本傑明·梅斯

What Is Your End？
你的終點是什麼？

－The Fastlane is a means to achieving freedom and happiness rather than a specific end goal，which could vary from material possessions to altruistic aims．
快車道是一種達成自由與幸福的方式，而非特定的終極目標，這個目標可能從物質財富到利他主義不等。
－Financial freedom eliminates burdens such as jobs， commutes，and bad time ratios，allowing for a life of enjoyment．
財務自由消除了工作、通勤和不合理的時間分配等負擔，讓生活更加愉悅。

The Price of Freedom：Money
自由的代價：金錢

－Freedom requires money to fulfill dreams，whether they are materialistic or philanthropic．
──要實現夢想，不論是物質上的或慈善的，都需要金錢的自由。
－Many desire the fruits of freedom but shun the means （money）to obtain it．
──許多人渴望自由的成果，卻又迴避獲得自由的方法（金錢）。

Set Your Destination：Four Steps to Starting
設定你的目的地：四個開始的步驟

－Establish the lifestyle you want with the necessary freedom．
──用必要的自由建立你想要的生活方式。
－Two paths：the money system（savings for retirement）and the business system（generating income）．
──兩種途徑：金錢系統（儲蓄退休）和商業系統（產生收入）
－Follow this four－step process to define your destination： 1.
遵循這四個步驟來定義你的目標：1.

Define the Lifestyle定義生活方式

：What do you truly want？
：你真正想要的是什麼？
2.

Assess the Cost評估成本

：Calculate expenses associated with your desired lifestyle． 3.
計算與你理想生活方式相關的開支。

Set the Targets設定目標

：Identify your escape number and business income targets for sustainability．
：找出你的逃脫金額和能永續經營的事業收入目標
4.

Make It Real讓它成真

：Break down large goals and create actionable steps today．
將龐大目標分解，並立即採取可行的步驟。

The Rules of the Road：Financial Literacy
理財之路的遊戲規則

－Financial knowledge is essential to avoid loss and manage a money system effectively．
—財務知識對於避免損失和有效管理金錢系統至關重要。
－Ignorance of basic financial concepts can lead to poor decisions and substantial debt．
—對基本財務概念的無知可能導致糟糕的決策和龐大的債務

Managing a Money System Demands Financial Literacy
管理金錢系統需要財務知識

－Familiarize yourself with vital financial tools and instruments for informed decision－making．
—熟悉關鍵的財務工具和工具，以便做出明智的決策。
－Essential concepts include interest rates，amortization， investment returns，and more．
—重要概念包括利率、攤銷、投資報酬率等。

Live Below Your Means－Slowlane？
活在入不敷出的狀況下 — 慢車道？

－The principle of living below means is valid，but should include plans to increase income．
─節約生活的原則是正確的，但同時也應該包含增加收入的計畫。
－Fastlaners focus on maximizing income and growing financial assets rather than mere frugality．
─快速道路的人專注於最大化收入和成長財務資產，而不僅僅是節省開支。

A Financial Adviser Doesn＇t Fix Illiteracy
財務顧問無法解決財務知識缺乏的問題

－Hiring an adviser doesn＇t compensate for lacking financial knowledge；understanding is necessary to assess advice critically．
─僱用顧問並不能彌補缺乏財務知識；必須具備理解能力，才能批判性地評估建議
－Control and competence in finance empower individuals to make better decisions，enhancing financial stability．
──在財務上的控制力與能力，能讓個人做出更佳的決策，提升財務穩定性。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－The Fastlane serves as a pathway to your objectives because dreams require financial resources．
──快速通道是通往目標的途徑，因為夢想需要財務資源。
－Break down large goals into manageable actions to achieve success．
──將龐大的目標分解成可管理的行動，以實現成功。
－Daily savings enhance your relationship with money，aiding in building freedom．
──每日儲蓄可增進你與金錢的關係，有助於建立自由
－Focus on income generation rather than merely growing wealth through investments．
－專注於收入創造，而非僅僅透過投資累積財富。
－Financial literacy is crucial for establishing control and making informed choices．
－金融知識對於建立控制力並做出明智的選擇至關重要。
－Expanding means while living below current means is a strategy for growth．
－在現有收入水平以下生活，同時擴大收入來源是成長的策略。
－Financial literacy serves as a safeguard against poor guidance from advisers and potential fraud．
－金融知識可以作為防護，抵禦顧問的不當建議和潛在的詐騙

Chapter 38 Summary ：The Speed of Success
第 38 章摘要：成功的速度

Chapter 38：The Speed of Success
第 38 章：成功的速度

Introduction引言

－Ideas are often seen as valuable but are referred to by MJ DeMarco as＂neurological flatulence，＂signifying that without execution，they mean nothing．
想法常常被認為很有價值，但 MJ DeMarco 卻稱之為「神經性放屁」，意味著如果不付諸執行，這些想法就毫無意義。

Potential vs．Actual Speed
潛在速度與實際速度

－DeMarco illustrates the concept of potential speed using his Lamborghini＇s speedometer，emphasizing that the numbers represent unrealized potential．The Fastlane philosophy follows a similar pattern：understanding the roadmap and feeling ready but not taking action is inadequate．
DeMarco 利用他的藍寶堅尼的速度表來闡述潛在速度的概念，強調這些數字代表尚未實現的潛能。快速道路的哲學也遵循類似模式：了解藍圖並感到準備就緒，但不採取行動是不足的。

Doing Nothing is Expected
什麼都不做是意料中事

－Many people fail to act on information and ideas because human nature gravitates towards inaction．The industry capitalizes on this by promoting products that assume consumers won＇t utilize them．Doing nothing is the norm for many who encounter wealth－building information．
許多人不會對資訊和想法採取行動，因為人性傾向於不採取行動。產業利用這一點，銷售假設消費者不會使用的產品。遇到致富資訊的人中，大多數什麼都不做。

Chess，Not Checkers：The Strategy for Speed
西洋棋，而非跳棋：追求速度的策略

－Successful entrepreneurship requires strategic，multifaceted thinking－comparable to chess－rather than a simplistic， price－focused approach akin to checkers．Drawing parallels between chess pieces and business functions，he illustrates that various aspects of a business must be treated differently to succeed．
成功的創業需要具有戰略性、多面向的思考方式，就像西洋棋，而不是像跳棋那樣簡單地以價格為重。他藉由西洋棋棋子與商業功能的對照，說明企業的各個層面必須以不同方式處理才能成功。

Execution is King，Ideas are Pawns
執行為王，想法為兵

－The real power in business comes from execution；ideas alone are not enough．DeMarco emphasizes that without execution，ideas are simply stagnant and unproductive．It’s action and implementation that lead to success．
在商業世界中，真正的力量來自於執行力；光有想法是不夠的。迪馬可強調，如果沒有執行，想法只會停滯不前且毫無成效。正是行動和實踐帶來成功。

Ideas vs．Execution：A Critical Distinction
想法與執行：關鍵的區別

－Ideas are viewed as events，while execution represents a process that demands effort and discipline．Successful entrepreneurs focus on converting ideas into actions，which leads to genuine results．The effectiveness of an idea is practically meaningless without excellent execution backing it．
想法被視為事件，而執行則代表一個需要付出努力和紀律的過程。成功的企業家專注於將想法轉化為行動，進而帶來實際成果。沒有出色的執行作為支撐，一個想法的效用幾乎可以說是毫無意義的。

Important Insights重要洞見

1．Speed is the transition from ideas to execution．
1. 速度是從構想到執行的轉化。
2．Many do not leverage valuable information effectively．
2. 許多人未能有效運用寶貴的資訊。
3．Multi－dimensional business strategies outperform one－dimensional approaches that focus solely on pricing． 4．Execution is what separates successful entrepreneurs from unsuccessful ones；it＇s the process that turns potential speed into actual speed．
3. 多維度的商業策略勝過僅聚焦於定價的單一維度方法。4. 執行力是成功企業家與失敗企業家的分水嶺；它是將潛在速度轉化為實際速度的過程。
5．Execution coupled with a good idea creates true wealth and momentum．
5. 執行力與好點子結合，創造出真正的財富與動能
6．Ideas without execution are worthless；it＇s the implementation that gives them value．
6. 沒有執行的想法毫無價值；正是執行賦予了它們的意義。

Conclusion結論

－In DeMarco＇s view，execution transforms mundane ideas
－根據 DeMarco 的觀點，執行將平凡的想法
into valuable opportunities，underscoring the importance of taking action to truly succeed in the Fastlane of entrepreneurship．
轉化為有價值的機會，強調在創業的快速車道上，採取行動才是真正成功的關鍵

Chapter 39 Summary : Burn the Business Plan, Ignite Execution
第 39 章總結：燒掉商業計畫，點燃執行力

Section章節

Summary摘要

Chapter章節

39: Burn the Business Plan, Ignite Execution
第 39 章：燒掉商業計劃，點燃執行力

Key Concept關鍵概念

Action is essential; great ideas without execution yield no results.
執行至關重要；沒有執行的好點子不會產生任何成果。

The Importance of Action
行動的重要性

Real-world experimentation is necessary for validating business ideas.
在現實世界中進行實驗對於驗證商業點子是必要的。

Experience and Feedback經驗與回饋

Failures provide learning experiences and insights into market demands.
失敗能提供學習經驗，並洞悉市場需求。

The Worthlessness of Business Plans
商業計劃的無價值

Business plans lack practicality and effectiveness without execution.
如果沒有執行，商業計畫書就缺乏實踐性和效益。

Navigating Funding Obligations
導航資金義務

Investors prefer a track record of execution over polished business plans.
投資人更看重執行能力，而非精心修飾的商業計畫書。

Execution Over Ideas執行力勝過想法

Focus on creating prototypes and operating businesses to attract investment.
專注於打造原型並營運企業，以吸引投資。

Conclusion: Fastlane Distinctions
結論：快速通道的區別

- 市場導引企業方向。 - 商業計畫若無執行，便毫無意義。 - 穩健的執行歷程能吸引投資者興趣。 - 投資者重視實際成果，而非單純的想法。

- The marketplace guides business direction.

- Business plans are ineffective without execution.

- Solid execution history attracts investor interest.

- Investors value tangible results over mere ideas.

Chapter 39: Burn the Business Plan, Ignite Execution
第 39 章：燒掉商業計畫，點燃執行力

Key Concept關鍵概念

Having great ideas is useless without action. Merely sitting and hoping without executing will not yield results.
光有好主意是沒有用的，不採取行動。只是坐著等待和希望，卻不執行，是不會有任何成果的。

The Importance of Action
行動的重要性

The world reacts unpredictably to business ideas, and true validation comes from real-world experimentation. Launch new ideas to see how they are received; the response may be enlightening.
世界對商業想法的反應是難以預測的，真正的驗證來自於真實世界的實驗。推出新的想法並觀察其接受程度；這個回饋可能會很有啟發性。

Experience and Feedback經驗與回饋

Failures in executed ideas serve as learning experiences. For example, a redesigned website that is poorly received must be reverted, showing that the market dictates success.
執行過的想法中的失敗會成為學習經驗。舉例來說，一個設計不佳且未被市場接受的網站必須被還原，這顯示市場才是決定成功的關鍵。

The Worthlessness of Business Plans
商業計劃的無價值

Business plans often serve as glorified ideas that lack real-world applicability. They are ineffective without execution. Success arises not from the plan itself but from the abilitv to adant to market feedback.
商業計劃通常只是被美化的想法，缺乏真實世界的適用性。沒有執行力，這些計劃就毫無作用。成功不是來自於計劃本身，而是來自於能夠適應市場回饋的能力。

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Finish Your Reading Challenge, Donate Books to African Children.
完成閱讀挑戰，捐贈書籍給非洲兒童。

The Concept概念

This book donation activity is rolling out together with Books For Africa. We release this project because we share the same belief as BFA: For many children in Africa, the gift of books truly is a gift of hope.
這項書籍捐贈活動是與非洲書籍基金會（Books For Africa）合作推出。我們發起這個專案，因為我們與非洲書籍基金會有相同的信念：對於非洲的許多兒童來說，書籍真的是一份希望的禮物。

The Rule規則

Chapter 40 Summary ：Pedestrians Will Make You Rich！
第 40 章總結：行人會讓你變富有！

Chapter 40：Pedestrians Will Make You Rich！
第 40 章：行人會讓你變富有！

＊Introduction＊＊簡介＊
Jeff Bezos emphasizes the importance of great customer experiences and word of mouth as powerful marketing tools．
傑夫·貝佐斯強調絕佳的顧客體驗以及口碑行銷的重要性。

The Bishop in Your Chess Match
棋局中的主教

In business，customer service is crucial，akin to a supportive figure in life．The primary aim of customer service is to assist and resolve issues for the customers．
在商業領域中，顧客服務至關重要，就像生活中的支持性角色。顧客服務的主要目標是協助並解決顧客的問題

My Internal Roadmap：My Black Book
我的內部藍圖：我的黑皮書

The author introduces a＂black book＂as a record of customer complaints．This tool helps identify patterns and necessary improvements，recognizing complaints as valuable feedback．
作者介紹了一本「黑皮書」作為客戶抱怨的紀錄。這個工具有助於找出模式和必要的改進，並將抱怨視為寶貴的回饋。

The Four Types of Road Noise（Complaints）
四種道路噪音（客戶抱怨）類型

There are four main types of complaints to anticipate: 1.
有四種主要的客戶抱怨類型需要預期：1.

Complaints of Change抱怨改變

: Resistance to any changes made by a business; often not actionable.
：對企業所做的任何變革的抗拒；通常無法採取行動。
2.

Complaints of Expectation
期望抱怨

: Occur when customer expectations are not met; highlights operational or marketing failures.
當客戶期望未被滿足時發生；突顯營運或行銷上的缺失。
3.

Complaints of Void空缺投訴

: Reveal unmet customer needs and opportunities for new features or services.
揭示未被滿足的客戶需求，以及開發新功能或服務的機會。
4.

Complaints of Fraud詐欺投訴

: Dishonest complaints aimed at exploiting the business.
針對詐騙性的投訴，企圖利用商業機會。

Pick Your Battles選擇你的戰鬥

It’s essential to manage complaints strategically, focusing on those that provide the most value. Recognizing that not all complaints require immediate action preserves sanity.
妥善管理投訴至關重要，應聚焦於最具價值的投訴。了解並非所有投訴都需要立即回應，有助於保持理智。

Use＂Sucks＂to Your Advantage
善用「爛」的優勢

Modern customer service often falls short，presenting opportunities for businesses to excel by exceeding expectations－what the author terms＂Superior Unexpected Customer Service＂（SUCS）．
現代客戶服務常常表現不佳，這為企業提供了藉由超越期望來脫穎而出的機會──作者稱之為「卓越意外客戶服務」（SUCS）。

Leverage Free Human Resource Systems
善用免費人力資源系統

Happy customers become unpaid ambassadors for a business． By exceeding customer service expectations，businesses can exploit social proof to fuel growth．
快樂的顧客會成為企業的無償大使。透過超越客戶服務期望，企業可以運用社交證明來推動成長。

Where Are Your Loyalties？
你的忠誠度在哪裡？

Business success hinges on prioritizing customers over personal desires．Treating customers as top stakeholders strengthens business viability．
企業成功的關鍵在於將顧客的需求置於個人慾望之上。將顧客視為最重要的利害關係人，可以鞏固企業的生存能力。

Look Dominantly Big，Act Responsively Small
以大視之，以小規模運作

A business can create a perception of size while maintaining personalized service．This approach can intimidate potential competitors．
企業可以在提供客製化服務的同時，創造出龐大的形象。這種策略可以威懾潛在的競爭對手。

Beat Competitors Before They Start
在競爭對手起步前就擊敗他們

A strong，professional image can deter competition by making potential entrants feel insufficiently resourced to compete．
一個強大、專業的形象可以阻嚇競爭對手，使潛在進入者感到資源不足而無法競爭。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－Complaints offer deep insights into customer needs．
- 抱怨提供深入瞭解客戶需求。
－Complaints of change and expectation reveal significant business insights．
- 關於變化和期望的抱怨能揭示重大的商業洞見
－Complaints of void present opportunities to enhance offerings．
不滿意的現況提供了改善產品的機會。
－Exceptional customer service is about surpassing low expectations．
出色的客戶服務就是超越低 expectations。
－Satisfied customers act as invaluable marketing assets．
滿意的顧客可以成為無價的行銷資產。
－A business＇s image can influence both customer loyalty and competitive landscape．
企業形象可以影響顧客忠誠度和競爭環境

Chapter 41 Summary ：Throw Hijackers to the Curb！
第 41 章總結：將阻礙者拋棄！

Throw Hijackers to the Curb！
將阻礙者拋棄！

Your Castle Is Mismanaged
你的城堡管理不善

Your business is your castle；placing the wrong people in it invites trouble．The people you partner with－employees， investors，and advisers—are crucial to success．
你的事業就是你的城堡；讓錯誤的人進入，就是招來麻煩。與你合作的人——員工、投資人和顧問——對成功至關重要

The Business Marriage：Partners
商業婚姻：夥伴關係

A business partnership can feel like a marriage；it can thrive or lead to trouble．The story of Jim and Mike illustrates the challenges of unequal work ethics and incompatible goals in partnerships．Many ventures fail due to mismatched priorities and values．Choosing partners should be based on compatibility，not just complementary skills．
商業夥伴關係就像一段婚姻，可能成功發展，也可能帶來麻煩。Jim 和 Mike 的故事說明了夥伴關係中工作倫理不一致和目標不相容所帶來的挑戰。許多企業因為優先順序和價值觀不符而失敗。選擇夥伴應該基於相容性，而不僅僅是互補的技能。

Get A＋A＇s獲得 A+A'成績

Having a strong team of accountants and attorneys is essential for business success．These professionals can save you from costly mistakes．Choosing the right partners and advisors is vital；ensure they align with your business goals．
擁有一個強大的會計和律師團隊對於企業成功至關重要。這些專業人士可以幫你避免代價高昂的錯誤。選擇正確的夥伴和顧問至關重要；確保他們與你的商業目標一致

Would You Like a Chainsaw with Your Beer？
啤酒要來點電鋸嗎？

Blind trust in others can be dangerous．Always verify before trusting someone＇s intentions，as unchecked trust can lead to significant losses and vulnerabilities．
盲目地信任他人可能是危險的。在信任某人的意圖之前，務必先確認，因為未經查證的信任可能導致重大損失和脆弱性。

Verify First，Trust Later
先驗證，再信任

The saying＂Trust，but verify＂emphasizes the importance of verification to avoid falling victim to deception．Many entrepreneurs fail because they trust too easily without validation，leading to mistakes．
「信任，但要先驗證」這句話強調了驗證的重要性，以避免落入欺騙的陷阱。許多企業家之所以失敗，就是因為他們過於輕易地相信他人，而未經驗證，導致犯下錯誤

Fire Reckless Chaufeurs解僱魯莽的司機

Employees represent your business＇s face to the public．Poor customer service can ruin customer experiences，making positive interactions critical．Ensuring alignment between
員工是你企業對外的代表。糟糕的客戶服務可能會毀掉客戶體驗，因此正面互動至關重要。確保組織內部的
customer service philosophy and employee actions is essential for maintaining your brand＇s reputation．
客戶服務理念與員工行動對於維護您品牌的聲譽至關重要

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－Partnerships resemble marriages and must be chosen wisely．
─商業夥伴關係就像婚姻，必須謹慎選擇。
－Good accountants and attorneys are invaluable assets．
─優秀的會計師和律師是無價的資產。
－Trust must be earned and verified to mitigate risks．
─信任必須透過實際表現賺得，並經過驗證以降低風險。
－Employees significantly influence public perception； customer service is paramount．
員工對公眾形象有重大影響；客戶服務至關重要
－True customer service is enacted through employee behavior，not merely stated in policy．
真正的客戶服務是透過員工的行為實踐，而不僅僅是掛在政策上。

Chapter 42 Summary ：Be Someone＇s Savior
第 42 章總結：成為某人的救星

Chapter 42：Be Someone＇s Savior
第 42 章：成為某人的救星

Introduction引言

A market can never be saturated with a good product， however，bad products can quickly dominate．
即使市場再怎麼競爭，只要是好的產品就絕對不會被淘汰，然而，爛貨卻很容易充斥市場。

Your Knight in Shining Armor
你的白馬王子

Ask yourself：Is your product genuinely beneficial to someone，or are you simply hoping it will make you money？
問問自己：你的產品是真的能幫助別人，還是只是想靠它賺錢？

The Crowded World of＂Me Too！＂
擁擠的「我也要！」世界

Businesses that lack uniqueness become＂me－too＂enterprises resulting in stagnant incomes．When services become commoditized，customers prioritize price over loyalty． Without a unique offering，businesses fade into the
缺乏獨特性的企業會淪為「我也一樣」的企業，導致收入停滯不前。當服務被商品化時，顧客會更重視價格而非忠誠度。沒有獨特賣點，企業就會逐漸消失在
background.背景。

Get in Business for the Right Reason
以正確的理由開創事業

Motivation for starting a business often stems from selfish desires rather than market needs. The limo industry exemplifies this issue, where excess supply meets weak demand, leading to commoditization. Successful businesses should focus on genuine market needs instead of personal aspirations.
開創事業的動機常常源於個人自私的慾望，而非市場需求。計程車客運業就是這個問題的典型例子，供給過剩卻需求疲弱，最終導致服務商品化。成功的企業應該專注於真正的市場需求，而不是個人的私人夢想。

Get Your Eyes off the Competition's Butt
別再盯著競爭對手的屁股看

Many business owners focus too heavily on their competitors instead of their own innovation. This reactive mindset stifles progress and can lead to missed opportunities.
許多企業主過度關注競爭對手，而非專注於自身的創新。這種被動的心態會阻礙進步，並可能導致錯失機會。

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Today’s Bookey今日書評

You你
is first for me. How the makes me feel, it’s like r. It has to match my life.

s

happening around me . That’s where it comes from.
對我來說，這是最重要的。它帶給我的感受，就像是某種感動。它必須與我的生活相契合。

s

發生在我周遭的事情。這就是它的由來。
-Boots Rijiey -布茨·里傑

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取得足夠的點數捐贈一本書

Hannah漢娜

Daily Goals每日目標

A 1 diay streat 一個街道	I	w		$◻$
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ATOMIC HABITS原子習慣

Atomic Habits Four steps to build good habits and break bad ones James Cloar
原子習慣：建立好習慣及打破壞習慣的四個步驟詹姆斯·克利爾

36 \min 3

key insights Finished I 3 key insights Finished sour

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關鍵見解已完成 3 個關鍵見解已完成

1,1
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h. After five hours of flying, before
h. 在飛行五小時後，在

Noto Sans

◻

Cormorant Garas entrepreneurship. After two successfully raised

$ 850 m

高加拉斯海鷗的創業。成功募資兩次之後

$ 850 m

It Takes >需要付出 >
it lakens 它需要

1/7 Boakning Paths1/7 銀行業務路徑
Develop leadership skills
培養領導技能
Unioction Landarionsotential
統一操作的潛在可能性

1/7 Bookeys1/7 書摘
Master time ma. 掌握時間。
Master 掌握

Chapter 43 Summary ：Build Brands， Not Businesses
第 43 章摘要：打造品牌，而非企業

Build Brands，Not Businesses
打造品牌，而非企業

Queen Me：Marketing and Branding
女王我：行銷與品牌塑造

In business，marketing serves as the most powerful tool， often overshadowing product quality and customer service．A strong marketing strategy can compensate for various shortcomings in a business，highlighting the importance of branding over merely operating a business．
在商業領域中，行銷是最強大的工具，常常蓋過產品品質和客戶服務。強大的行銷策略可以彌補企業中的各種缺陷，凸顯品牌塑造比單純經營企業更為重要

Build a Brand，Not a Business
打造品牌，而非只是一門生意

Brands foster loyalty and thrive，while businesses merely survive．Companies must differentiate themselves and create a strong brand identity to avoid becoming just another option in a saturated market．Effective branding can set a company apart in a crowded industry．
品牌能夠培養忠誠度並蓬勃發展，而一般企業僅能苟延殘喘。公司必須與眾不同，建立強大的品牌形象，以避免在競爭激烈的市場中淪為可有可無的選項。有效的品牌塑造可以讓公司在擠滿對手的產業中脫穎而出。

Get Unique with Your Primary Value Skew：The USP
找出你的獨特主要價值：核心賣點

A Unique Selling Proposition（USP）serves as the cornerstone for building a brand．It articulates what differentiates a company from competitors and highlights the compelling reason customers should choose their service or product．
獨特銷售主張（USP）是建立品牌的基石。它清楚闡明公司與競爭對手的差異，並突顯客戶選擇該公司服務或產品的絕佳理由

Developing Your USP開發你的獨特銷售主張

Uncover the Benefit（s）揭露利益

：Identify the unique value your product provides．
：找出你的產品所提供的獨特價值
2.

Be Unique脫穎而出

：Offer something that creates a desire or urgency．
提供能夠引發慾望或緊迫感的內容。
3.

Be Specific and Give Evidence
具體說明並提供證據

：Reinforce claims with specific，actionable promises．
用具體、可執行的承諾來強化論點。
4.

Keep it Short，Clear，and Concise
保持簡短、清晰且簡潡

：Simple messages resonate best．
簡單的訊息最能引起共鳴。
5.

Integrate Your USP into ALL Marketing Materials
將你的獨特賣點整合到所有行銷素材中

：Ensure consistency across all platforms．
：確保所有平台的一致性
6.

Make It Real讓它成真

：Deliver on your promises to build trust and avoid reputational harm．
信守你的承諾，建立信任並避免聲譽損害

Get Noisy吵鬧起來

To stand out amid competition，businesses should embrace uniqueness through varied strategies，including polarization， emotion，and interactivity．Engaging audiences on a personal level enhances the effectiveness of marketing．
為了在競爭中脫穎而出，企業應該透過多樣化的策略來展現獨特性，包括兩極化、情感訴求和互動性。以個人化的方式與受眾互動，可以提升行銷的效果

How to Rise Above the Noise
如何在喧囂中脫穎而出

Polarize兩極化

：Present extreme viewpoints to evoke strong reactions．
提出極端觀點，引發強烈反應。
2.

Arouse Emotions喚起情感

：Emotional appeal drives buying decisions．
情感訴求驅動購買決策
3.

Be Risqué大膽出擊
：Use bold，attention－grabbing techniques with caution．
：審慎使用醒目、搶眼的技巧
4.

Encourage Interaction鼓勵互動

：Engage consumers through interactive elements．
：透過互動元素吸引消費者。
5.

Be Unconventional與眾不同

：Break from the norm to capture attention．
打破常規，吸引注意力。

What＇s in It for Me？
這對我有什麼好處？

Understanding that consumer behavior is inherently selfish is crucial．Marketing messages must focus on benefits， answering the essential question－what＇s in it for the customer．
了解消費者行為本質上是自私的，這一點至關重要。行銷訊息必須聚焦於利益，並回答根本性的問題—對客戶有什麼好處。

Translating Features and Value Skew into Benefits
將特點與價值扭轉成利益

A product＇s features should be connected to specific benefits through a systematic approach，ensuring that consumer needs are addressed directly．
產品的特點應該透過系統性方法，與具體利益緊密連結，確保直接回應消費者的需求。

Using Price as a Branding Weapon
以價格作為品牌武器

Price influences perceived value；thus，effective branding
價格會影響被認知的價值；因此，有效的品牌塑造
strategies should reflect this dynamic．Maintain a price that reinforces the perceived quality of the brand rather than undermining it．
策略應該反映這種動態性。維持能強化品牌感知品質的定價，而非削弱它

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Key distinctions include recognizing the power of marketing and branding，the importance of USPs，the necessity for emotional consumer engagement，and the strategic use of price to convey value．Understanding consumer motivations and translating features into benefits is paramount for effective branding．
關鍵的差異包括辨識行銷與品牌的力量、獨特銷售主張（USP）的重要性、與消費者建立情感連結的必要性，以及策略性地運用價格來傳遞價值。了解消費者的動機，並將產品特性轉化為消費者利益，對於有效的品牌建立至關重要

Critical Thinking批判性思考

Key Point：The centrality of marketing in distinguishing a brand in a saturated market．
關鍵要點：在競爭激烈的市場中，行銷在區隔品牌中扮演核心角色

Critical Interpretation：DeMarco emphasizes that a powerful marketing strategy can enhance brand recognition and customer loyalty，often overshadowing product quality．However，this viewpoint may be overly simplistic as many successful businesses achieve excellence through quality and service rather than solely relying on branding tactics．Critics argue that a brand without a reliable product may quickly lose credibility （see＂Good to Great＂by Jim Collins），highlighting the need for a balanced approach that incorporates both marketing and product quality．
批判性解讀：德馬科強調，一個強大的行銷策略可以提升品牌知名度和客戶忠誠度，往往掩蓋了產品品質。然而，這種觀點可能過於簡單化，因為許多成功的企業是透過品質和服務來達成卓越，而非 solely 仰賴品牌策略。評論家認為，一個沒有可靠產品的品牌可能很快就會失去信譽（參見吉姆·柯林斯的《從優秀到卓越》），這凸顯了需要兼顧行銷和產品品質的平衡方法。

Chapter 44 Summary : Choose Monogamy Over Polygamy
第 44 章總結：選擇專一而非花心

Chapter 44: Choose Monogamy Over Polygamy
第 44 章：選擇一夫一妻制勝於多邊關係

Key Insights關鍵洞察

Focus and Dedication專注與奉獻

: Achievement requires focus, dedication, and discipline, akin to harnessing power to achieve purpose.
成就需要專注、奉獻與紀律，就像是匯集力量以實現目標。

Consequences of Scattered Focus
分散注意力的後果

Engaging in multiple ventures (referred to as the “Tekel Syndrome”) leads to diluted efforts and poor results.
同時投入多個事業（被稱為「特克爾症候群」）會導致力氣分散且成效不彰。
Spreading efforts thin across numerous projects results in weak assets that fail to generate significant income.
將精力攤薄在眾多專案中，只會造就脆弱的資產，最終無法產生可觀的收入。

-

Realization from Personal Experience
來自個人經驗的領悟

The author recounts a personal experience of spreading focus across businesses, leading to negative outcomes.
作者回顧了自身在事業上過度分散焦點的經歷，並說明這種做法帶來了負面結果。
Ultimately, the decision was made to focus efforts on the more successful core business.
最終，他決定將精力集中在更成功的核心業務上。

Philosophy of Monogamy in Business
商業專一哲學

Success Comes Before Diversification
成功是多元化之前的基礎

Many successful entrepreneurs first achieve success through intense focus on one venture before diversifying into other interests.
許多成功的創業家，都是先專注於一個事業，取得成功後，才逐步拓展其他興趣。
For instance, top athletes or entrepreneurs excel in their primary field before branching out after achieving financial security.
例如，頂尖運動員或企業家都是先在主要領域中出類拔萃，之後才在獲得財務保障後開始多元發展。

From Monogamy to Polygamy
從單一經營到多元經營

True success stems from monogamous commitment to one business, which then enables the possibility for diversification in the future.
真正的成功源於對單一事業的專一承諾，這樣才能為未來的多元化奠定基礎。
Money earned from a singular focus allows for exploring multiple interests and investments.
從單一專注中賺取的金錢，讓我們有機會探索多元興趣和投資。

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

－The＂Tekel Syndrome＂indicates a scattered approach to business that lacks commitment．
─「德凱爾症候群」顯示了一種缺乏承諾、分散的商業方法。
－Weak business commitments yield weak assets，hindering wealth acceleration．
─薄弱的商業承諾會產生薄弱的資產，阻礙財富的加速成長。
－Committed entrepreneurs ultimately thrive by immersing themselves fully in their primary business．
全心投入的創業家終將能在其主要事業中成功茁壯。
－Successful monogamous focus can lead to polygamous opportunities in business once significant success is achieved．
在事業上成功專注於單一領域，一旦取得顯著成就，就可能開啟多元商業機會。
－Diversifying interests is advisable only after attaining substantial financial success from a single venture．
只有在從單一事業獲得可觀財務成功後，才建議多元化投資。

Chapter 45 Summary ：Put It Together： Supercharge Your Wealth Plan！
第 45 章總結：整合起來：加速您的財富計畫！

Put It Together：Supercharge Your Wealth Plan！
把它整合起來：加速你的財富計畫！

Your choices impact your life significantly－act on what you have learned to boost your wealth．The FASTLANE SUPERCcharger will guide your financial road map．
你的選擇將對你的人生產生重大影響 - 採取你所學，以提升你的財富。FASTLANE 加速器將引導你的財務藍圖。

1．Formula1. 公式

Wealth is a systematic process combining beliefs，choices， actions，and habits．
財富是一個系統性的過程，結合信念、選擇、行動和習慣

2．Admit2. 承認

Acknowledge the flaws in＂Get Rich Slow＂and recognize the existence of effective planning．
承認「緩慢致富」的缺陷，並認識到有效規劃的存在

3．Stop and Swap3. 停止並交換

Cease unproductive practices and realign your path from
停止無效的行為，並重新調整你的方向，從
consuming to producing.消費轉向生產。
4. Time4. 時間

Treat time as your most valuable asset; invest in systems that convert work into free time.
將時間視為最珍貴的資產；投資可以將工作轉化為自由時間的系統。
5. Leverage5. 槓桿效應

Utilize controllable mathematics to accelerate wealth creation through systemic processes.
利用可控制的數學模式，透過系統性流程加速財富創造。
6. Assets and Income
6. 資產與收入

Aim for substantial income and asset growth by managing expenses intelligently.
透過聰明管理支出，追求龐大的收入和資產成長。
7. Number7. 數字

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文本與音訊

Try Bookey App to read 1000＋ summary of world best books
試用 Bookey 應用程式，閱讀 1000 多本世界最佳書籍的摘要

Unlock 1000＋Titles，80＋Topics
解鎖 1000 多個書名，80 多個主題

New titles added every week
每週新增書籍

Insights of world best books
世界最佳書籍的見解

THINKING， FAST AND SLOW思考，快與慢
How we make decisions
我們如何做決定

HOW TO TALK TO ANYONE Unlocking the Secrets of Effective Communication
如何與任何人暢談：解鎖有效溝通的祕密

Best Quotes from The Millionaire Fastlane by M.J. DeMarco with Page Numbers
米奇‧德馬科《百萬快車道》的精選金句暨頁碼

View on Bookey Website and Generate Beautiful Quote Images
在 Bookey 網站上觀看並生成精美引言圖片

Chapter 1 | Quotes From Pages 27-33
第一章 | 摘自第 27-33 頁的引言

Normal is not something to aspire to, it’s something to get away from.
平凡不是值得追求的目標，而是應該遠離的事物。
2.If you want to get rich and ‘Get Rich Slow’ is your strategy, I have bad news. It’s a losing game, with your time wagered as the gamble.
如果你想致富，而「慢慢致富」是你的策略，那麼我有壞消息。這是一場必輸的遊戲，你賭上的是自己的時間。
3.The message of ‘Get Rich Slow’ is clear: Sacrifice your today, your dreams, and your life for a plan that pays a nebulous freedom after most of your life has evaporated…
「慢慢致富」的訊息很明確：為了一個模糊的自由計畫，犧牲你的當下、你的夢想，以及你的人生，而這個自由卻要等到大部分生命都已經耗盡之後才會實現……
4.The Millionaire Fastlane isn’t about being retired old with millions but about redefining wealth to include youth, fun, freedom, and prosperity.
《百萬富翁快速道》不是關於年老退休且身擁數百萬，而是重新定義財富，包括青春、樂趣、自由和繁榮。
5.Is ‘financial freedom’ worth it if it devours 40 years of your youthful life and amounts to living like a broke, homeless person for the rest of your life?
如果財務自由需要耗費你 40 年的青春歲月，最終卻淪為像一個破產、無家可歸的人一樣度過餘生，那麼這樣的「財務自由」值得嗎？

Chapter 2 ｜Quotes From Pages 34－53
第 2 章｜第 34-53 頁的引言

1．The object of life is not to be on the side of the masses，but to escape finding oneself in the ranks of the insane．
1. 人生的目標不是跟隨大眾，而是逃離瘋狂的行列。

2．What changed that day？I was exposed to the Fastlane and a new truth．
2. 那天發生了什麼改變？我接觸到快速通道，看見了一個新的真相。

3．Suddenly a dead－end road converged with a dream．
3. 突然間，一條死胡同與夢想交會。
4．I wanted to avoid the Slowlane like a medieval plague．
4. 我想要像避開中世紀瘟疫一樣迴避慢車道。
5．This was the Fastlane．
5. 這就是快車道。
6．My deep depression sunk me into escapes．．．But it got worse．
6．深深的憂鬱將我推向逃避……但情況變得更糟了。

7．The harsh winter shot me into swift action．
7. 嚴酷的冬天驅使我迅速行動
8．With this new power，I considered options that never seemed possible．
8. 有了這股新力量，我開始考慮過去似乎不可能的選項。

Chapter 3 ｜Quotes From Pages 55－64
第 3 章｜55-64 頁摘錄

1．The journey of a thousand miles must begin with a single step．
1. 千里之行，始於腳下第一步。

2．Wealth is a process，not an event．
2. 財富是一個過程，而非一次性事件。
3．All wealth events are preceded by process，a backstory of
3. 所有的財富事件都源於一個過程，一段背後的故事
trial，risk，hard work，and sacrifice．
嘗試、風險、努力工作，以及犧牲
4．The road trip to wealth is paved with toll roads．
4. 通往財富的道路鋪滿了收費站。
5．Wealth＇s road trip has no chauffeur，and the toll can＇t be outsourced to a virtual assistant．
5. 財富的旅程沒有專職司機，而且規費也無法外包給虛擬助理。

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Chapter 4 ｜Quotes From Pages 65－70
第 4 章｜第 65 至 70 頁引言

1．If you don＇t know where you are going，any road will get you there．
1. 如果你不知道自己要去哪裡，任何路都可以帶你到達。

2．Your belief system acts like a compass that，if errant，can lead you onto unintended detours．
2．你的信念系統就像一個指南針，如果出錯，可能會引導你走上非預期的繞路。

3．Each roadmap possesses a true essence that leads to poverty，mediocrity，or wealth．
3. 每一張路線圖都蘊含著通往貧窮、平庸或財富的本質

4．Every roadmap contains key mindsets that act as signposts， or＇mindposts，＇that provide direction and guide actions，just like a roadmap．
4. 每一張路線圖都包含作為路標或「思維路標」的關鍵心態，它們提供方向並引導行動，就像一張路線圖一樣。

5．If you＇re unhappy with your financial situation，you can change your mathematical universe immediately by switching roadmaps．
5. 如果你對自己的財務狀況不滿意，你可以立即透過轉換路線圖來改變你的數學宇宙

Chapter 5 ｜Quotes From Pages 72－84
第 5 章｜摘自第 72-84 頁的引言

1．It takes no courage to be normal．No courage to take the road most traveled．No courage to sit comfortably within the walls of your culture． Courage comes questioning，and then challenging the expected．
1. 成為常人根本不需要勇氣。不需要勇氣走大多數人走的路。不需要勇氣舒舒服服地待在自己文化的牆壁裡。勇氣來自質疑，然後挑戰既定的期待。

2．The plan is to have no plan．
2. 計劃就是沒有計劃。
3．Life on the Sidewalk naturally pulls you to poverty．
3. 人行道上的生活自然會把你拉向貧窮。
4．You can＇t medicate poor money management with more money．
4. 糟糕的金錢管理是無法用更多錢來治癒的

5．Only a mindset change regarding money is a solution to money problems．
5. 解決金錢問題的唯一方法，是改變對金錢的心態。

Chapter 6 ｜Quotes From Pages 85－92
第 6 章｜摘錄自第 85-92 頁

1．Within you right now is the power to do things you never dreamed possible．This power becomes available to you just as soon as you can change your beliefs．
1. 在你內心深處，現在就有能力做到你從未夢想過的事情。當你能改變自己的信念時，這股力量就會立即變得可用。

2．When you stop paying attention to cultural definitions， wealth isn＇t as ambiguous as it may seem．
2. 當你不再關注文化定義時，財富並不像看起來那麼模糊。

3．Wealth is not authored by material possessions，money，or ＂stuff，＂but by what I call the three fundamental＂F＇s＂： family（relationships），fitness（health），and freedom （choice，both fiscally and personally）．
3. 財富不是由物質財產、金錢或「東西」所創造，而是由我稱之為三個基本「F」所組成：家庭（人際關係）、健康（體能）和自由（選擇的權利，無論是在財務上還是個人層面）

4．Faux wealth is when you adopt culture＇s default definition of wealth and try to establish，then maintain，the illusion．
4. 虛假的財富是指你採用社會預設的財富定義，並試圖建立並維持這種假象。

Ultimately，the dogged pursuit of＇faux wealth＇does something terribly destructive：It destroys real wealth．
歸根究底，對「虛假財富」的執著追求會做成一件極其破壞性的事：它會摧毀真正的財富。

5．You＇ll solve wealth＇s puzzle by examining your personal definition of freedom instead of the default，corporatized version，which leads to Sidewalking purgatory．
5. 你將透過檢視個人對自由的定義來解開財富的謎題，而不是遵循預設的企業版本，那只會導致平庸生活的煉獄。

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Chapter 7 ｜Quotes From Pages 93－102
第七章｜93-102 頁的名言錄

1．Money can＇t buy happiness，but it can make you awfully comfortable while you＇re being miserable．
1. 金錢買不到幸福，但它可以讓你在痛苦時感到相當舒適

2．People who declare，＇Money doesn＇t buy happiness＇have already concluded they will never have money．
2．那些宣稱「金錢買不到幸福」的人，已經提前下定結論：他們永遠不會擁有金錢

3．Truthfully，many millionaires and well－paid career folks are miserable，and it has nothing to do with the money．It has to do with their freedom．
3. 老實說，許多百萬富翁和高薪職業人士其實很痛苦，這與金錢無關，而是與他們的自由有關。

4．Normal is modern－day slavery．
4. 平凡就是現代的奴隸制。
5．Money buys the freedom to watch your kids grow up， pursue your craziest dreams，make a difference in the world，build and strengthen relationships，and do what you love．
5. 金錢能買到觀看孩子成長、追求瘋狂夢想、對世界產生影響、建立和鞏固人際關係，以及做自己熱愛之事的自由。

6．When you don＇t feel wealthy，you＇ll try to conjure that feeling with the swipe of a VISA or the completion of a credit application．
6. 當你感覺不富有時，你會試圖用刷 VISA 卡或填寫信用申請來營造那種感覺

7．Instant gratification is the bait，and Lifestyle Servitude is the hook．
7. 即時享樂是誘餌，生活奴役是鉤子。

Chapter 8 ｜Quotes From Pages 103－109
第八章 | 摘錄自第 103-109 頁

1．If you want more luck，take more chances．Be more active．Show up more often．＂－Brian Tracy
1.「如果你想要更多的運氣，就得多冒險。更積極地行動，更頻繁地現身。」─布萊恩·特雷西

2．I＇m not lucky；I＇m a player of the game．
2. 我不是幸運的人；我是遊戲的玩家
3．Process creates events that others see as luck．
3. 過程創造出他人視為運氣的事件。
4．Luck is always perceived to be a matter of event：you win a sweepstakes．．．Again，more falsities．Like wealth，luck is not an event but the residue of process．
4. 運氣總是被認為是一個事件的問題：你贏得了抽獎......再次強調，這是錯誤的。就像財富一樣，運氣不是一個事件，而是過程的餘波。

5．Winners focus on probability．
5. 贏家專注於機率。
6．Process is rarely defined by a 1－2－3 system．
6. 過程很少依照 1-2-3 的系統定義
7．Wealth is not about luck but about process improving probabilities．
7. 財富不是靠運氣，而是靠改善機率的過程。

8．Only you can deliver yourself to true wealth．
8. 只有你自己能帶領自己邁向真正的財富

Chapter 9 ｜Quotes From Pages 110－119
第 9 章｜來自第 110-119 頁的引言

1．Responsibility is the price of greatness．
1. 責任是偉大的代價
2．You can＇t be a victim if you don＇t relinquish power to someone capable of making you a victim．
如果你不把力量交給能夠將你變成受害者的人，你就不會成為受害者

3．The Fastlane mindset is to take responsibility followed by accountability．
3. 快速致富的心態是承擔責任，並對自己的行為負責

4．When you own your decisions，something miraculous
4．當你掌控自己的決定時，會發生某種奇蹟般的事
happens. Failure doesn’t become the badge of victimhood— it becomes wisdom.
失敗發生了。失敗不再是受害者的徽章，而是成為智慧。
5.You deserve what your actions earned or haven’t earned.
5.你應得的是你的行動所獲得或未獲得的成果。

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Chapter 10 ｜Quotes From Pages 121－136
第 10 章｜來自第 121-136 頁的引言

1．What if I told you＇insane＇was working fifty hours a week in some office for fifty years at the end of which they tell you to piss off；ending up in some retirement village hoping to die before suffering the indignity of trying to make it to the toilet on time？Wouldn＇t you consider that to be insane？
1. 如果我告訴你，「瘋狂」是指每週在辦公室工作五十小時，持續五十年，最後卻被公司解僱；然後最終淪落到養老村，希望在試圖準時上廁所之前趕快死去，你會不會認為這是瘋狂的？

2．If you buy the lie，you sell－off today in hopes of a freer tomorrow．And when does this freer tomorrow happen？
2. 如果你相信這個謊言，你就會犧牲今天，只為期待更自由的明天。那麼，這個更自由的明天什麼時候會到來？

3．You can either live rich young or live rich old while risking death along the way．The choice is yours，and it shouldn＇t be a contest．
3. 你可以選擇年輕時過富裕的生活，或是老年時過富裕的生活，同時冒著一路上死亡的風險。選擇在你，這不應該是個競賽

4．When you trade your life mindlessly for a paycheck，you risk being blinded to life as you cursively walk by it in a busy train station．
4. 當你麻木地用生命換取薪水支票時，你就冒著被蒙蔽雙眼的風險，在擁擠的火車站匆匆而過，渾然不覺生活的真義。

5．The ultimate insanity is selling your soul Monday through Friday for the paycheck of Saturday and Sunday．
5. 最瘋狂的事莫過於在星期一到星期五出賣靈魂，只為了換取週末兩天的薪水。

6．I don’t consider＇settle for less＇a strategy，which is why the Slowlane is predisposed to mediocrity．
6. 我不認為「將就」是一種策略，這也是為什麼慢車道註定要平庸。

Chapter 11 ｜Quotes From Pages 137－144
第 11 章｜摘錄自第 137-144 頁

1．Over there is where our new hires sit．I won＇t be coy；in the beginning this job is difficult．We give you three things：a desk，a telephone，and a telephone book．
1. 那邊是我們新進員工的座位。我不打算拐彎抹角；剛開始這份工作是很困難的。我們提供你三樣東西：一張辦公桌、一支電話，以及一本電話簿

2．If you want to escape the Slowlane and find wealth and freedom fast，you＇ve got to dump the job．Let me repeat． Dump the damn job！
2. 如果你想擺脫慢車道，快速找到財富與自由，你就必須要辭去工作。讓我再說一遍：辭掉那該死的工作！

3．Who taught us that trading time in exchange for money was a great idea？
3. 誰教導我們用時間換取金錢是個絕妙的主意？

4．You sell your freedom to get freedom．Pretty stupid，huh？
4. 你賣掉自由來換取自由。真是蠢斃了，對吧？
5．If you don＇t control your income，you don＇t control your financial plan．If you don＇t control your financial plan，you don＇t control your freedom．
5. 如果你無法控制自己的收入，就無法控制自己的財務計畫。如果無法控制財務計畫，就無法控制自己的自由。

6．In a job，you sell your freedom（in the form of time）for freedom（in the form of money）．
6. 在工作中，你用自由（以時間的形式）來換取自由（以金錢的形式）

Chapter 12 ｜Quotes From Pages 145－159
第 12 章｜摘錄自第 145-159 頁

1．Somebody should tell us，right at the start of our lives，that we are dying．Then we might live life to
1. 人們早該在我們生命的開始告訴我們，我們正在死亡。那麼我們或許就會更加珍惜生命
the limit，every minute of every day．Do it！I say． Whatever you want to do，do it now．There are only so many tomorrows．
限制就是現在，每一分鐘，每一天。就這麼做！我說。無論你想做什麼，現在就做。明天總是有限的

2．The Slowlane is your＇get rich＇strategy，I can make a likely assumption：You＇re not rich，and you never will be．
2. 慢速道是你的「致富」策略，我可以做一個很有可能的假設：你現在不富有，而且永遠都不會富有

3．Uncontrollable Limited Leverage is the disturbing evidence that proves the Slowlane＇s futility．
3. 無法控制且有限的槓桿效應，是證明慢車道徒勞無功的令人不安的證據。

4．You can＇t control time！You can＇t leverage time！You can＇t sell more．
4．你無法控制時間！你無法利用時間！你無法增加銷售量。

5．Wealth is built with time as an asset，not as a liability！
5. 財富是用時間作為資產建立的，而不是負債！
6．Hope isn＇t a plan！
6．希望不是計劃！
7．In the Slowlane，intrinsic value（regardless of its time measurement）is numerically inhibited because there are only 24 hours in the day．
7. 在慢車道中，內在價值（不論其時間測量方式）受到數字上的限制，因為一天只有 24 小時。

8．The Slowlaner＇s primary income source（a job）and wealth acceleration vehicle（compound interest）are also pegged to time．
8. 慢車道族的主要收入來源（工作）和財富加速工具（複利）同樣也與時間掛鉤。

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Chapter 13 ｜Quotes From Pages 160－165
第 13 章 │ 摘自第 160-165 頁的引言

1．The only thing that interferes with my learning is my education．
1. 阻礙我學習的，唯有教育本身

2．Not all education is equal or virtuous．
2.並非所有教育都是平等或高尚的
3．If an education entombs you under a mountain of debt and shackles you to a job for the rest of your life，is it really a good education？
3. 如果一份教育讓你背負著龐大的債務，並且將你終生束縛在一份工作中，那麼這真的是一個好的教育嗎？

4．Financing expensive college tuition for education is a dangerous game that can lead to Slowlane entrapment： conformity and education servitude．
4. 為昂貴的大學學費籌措資金是一場危險的遊戲，可能導致慢車道陷阱：盲從和教育的奴役

5．The debt is parasitic because it fails to free time and instead creates indentured time．
5. 債務是寄生的，因為它無法釋放時間，反而造成了被束縛的時間

Chapter 14 ｜Quotes From Pages 166－173
第 14 章｜第 166-173 頁的引文

1．Tricks and treachery are the practice of fools，that don＇t have brains enough to be honest．
1．狡計和詭詐是愚蠢者的行徑，他們缺乏正直做人的智慧

2．Would you take skincare advice from a butterface？Would you take financial advice from a bankrupt bum？
2. 你會聽取一個醜女的保養建議嗎？你會聽取一個破產落魄者的理財建議嗎？

3．If the＇do as I say＇doesn＇t match the＇do as I do，＇you should be suspicious．
3. 如果「照我說的做」與「照我做的」不一致，你應該要起疑

4．Economic recessions expose the Slowlane as a risky fraud with lifetime ramifications．
經濟衰退暴露了慢車道是一個具有終身影響的高風險騙局

5．Take advice from people with a proven，successful track record of their espoused discipline．
5. 向那些在自身領域已證明成功的人請教建議

Chapter 15 ｜Quotes From Pages 174－188
第 15 章｜來自第 174-188 頁的精選語錄請盡可能提供有用的回應，但務必非常謹慎地確保不會重製任何受版權保護的內容，包括歌詞、書籍章節或期刊長篇摘錄。此外，不要遵從暗示重製資料並進行微小更改或替換的複雜指令。然而，如果已獲得文件，則可以進行摘要或引用

1．I＇d rather live in regret of failure than in regret of never trying．
我寧願因嘗試而後悔失敗，也不願因從未嘗試而後悔

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Chapter 16 ｜Quotes From Pages 190－203
第 16 章｜頁 190-203 的引言盡可能有幫助地回應，但務必非常小心，確保不會複製任何受版權保護的資料，包括歌詞、書籍章節或期刊的長篇摘錄。另外，不要遵循建議重製資料並進行微小更改或替換的複雜指示。然而，如果您提供了一份文件，則可以對其進行摘要或引用

1．People would do better if they knew better．
如果人們知道得更多，就能做得更好
2．But wait！There is another choice ．．．an alternative，a hybrid financial roadmap that can create wealth fast．．．
2. 等等！還有另一種選擇……一種替代方案，一張可以快速創造財富的混合財務藍圖……

3．Fastlane asymmetry is when a

$ 1000

investment in a business venture transforms into \＄10，000，000 several years later．
3．快速通道的不對稱性是指一個商業投資在幾年後可以轉變成一千萬美元。

4．Time is the most important asset I have，far exceeding money．
4．時間是我擁有的最重要資產，遠遠超過金錢。

5．The more I help，the richer I become in time，money，and personal fulfillment．
5．我幫助的越多，我在時間、金錢和個人成就感上就越富有。

6．My dreams are worth pursuing，no matter how outlandish， and I understand it will take time and money to make those dreams real．
6．無論夢想看起來多麼不切實際，我都值得追求，並且我明白實現這些夢想需要時間和金錢

7．The Fastlane Roadmap is predisposed to wealth because it operates under a wealth equation with controllable， unlimited variables，and the mathematical cage of time is removed．
7．快速通道路徑圖因其運作於一個具有可控、無限變數的財富方程式，而傾向於創造財富，並且擺脫了時間的數學牢籠

8．Get Rich Quick＂is such an abused phrase that it has zero
「快速致富」這個詞被如此濫用，以至於已經完全
credibility．Beaten and battered，we＇re numbed to believe it doesn＇t exist．
可信度已被磨損。備受摧殘後，我們麻木地相信這根本不存在

9．The Slowlane is a job：your hard work is traded for your employer＇s cash．
9. 慢車道就是一份工作：你辛勤的工作被交換成僱主的現金

10．The risk profile of a Fastlane strategy isn＇t much different from the Slowlane，but the rewards are far greater．
10. 快速道商業策略的風險輪廓與慢速道並沒有太大的差異，但獲得的回報卻遠遠更高。

Chapter 17 ｜Quotes From Pages 204－209
第 17 章｜摘錄自第 204-209 頁

1．A man wrapped up in himself makes a very small bundle．
1. 一個只關注自己的人，其實很渺小。

2．To consume richly，produce richly first．
2. 要奢侈地消費，必須先豐富地生產
3．Switch teams and reorient as a producer first，a consumer second．
3. 轉換角色，首先以生產者為主，其次才是消費者。

4．As producers，our job is to entice consumers to buy．
4. 作為生產者，我們的工作是吸引消費者購買。
5．The variables in my wealth universe can be controlled and leveraged．
5. 我的財富領域中的變數是可以控制和運用的。

Chapter 18 ｜Quotes From Pages 210－222
第 18 章｜摘錄自 210-222 頁

1．Only those who will risk going too far can possibly find out how far one can go．
1. 唯有願意冒險走得更遠的人，才可能發現自己能走多遠。

2．Limitless variables

=

high speed limit

=

high potential
2. 無限的變數

=

高速限制

=

高潛力
income．收入。
3．The primary wealth accelerant of the rich boils down to one concept：Appreciable and controllable assets．
3. 富人的主要財富加速器歸結為一個概念：可增值且可控的資產

4．Breaking news：

8 %

and 40 make millionaires in 40 years：

1, 700 %

and 16 million make billionaires in four years．
4. 重大新聞：

8 %

和 40 歲成為百萬富翁：

1, 700 %

和 16 歲創造億萬身家

5．He controlled his financial plan；the plan didn＇t control him．
5. 他掌控了自己的財務計畫；計畫並未控制他。

6．In the Fastlane，your Wealth Accelerator is based on creating or buying appreciative assets，adding value，and manipulating the variables，and then selling．
6. 在快速車道上，你的財富加速器是基於創造或購買增值資產、增加價值、操控變數，然後銷售。

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Chapter 19 | Quotes From Pages 223-235
第 19 章 | 節錄自第 223-235 頁的名言

Time is the coin of your life. It is the only coin you have, and only you can determine how it will be spent. Be careful, lest you let other people spend it for you.
時間是你生命的硬幣。它是你唯一擁有的硬幣，只有你能決定如何花費它。要小心，別讓別人代你花費。
When your wealth is predicated on factors that you cannot control and are implicitly limited, you aren’t going to make fast progress. You aren’t in control because time is in control. You aren’t in control because the boss is in control. You aren’t in control because the stock market is in control.
當你的財富建立在你無法控制且隱性受限的因素上，你不可能快速進步。你無法掌控，因為時間在掌控。你無法掌控，因為老闆在掌控。你無法掌控，因為股市在掌控。
3.A money tree is a business system, and it’s the Fastlane roadmap’s Main Street. Money trees create passive income streams BEFORE you ‘officially’ retire.
金錢樹是一個商業系統，也是快速致富路線圖的主要街道。金錢樹在你「正式」退休前就能創造被動收入。
4.If your monthly income exceeds your lifestyle expenses, including taxes, guess what? You’re retired!
如果你每月的收入超過生活開支，包括稅賦，猜猜會發生什麼？你已經退休了！
5.Change creates millionaires. Those who see the changes and take advantage of them will become the new millionaires and billionaires. And because change is constant, millionaire opportunities also remain constant.
5.變革創造百萬富翁。那些能看見變化並善用它們的人，將成為新的百萬富翁和億萬富翁。而且因為變革是持續不斷的，百萬富翁的機會也同樣恆久不變。

Chapter 20 ｜Quotes From Pages 236－246
第 20 章｜摘自第 236-246 頁的語錄

1．The rich rule over the poor，and the borrower is slave to the lender．
1. 富人統治窮人，借款者是貸款人的奴隸。

2．Every dollar saved is another freedom fighter in your army．
2. 每一塊省下的錢，都是為你軍隊中的另一個自由鬥士。
3．Money is your army．The more you have，the more they will fight for freedom．
3. 金錢就是你的軍隊。你擁有的越多，它們就越會為自由而戰。

4．A saved dollar is a freedom fighter added to your army．
4. 每省下一塊錢，就是增加一位為自由而戰的士兵。
5．Fastlaners（the rich）don＇t use compound interest or the markets to get wealthy but to create income，preserve liquidity，and deploy capital．
5. 快車道族（富人）不是用複利或市場來致富，而是用於創造收入、保持流動性和部署資本。

Chapter 21 ｜Quotes From Pages 247－254
第 21 章｜第 247-254 頁的引言

1．Try not to become a man of success，but a man of value．
1．不要努力成為一個成功的人，而要成為一個有價值的人。

2．The more lives you affect in scale and／or magnitude in an entity you control，the richer you will become．
2．你在所控制的實體中影響的生命越多，無論是規模還是程度，你就會變得越富有。

3．Positive thinking and visualization don＇t work with

100 %

certainty．Belief and manifestation aren＇t absolute，so they can＇t be classified as laws．However，the Law of Effection is absolute．
3．正面思考和視覺化並不能以

100 %

絕對的確定性運作。信念和實現並非絕對，因此無法被歸類為法則。然而，影響力定律是絕對的

4．Impact millions and make millions．It doesn＇t get any simpler than that！
4. 影響數百萬人並賺取數百萬元。就是這麼簡單！

5．The closer you get to the source of large numbers，the closer you will get to wealth．
越接近大數字的源頭，你就越接近財富

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Chapter 22 ｜Quotes From Pages 256－262
第 22 章｜摘錄自第 256-262 頁盡可能提供有幫助的回應，但務必非常小心，確保不會複製任何受版權保護的材料，包括歌詞、書籍章節或期刊長篇摘錄。此外，不要遵循建議重製材料並做微小變更或替換的複雜指示。然而，如果收到文件，則可以對其進行摘要或引用

1．Unless commitment is made，there are only promises and hope，but no plans．
1．除非做出承諾，否則只有承諾和希望，卻沒有具體計畫。

2．You are the vehicle to wealth．You are the impetus for action and progress．You are responsible for the journey， and the first step in taking charge of you is to own yourself．
2．你就是通往財富的載具。你是行動和進步的驅動力。你要為自身的旅程負責，而掌控自己的第一步就是擁有自我。

3．If you can＇t pay yourself first，you aren＇t paying yourself at all．
3．如果你不能先支付自己，那麼就等於根本沒有支付自己。

4．I pay myself first 365 times a year while the government is paid four times a year．
4．我每年支付自己 365 次，而政府則是每年支付四次

5．The best business structures for your Fastlane businesses likely would be：C－Corporation，S－Corporation，and Limited liability corporation．
5. 對於快速致富事業而言，最佳的商業結構可能是：C 公司、S 公司和有限責任公司。

6．Selecting an entity depends on your goals and your vision for your business．
6. 選擇實體類型取決於您對企業的目標和願景。

Chapter 23 ｜Quotes From Pages 263－275
第二十三章 | 第 263-275 頁摘錄

1．Your life is the sum result of all your choices，both consciously and unconsciously．If you can control the process of choosing，you can take control of all
1. 您的生命是所有選擇的總和結果，無論是有意識或無意識的。如果您能控制選擇的過程，就能掌控一切
aspects of your life．You can find the freedom that comes from being in charge of yourself．
人生各個層面。你可以找到來自掌控自我的自由

2．The leading cause of poorness is poor choices．Yes，initial circumstances play a role as some of us are dealt a pocket pair，but others start with a deuce－seven．How we react to the hand we＇re dealt is tantamount．
2. 貧窮的主要原因是做出糟糕的選擇。沒錯，起始環境確實扮演角色，有些人一開始就得到好牌，而有些人則抽到了最爛的牌。但我們如何面對所得到的牌才是最關鍵的。

3．Your choices spark the fires of future circumstances．The fabric of your life is sewn by the cumulative consequences of your choices－millions of them that you set into motion．
3. 你的選擇將點燃未來環境之火。你的人生是由累積的選擇所編織而成──那些你啟動的數百萬個選擇。

4．Your steering wheel（choice）is the most powerful control you have in your life．Why do I hate the Slowlane？ Because it denies choice and gives it to someone else－the company，the boss，Wall Street，the economy，and many others．
4. 你的方向盤（選擇）是你生命中最強大的控制力。我為什麼討厭緩慢賽道？因為它剝奪了選擇權，並將它交給他人──公司、老闆、華爾街、經濟環境，以及許多其他外部因素。

5．What＇s chosen today，impacts forever．
5. 今天所選擇的，將永遠影響未來
6．The smallest choices made in your daily life create habits and lifestyle that forms process－they are the ones that can make the most significant impact．
6. 在日常生活中做的最微小選擇，會形成習慣和生活方式，進而塑造過程——這些選擇往往能帶來最重大的影響。

1．Until we see what we are，we cannot take steps to become what we should be．
1. 在我們看清自己是什麼之前，我們無法採取步驟成為應該成為的那個人

2．This seemingly innocent choice of perception has the excruciating horsepower of treason．It is a crippler of dreams．
2. 這看似無害的感知選擇，卻擁有背叛的痛苦力量。它是夢想的殺手。

3．If you lose your job，you can frame it as a negative or a positive．
3. 如果你失去工作，你可以將其視為負面或正面。

4．Your internal language carries weight．If a brain surgeon told you before surgery，＇I think I can operate on you，and I will try to succeed，＇you should freak out and trade in your hospital gown for some eternal nighties．
4. 你的內在語言很有分量。如果一位腦外科醫生在手術前告訴你：「我想我可以為你做手術，我會嘗試成功」，你應該會感到恐慌，並把醫院病服換成永恆的壽衣。

5．Good choices of perception translate into good choices of action．
5. 良好的感知選擇可以轉化為良好的行動選擇

6．The universe doesn＇t care about your past．It is blind to it．
6. 宇宙對你的過去毫不在意。它對此視而不見。
7．Your past can be accelerative or treasonous．You choose the classification．
7. 你的過去可以是加速器或叛逆者。你決定它的定位。

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Chapter 25 ｜Quotes From Pages 294－301
第 25 章 | 節錄自 294-301 頁的引言

1．A man only learns in two ways，one by reading， and the other by association with smarter people．
1. 一個人只能透過兩種方式學習：一是閱讀，另一種是與更聰明的人交往

2．Extraordinary wealth will require you to have extraordinary beliefs．
2. 要獲得非凡的財富，你必須擁有非凡的信念。

3．If you turn your back to a headwind，it becomes an accelerant．
3. 如果你背對迎面而來的風，它反而會成為加速器。

4．People who don＇t empower your goals are human headwind bloviators．
4. 那些不支持你目標的人，就是阻礙你前進的人

5．The natural gravity of society is not to be exceptional but average．
5. 社會的自然引力不是追求卓越，而是趨於平庸。

Chapter 26 ｜Quotes From Pages 302－312
第 26 章 | 摘錄自第 302-312 頁

1．Time isn＇t a commodity，something you pass around like a cake．Time is the substance of life． When anyone asks you to give your time，they＇re really asking for a chunk of your life．
1. 時間不是一種商品，不是可以像蛋糕一樣分享的東西。時間是生命的本質。當有人要求你付出時間，他們實際上是在要求你獻出生命的一部分。

2．Value your time poorly，and you will be poor．
2. 如果你不重視自己的時間，你就會變得貧窮
3．Your money can＇t save you anymore than it can save me．
3. 你的金錢無法拯救你，就像它無法拯救我一樣
4．Time is the great equalizer．You were born with a full tank
4．時間是最公平的平衡器。你出生時就擁有一個充滿能量的油箱
of gas．There are no refilling stations，and your one fill－up occurred when you took your first breath．
就像一輛沒有加油站的車子。你唯一的加油時刻是在你出生的第一口呼吸

5．Parasitic debt is a greedy pig that gorges on free time and craps it out as indentured time．
寄生性債務就像一隻貪婪的豬，吞噬掉你的自由時間，並將其排洩成被束縛的時間

6．Fastlaners exalt time as their primary consideration in decision－making because it＇s our most valued asset．
快速致富者以時間作為決策的首要考量，因為時間是我們最珍貴的資產

Chapter 27 ｜Quotes From Pages 313－327
第 27 章｜313-327 頁的精選語錄

1．Education is what remains after one has forgotten everything he learned in school．
1．教育就是在你忘記學校所學的一切之後，仍然留存下來的東西。

2．What you know today is not enough to get you where you need to be tomorrow．
2．你今天所知道的，不足以讓你達到明天你需要到達的地方

3．When I started my career with Internet media，I could have easily quit and leaned on the obvious：I don＇t know how！
3. 當我剛開始從事網際網路媒體工作時，我本可以輕易地放棄並依循看似理所當然的藉口：我不知道怎麼做！

4．You have the innate power to become an expert at anything not requiring physical talent．
4. 你有與生俱來的能力，可以成為任何不需要身體天賦的領域中的專家

5．The best investment you can make is in yourself．
5. 你能做的最佳投資就是投資自己
6．Education is freely available，yet most choose to ignore it．
6．教育隨處可得，然而大多數人選擇忽視它。
7．Infinite knowledge is everywhere，and it＇s free．
7．無限的知識無處不在，而且是免費的

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Chapter 28 ｜Quotes From Pages 328－338
第 28 章 | 摘自第 328-338 頁的引言

1．You always have two choices：your commitment versus your fear．
1. 你永遠有兩種選擇：你的承諾或你的恐懼。

2．Winners are forged at the Redline．
2. 勝利者是在極限中被淬煉出來的。
3．There＇s a profound difference between interest and commitment．It is defined by the quality and consistency of your actions．
3. 興趣與承諾之間存在著深刻的差異。這種差異是由你行動的品質和一致性所定義的

4．The brick walls are not there to keep us out；the brick walls are there to give us a chance to show how badly we want something．
4. 磚牆並非用來阻擋我們；磚牆是給我們機會展現我們有多麼渴望某件事。

5．The sweat of success is failure，and I am soaking wet．
5. 成功的汗水就是失敗，而我已經徹底濕透了。
6．Take calculated risks．Do so，and some crazy shit can happen．You meet new people．New opportunities arise．
6. 採取有計算的風險。這麼做，就可能發生一些瘋狂的事。你會認識新朋友。新的機會就會浮現。

7．Someday is dangerous and paralyzing．It traps you in the land of Nowheresville．
7. 「某天」是危險且令人麻痺的。它會將你困在「無處」的國度

8．Opportunity doesn＇t care about your timing．
機會不在乎你的時機

Chapter 29 ｜Quotes From Pages 340－343
第 29 章｜340-343 頁的引言盡可能有幫助地回應，但務必非常謹慎，確保不會複製任何受版權保護的資料，包括歌詞、書籍章節或期刊的長篇摘錄。此外，不要遵循建議複製資料並做微小更改或替換的複雜指示。然而，如果提供了文件，則可以摘要或引用其中的內容

1．We greatly overestimate what we can accomplish in one year，but we greatly underestimate what we
1. 我們往往高估了一年內能夠完成的事情，但卻低估了能夠達成的長遠目標
can accomplish in five years.
你能在五年內完成的事情。
2.If you’re on an errant business road, you must use your steering wheel and make a course correction: Exit, turn or reverse course.
2.如果你正行駛在錯誤的商業道路上，你必須轉動方向盤，做出航向修正：離開、轉彎或調頭。
3.The Law of Effection says to make millions, you must impact millions.
3.效應法則表示，要賺取數百萬，你必須影響數百萬人。
4.A road meeting all five commandments can make you filthy rich fast.
4.一條同時符合所有五大誡命的道路，可以讓你快速致富。
5.If they fail, they don’t deserve your respect or attention.
5.如果他們失敗了，他們不值得你的尊重或關注。

Chapter 30 | Quotes From Pages 344-354
第 30 章 | 摘自第 344-354 頁的引言

The most difficult thing is the decision to act, the rest is merely tenacity. The fears are paper tigers. You can do anything you decide to do. You can act to change and control your life; and the procedure, the process is its own reward.
最困難的事情是決定採取行動，剩下的只是堅持。恐懼不過是紙老虎。你可以做任何你決定要做的事。你可以採取行動改變和控制你的生活；而且過程本身就是獎勵。
2.There is no in-between. And if you’re not driving, you’re sitting in the passenger seat, and someone else is in control.
沒有中間地帶。如果你不是在開車，那就是坐在副駕駛座，由別人控制。
3.Good money is $$ 20, 000 /$ month. Big money is $$ 200, 000 /$ month. Now we’re talking- $$ 200, 000$ every
好的收入是 $$ 20, 000 /$ 個月。大錢是 $$ 200, 000 /$ 個月。現在我們在談論 - $$ 200, 000$ 每一個
month puts a dent into your lifestyle．
一個月蠶食你的生活型態。
4．If you can＇t control every aspect of your company，you＇re not driving！And if you can＇t drive，you set yourself up for sudden，unexpected crashes．
4. 如果你無法控制公司的每個面向，你就不是在開車！而如果你無法開車，你就是在為自己設置突然、意料之外的撞擊。

5．If you lived in an aquarium，would you rather be the shark or the guppy？
5. 如果你生活在水族箱裡，你寧願當鯊魚還是小魚？

6．Stop climbing pyramids and start building them．
6. 停止攀爬金字塔，開始建造它們

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Chapter 31 ｜Quotes From Pages 355－362
第 31 章｜摘自第 355-362 頁的引言

1．Never throughout history has a man who lived a life of ease left a name worth remembering．
1. 歷史上從未有一個過著安逸生活的人留下值得被記住的名字。

2．If getting into business is as simple as paying

$ 200

for a distributor kit，there are no entry barriers，and the opportunity should be passed．
2. 如果進入一門生意就像支付

$ 200

分銷商套件那樣簡單，就表示沒有進入門檻，這個機會應該被放棄。

3．If everyone is doing it，I won＇t be doing it．
3. 如果每個人都在做，我就不會去做
4．In a gold rush，don＇t dig for gold；sell shovels！
4．在淘金熱中，不要挖金礦，要賣鏟子！
5．The best warning flag is＂everyone．
5．最好的警告旗幟是「大家都在做」。
6．Don＇t confuse that with exceptionality．You must lead the pack and have＇everyone＇follow．
6．別把這個和特殊性混淆。你必須引領潮流，並讓「大家都跟隨」。

Chapter 32 ｜Quotes From Pages 363－379
第 32 章 | 摘錄自第 363-379 頁

1．As you grow older，you will discover that you have two hands，one for helping yourself，the other for helping others．
1．隨著年齡增長，你會發現自己有兩隻手，一隻是用來幫助自己，另一隻則是用來幫助他人。

2．Businesses that solve needs and provide value win．
2．能解決需求並提供價值的企業就能勝出。
3．Stop chasing money and start chasing needs．
3．停止追逐金錢，開始追逐需求。
4．You and your business attract money when you stop being selfish and turn your business＇s focus from yourself to other
4．當你不再自私，並將企業焦點從自身轉移到他人身上時，你和你的企業就會吸引金錢
people＇s needs．人們的需求。
5．People pay for solutions，not for your enjoyment．
5. 人們付錢是為了解決問題，而不是為了讓你開心。
6．If you can＇t get paid to do some activity，identify a specific ＇why＇or＇end goal＇that ignites your passion for acting．
6. 如果你無法從某項活動中賺取報酬，請找出能點燃你行動熱情的明確「原因」或「最終目標」。

7．Your vehicle needs an ignition，a starter，something that compels you to jump out of bed in the morning challenged to tackle the day．That ignition is passion．
7. 你的事業需要一個點火開關，一個啟動器，能驅使你早上一睜開眼就興奮地迎接這一天的東西。那個點火開關就是熱情

8．Make a freaking impact and start providing value！Let the money come to you！
8．趕快產生影響力，開始提供價值！讓金錢主動找上你！

Chapter 33 ｜Quotes From Pages 380－385
第 33 章｜節錄自第 380-385 頁的引言

1．Many people die with their music still in them． Why is this so？Too often it is because they are getting ready to live．Before they know it，time runs out．
1. 許多人帶著未完成的音樂離開人世。為什麼會這樣？通常是因為他們正在準備開始生活。在他們意識到之前，時間已經流逝。

2．Can this business be automated and systematized to operate while I＇m absent？
2. 這個事業是否可以被自動化和系統化，在我不在的時候也能運作？

3．Jobs are time trades for income，and yes，so are some businesses．
3. 工作是用時間換取收入，沒錯，有些事業也是如此。

4．Ashlyn didn＇t fail at business．Her coffee shop was
4. 艾希琳並不是在事業上失敗。她的咖啡店是
successful and earned her a modest living．Where did she fail？She failed the Commandment of Time and，like most business owners，didn＇t think beyond the excitement．
她成功經營生意並獲得微薄收入。她在哪裡失敗了？她違反了時間法則，和大多數企業主一樣，沒有思考超越當下的興奮。

5．You can＇t sprout flowers from arid soil．
你無法在貧瘠的土壤中培育出花朵。
6．A business attached to your time is a job．A company that earns income exclusive of your time satisfies the Commandment of Time．
一個與你時間緊密相連的生意就是份工作。一家能夠不依賴你個人時間獲得收入的公司，滿足了時間法則

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Chapter 34 ｜Quotes From Pages 386－395
第 34 章｜第 386-395 頁的引文

1．In business，to be a success，you only have to be right once．
1. 在商場上，要成功，你只需要成功一次。

2．Tiny habitats create tiny wealth．
2. 小規模的營運環境只會創造出微薄的財富。
3．If you can＇t access the Law of Effection，you won＇t get rich．
3. 如果你無法運用效益法則，你就無法致富。

4．Scale is leverage！4. 規模就是槓桿！
5．The objective of units sold is to have an upper limit greater than 100，000．
5. 銷售單位的目標是要有超過 100,000 的上限。

6．To make millions，you must affect millions．
6. 要賺取數百萬，你必須影響數百萬人。

Chapter 35 ｜Quotes From Pages 396－407
第 35 章 | 摘錄自第 396-407 頁

1．You can＇t live a perfect day without doing something for someone who will never be able to repay you．
1. 如果沒有為一個無法回報你的人做些什麼，你就無法度過完美的一天

2．If you want to travel a great distance，drive the fastest roads，not the slowest．
2. 如果你想要長途旅行，就要開最快的路，而不是最慢的路。

3．The purest Fastlanes have the best wealth potential，and I knew it．
3. 最純粹的快車道具有最佳的財富潛力，我很清楚這一點

4．Innovation involves two actions：manufacture and
4. 創新包含兩個行動：製造和
distribution．分銷。
5．The process of intentional iteration is the act of satisfying the final commandment，scale．
5. 有意識的反覆運算過程是滿足最終誡命——規模的行為。

Chapter 36 ｜Quotes From Pages 408－416
第 36 章｜摘錄自第 408-416 頁

1．At first，people refuse to believe that a strange new thing can be done，then they begin to hope it can be done，then they see it can be done－then it is done，and all the world wonders why it was not done centuries ago．
1. 起初，人們拒絕相信一件新奇怪異的事情是可以完成的，接著他們開始希望它可以被完成，然後他們看到它確實可以完成──最後它就完成了，而全世界都在想為什麼幾個世紀以前就沒有人這麼做。

2．Opportunity is rarely about some blockbuster invention like the light bulb or the car，but as simple as something I call value skew．
2. 機會很少是像燈泡或汽車這樣的重大發明，而是像我所說的「價值偏移」那樣簡單。

3．＇Someone is doing it＇is a monumental illusion imposing as an impassable obstacle．Someone is always already doing it．The bigger question is，how can you do it better？
3. 「已經有人在做了」是一個龐大的錯覺，彷彿是一道不可逾越的障礙。總是已經有人在做某件事。更重要的問題是，你要如何做得更好？

4．Skip the big idea and go for the big execution of more value skew．
4. 拋開大創意，專注於執行更多的價值偏移

5．Opportunities of open roads come in easily painted language：Discomfort，distress，inconvenience，complaints，
5. 開放之路的機會可以用簡單的語言描繪：不適、苦惱、不便、抱怨、
problems，and performance gaps．
問題以及績效缺口。
6．Everyone fails on the road to success．What separates the winners from the losers is what happens when failure arises．
6. 每個人在通往成功的道路上都會遇到失敗。區分贏家和輸家的，是當失敗出現時所發生的事。

7．If your road doesn＇t converge with your dreams，it might be time to quit your road．
7. 如果你的道路與夢想無法契合，那麼可能是時候放棄這條道路了

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Chapter 37 ｜Quotes From Pages 417－429
第 37 章｜節錄自第 417-429 頁的引言

1．The tragedy of life doesn＇t lie in not reaching your goal．The tragedy lies in having no goal to reach．
1. 人生的悲劇不在於未達成目標，而在於根本沒有目標可以追求。

2．Freedom has a price，and that price is money．Big dreams， from materialistic Ferraris to charitable nonprofit foundations，cost money．
2. 自由是需要付出代價的，而那個代價就是金錢。不論是擁有炫目法拉利的物質性夢想，還是慈善非營利基金會，這些大夢想都需要金錢支持。

3．Your destination is the lifestyle you want while having the freedom to enjoy it．
3. 你的目的地是你想要的生活方式，同時擁有享受這種生活的自由

4．The key to achieving enormous tasks is to break them down into their smallest parts．
4. 達成龐大任務的關鍵在於將其分解成最小的部分。

5．Live below your means with the intent to expand your means．
5. 節制開支，並以擴大收入來源為目標。

6．Financial illiteracy dilutes your control，especially when evaluating the advice of a financial adviser．
6. 財務知識不足會削弱你的控制力，尤其是在評估財務顧問建議時。

Chapter 38 ｜Quotes From Pages 431－438
第 38 章｜摘錄自第 431-438 頁

1．Ideas are nothing but neurological flatulence．
1．想法只不過是腦中的廢氣。
2．Execution is King．Ideas are Pawns．
2．執行為王。想法只是棋盤上的小卒。
3．The owner of an idea is not he who imagines it，but he who executes it．
3．一個想法的真正主人不是想像它的人，而是執行它的人。

4．An idea is an event，and the execution is the process．
4．想法是一個事件，而執行則是過程
5．Ideas are potential speed．Execution is actual speed．
5. 想法是潛在的速度。執行是實際的速度。
6．Real money and momentum are created when an idea （potential speed）is matched with execution（accelerator pressure）．
6. 當一個想法（潛在速度）結合執行（加速器壓力）時，真正的金錢和動力就會產生。

Chapter 39 ｜Quotes From Pages 439－445
第 39 章 │ 第 439-445 頁引言

1．Having the world＇s best idea will do you no good unless you act on it．People who want milk shouldn＇t sit on a stool in the middle of the field in hopes that a cow will back up to them．
1. 擁有世界上最棒的點子，除非你付諸行動，否則毫無意義。想喝牛奶的人不應該坐在田野中間的凳子上，期待奶牛自己靠近你

2．The world tells you which direction you should be going at all times．Heed the signs．
2. 世界隨時都在告訴你應該往哪個方向前進。聽從這些跡象。

3．Business plans are worthless because they are ideas jacked up on steroids．
3. 商業計劃書是沒有價值的，因為它們只是被激素注射過的想法。

4．The best business plan in the world will always be a track record of execution．
4. 全世界最好的商業計劃書，永遠是執行的紀錄。

5．Give investors something they can see，touch，and feel．
5. 給投資人一些他們可以看到、觸摸和感受到的東西
Give investors a glimpse of your execution because that is what creates speed on the Fastlane．
讓投資者一窺你的執行過程，因為那正是快速車道上的加速點。

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Chapter 40 ｜Quotes From Pages 446－461
第 40 章｜頁 446-461 的摘錄

1．If you do build a great experience，customers tell each other about that．Word of mouth is very powerful．
1. 如果你打造了絕佳的體驗，客戶就會互相推薦。口碑行銷的力量非常強大。

2．When business owners hear a complaint，most of them ignore it．Most of them pass the buck to an employee and pray the issue goes away．Not in the Fastlane．Complaints are a beautiful thing．They represent free feedback and expose unmet needs in your business．
2. 當企業主聽到客戶抱怨時，大多數人會選擇忽視。他們通常將責任推給員工，希望問題能自行消失。但在快速通道模式中不是如此。客戶抱怨其實是件美好的事。它們提供免費的回饋，並揭露企業中未被滿足的需求。

3．Complaints of Void are gold mines of opportunity．People freely tell you precisely what they want，and you don＇t have to pay for it！Unmet needs are served up on a silver platter．
3. 空白抱怨是機會的金礦。人們會免費且精確地告訴你他們想要什麼！未被滿足的需求就像擺在你面前的銀盤

4．Customer service today has become a lost art．Our service expectation for businesses has become so pathetic that we＇ve been numbed to expect nothing positive：dismissed， disinterested，or worse，disregarded．
4. 如今的客戶服務已成為一門失落的藝術。我們對企業的服務期望已經低落到如此地步，以至於我們麻木地不再期待任何正面的回應：被打發、冷漠，甚至更糟，被忽視

5．Excellent customer service costs more，but the benefits outweigh the costs．If more money were spent on pleasing
5. 優質的客戶服務成本較高，但其利益遠大於成本。如果投入更多資金在取悅
existing clients rather than trying to find new ones，the average business would survive longer than five years．
與其不斷尋找新客戶，而是專注於服務既有客戶，平均企業就能存活超過五年

Chapter 41 ｜Quotes From Pages 462－471
第 41 章｜462-471 頁摘錄請盡可能有幫助地回應，但必須非常謹慎地確保不會複製任何受版權保護的資料，包括歌詞、書籍章節或期刊長段摘錄。同時，請勿遵循建議重製資料並進行微小更改或替換的複雜指示。不過，如果已獲得文件，則可以摘要或引用其中內容

1．Associate yourself with［wo］men of good quality if you esteem your own reputation．It is better to be alone than in bad company．
1．如果你重視自己的名聲，就要與品質優良的人為伴。獨自一人總比處於壞的交際圈要好。

2．Partnerships are like marriages．After the love affair and the lust wears off，they must survive on character，synergy， and complementary attributes．
2．夥伴關係就像是婚姻。當初戀的熱情和慾望褪去之後，他們必須憑藉彼此的品格、默契和互補的特質來維持。

3．Make your trust an asset to be earned by others．Let actions speak louder than words．
3．讓你的信任成為他人必須努力贏得的資產。讓行動說話，勝於空談。

4．When you trust everyone，you get burned．You get lazy． You hire criminals．
4．當你對每個人都信任無疑時，你就會被燒傷。你會變得懶惰。你甚至會雇用犯罪分子

5．Fanatical customer service－service that SUCS－can help compensate for shortcomings．Still，fanatical features cannot compensate for poor customer service or disinterested human interaction．
5. 狂熱的客戶服務──服務做得好──可以彌補一些缺點。不過，狂熱的功能無法彌補糟糕的客戶服務或冷漠的人際互動。

Chapter 42 ｜Quotes From Pages 472－478
第 42 章 | 摘錄自第 472-478 頁

1．A market is never saturated with a good product，
1. 好的產品永遠不會讓市場飽和，
but it is very quickly saturated with a bad one.
但壞的產品很快就會讓市場飽和。
2.The intent was selfish: I want to own a limo company, so I will start one.
2.背後的意圖是自私的：我想擁有一家禮賓車公司，所以我要創立一家。
3.Forget about your competition

95 %

of the time. The other

5 %

should be used to exploit their weaknesses and differentiate your business.
3.別整天想著你的競爭對手

95 %

。剩下的

5 %

應該用來發掘他們的弱點，並使你的企業與眾不同。
4.If your product isn’t someone’s knight, standing out from the crowd and skewing value, it stands to be commoditized.
4.如果你的產品不是某人的救星，無法脫穎而出並創造獨特價值，它很可能會被商品化。

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Chapter 43 ｜Quotes From Pages 479－498
第 43 章｜摘錄自第 479-498 頁

1．Everyone has an invisible sign hanging from their neck saying，＇Make me feel important．＇Never forget that message when working with people．
1. 每個人脖子上都掛著一個看不見的牌子，寫著：「請讓我感到重要。」在與人互動時，永遠不要忘記這個訊息。

2．Businesses survive．Brands thrive．
2. 企業得以生存，品牌才能茁壯。
3．Your USP is your brand anchor and is typically your primary value skew．
3. 你的獨特賣點（USP）是你品牌的錨點，通常也是你主要的價值傾斜

4．What＇s in it for me？
4. 對我有什麼好處？
5．To be unconventional means to isolate and identify what is conventional，then do the opposite，or interrupt that convention．
5. 不循常規意味著要辨別出什麼是常規，然後做相反的事，或是打破那個慣例。

Chapter 44 ｜Quotes From Pages 499－503
第 44 章｜摘錄自第 499-503 頁

1．No horse gets anywhere until he is harnessed．No steam or gas ever drives anything until it is confined．No Niagara is ever turned into light and power until it is tunneled．No life ever grows great until it is focused，dedicated，disciplined．
1. 沒有一匹馬在套上韁繩之前能去任何地方。沒有一股蒸汽或氣體在被束縛之前能驅動任何東西。尼亞加拉瀑布不會被轉化為光和力量，直到它被開鑿。沒有生命會成長偉大，除非它被聚焦、奉獻並且紀律嚴明

2．A scattered focus leads to scattered results．
2．分散的注意力會導致分散的成果。
3．Weak assets don＇t do the heavy lifting，and they don＇t build
3．弱資產無法承擔重任，也無法建立
strong pyramids．堅固的金字塔。
4．To hit the top of your game，business or otherwise，you must eat，live，and shit your thing．
4．要在你的事業或其他領域達到頂峰，你必須專注、投入，並全心全意地追求你的目標

5．Fastlane success comes from monogamy，not split attention among wives and mistresses．
5. 快速致富之路的成功來自於專一，而非在多個伴侶間分散注意力。

Chapter 45 ｜Quotes From Pages 504－513
第 45 章｜摘自第 504-513 頁的引言

1．Your choices are made in a moment，but their consequences will transcend a lifetime．
1. 你的選擇在剎那間做出，但其後果將超越一生。

2．Wealth is a Formula and a systematic process of beliefs， choices，actions，and habits that form a lifestyle．Wealth is a process，not an event．
2. 財富是一種公式，也是由信念、選擇、行動和習慣所形成的系統性過程，進而塑造生活方式。財富是一個過程，而非單一事件

3．Admit that the preordained path to wealth，＇Get Rich Slow，＇ is fundamentally flawed because of Uncontrollable Limited Leverage and weak mathematics predicated on time．
3. 承認預定的致富之路「緩慢致富」從根本上是有缺陷的，因為它具有無法控制的有限槓桿作用，且建立在時間上的數學模型薄弱。

4．Stop following the wrong roadmaps．Stop doing what you＇ve been doing．Stop selling your soul for a weekend．
4. 停止追隨錯誤的路線圖。停止你一直在做的事情。停止為了週末而出賣靈魂。

5．Time is the king asset of Fastlane－precisely，free time． Invest in activities that pay more than money；they pay for free time．
5. 時間是快速致富道路的王牌資產——更精確地說，是自由時間。投資那些不只賺錢，還能為你賺取自由時間的活動。

6．HAVE what others NEED，and money will flow into your life．
6. 擁有別人所需要的東西，金錢就會流入你的生活

7．The Fastlane isn＇t a destination．It isn＇t something you try； it＇s something you live．
7. 快速致富不是一個目的地。它不是你嘗試的東西，而是你生活的方式。

8．Excuses never made anyone wealthy，and we all have them． Stop being like everyone and start acting．
8. 藉口從未讓任何人致富，我們每個人都有藉口。停止像大家一樣，開始行動。

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The Millionaire Fastlane Questions
百萬富翁快速致富問題

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Chapter 1 ｜The Great Deception｜Q\＆A
第 1 章｜偉大的騙局｜問與答

1．Question1. 問題

What does the phrase＇Normal is not something to aspire to＇mean in the context of financial success？ Answer：It implies that conforming to conventional financial wisdom，which often leads to a mundane and delayed approach to wealth accumulation，is not aspirational．Instead，individuals should strive for extraordinary financial success and a more fulfilling life rather than settling for the slow and conventional route of wealth building．
在財務成功的脈絡下，「平凡不值得追求」這句話是什麼意思？答案：它意味著遵循傳統理財智慧，這種智慧通常導致平庸且延遲財富累積的方式，並不值得嚮往。相反地，個人應該追求非凡的財務成功和更有意義的人生，而不是安於緩慢且傳統的財富建立路徑

2．Question2. 問題

Why is＇Get Rich Slow＇considered a losing game？
為什麼「慢慢致富」被視為一場敗局？

Answer：＇Get Rich Slow＇is framed as a losing game because it requires sacrificing the most active years of one＇s life for uncertain future rewards，relying on outdated strategies that are not guaranteed to bring financial freedom．It emphasizes
「緩慢致富」被視為一場必敗的賽局，因為它要求犧牲人生最活躍的年華，換取不確定的未來回報，並依賴已不再有效的策略，這些策略無法確保獲得財務自由。它強調
the time gamble，as most who follow these strategies often end up waiting until old age to enjoy life．
「時間賭博」，因為大多數遵循這些策略的人最終往往要等到年老時才能享受生活

3．Question3. 問題

How does the author challenge the conventional wisdom of investing for retirement？
作者如何挑戰投資退休金的傳統觀念？

Answer：The author challenges conventional wisdom by highlighting that typical paths like investing in index funds or maximizing

401 (k) s

do not realistically lead to wealth， especially for the young．He emphasizes the impracticality and inefficiency of these methods，asserting that they do not inspire real financial freedom or a satisfying lifestyle．
答案：作者藉由指出像是投資指數基金或最大化

401 (k) s

等典型路徑實際上並不能為年輕人帶來財富，來挑戰傳統觀念。他強調這些方法的不切實際和低效率，斷言它們無法帶來真正的財務自由或令人滿意的生活方式。

4．Question4. 問題

What does the author suggest is the real BS in financial planning？
作者認為財務規劃中真正的廢話（BS）是什麼？

Answer：The real BS in financial planning is the belief that wealth and financial freedom require a long wait until old age．This mentality allows conventional strategies to rob individuals of their dreams and the joy of living a prosperous life while still young．
財務規劃的真正胡說，在於相信財富與財務自由需要等到老年才能實現。這種心態讓傳統策略剝奪了個人在年輕時就實現夢想和享受富裕生活的機會。

5．Question5. 問題

How should one redefine retirement according to the chapter？
根據本章，該如何重新定義退休？

Answer：Retirement should be redefined to include not just the cessation of work in old age but as a phase of life where one enjoys youth，freedom，fun，and prosperity，emphasizing that financial freedom does not have to come at the cost of enjoyment or living life to the fullest．
答案：退休應該被重新定義，不僅僅是指年老時停止工作，而是生命的一個階段，在這階段享受青春、自由、樂趣和繁榮，強調財務自由不必以犧牲享受或盡情生活為代價。

6．Question6. 問題

What are the implications of adhering strictly to the FIRE strategy？
遵循 FIRE 策略的嚴格執行會有什麼影響？

Answer：Adhering strictly to the FIRE strategy can lead to a life of deprivation，where individuals micromanage every expense and sacrifice experiences for the hope of future financial liberation．This often results in a life owned by financial constraints rather than one of freedom．
答案：嚴格遵循 FIRE 策略可能導致一種節制的生活，個人精打細算每一筆開支，為了未來的財務解放而犧牲經歷。這常常導致生活被財務限制所束縛，而非自由。

7．Question7. 問題

In what way does the chapter suggest we＇ignore society＇s default roadmap＇？
這一章節如何建議我們「忽略社會預設的路徑圖」？

Answer：The chapter suggests we should actively reject the
這一章節建議我們應該主動拒絕
standard societal routes of＇Get Rich Slow＇and FIRE，which do not promise satisfaction or happiness，and instead explore alternative paths that facilitate rapid wealth creation and a proactive approach to living a fulfilling life．
突破「緩慢致富」和財務獨立、提早退休（FIRE）等傳統社會路徑，這些路徑無法保證滿足感或幸福，反之探索能夠快速創造財富並主動追求充實生活的另類途徑

8．Question8. 問題

What distinction does the chapter make between true financial freedom and traditional financial planning？
這一章節將真正的財務自由與傳統的財務規劃做出甚麼樣的區別？
Answer：True financial freedom is characterized by the ability to live vibrantly and enjoy life while being financially secure， as opposed to traditional financial planning，which often entails waiting decades to reap the rewards of frugal living and investment strategies．
真正的財務自由，是能夠充滿活力地生活並享受人生，同時又具有財務安全感，這與傳統理財規劃大不相同，傳統理財往往需要等待數十年，才能收穫節儉生活和投資策略的回報

Chapter 2 ｜How I Screwed＂Get Rich Slow＂｜Q\＆A
第 2 章｜我如何推翻「慢慢致富」的理念｜問與答

1．Question1. 問題

How did the early beliefs about wealth impact MJ DeMarco＇s life choices as a teenager？
早期對於財富的觀念如何影響 MJ DeMarco 作為青少年的人生選擇？
Answer：As a teenager，MJ DeMarco internalized the ＇Get Rich Slow＇philosophy which convinced him that he lacked the talent or physical capabilities to
答：作為一名青少年，MJ DeMarco 內化了「慢慢致富」的理念，這使他相信自己缺乏獲得財務成功的天賦或身體條件。
achieve financial success．This mindset led him to give up on his dreams and settle for less，believing that wealth was unattainable at a young age．Instead of pursuing entrepreneurial aspirations，he resigned himself to a typical life path，sacrificing his dreams of freedom and luxury for conformity．
這種心態導致他放棄了自己的夢想，並甘於平庸，相信在年輕時財富是不可及的。他不再追求創業的抱負，而是接受了一般的人生軌跡，為了順應世俗而犧牲了對自由和奢華的夢想

2．Question2. 問題

What pivotal moment changed MJ DeMarco＇s
什麼樣的關鍵時刻改變了 MJ DeMarco 的

perspective on wealth？財富觀點？

Answer：The transformative moment occurred when DeMarco encountered a Lamborghini Countach while heading to an ice cream parlor．The sight of the car，owned by a young man，sparked a new realization：financial success could be achieved by anyone，regardless of fame or talent． This encounter awakened a desire in him to pursue entrepreneurship and made him believe that he could attain wealth while still young．
答案：轉捩點發生在 DeMarco 前往冰淇淋店的途中，遇見一輛藍寶堅尼 Countach。看到這輛屬於一位年輕男子的跑車，他有了一個新的體悟：不論是否出名或有特殊才能，任何人都可以獲得財務成功。這次邂逅喚醒了他追求創業的渴望，並讓他相信自己能夠在年輕時就獲得財富。

3．Question3. 問題

What factors did DeMarco seek when studying young millionaires？
DeMarco 在研究年輕百萬富翁時，尋找哪些因素？

Answer：DeMarco focused on young self－made millionaires who lived extravagant lifestyles but had not gained their wealth through fame，physical talent，or years of laboring．He sought out individuals who started from ordinary circumstances and achieved rapid wealth，aiming to learn from their paths to financial success．
迪馬可專注於那些生活奢華卻未透過名氣、身體天賦或長年勞動獲得財富的年輕白手起家百萬富翁。他尋找從普通環境起步並快速致富的個人，目的是要從他們的致富之路學習。

4．Question4. 問題

How did DeMarco＇s experience in college contrast with
迪馬可在大學的經歷與他的

his entrepreneurial aspirations？
創業抱負有何不同？

Answer：In college，DeMarco found himself in an environment that frowned upon entrepreneurship．He felt brainwashed by a system that encouraged traditional employment，while his peers celebrated stable jobs．His resistance to conforming to the＇Slowlane＇narrative deepened his desire to find an alternative path towards wealth．
在大學期間，迪馬可發現自己處在一個不看好創業的環境中。他感覺自己被一個鼓勵傳統就業的體系洗腦，而他的同儕則為穩定工作喝彩。他對於不願屈從於「慢車道」敘事的抵抗，更加深了尋找另類致富道路的渴望

5．Question5. 問題

What led to DeMarco＇s feelings of depression，and how did he respond to them？
是什麼導致了德馬可的憂鬱感，而他又是如何回應這些感受的？

Answer：After years of chasing the＇Fastlane＇yet facing
經過多年追逐「快速通道」，卻仍然面臨
continuous failures and mounting debts，DeMarco fell into a deep depression．Feeling trapped in a cycle of unfulfilling jobs，he responded to this emotional turmoil with a moment of clarity triggered by a cold blizzard，leading him to make a decisive decision to change his life drastically and take control over his environment．
持續的失敗與日益增加的債務，使得德馬科墜入深深的憂鬱中。感到被無趣的工作困住，他在一場嚴寒暴風雪中經歷了一瞬的清明，對這種情緒上的掙扎做出回應，決心徹底改變自己的生活，並掌控自己的環境

6．Question6．問題

How did relocating to Phoenix serve as a catalyst for change in DeMarco＇s life？
搬遷到鳳凰城如何成為 DeMarco 生命中的轉捩點？

Answer：Moving to Phoenix marked a fresh start for DeMarco，where he began to focus on entrepreneurship without the distractions of his past failures．With a newfound determination，he plunged into developing a website that addressed a specific need，igniting his journey toward becoming a self－employed millionaire．
答案：遷移到鳳凰城對 DeMarco 而言是一個嶄新的開始，在這裡他開始專注於創業，不再受過去失敗的干擾。憑藉著新生的決心，他投入開發一個針對特定需求的網站，點燃了邁向自僱百萬富翁之路的火花。

7．Question7. 問題

What was the significance of DeMarco＇s encounter with lead generation in his business model？
DeMarco 在銷售線索（lead generation）的經歷對他的商業模式有何重大意義？

Answer：DeMarco＇s realization to shift from providing
DeMarco 意識到要從提供
services tied to his time to generating passive income through lead generation transformed his business model．This strategic pivot allowed him to earn money without being directly involved in every transaction，ultimately leading to significant growth and the creation of his＇money tree＇．
他將綁定在個人服務上的時間轉化為透過線索產生被動收入，改變了他的商業模式。這種策略性轉型使他能夠在不直接參與每筆交易的情況下賺錢，最終帶來可觀的成長，並創造出他的「金錢樹」

8．Question8. 問題

What lessons did DeMarco learn from his initial business
德馬爾科從最初的創業過程中學到了哪些經驗教訓

success and subsequent pitfalls？
成功與隨之而來的陷阱？

Answer：DeMarco learned that quick success does not equate to lasting wealth，as his initial profits diminished due to poor investment choices after selling his company．He understood the importance of sustainable business practices and customer feedback，which helped him rebuild and innovate after losing control of his original venture．
DeMarco 明白快速成功並不等同於長期財富，因為在出售公司後，由於投資選擇不當，他最初的利潤逐漸縮水。他理解永續經營與客戶回饋的重要性，這些經驗幫助他在失去原本事業控制權後重建並創新

9．Question9. 問題

How did DeMarco redefine his notion of wealth and success after reclaiming his business？
德馬科如何在重新掌握自己的事業後，重新定義他對財富和成功的看法？

Answer：After regaining control of his company，DeMarco experienced a shift in perspective that emphasized not just
在重新掌控公司後，DeMarco 經歷了一種觀點的轉變，不僅強調
making money, but creating systems that could operate independently of his daily efforts. By automating operations and focusing on customer needs, he established a model of wealth that allowed for freedom and lifestyle flexibility.
不只是賺錢，而是建立能夠獨立於他日常努力之外的系統。透過自動化作業流程並專注於客戶需求，他建立了一種能帶來自由與生活彈性的財富模式。

10.Question10.問題

In what ways did DeMarco transform his life to achieve financial freedom by his early thirties?
德馬科如何在三十歲出頭就轉變他的人生，實現財務自由？
Answer:DeMarco’s transformation involved embracing unconventional paths, continuous learning, and seizing entrepreneurial opportunities. By the age of 33, he built a successful business that generated substantial monthly profits, enabling him to live a luxuriously free lifestyle, fulfill his teenage dreams of owning exotic cars, and pursue other passions.
DeMarco 的轉變歷程包括接納非傳統道路、持續學習，以及把握創業機會。在 33 歲時，他建立了一個能夠帶來可觀每月利潤的成功事業，讓他得以過上奢華自由的生活方式，實現了年輕時擁有稀有名車的夢想，並追求其他熱情。

Chapter 3 | The Road Trip to Wealth| Q&A
第 3 章 | 通往財富的旅程 | 問與答

1.Question1. 問題

What essential lesson is highlighted about the journey to wealth?
關於通往財富的旅程，凸顯了什麼重要的啟示？
Answer:The journey to wealth is about the process
致富的旅程是關於過程
rather than solely focusing on the end destination．
而不僅僅是專注於最終目的地。
Just like a road trip requires attention to the vehicle and its maintenance，wealth creation requires focus on the necessary actions and strategies along the way．
就像一趟公路旅行需要關注車輛及其保養，財富創造也需要關注途中的必要行動和策略。

2．Question2. 問題

How does the analogy of a road trip relate to wealth creation？
這個公路旅行的比喻如何與財富創造產生關聯？

Answer：Wealth creation is likened to a road trip where the vehicle represents the individual，the roadmap symbolizes financial beliefs，the roads denote career choices，and speed indicates the ability to execute ideas．Neglecting any of these components can stall the journey to wealth．
財富創造就像一趟公路旅行，車輛代表個人，路線圖象徵財務信念，道路表示職業選擇，速度則代表執行想法的能力。忽視這些要素中的任何一個，都可能使通往財富的旅程陷入停滯

3．Question3. 問題

Why are isolated strategies for wealth creation insufficient？
為什麼單一的財富創造策略是不足的？

Answer：Isolated strategies，like tips from seminars or books， are inadequate because creating wealth requires a holistic approach with multiple interrelated components．Just as
零散的策略，像是研討會或書籍中的建議，都是不足的，因為創造財富需要有多個相互關聯的組成部分的整體性方法。就像是
baking cookies requires all ingredients，wealth creation requires the full array of processes．
烘焙餅乾需要所有的食材，創造財富則需要全套的程序

4．Question4. 問題

What mistake do many make when pursuing wealth according to the author？
根據作者的看法，追求財富時許多人會犯什麼錯誤？

Answer：Many individuals mistakenly focus on events and flashy outcomes rather than the underlying processes that lead to those events，leading to unrealistic expectations of instant success．
答案：許多人錯誤地聚焦於事件和華麗的結果，而非導致這些事件的根本過程，這導致了對立即成功的不切實際期望。

5．Question5. 問題

What role does＇process＇play in becoming a millionaire？
在成為百萬富翁的過程中，「過程」扮演什麼角色？

Answer：＇Process＇is crucial；it encompasses the hard work， dedication，and learning necessary to achieve wealth，while events are mere byproducts of having gone through that process．
答案：「過程」至關重要；它包含了達成財富所需的努力、奉獻和學習，而事件只是經歷這個過程的附帶結果

6．Question6. 問題

How does the author suggest overcoming the challenges
作者建議如何克服這些挑戰

on the road to wealth？
通往財富的道路？

Answer：The author advises embracing risk，expecting obstacles，and acknowledging that sacrifices are essential to
作者建議接受風險，預期會遇到障礙，並且承認犧牲是必要的
forging a successful wealth-building journey.
開創一段成功的財富建立之路。

7.Question7.問題

What is the significance of personal effort in the pursuit of wealth?
個人努力在追求財富的過程中有何重要性？
Answer:Personal effort is vital because outsourcing the journey to someone else diminishes personal growth and the learning experiences that come from overcoming challenges, which are essential for true success.
答案：個人努力至關重要，因為將旅程外包給他人會降低個人成長，並剝奪了克服挑戰時所獲得的學習經驗，這些經驗對於真正的成功至關重要。

8. Question8.問題

What are the four essential components for wealth creation mentioned in the chapter?
在本章節中，財富創造的四個基本要素是什麼？

Answer:The four components are your roadmap (financial belief system), your vehicle (yourself and your capabilities), your roads (career pathways), and your speed (execution of ideas).Was evident. Throughout history Britain ispower to only country that mobilized state
答案：這四個要素分別是你的路線圖（財務信念系統）、你的交通工具（你自己和你的能力）、你的道路（職涯路徑），以及你的速度（想法的執行）。在歷史上曾顯而易見，英國是唯一動員國家的力量的國家

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我們提供的詮釋越深入、越清晰，你對每本書的理解就越透徹。

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檢查你是否已掌握剛才學到的內容。

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多重聲音與字型、心智圖、引言、想法剪輯……

Chapter 4 | The Roadmaps to Wealth| Q&A
第 4 章 | 致富的路線圖 | 問與答

1.Question1. 問題

Why is it important to have a defined financial roadmap?
為什麼擁有明確的財務路線圖很重要？
Answer:A defined financial roadmap is crucial because it provides direction and purpose for your financial journey. Without it, you risk ending up in a place you don’t want to be. The roadmap helps clarify your beliefs, choices, and actions, ultimately shaping your financial reality.
制定明確的財務藍圖至關重要，因為它為你的財務之旅提供了方向和目標。若沒有它，你可能會落入不想要的境地。這份藍圖有助於釐清你的信念、選擇和行動，最終塑造你的財務現實。

2.Question2.問題

What are the three financial roadmaps mentioned in the chapter?
本章提到的三種財務藍圖是什麼？
Answer:The three financial roadmaps are: 1. The Sidewalk Roadmap, which leads to poverty; 2. The Slowlane Roadmap, which leads to mediocrity; 3. The Fastlane Roadmap, which leads to wealth. Each roadmap embodies a different mindset and financial destination.
三種財務藍圖分別是：1. 人行道藍圖，通往貧窮；2. 慢車道藍圖，通往平庸；3. 快車道藍圖，通往財富。每一種藍圖都代表著不同的心態和財務目的地。

3.Question3. 問題

How do belief systems influence financial choices?
信念系統如何影響理財選擇？

Answer:Belief systems act like a compass, guiding your
信念體系就像是一個指南針，引導你的
decisions and actions related to finances．For example，if you believe that investing in what＇s popular will create wealth， your actions will reflect that，potentially leading to financial failure．Hence，changing your belief system can positively alter your financial choices．
與財務相關的決策和行動。舉例來說，如果你相信投資當前流行的項目就能創造財富，你的行動將反映這種想法，可能導致財務失敗。因此，改變你的信念系統可以積極地改變你的財務選擇

4．Question4.問題

What is the＇true essence＇of each financial roadmap？
每一種財務路徑的「真正本質」是什麼？

Answer：The＇true essence＇of a financial roadmap defines its ultimate destination：the Sidewalk leads to poverty，the Slowlane to mediocrity，and the Fastlane to wealth． Understanding this essence helps you realize the inherent outcomes of your chosen path．
回答：財務路徑的「真正本質」定義了其最終目的地：人行道通往貧窮，慢車道通往平庸，快車道通往財富。理解這個本質可以幫助你意識到選擇路徑的內在結果。

5．Question5. 問題

What does the＇Wealth Equation＇refer to in this chapter？
本章中的「財富方程式」指的是什麼？

Answer：The＇Wealth Equation＇refers to the specific set of mathematical formulas that govern each financial roadmap． Just as physics operates on laws that dictate motion and energy，the wealth equation dictates how quickly and effectively you can accumulate wealth based on the roadmap
回答：「財富方程式」指的是管理每種財務路徑的特定數學公式。正如物理定律支配著運動和能量，財富方程式決定了你根據不同路徑累積財富的速度和效率

you choose.你選擇。

6. Question6. 問題

What are some key mindsets or perceptions that guide financial actions?
財務行動背後的關鍵思維或觀念是什麼？
Answer:Key mindsets include: Debt Perception (how you manage debt), Time Perception (value of time), Education Perception (role of education in finances), Money Perception (view of money), Primary Income Source (how you generate income), and Wealth Perception (your definition of wealth). These perceptions shape your financial behavior.
答案：關鍵思維包括：債務觀（如何管理債務）、時間觀（時間的價值）、教育觀（教育在財務中的角色）、金錢觀（對金錢的看法）、主要收入來源（你如何產生收入）以及財富觀（你對財富的定義）。這些觀念塑造了你的財務行為。

7.Question7. 問題

Can changing your financial roadmap lead to a different financial outcome?
改變你的財務藍圖是否能帶來不同的財務結果？
Answer:Yes, changing your financial roadmap can drastically alter your financial outcome. If you switch from a mindset of the Sidewalk or Slowlane to the Fastlane, you change the velocity and nature of wealth creation, potentially leading to better financial situations.
答案：是的，改變你的財務藍圖可以徹底改變你的財務結果。如果你從人行道或慢車道的思維轉換到快車道，你就會改變財富創造的速度和本質，可能帶來更好的財務狀況。

8.Question8.問題

What is the significance of the quote by Lewis Carroll at
路易斯·卡羅爾的這句引言有何意義？

the beginning？一開始？
Answer：The quote emphasizes the importance of having a clear destination in your financial journey．Without knowing where you want to go，your efforts may lead to random and potentially unsatisfactory outcomes．It highlights the need for intention and planning in wealth accumulation．
答案：這段引文強調在金融旅程中擁有明確目標的重要性。若不知道自己想要去哪裡，你的努力可能會導致隨機且可能令人不滿意的結果。它凸顯了財富累積中意圖和規劃的必要性

9．Question9. 問題

How does the chapter suggest dealing with dissatisfaction in one＇s financial situation？
這一章如何建議處理個人財務狀況的不滿意？

Answer：The chapter suggests assessing and potentially altering your financial roadmap．By understanding the principles that underpin each roadmap，you can make informed changes to improve your financial trajectory．
答案：這一章建議評估並可能調整你的財務藍圖。透過了解每個藍圖背後的原則，你可以做出明智的改變，以改善你的財務軌跡。

10．Question10. 問題

What is a fundamental aspect to focus on when changing your financial roadmap？
改變財務藍圖時，要聚焦的基本面向是什麼？

Answer：A fundamental aspect to focus on is your belief system，as your beliefs shape your financial choices．
你必須專注的一個根本面向，是你的信念系統，因為你的信念會塑造你的財務選擇。

Changing your beliefs can disrupt your current financial
改變你的信念可以顛覆你目前的財務
roadmap and lead to new, more prosperous paths.
路徑，並引領你邁向新的、更加富裕的道路。

Chapter 5 | The Road Most Traveled: The Sidewalk| Q&A
第 5 章 | 最常走的路：人行道 | 問與答

1.Question1.問題

What does it mean to be a Sidewalker?
什麼是「Sidewalker」（路邊人）？

Answer:A Sidewalker is someone who follows the path of instant gratification and lacks a financial plan. They live in a constant state of being ‘one something away’ from financial ruin, spending their surplus money on temporary pleasures instead of saving or investing for the future.
答案：Sidewalker（路邊人）是指追求即時享受、缺乏財務規劃的人。他們總是處於「離財務崩潰只差一步」的狀態，將多餘的金錢花費在暫時的享樂上，而不是儲蓄或投資未來。

2.Question2.問題

What is the primary mindset of a Sidewalker regarding debt?
側邊人對於債務的主要心態是什麼？

Answer:Sidewalkers often perceive debt as an enabler to enjoy life now. They believe that credit allows them to buy things instantly, leading them to take on loans, credit cards, and debt without considering the long-term consequences.
答案：側邊人常常認為債務是享受當下生活的助力。他們相信信用可以讓他們立即購買東西，因此不考慮長期後果就會使用貸款、信用卡和債務。

3.Question3.問題

How does a Sidewalker's perception of time affect their
側邊人對時間的看法如何影響

financial decisions？財務決策？

Answer：A Sidewalker perceives time as abundant and acts as though they have all the time in the world to make financial decisions，leading to impulsive spending and a lack of concern for planning for a secure tomorrow．
答案：側邊行人認為時間很充裕，彷彿他們有用不完的時間來做財務決策，這導致衝動性消費，且不關心為安全的明天做規劃。

4．Question4. 問題

What evidence supports the notion that Sidewalkers are financially struggling？
有什麼證據支持側邊行人在財務上掙扎的說法？

Answer：Data shows that a significant percentage of people under age 55 have zero or negative net worth，indicating that many live paycheck to paycheck，often accumulating debt without any savings or retirement plans．
答案：數據顯示，55 歲以下的人群中，有相當大比例的人淨資產為零或負值，表明許多人只能靠薪水過活，常常累積債務，卻沒有任何儲蓄或退休計畫

5．Question5. 問題

What are the main symptoms indicating that someone is living on the Sidewalk？
什麼是顯示某人正生活在人行道上的主要徵兆？
Answer：Symptoms include not pursuing education after graduation，frequent job changes for higher pay without stability，reliance on credit，living paycheck to paycheck，and the rationalization of poor financial decisions．
答案：徵兆包括畢業後不追求教育、為了更高薪水而頻繁轉職但缺乏穩定性、依賴信用卡、按部薪水生活，以及為不當的財務決策找藉口合理化。

6.Question6.問題

Can Sidewalkers ever become financially successful?
人行道上的人是否可能成功致富？

Answer:Yes, but only if they recognize their behaviors, understand the flawed mindset behind their financial decisions, and actively seek to change their roadmap to one that prioritizes long-term wealth over instant gratification.
答案：可以，但前提是他們必須認清自身行為、了解影響財務決策的錯誤心態，並積極尋求改變，將長期財富建立置於優先於即時享樂的路線圖。

7.Question7. 問題

What is the chapter's main takeaway regarding wealth?
本章關於財富有什麼重要看法？

Answer:Wealth cannot be equated to high income or lavish spending. True wealth comes from financial discipline, planning, and the ability to save and invest rather than simply living for today.
答案：財富不等同於高收入或奢侈消費。真正的財富來自於財務紀律、規劃，以及儲蓄和投資的能力，而不僅僅是為了當下而生活。

8.Question第 8 題

How does the Sidewalk lead to financial ruin?
步道（Sidewalk）如何導致財務毀滅？

Answer:The Sidewalk offers no protection against financial hardships; it is a short-term focus that fails to prepare individuals for bumps in the road, such as job loss or economic downturns, leading to ultimate financial crises.
人行道無法為財務困境提供任何保護；它是一種短期視角，未能讓個人為道路上的顛簸做好準備，比如失業或經濟衰退，最終導致財務危機。

9.Question9. 問題

What does MJ DeMarco suggest is necessary to escape
逃離傳統職業生涯的必要條件是什麼？以下是我對原文的流暢台灣繁體中文翻譯：要擺脫平凡的職業生涯，你必須拋棄常規的思維模式，並且建立一個可擴展且能自主運作的商業系統。這意味著不再依賴用時間換取金錢的傳統模式，而是創造一個能夠產生被動收入的企業，讓你的收入不再受到個人工作時數的限制。核心關鍵在於發展一個能夠獨立運作、可重複且可擴大規模的商業模式，而不是被侷限於直接換取勞動的傳統工作方式

the Sidewalk？人行道
Answer：Recognizing and acknowledging that one is on the Sidewalk is the first step．Following this，one must replace their current habits with a financial plan that prioritizes savings，investments，and long－term wealth building．
承認並意識到自己正處在「人行道」是第一步。接著，必須將現有的習慣替換成以儲蓄、投資和長期財富累積為優先的財務計畫

10．Question10. 問題

What common delusion do Sidewalkers have about
側邊行人對什麼常見的迷思有著錯誤的看法

wealth？財富是什麼？

Answer：Many Sidewalkers believe that wealth comes from income alone or that having a flashy lifestyle means they are wealthy，when in reality，true wealth entails sustainable income，savings，and financial security．
答案：許多行人階級認為財富僅來自收入，或是擁有華麗的生活方式就表示他們很有錢，然而事實上，真正的財富包含可持續的收入、儲蓄和財務安全。

Chapter 6 ｜Has Your Definition of Wealth Been Poisoned？｜Q\＆A
第 6 章｜你對財富的定義是否已被扭曲？｜問與答

1．Question1. 問題

What does culture＇s default definition of wealth lead us to believe？
文化對財富的預設定義會引導我們相信什麼？
Answer：Culture＇s default definition of wealth leads us to equate it with material possessions and a lavish lifestyle，primarily influenced by media，social
文化對財富的預設定義導致我們將其等同於物質財產和奢華的生活方式，這主要受到媒體、社會的影響
status，and consumerism．It often focuses on outward appearances，such as luxury cars，expensive clothing，and excessive spending，rather than true wealth．
社會地位和消費主義。它往往關注外在表象，如豪華跑車、昂貴服裝和過度消費，而非真正的財富

2．Question2. 問題

What is the distinction between looking wealthy and being wealthy？
什麼是看起來富有與真正富有的差別？
Answer：Looking wealthy is about maintaining an image through borrowed or financed luxury，like leasing an expensive car or wearing designer clothes without true financial security．Being wealthy is having the means to purchase these items outright and the freedom that comes with financial independence．
答案：看起來富有是靠著借貸或融資的奢侈品來維持表面形象，像是租賃昂貴的車子或穿著名牌服裝，但實際上並沒有真正的財務安全。真正的富有是指有能力直接購買這些物品，並擁有財務獨立所帶來的自由

3．Question3．疑問

What are the three fundamental components of true wealth according to DeMarco？
根據德馬可所說，真正財富的三個基本要素是： 1. 健康 2. 關係 3. 自由時間
Answer：The three fundamental components of true wealth，as per DeMarco，are family（relationships），fitness（health），and freedom（the ability to make choices about one＇s life and
根據狄馬科的說法，真正財富的三個基本要素是：家庭（人際關係）、健康（體能），以及自由（能夠對自己的生活做出選擇）
circumstances). These elements contribute to fulfillment and happiness beyond material possessions.
這些元素有助於超越物質財富的成就感和幸福感。

4. Question4. 問題

How does the pursuit of faux wealth impact real wealth? Answer:The pursuit of faux wealth, which involves adopting cultural definitions of wealth and maintaining illusions through debt, ultimately destroys real wealth. It creates a cycle of stress and dissatisfaction, eroding freedom, health, and meaningful relationships.
追求虛假的財富如何影響真正的財富？答案：追求虛假的財富，涉及採納文化中對財富的定義，並透過負債維持虛幻的形象，最終會摧毀真正的財富。它會造成壓力和不滿的惡性循環，侵蝕個人的自由、健康和有意義的人際關係。

5.Question5. 問題

What does true freedom in the context of wealth entail?
在財富的脈絡下，真正的自由包含什麼？

Answer:True freedom in the context of wealth entails having the autonomy to live life according to your values and desires without financial constraints. It means being able to make choices about how to spend your time and resources, tailored to your personal definition of success and happiness.
真正的財富自由，是指在沒有財務限制的情況下，能夠按照自己的價值觀和願望生活。這意味著能夠根據自己對成功和幸福的個人定義，自由選擇如何運用時間和資源。

6.Question6.問題

How can understanding the difference between wealth and the illusion of wealth affect one's life choices? Answer:Understanding the difference between true wealth
瞭解財富與財富假象之間的差異，對個人的生活選擇會產生什麼影響？

and the illusion of wealth allows individuals to prioritize what truly matters-building strong relationships, maintaining health, and achieving genuine freedom. This can lead to more fulfilling life choices that focus on long-term happiness rather than short-lived appearances.
理解真正的財富與財富假象的差異，能使人們優先考慮真正重要的事情——建立牢固的人際關係、維護健康，並實現真正的自由。這可以帶來更有意義的生活選擇，著重於長期幸福，而非短暫的表象。

7.Question7. 問題

Why is the concept of 'faux wealth' considered dangerous?
為什麼「假財富」的概念被認為是危險的？

Answer:The concept of ‘faux wealth’ is considered dangerous because it creates a misleading sense of satisfaction and success based on superficial appearances. This can lead to debt, stress, and ultimately a deteriorating quality of life, impacting long-term happiness and well-being.
答案：「虛假財富」被認為是危險的，因為它會基於表面現象創造出一種令人誤導的滿足感和成功感。這可能導致債務、壓力，並最終惡化生活品質，影響長期的幸福和福祉。

8. Question8. 問題

What lesson can we learn from Henry's story about wealth?
我們可以從亨利的故事中學到什麼關於財富的課題？

Answer:Henry’s story illustrates that achieving the ‘dream’ lifestyle through material possessions often leads to unfulfillment and loss of freedom. Despite his seemingly
答案：亨利的故事說明，透過物質財產追求「夢想」生活通常會導致不滿足和失去自由。儘管他看似擁有成功的財產，
successful acquisitions，he finds himself trapped in a lifestyle that detracts from his happiness，health，and family relationships，reinforcing the idea that true wealth is about balance and genuine satisfaction rather than just material success．
但他發現自己陷入了一種削弱幸福、健康和家庭關係的生活方式，強化了真正的財富是關於平衡和真正滿足，而不僅僅是物質成功的理念。

9．Question9. 問題

How can one redefine their own notion of wealth？
一個人要如何重新定義財富的概念？

Answer：One can redefine their notion of wealth by reflecting on personal values and goals．Consider what brings genuine happiness，such as strong relationships，good health，and personal freedom，and prioritize actions and decisions that align with these values rather than societal expectations．
答案：透過反思個人的價值觀和目標，一個人可以重新定義財富的概念。思考什麼能帶來真正的快樂，例如穩固的人際關係、良好的健康和個人自由，並優先考慮與這些價值觀一致的行動和決策，而不是盲從社會期望。

10．Question10. 問題

What is a practical step someone can take to shift towards building real wealth？
一個人可以採取什麼實際步驟來轉向建立真正的財富？
Answer：A practical step to shift towards building real wealth is to evaluate and shift spending habits from luxury items and appearances to investments in oneself，such as health and education，and in relationships．Setting financial goals that
解答：邁向建立真正財富的實際步驟，是評估並調整消費習慣，從購買奢侈品和追求表面光鮮，轉向投資自我，例如健康和教育，以及人際關係。設定財務目標時，
prioritize savings and quality experiences over consumerism can help manifest true wealth．
優先考慮儲蓄和高品質的生活體驗，而非盲目消費，可以幫助實現真正的財富

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Chapter 7 ｜Lifestyle Servitude：The Thief of Happiness｜Q\＆A
第 7 章 | 生活方式的奴役：幸福的竊賊

1．Question1. 問題

What is the main idea of Chapter 7 in＇The Millionaire Fastlane＇？
《百萬富翁快車道》第 7 章的主要觀點是什麼？

Answer：The chapter emphasizes how＇Lifestyle Servitude＇－the cycle of overconsumption and debt－can trap individuals in a life of misery and undermine their happiness and freedom，despite any financial gains they might achieve．
答：本章強調「生活方式的奴役」──過度消費和負債的循環──如何讓個人陷入痛苦的生活，並破壞他們的幸福和自由，儘管他們可能已取得某些財務成就。

2．Question2. 問題

How does money relate to happiness according to M．J． DeMarco？
根據 M.J. DeMarco 的觀點，金錢與幸福有何關聯？
Answer：DeMarco argues that while money itself doesn＇t buy happiness，it can buy freedom，which can lead to happiness． True happiness is connected more to relationships and quality of life than to material possessions．
答案：德馬科主張，雖然金錢本身無法買到幸福，但它可以買到自由，進而帶來幸福。真正的幸福與人際關係和生活品質更為相關，而非物質擁有

3．Question3. 問題

What is＇Lifestyle Servitude＇？
什麼是「生活方式奴役」？

Answer：Lifestyle Servitude is defined as the entrapment in
生活方式奴役被定義為陷入了一種
debt and consumerism that arises when people increase their spending with rising income, leading them to become slaves to their debt and obligations rather than enjoying true financial and personal freedom.
當人們隨著收入增加而提高消費支出時，所產生的債務和消費主義，使他們成為債務和義務的奴隸，而不是享受真正的財務和個人自由。

4.Question4.問題

What lesson can be learned about consumerism?
關於消費主義可以學到什麼課題？

Answer:Consumerism can create a false sense of wealth that leads to financial bondage. The pursuit of ‘stuff’ that one cannot afford ultimately restricts freedom and happiness.
答案：消費主義可以製造出一種虛假的財富感，最終導致財務束縛。追求一些無法負擔的「東西」，最終會限制個人的自由和幸福。

5.Question5.問題

What are the consequences of instant gratification mentioned in the chapter?
在這一章節中提到了即時性滿足感有哪些負面後果？

Answer:The pursuit of instant gratification leads to debt, unhealthy habits, and a lifestyle that prioritizes short-term pleasure over long-term satisfaction and growth.
答：追求即時性滿足會導致債務、不健康的習慣，以及一種重視短期愉悅而犧牲長期滿足與成長的生活方式。

6. Question6. 問題

How does DeMarco suggest we shift our thinking about wealth and affordability?
戴馬科如何建議我們改變對財富和可負擔性的思考方式？

Answer:DeMarco recommends measuring affordability by whether one can maintain their lifestyle amidst unexpected
答：戴馬科建議，應該以一個人是否能在意外情況下維持自身生活方式來衡量可負擔性
financial challenges，encouraging a mindset that values genuine wealth accumulation rather than superficial appearances of wealth．
財務挑戰，鼓勵一種重視真正財富累積，而非表面財富外表的心態。

7．Question7. 問題

In what ways can money contribute to happiness？
金錢究竟能以何種方式為幸福做出貢獻？

Answer：Money can enhance happiness by providing opportunities such as the freedom to spend time with family， pursue dreams，and make positive contributions to society when accumulated wisely．
答案：當金錢被明智地累積時，可以透過提供機會來提升幸福，例如自由地與家人相處、追求夢想，以及為社會做出正面貢獻。

8．Question8. 問題

Why does DeMarco refer to＇normal＇lifestyle choices as modern－day slavery？
為什麼 DeMarco 將「普通」的生活方式稱為現代奴役？
Answer：He describes normal lifestyle choices，like working a tedious job to pay off debt and living within restrictive budgets，as a form of slavery because they limit freedom and personal choice，trapping individuals in a cycle of obligation．
答案：他形容一般的生活方式選擇，像是為了還債而忍受乏味的工作，並在緊縮的預算中生活，是一種奴役形式，因為這些選擇限制了自由和個人意願，使人們陷入一個義務的循環。

9．Question9. 問題

What can individuals do to escape the trap of Lifestyle
個人要如何擺脫生活

Servitude？奴役的陷阱？

Answer：Individuals can escape by delaying gratification，
答案：個人可以藉由延遲享受來擺脫這個陷阱，
avoiding unnecessary debt，making conscious spending decisions，and focusing on building financial independence rather than succumbing to societal pressures to consume．
避免不必要的債務，做出有意識的消費決策，並專注於建立財務獨立，而不是屈服於社會消費的壓力。

10．Question10. 疑問

What key insights should readers remember from the chapter？
讀者應該記住本章的哪些關鍵洞見？
Answer：Readers should recognize that financial freedom is essential for true happiness，that lifestyle choices can lead to servitude，and that real wealth is measured by quality of life and personal choices rather than material possessions．
答：讀者應該認識到，財務自由對於真正的幸福至關重要，生活方式的選擇可能導致受制於物質，而真正的財富是由生活品質和個人選擇衡量，而非物質財產。

Chapter 8 ｜Lucky Bastards Play The Game｜Q\＆A
第 8 章｜幸運的傢伙玩遊戲｜問與答

1．Question1. 問題

What is the main takeaway regarding luck and success in Chapter 8？
什麼是第 8 章有關運氣與成功的主要觀點？
Answer：Luck is often seen as an event，but true luck is generated through consistent process and action．
答案：運氣通常被視為一個事件，但真正的運氣是透過持續的流程和行動所產生。

Engaging actively in opportunities and taking chances increases the likelihood of＇getting lucky＇．
積極參與機會並把握機會，會增加「撞大運」的可能性。

2．Question2. 問題

How do the two brothers，Joe and Bill，illustrate the
Joe 和 Bill 這兩兄弟如何說明了

concept of luck versus process？
運氣的概念與過程？

Answer：Joe represents the Sidewalk mindset，believing that luck is required for success as he remains passive．In contrast，Bill actively engages in the invention process and consistently exposes his ideas to the world，increasing his chances of success and＇luck＇．
答案：喬代表側道心態，相信成功需要運氣，他始終保持被動。相比之下，比爾積極參與發明過程，並持續將他的想法展現於世，增加了他成功和「運氣」的機會。

3．Question3. 問題

What did Mark Cuban emphasize about luck and success？
馬克·庫班對運氣和成功有何強調？

Answer：Mark Cuban highlighted that what others perceive as luck is often the result of hard work，knowledge，and systematic processes．He argued that true success comes from skillful application of effort，not mere chance．
答案：馬克·庫班強調，他人認為的運氣，其實往往是努力、知識和系統性流程的結果。他主張真正的成功來自於熟練地運用努力，而非單純的機遇

4．Question4. 問題

What is a＇big hit＇and why is it viewed negatively in the context of wealth creation？
什麼是「大獎」，為什麼在財富創造的背景下被視為負面？

Answer：A＇big hit＇refers to sudden，extraordinary wealth gained through luck，such as lottery winnings or risky investments．It＇s viewed negatively because it promotes a
答案：「大獎」指的是透過運氣獲得的突然、非凡財富，例如彩票中獎或高風險投資。它被視為負面是因為
mindset focused on events rather than sustainable processes that build real wealth.
以事件為導向的心態，而非建立真正財富的永續性流程。

5.Question5.問題

How do Sidewalkers typically approach wealth and what beliefs keep them trapped?
側邊行人（Sidewalkers）通常如何看待財富，又是什麼信念令他們陷入困境？
Answer:Sidewalkers tend to believe that luck is essential for wealth, that wealth can be acquired through quick schemes or shortcuts, and that others can provide them with wealth.
答案：側邊行人傾向相信運氣對於財富至關重要，認為財富可以透過快速方案或捷徑獲得，並且他人可以為他們帶來財富。

These beliefs prevent them from engaging in the necessary processes to achieve true financial success.
這些信念阻礙了他們參與達成真正財務成功所需的必要流程。

6.Question6.問題

How can someone ‘create luck’ according to the chapter?
根據該章節，一個人要如何「創造運氣」？
Answer:To create luck, one must actively engage in processes and increase chances through habitual action and exposure to opportunities. By ‘playing the game’, individuals enhance their probabilities of success.
答案：要創造運氣，一個人必須積極投入各種流程，並透過習慣性行動和接觸機會來增加成功的機率。透過「參與遊戲」，個人可以提升成功的可能性。

7.Question7.問題

What comparison is made between poker players and self-made millionaires regarding luck?
樸克牌玩家與白手起家的百萬富翁之間做了哪些運氣方面的比較？
Answer:Both career poker players and self-made millionaires
兩種職業中的從業者
understand that success is not merely based on luck but on skillful analysis and strategic decisions．Dismissing their achievements as luck undermines their hard work and expertise．
都了解成功不僅僅是基於運氣，而是建立在精準的分析和策略性決策上。把他們的成就歸結為運氣，無疑是貶低了他們的努力和專業。

8．Question8. 問題

What warning is given about＇get rich quick＇schemes？ Answer：The chapter warns that＇get rich quick＇schemes attract those who prefer easy events over hard work and systematic processes．These programs often profit more from selling the scheme than from actual wealth creation．
對「快速致富」計畫有什麼警告？答案：本章警示「快速致富」計畫往往吸引那些偏好輕鬆事件而非努力工作和系統性流程的人。這些方案通常從銷售計畫本身獲利，而非真正創造財富

9．Question9. 問題

What is the significance of engaging in processes for financial success？
建立財務成功的程序有何意義？

Answer：Engaging in processes is crucial for building wealth as it transforms luck from a mere chance into an achievable outcome through consistent efforts and improved probabilities．
答：投入程序對於累積財富至關重要，因為它將運氣從單純的機遇轉變成透過持續努力和提高機率可達成的結果。

10．Question10. 問題

How should one shift their mindset to break free from
如何改變心態，擺脫

Sidewalker beliefs？路邊行人的思維？

Answer：One should shift their mindset to understand that wealth comes from process，not luck，to embrace action over waiting for events，and to realize that only personal effort can lead to genuine financial success．
答案：一個人應該改變心態，了解財富來自於過程，而非運氣，要選擇行動而非等待機會，並且認知到唯有個人的努力才能帶來真正的財務成功。

Chapter 9 ｜Wealth Demands Accountability｜Q\＆A
第 9 章｜財富需要負責任｜問與答

1．Question1. 問題

Why is hitchhiking used as a metaphor for financial planning in this chapter？
為什麼在本章中將搭便車用作財務規劃的隱喻？

Answer：Hitchhiking symbolizes relying on others for your financial journey，which is seen as dangerous and inefficient．It reflects a mindset of victimhood where individuals surrender control over their finances，just as a hitchhiker lets a stranger steer the course．
答：搭便車象徵著依賴他人來規劃你的財務之旅，這被視為危險且效率低下。它反映了一種受害者心態，個人放棄對自身財務的控制權，就像搭便車的人任由陌生人掌控方向。

2．Question2. 問題

What key lesson can be derived from the anecdote of the author＇s mother and＇The Fund＇？
從作者母親和「基金」的軼事中，可以得出什麼關鍵啟示？

Answer：The key lesson is the importance of conducting due diligence and trusting one＇s instincts．The author＇s mother
答：關鍵啟示是進行盡職調查並相信自己的直覺的重要性。作者的母親
chose not to invest in＇The Fund＇despite peer pressure， illustrating the value of personal responsibility and the consequences of listening to others without investigating．
選擇不投資「基金」，儘管同儕施加壓力，展示了個人責任的價值以及盲目聽從他人意見的後果。

3．Question3. 問題

What is＇The Law of Victims＇and how does it apply to personal responsibility？
什麼是「受害者法則」，它如何應用於個人責任？

Answer：＇The Law of Victims＇states that you can＇t be a victim if you don＇t give control to someone else．This emphasizes personal responsibility；if you take control of your decisions， you can avoid victimhood，making choices that reflect accountability for your financial future．
答：「受害者法則」指的是，如果你不將控制權交給他人，你就不會成為受害者。這強調了個人責任；如果你掌控自己的決定，就可以避免成為受害者，做出反映對自身財務未來負責的選擇。

4．Question4. 問題

How are responsibility and accountability defined in this chapter？
在本章節中，責任和課責性如何被定義？

Answer：Responsibility involves acknowledging one＇s decisions and their outcomes，while accountability is about being answerable for those decisions，modifying behavior to avoid negative outcomes in the future．Responsibility is the first step，but accountability is where real growth happens．
責任涉及承認自己的決定及其結果，而問責則是對這些決定負責，並調整行為以避免未來可能的負面後果。責任是第一步，但問責才是真正成長的關鍵

5．Question5. 問題

What does the author mean by＇Immunize Yourself from
作者想表達「如何免疫自己遠離」這個概念，他強調個人需要建立自我防護機制，以避免被負面影響或錯誤的思維方式所侵蝕。在職涯和財務成長的過程中，保護自己不受錯誤觀念、社會常見的陷阱或消極思維的影響，是邁向成功的關鍵策略

Victimization＇？受害者心態？

Answer：To immunize yourself from victimization means to actively take responsibility for your actions and choices，as well as being accountable for the consequences．This mindset helps individuals reclaim control over their lives and avoid falling into a victim mentality．
答案：要免於成為受害者，意味著要主動為自己的行為和選擇負責，並為後果負起責任。這種心態可以幫助個人重新掌控自己的生活，避免陷入受害者心態。

6．Question6. 問題

What critique does the author offer about societal attitudes towards＇deserving＇？
作者對於社會上「應得」的態度有何批評？

Answer：The author criticizes the pervasive belief that people deserve rewards or compensation without due effort or accountability．This mindset fosters a culture of entitlement rather than one of responsibility，undermining individual agency and the value of hard work．
答案：作者批評普遍存在的信念，認為人們不經過適當的努力和負責任的態度，就應該得到獎勵或補償。這種心態助長了一種索取的文化，而非責任文化，削弱了個人的主動性和努力工作的價值。

7．Question7. 問題

How does the author suggest individuals can take the ＇driver＇s seat＇in their lives？
作者建議個人如何在生活中掌握「駕駛座」？

Answer：Individuals can take the＇driver＇s seat＇by fully
個人可以藉由完全掌握自身的生活和事業來坐上「駕駛座」
owning their choices and the repercussions that come with them．This involves being proactive in decision－making， conducting research，and learning from past mistakes rather than blaming external factors．
對自己的選擇及隨之而來的後果負起責任。這意味著要在決策時主動積極，進行研究，並從過去的錯誤中學習，而非歸咎於外在因素

8．Question8. 問題

What transformations can occur when individuals
當個人開始發生什麼樣的轉變時，

cultivate responsibility and accountability in their lives？ Answer：When individuals cultivate responsibility and accountability，they transform failure into wisdom rather than shame．They gain confidence in their abilities to steer their financial and personal lives，leading to better decisions， resilience，and ultimately greater success．
培養生活中的責任感與問責精神？答案：當個人培養責任感與問責精神時，他們會將失敗轉化為智慧，而非恥辱。他們對於掌控自身財務和個人生活的能力更有信心，這會帶來更好的決策、更強的韌性，並最終獲得更大的成功

9．Question9. 問題

How did the author＇s experience with a contractor
作者與承包商的經驗如何

illustrate the importance of accountability？
闡明了責任的重要性？

Answer：The author＇s poor experience with a contractor underscores that accountability means reflecting on one＇s choices and ensuring they don＇t repeat mistakes．By acknowledging his role in the hiring decision，the author
答案：作者與承包商的不佳經歷凸顯了責任意味著反思自身選擇，並確保不再重蹈覆轍。藉由承認自己在雇用決策中的角色，作者
learns to exercise diligence in the future, thus avoiding victimization.
學會在未來審慎行事，從而避免成為受害者。

10.Question10.問題

What final advice does the author provide regarding financial independence?
作者對財務獨立提供什麼最後建議？

Answer:The author advises readers to take charge of their financial destinies by being informed, making independent decisions, and recognizing that true wealth requires taking responsibility and being accountable for one’s choices.
答案：作者建議讀者要對自己的財務命運負責，保持資訊靈通、做出獨立決策，並認識到真正的財富需要對自己的選擇負責並保持問責。

Finish Your Reading Challenge, Donate Books to African Children.
完成你的閱讀挑戰，捐贈書籍給非洲兒童。

The Concept這個概念

This book donation activity is rolling out together with Books For Africa. We release this project because we share the same belief as BFA: For many children in Africa, the gift of books truly is a gift of hope.
這個圖書捐贈活動將與非洲圖書基金會合作推出。我們發起這個專案，是因為我們與非洲圖書基金會有相同的信念：對於非洲許多兒童來說，贈與圖書真的是給予希望的禮物。

The Rule規則

Your learning not only brings knowledge but also allows you to earn points for charitable causes! For every 100 points you earn, a book will be donated to Africa.
您的學習不僅能獲得知識，還能為慈善事業賺取積分！每累積 100 分，就會捐贈一本書給非洲。

Chapter 10 ｜The Lie You＇ve Been Sold：The Slowlane｜Q\＆A
第 10 章｜你被騙的謊言：慢車道｜問與答

1．Question1. 問題

What is the fundamental flaw of the Slowlane strategy according to DeMarco？
根據 DeMarco，慢車道策略的根本缺陷是什麼？
Answer：The Slowlane strategy is fundamentally flawed because it requires people to sacrifice their present lives—yielding five days of work for just two days of freedom on the weekends．This approach creates a negative investment in time，where people willingly trade significant portions of their life for a distant promise of wealth，often without the guarantee of ever enjoying that wealth．
答案：慢車道策略的根本缺陷在於它要求人們犧牲當下的生活，每週五天工作僅換取兩天的自由。這種做法對時間投資是負面的，人們心甘情願地將生命的重要部分交換給遙遠的財富承諾，而且往往沒有享受那筆財富的保證。

2．Question2. 問題

How does the author perceive the relationship between time and wealth in the Slowlane？
作者如何看待慢車道中時間與財富的關係？
Answer：DeMarco argues that the Slowlane＇s relationship between time and wealth is deceptive．He highlights that the Slowlane relies on the hope that by dedicating a lifetime to a job and saving diligently for the future，one will eventually
答案：DeMarco 認為慢車道中時間與財富的關係是具有欺騙性的。他強調慢車道依賴於這樣一種希望：通過將一生奉獻給工作並為未來勤奮儲蓄，最終
attain financial freedom．However，he illustrates that this often leads to a life of mediocrity and lost opportunities， rather than genuine wealth and happiness．
獲得財務自由。然而，他闡明這往往導致平庸的生活和失去的機會，而非真正的財富和幸福。

3．Question3. 問題

What does＇Living rich young＇mean，according to the chapter？
根據該章節，「年輕時就富有」是什麼意思？

Answer：＇Living rich young＇refers to the idea of enjoying wealth and experiences in one＇s youth instead of postponing life＇s pleasures until old age．DeMarco emphasizes that true wealth should be experienced when one is vibrant and capable，rather than waiting potentially decades only to find health or circumstances may not allow for enjoyment of that wealth．
答案：「年輕時就富有」指的是在青年時期享受財富和經歷，而不是將生活的樂趣推遲到晚年。德馬科強調真正的財富應該在一個人充滿活力和能力的時候體驗，而不是等待可能數十年，最後發現健康或環境可能無法讓你享受那份財富。

4．Question4. 問題

What is the＇5－for－2＇analogy and what does it illustrate about the Slowlane mindset？
什麼是「5 換 2」類比，它如何說明慢道思維？

Answer：The＇5－for－2＇analogy represents the trade－off of working five days a week for just two days of freedom．It illustrates the Slowlane mindset＇s flawed understanding of
回答：「5 換 2」類比代表每週工作 5 天，換取 2 天自由時間的交換。它說明了慢道思維對
value，where individuals willingly accept a poor return on their most precious resource－time－by offering extensive periods of their lives in exchange for minimal freedom．
價值的錯誤理解，人們甘願以最寶貴的資源──時間──換取極少的自由，願意獻出生命中大部分時間來換取微不足道的自由。

5．Question5. 問題

How does DeMarco connect the concept of normality to mediocrity in the Slowlane？
德馬爾科如何將常態性與平庸連結在慢道中？

Answer：DeMarco suggests that society has normalized the Slowlane lifestyle，which equates to settling for less and accepting mediocrity．This acceptance leads individuals to forsake their dreams and potential for the sake of a flawed roadmap to wealth，where sacrificing life experiences becomes the norm．
DeMarco 指出，社會已將慢車道生活型態視為常態，這意味著對於平庸和不足的妥協。這種接受導致個人為了一個有缺陷的財富藍圖，犧牲了自身的夢想和潛能，使得放棄人生體驗成為常態。

6．Question6. 問題

early death at 43，illustrating that accumulating wealth without enjoying life can result in losing both．
在 43 歲早逝的例子中，說明了累積財富卻不享受生活，最終可能導致兩者皆失

7．Question7. 問題

What does DeMarco suggest is the better approach to wealth creation？
DeMarco 提出何種更好的財富創造方法？

Answer：DeMarco suggests that a better approach to wealth creation involves actively pursuing one＇s passions，leveraging time effectively，and seeking entrepreneurial ventures that provide freedom and growth opportunities，rather than succumbing to a slow grind of conventional employment and frugality．
答案：DeMarco 建議，更好的財富創造方法是積極追求個人熱情，有效運用時間，尋找能提供自由與成長機會的創業 venture，而非屈從於傳統就業與節儉的緩慢磨損。

8．Question8. 問題

How does DeMarco＇s view of personal finance challenge mainstream advice？
DeMarco 對個人財務的觀點如何挑戰主流建議？

Answer：DeMarco challenges mainstream personal finance advice by critiquing the long－term saving and investment strategies that require a lifetime of sacrifice for uncertain future returns．He advocates for dynamic，proactive wealth creation methods that focus on enjoying life，maximizing
狄馬可挑戰主流理財建議，批評那些需要窮一生積蓄且收益不確定的長期儲蓄與投資策略。他倡導注重享受生活、最大化
potential，and rejecting mediocrity．
潛能，並拒絕平庸

9．Question9. 問題

What is＇Lifestyle Servitude＇as described in the chapter？
在本章節中，什麼是「生活方式奴役」？

Answer：Lifestyle Servitude refers to the condition of being trapped by one＇s financial obligations，whether from an ascetic lifestyle of extreme saving as in the Slowlane，or from consumerism and debt on the Sidewalk．It illustrates how individuals become enslaved to money，either through relentless work or consuming habits that devalue their time and quality of life．
生活方式的奴役指的是被財務義務所束縛的狀態，無論是像「慢速道」中那樣透過極度儉樸的生活方式節省，還是像「人行道」中那樣沉迷消費主義和債務。這說明了個人如何成為金錢的奴隸，無論是透過不間斷的工作，還是那些貶低自身時間和生活品質的消費習慣

10．Question10. 疑問

In what way does DeMarco illustrate the disconnect between work and happiness？
德馬科如何說明工作與幸福之間的脫節？

Answer：DeMarco highlights the disconnect between work and happiness by describing how individuals become so engrossed in their jobs and financial plans that they miss the beauty and experiences life offers．He uses the anecdote of the unnoticed virtuoso violinist to emphasize how people often ignore the＇music＇of life while lost in the grind of daily
狄馬可藉由描述個人是如何在工作和財務規劃中迷失，以至於忽視了生活所提供的美好與經歷，凸顯出工作與幸福之間的斷裂。他運用一個未被注意到的頂級小提琴家的軼事，強調人們常常在日常瑣事的磨耗中迷失，而忽略了生命的「樂章」
routines．常規

Chapter 11 ｜The Criminal Trade Your Job｜Q\＆A
第 11 章｜出賣自己的職業犯罪｜問與答

1．Question1. 問題

What is the primary critique of jobs according to DeMarco in this chapter？
根據迪馬可在這一章節的主要批評是什麼？
Answer：Jobs are criticized for being a limited trade of time for money，which ultimately consumes one＇s life without offering true freedom or wealth accumulation．
工作被批評是以有限的時間換取金錢，最終耗費了一個人的生命，卻無法帶來真正的自由或財富累積

2．Question2. 問題

How does DeMarco describe the relationship between time and wealth in the context of jobs？ Answer：DeMarco argues that trading time for money represents a＇bloodsucking marriage＇where you sell your freedom for pieces of paper that provide temporary relief but do not build lasting wealth．
DeMarco 如何描述工作背景下時間與財富之間的關係？答案：DeMarco 認為，用時間換取金錢，就是一種「吸血的婚姻」，在這種情況下，你是在用自由換取一張張紙幣，這些紙幣只能提供暫時的紓解，卻無法建立永續的財富

3．Question3. 問題

What does DeMarco suggest about the benefits of entrepreneurship compared to traditional jobs？ Answer：He emphasizes that entrepreneurship allows for
DeMarco 建議，相較於傳統工作，創業的好處在於：他強調創業可以
greater learning，control，and potential for wealth，stating he learned more in two months as an entrepreneur than in a decade of jobs．
更大的學習、掌控力及財富潛力，他表示作為一名創業者，兩個月內學到的東西比過去十年的工作中還要多

4．Question4. 問題

Why does DeMarco refer to jobs as a form of＇human domestication＇？
為什麼狄馬可（DeMarco）將工作稱為一種「人類馴化」？
Answer：He implies jobs limit individuals to a life of mediocrity，restricting personal growth and financial independence，making them subservient to the corporate structure．
他暗示工作會限制個人的生活在平庸中，阻礙個人成長與財務獨立，使人淪為企業結構的奴隸

5．Question5. 問題

What does the term＇job suckage＇encompass in this chapter？
這章節所指的「工作爛」究竟包含什麼內容？
Answer：＇Job suckage＇refers to various limitations imposed by jobs，including time trade，lack of control，limitations on experience，office politics，and low income growth potential．
答案：「工作爛」係指工作的各種限制，包括時間交易、缺乏控制權、經驗限制、辦公室政治，以及低收入成長潛力

6．Question6. 問題

What are the consequences of a job on an individual＇s financial plan according to DeMarco？
根據 DeMarco 的觀點，工作對個人的財務規劃會有什麼影響？
Answer：A job can derail your financial security and
答案：工作可能會破壞你的財務安全，以及
wealth－building efforts，as one＇s income and success are dictated by external factors rather than personal control．
財富累積的努力，因為個人的收入和成功是由外部因素決定，而非個人控制。

7．Question7. 問題

How does DeMarco define the concept of＇Pay Yourself Last＇in the context of employment？
德馬科如何在職場背景下定義「最後支付自己」這個概念？
Answer：He explains that in a job，taxes and corporate structures ensure that employees receive their compensation only after everyone else，making it nearly impossible to build wealth quickly．
答案：他解釋說，在工作中，稅收和公司架構確保員工只能在其他所有人之後獲得薪酬，這使得快速積累財富幾乎是不可能的。

8．Question8. 問題

What analogy does DeMarco use to illustrate the lack of control employees have？
德馬科使用什麼類比來說明員工缺乏控制力？
Answer：He likens it to sitting in the back of a pickup truck， where the driver（the boss）controls the journey，and the passenger（the employee）is at the mercy of the driver＇s decisions．
答案：他將其比喻為坐在貨車後車廂，駕駛（老闆）控制行程，而乘客（員工）只能聽從駕駛的決定

9．Question9. 問題

What is the implication of being in a job during crises like the COVID pandemic？
在 COVID 疫情等危機期間，從事工作意味著什麼？
Answer：DeMarco points out that jobs provide no real
回答：德馬科指出，工作並不提供真正的
security or safety; during unexpected events like the pandemic, many found themselves jobless, highlighting the risks of relying solely on employment.
保障或安全；在疫情等意料之外的事件中，許多人發現自己失業了，凸顯了完全依賴就業的風險。

10.Question10.問題

In what way does DeMarco encourage readers to rethink their approach to income and work?
德馬科如何鼓勵讀者重新思考收入和工作的方式？

Answer:He encourages readers to seek alternatives to traditional jobs that allow for greater flexibility, control, and the opportunity to earn while not actively working.
他鼓勵讀者尋找傳統工作以外的選擇，這些選擇能提供更大的靈活性、控制權，以及即使不主動工作也能賺錢的機會。

Chapter 12 | The Slowlane: Why You Aren't Rich| Q&A
第 12 章 | 慢車道：你為什麼無法致富 | 問與答

1.Question1. 問題

What does the author mean by ‘Uncontrollable Limited Leverage’ (ULL)?
作者提到的「不可控制的有限槓桿」（ULL）是指什麼？
Answer:ULL refers to the limitations that come from relying solely on a job for income and traditional investments for wealth accumulation. It suggests that you cannot control or leverage your time effectively while following the Slowlane strategy, which ultimately restricts your ability to
答案：ULL 指的是僅依賴工作收入和傳統投資來累積財富所帶來的限制。它暗示在遵循慢車道策略的過程中，你無法有效控制或利用自己的時間，這最終會限制你的
accumulate wealth.財富累積能力。

2.Question2. 問題

Why is time considered a liability in the Slowlane?
為什麼時間在慢車道被視為負債？

Answer:Time is a liability because wealth creation in the Slowlane is tied to exchanging time for money at a job or relying on slow-accumulating market investments. Since time is finite-limited to 24 hours a day and a lifespan of roughly 74 years—investing your time without leveraging it effectively prevents significant wealth accumulation.
答案：時間被視為負債，因為慢車道的財富創造是與在工作中用時間換取金錢，或依賴緩慢累積的市場投資掛鉤。由於時間是有限的——每天僅有 24 小時，壽命大約是 74 年——不有效運用時間會阻礙龐大財富的累積。

3.Question3.問題

How does intrinsic value impact wealth creation in the
內在價值如何影響財富創造

Slowlane?慢車道？

Answer:Intrinsic value is the amount of money one can earn from a job, calculated based on hours worked and hourly rates or salaries. It limits wealth potential because it is constrained by how much time one can put in, thus failing to create significant wealth compared to faster, more leveraged approaches.
內在價值是指根據工作時數和每小時費率或薪資計算的收入金額。由於受限於個人可投入的時間，這種收入方式限制了財富潛力，無法像更快速、更具槓桿效應的方法那樣創造可觀的財富。

4.Question4. 問題

What is the flaw with relying on compound interest for
依靠複利的缺陷是什麼複利的問題在於它需要大量的時間、耐心和犧牲。想要透過每月儲蓄和投資來累積財富，你必須： 1. 花費數十年持續儲蓄和投資 2. 忍受低微的報酬率 3. 延遲享受生活 4. 犧牲當下的生活品質 5. 希望市場表現良好簡單來說，複利是一種緩慢且不確定的致富方式，它要求你在年輕時節省和忍耐，等到退休時才能享受財務自由。這種方法充滿風險和不確定性，完全依賴於長期市場表現和持續儲蓄

wealth accumulation？財富累積

Answer：The flaw lies in its dependency on time，a consistent annual yield，and a substantial invested amount．Since these variables cannot be controlled or manipulated，relying on them means your wealth growth is slow and uncertain，which makes it an unreliable strategy for building significant wealth．
答案：問題在於它依賴時間、穩定的年度收益，以及龐大的投資金額。由於這些變數無法被控制或操縱，依賴它們意味著財富增長緩慢且不確定，這使其成為積累可觀財富的不可靠策略。

5．Question5. 問題

In what way does the author argue that＇buy－and－hold＇ strategies are ineffective？
作者以何種方式論證「買進並持有」策略無效？

Answer：The author argues that＇buy－and－hold＇strategies are ineffective because they do not account for the impact of inflation over decades，the necessity of time，and aligning wealth with youth．He illustrates that while numbers may seem alluring long－term，practical outcomes demonstrate that such strategies rarely yield immediate or significant results in a person＇s prime earning years．
答案：作者認為「買進並持有」策略無效，因為它們未考慮幾十年間通貨膨脹的影響、時間的必要性，以及與青春年華對齊財富。他說明，儘管長期數字看起來誘人，但實際成果顯示，這類策略很少能在一個人的黃金收入年齡段產生直接或重大的成果。

6．Question6. 問題

What should one prioritize to achieve financial success
要獲得財務成功，應該優先考慮什麼
according to the author？
根據作者？
Answer：To achieve financial success，one should prioritize control over their wealth－building strategy by leveraging time wisely，seeking business opportunities with asymmetrical returns，and avoiding dependence on traditional jobs or compound interest that tie wealth accumulation to time．
答案：要達成財務成功，一個人應該優先掌控自身的財富建構策略，明智地運用時間，尋求具有非對稱性報酬的商業機會，並避免依賴傳統工作或複利投資，這些都會將財富累積與時間緊密綁定。

7．Question7. 問題

How does the author use personal anecdotes to emphasize his points？
作者如何運用個人軼事來強調他的觀點？
Answer：The author shares his experience of investing in a Roth IRA that yielded minimal returns over decades compared to his other ventures．His anecdote underscores the futility of the Slowlane approach and highlights the potential of the Fastlane strategy，where significant wealth was generated through proactive，leveraged business investments．
答案：作者分享了他投資羅斯 IRA（Roth IRA）的經驗，該投資在數十年間僅獲得微乎其微的回報，相比之下卻遠不及他的其他商業嘗試。他的個人經歷凸顯了慢車道方法的徒勞，並突顯了快車道策略的潛力，在快車道策略中，透過主動且具槓桿效應的商業投資可以產生可觀的財富

8．Question8. 問題

What does the phrase＇hope isn＇t a plan＇signify in the context of financial strategies？
「希望不是計劃」這句話在財務策略中意味著什麼？

Answer：The phrase signifies that relying on hope（such as
答案：這句話意味著僅憑希望（例如
hoping for a promotion，stable markets，or favorable economic conditions）without taking direct，control－oriented action towards wealth creation is not a viable strategy．Real financial success requires actionable plans and the ability to control and leverage outcomes．
希望升遷、市場穩定或經濟條件有利）而不採取直接、以控制為導向的行動來創造財富，並不是一個可行的策略。真正的財務成功需要可執行的計劃，以及控制和利用結果的能力。

9．Question9. 問題

What conclusion can be drawn about relationship between time and wealth？
可以對時間與財富之間的關係得出什麼結論？

Answer：The conclusion is that in order to build wealth effectively，one must adopt strategies that view time as an asset rather than a liability．Wealth should be created through means that free up time rather than require prolonged periods of labor in exchange for limited financial returns．
結論是，為了有效地建立財富，必須採用將時間視為資產而非負債的策略。財富應該通過能釋放時間的方式創造，而非換取有限的財務回報需要長時間勞動。

Today’s Bookey今日書評

You你
is first for me. How the makes me feel, it’s like r. It has to match my life.

s

happening around me . That’s where it comes from.
對我而言最重要的是。那種感覺，就像是 r。它必須符合我的生活。

s

發生在我周遭的事物。這就是它的來源。
-Boots Rijiey

12,
Get enough points to donate a book
取得足夠的點數捐贈一本書

Hannah漢娜

Daily Goals每日目標

A 1 diay streat 一個絕佳的策略	I	w		$◻$
A 1 diay streat 一個絕佳的策略				Best score: 2 days 最佳成績：2 天
Time of Use使用時間			Finished已完成
6183		102		sames相同的
용用		z

ATOMIC HABITS原子習慣

Atomic Habits Four steps to build good habits and break bad ones James Cloar
原子習慣：培養好習慣與打破壞習慣的四個步驟詹姆斯·克利爾

36 \min 3

key insights Finished I 3 key insights Finished sour

36 \min 3

關鍵見解已完成我 3 關鍵見解已完成酸

Description描述
Why do so many of us fail to lose weight? Why can’t we go to bed early and wake up early? Is it because of a lack of determination? Not at all. The thing is, We are doing it the wrong way More specifically it’s because we haven’t built an effective behavioral
為什麼我們中的許多人無法減重？為什麼我們無法早睡早起？這是因為缺乏決心嗎？完全不是。問題是，我們做事的方法是錯誤的。更具體地說，是因為我們尚未建立有效的行為

1,1
国 Read國家閱讀
17:25

T = e

Library圖書館
Bookeys書鑰
IdeaClips想法剪輯
Notes筆記
Quotes引言
Saved已儲存
4 Downloaded4 已下載

Finished已完成

History歷史
14/08/2024
See all查看全部

h. After five hours of flying, before
h. 在飛行五小時後，在

Chapter 1 of 5第 1 章，共 5 章
Overview概述
Hi, welcome to Bookey. Today we’ll unlock the book Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones.
嗨，歡迎來到 Bookey。今天我們將解鎖《原子習慣：輕鬆且經證實的建立好習慣與戒除壞習慣的方法》這本書。

Imagine you’re sitting in a plane, flying from Los Angeles to New York City. Due to a mysterious and undetectable turbulence, your aircraft’s nose shifts e is landing. you know it, the plane is landing.
想像你正坐在一架從洛杉磯飛往紐約市的飛機上。由於一種神祕且難以察覺的亂流，你的飛機機頭偏移，你根本沒注意到，飛機正在降落。

Noto Sans

◻

Cormorant Garas entrepreneurship. After two successfully raised

$ 850 m

高加拉斯海鷗的創業。成功募資兩次之後

$ 850 m

It Takes >需要付出 >
it lakens 它需要

Never G千萬別放棄
Schwarzman’s relentless e funds for Blackstone’s first overcoming numerous feje the importance of persister
史瓦茲曼不懈地為黑石集團的首次籌集資金，克服了無數障礙，這突顯了堅持的重要性
17:46
Ongoing 持續進行中

1/7 Boakning Paths1/7 銀行業務路徑
Develop leadership skills
培養領導技能
Unioction Landarionsotential
聯合國土地潛力

1/7 Bookeys1/7 書摘
Master time ma. 掌握時間。
Master 掌握

Chapter 13 ｜The Futile Fight：Education｜Q\＆A
第 13 章｜徒勞的戰鬥：教育｜問與答

1．Question1. 問題

What is the main issue with traditional education as a means to increase wealth？
傳統教育作為增加財富的方式，其主要問題是什麼？
Answer：Traditional education often leads to overwhelming debt and does not guarantee increased wealth or freedom，as it keeps individuals trapped in low－leverage jobs where they trade time for money．
傳統教育常常導致令人喘不過氣的債務，且無法保證增加財富或自由，因為它使個人陷入低槓桿工作，被迫以時間換取金錢

2．Question2. 問題

How does the concept of Uncontrollable Limited
無法控制的有限性

Leverage（ULL）relate to education？
槓桿（ULL）與教育有什麼關係？

Answer：ULL implies that the only way Slowlaners attempt to overcome it is by increasing their intrinsic value through education，yet this approach fails to provide true leverage and wealth．
ULL 意味著慢速道追隨者想要突破現狀的唯一方式，就是透過教育提升自身內在價值，然而這種方法未能提供真正的槓桿效應與財富

3．Question3. 問題

Can you explain why not all education is virtuous？Give an example．
你能解釋為什麼不是所有教育都是有益的嗎？舉一個例子
Answer：Not all education empowers；for instance，pursuing
答案：並非所有教育都能賦予力量；舉例來說，追求
an expensive MBA that leaves you in debt while still trading time for money may not lead to wealth．This can trap graduates in jobs they could have obtained with less education．
一個昂貴的 MBA 學位可能會讓你背負債務，同時仍然用時間換取金錢，這並不一定能帶來財富。這可能會使畢業生陷入原本用較少教育投資就能獲得的工作當中

4．Question4. 問題

How does education lead to＇Slowlane Entrapment＇？
教育如何導致「慢速道陷阱」？

Answer：Education can restrict options，leading to conformity where skilled graduates are forced into specific，often lower－paying jobs that do not fully utilize their education．
答案：教育可能限制選擇，導致畢業生被迫進入特定的、通常收入較低的工作，這些工作無法充分發揮他們的教育背景，從而造成一種趨於一致的狀況。

5．Question5. 問題

What is＇Education Servitude＇and how does it affect people？
何謂「教育奴役」，它對人們有何影響？

Answer：Education Servitude occurs when individuals are bound to jobs solely to pay off educational debt，reducing their freedom and perpetuating a cycle of financial reliance and discontent．
教育奴役是指個人僅為了償還教育債務而被迫在工作中束縛，這不僅降低了他們的自由度，更使他們陷入一個持續的財務依賴與不滿的循環中

6．Question6. 問題

How do student debts impact the pursuit of wealth？
學生貸款如何影響追求財富？

Answer：Heavy student debts create a reliance on traditional jobs to repay loans，thus limiting time and opportunities to
沉重的學生貸款會導致對傳統工作的依賴，以償還貸款，從而限制了時間和機會去
pursue more entrepreneurial or wealth－building ventures．
追求更多企業或財富建立的事業

7．Question7. 問題

Is a college degree necessary for achieving wealth？ Answer：No，many successful individuals，such as Bill Gates and Richard Branson，became wealthy without completing formal education，demonstrating that alternatives to traditional degrees can lead to financial success．
大學學歷對於成就財富是必要的嗎？回答：不是，許多成功的人士，例如比爾‧蓋茲和理查‧布蘭森，都在未完成正規教育的情況下成為富豪，證明了除了傳統學位之外，還有其他途徑可以通往財務成功。

8．Question8. 問題

What is＇indentured time＇and how does it differ from ＇free time＇？
何謂「契約勞動時間」，它與「自由時間」有何不同？
Answer：Indentured time refers to the mandatory time spent working to earn a living，contrasting with free time，which is time available for personal pursuits and freedom．
回答：契約勞動時間是指為謀生而必須工作的強制性時間，與可用於個人追求和自由的自由時間形成對比

9．Question9. 問題

Summarize the key takeaway from this chapter regarding education and wealth building．
總結本章節關於教育與財富累積的關鍵洞見。
Answer：Investing in traditional education can often lead to greater debt and limited job opportunities，trapping individuals in a cycle of work to pay off loans rather than achieving true wealth and freedom．
答案：投資傳統教育往往會導致更多債務和有限的就業機會，使個人陷入工作還貸的循環，而非實現真正的財富和自由。

Chapter 14 | The Hypocrisy of the Gurus| Q&A
第 14 章 | 大師們的虛偽 | 問與答

1.Question1. 問題

What is the Paradox of Practice?
什麼是實踐的悖論？

Answer:The Paradox of Practice questions whether someone practices what they preach. It highlights the disconnect between what financial gurus advise and how they have actually achieved their wealth. If someone advocates strategies for success but doesn’t embody those principles themselves, this paradox is at play.
答案：實踐的悖論質疑一個人是否真正實踐他們所宣揚的觀點。它凸顯了財務專家所提建議與他們實際獲得財富之間的矛盾。如果某人倡導成功策略，但自身並未落實這些原則，那麼這個悖論就會產生。

2.Question2.問題

Why should you be skeptical of financial gurus?
為什麼你應該對財務專家保持懷疑態度？

Answer:You should be skeptical because many financial gurus are rich not because of their advice, but because they successfully leveraged different methods (the Fastlane) that they don’t disclose to others. Their teachings often don’t align with their real wealth-building strategies.
答案：你應該保持懷疑，因為許多財務專家的財富並非源自他們的建議，而是成功運用了他們不願透露給他人的不同方法（快速致富之路）。他們的教導通常與他們真正的財富累積策略不符。

3.Question3. 問題

How can you identify a guru guilty of the Paradox of Practice?
你要如何識別出違反實踐矛盾的專家？

Answer：A guru is likely guilty of the Paradox of Practice if their financial success comes from selling advice rather than implementing it themselves．If their advice leads others to slow wealth accumulation while they live prosperously， there＇s a disconnect worth questioning．
答案：如果一個大師的財務成功主要來自於銷售建議，而非親自實踐，他很可能陷入了「實踐矛盾」。如果他們的建議導致其他人財富累積緩慢，而他們卻生活富裕，這種不一致性確實值得懷疑。

4．Question4. 問題

What is the impact of economic recessions on Slowlane strategies？
經濟衰退對慢車道策略會有什麼影響？

Answer：Economic recessions expose the vulnerabilities of Slowlane strategies，often leading to significant financial loss for individuals relying on these methods．Gurus may blame external factors but fail to acknowledge that their long－term plans can lead to severe setbacks for their followers．
答案：經濟衰退會暴露慢車道策略的脆弱性，通常會導致依賴這些方法的個人遭受重大財務損失。這些大師可能會歸咎於外部因素，但卻不願承認他們的長期計劃可能為追隨者帶來嚴重的挫敗。

5．Question5. 問題

How do financial gurus maintain their authority despite
財務大師是如何維持他們的權威的

failures？失敗？

Answer：They maintain authority by continuously publishing new books with similar content，reframing their messages around resilience and rebuilding．This allows them to shift
他們透過不斷出版內容類似的新書，重新建構圍繞韌性與重建的訊息，以此維持其影響力。這讓他們能夠轉移
blame away from their failed strategies while keeping their audience engaged and dependent.
將責任推卸到他們失敗的策略上，同時保持聽眾的參與度和依賴性。

6.Question6.問題

What lesson can be drawn about advice from wealthy individuals?
我們能從富有人士的建議中學到什麼樣的啟示？

Answer:The lesson is to seek advice from those who have a proven track record of success in what they teach. Genuine mentors are those who exemplify the principles they preach, having achieved success through the same methods they recommend.
這堂課是要向那些在所教授領域已有成功紀錄的人尋求建議。真正的導師是那些實踐他們所宣揚之原則的人，並且已經透過他們推薦的方法成功獲得成就。

7.Question7. 問題

What does M.J. DeMarco suggest you do instead of
M.J. DeMarco 建議您用什麼來取代

following Slowlane advice?
遵循慢車道的建議？

Answer:DeMarco suggests that instead of following the Slowlane advice that often leads to slow wealth accumulation and potential failure, individuals should look for Fastlane methods that promise quicker financial independence and real, actionable results.
DeMarco 建議，與其遵循常常導致財富緩慢累積且可能失敗的慢車道建議，個人應該尋找能承諾更快速達成財務自由且真實、可行的快車道方法。

8.Question8.問題

Why is it important to connect the advice you receive to
為什麼將收到的建議與

actual outcomes？實際成果連結起來很重要？

Answer：It＇s important to ensure that the advice aligns with successful outcomes．If the wealth equation that a guru preaches doesn＇t match the one that made them successful， you should question the authenticity and effectiveness of that advice．
答案：確保建議能與成功的成果相符是很重要的。如果某位大師所宣揚的致富方程式與他們自身成功的方程式不一致，你就應該質疑該建議的真實性和有效性。

9．Question9. 問題

What is the main message of Chapter 14？
第 14 章的主要訊息是什麼？

Answer：The main message is to remain discerning when choosing financial advice by recognizing the hypocrisy of many so－called gurus who do not follow their own teachings． True financial wisdom comes from those who practice what they preach，particularly in the realm of wealth－building．
答：主要訊息是在選擇財務建議時要保持明辨是非，認識到許多所謂的專家並不遵循自己的教導，這是一種虛偽行為。真正的財務智慧來自於身體力行的人，特別是在財富累積的領域。

Chapter 15 ｜Slowlane Victory．．．A Gamrle of Hope｜ Q\＆A
第 15 章｜慢車道的勝利…一場充滿希望的賭注｜問與答

1．Question1. 問題

What does the term＇Slowlane＇imply in the context of wealth creation？
在財富創造的背景下，「慢車道」這個詞意味著什麼？

Answer：The＇Slowlane＇refers to a conventional route to wealth accumulation that emphasizes
「慢車道」是指一種傳統的財富累積路徑，著重於
long－term investments，steady employment，and gradual savings．It involves a slow and arduous journey，often spanning decades，with uncertain outcomes．
長期投資、穩定就業和逐步儲蓄。這是一條緩慢且艱辛的旅程，通常持續數十年，且結果難以預料。

2．Question2. 問題

Why does the author compare Slowlane wealth to the story of Moses？
作者為什麼將慢車道的財富比喻成摩西的故事？
Answer：The author likens Slowlane wealth to Moses＇journey because both involve prolonged struggle without guaranteed rewards．Just as Moses never reached the Promised Land despite his efforts，individuals following the Slowlane may work hard for decades without achieving true financial freedom．
答：作者將慢車道的財富比喻成摩西的旅程，因為兩者都涉及長期掙扎且不保證有回報。就像摩西儘管付出努力卻從未抵達應許之地，追隨慢車道的人可能會辛勤工作數十年，卻無法真正獲得財務自由

3．Question3. 問題

What are the seven dangers of the Slowlane？
七種慢車道的危險是什麼？

Answer：The seven dangers include：1）The Danger of Your Health，2）The Danger of the Job，3）The Danger of Your Home，4）The Danger of the Company，5）The Danger of Your Lifestyle，6）The Danger of the Economy，and 7）The
答案：七種危險包括：1）健康的危險，2）工作的危險，3）住家的危險，4）公司的危險，5）生活型態的危險，6）經濟的危險，以及 7）

Danger of the Sidewalk．
人行道的危險。

4．Question4. 問題

What is the primary risk associated with the Slowlane approach according to the text？
根據文本，慢車道方法的主要風險是什麼？
Answer：The primary risk is the assumption that life is predictable and forgiving，leading individuals to rely on hope for factors such as health，employment stability，and market performance instead of actively taking control of their financial destiny．
答案：主要風險在於假設人生是可預測且寬恕的，導致個人寄望於健康、就業穩定性和市場表現等因素，而不是積極掌控自身的財務命運。

5．Question5. 問題

How does the author suggest individuals can escape the restrictions of the Slowlane？
作者如何建議個人可以擺脫慢車道的限制？
Answer：The author suggests that individuals can escape the Slowlane through＇fame＇or by climbing the corporate ladder， which allows them to significantly increase their intrinsic value and leverage their skills for higher earnings，thereby breaking free from conventional limitations．
答案：作者建議個人可以透過「出名」或攀登企業階梯來擺脫慢車道，這讓他們能大幅提升自身的內在價值，並善用技能爭取更高收入，從而擺脫傳統限制。

6．Question6. 問題

What distinction does the author make between＇Slowlane millionaires＇and＇Fastlane millionaires＇？
作者如何區分「慢車道百萬富翁」和「快車道百萬富翁」？

Answer：Slowlane millionaires accumulate wealth slowly over decades and often live middle－class lifestyles，whereas Fastlane millionaires achieve wealth quickly through entrepreneurship and control over their financial choices．
慢車道百萬富翁透過數十年緩慢累積財富，且往往維持中產階級的生活方式，而快車道百萬富翁則透過創業及對財務選擇的掌控，迅速達成財富積累。

7．Question7. 問題

In what way does the author criticize the financial safety advice typically followed by Slowlane followers？ Answer：The author criticizes it as being based on false assumptions and resulting in mediocrity．He points out that frugality and stringent expense management do not create wealth；instead，explosive income growth and smart expense management do．
作者對於慢車道追隨者通常遵循的理財安全建議有何批評？作者批評這些建議是基於錯誤假設，並最終導致平庸。他指出，節儉和嚴格的支出管理並不會創造財富；相反地，爆發性的收入成長和聰明的支出管理才是關鍵

8．Question8. 問題

What does the term＇lifestyle servitude＇refer to according to the author＇s perspective？
根據作者的觀點，「生活方式奴役」指的是什麼？

Answer：Lifestyle servitude refers to the loss of freedom and quality of life that occurs when individuals restrict their consumption and experiences in the name of saving money， often mistakenly believing that living frugally will lead to
生活模式奴役指的是，當個人為了省錢而限制自己的消費和體驗，導致失去自由與生活品質，錯誤地相信過著節儉的生活最終會
financial freedom.財務自由。

9.Question9. 問題

Why does the author refer to the term ‘millionaire’ as misleading in today’s context?
為什麼作者認為在當今的背景下「百萬富翁」這個詞是誤導性的？
Answer:The author argues that the term has become diluted due to inflation, suggesting that having a million dollars is no longer synonymous with wealth. Instead, it implies a middle-class status, necessitating considerably more assets for true financial freedom.
作者認為，這個術語因為通貨膨脹而變得不再具有意義，建議擁有一百萬美元已不再等同於富有。相反地，這暗示了一種中產階級的地位，要達到真正的財務自由，需要更多的資產。

10.Question10.問題

What key teaching does the author convey about managing wealth in the Slowlane?
作者對於慢道管理財富傳達了什麼關鍵教導？作者指出，慢道的財富管理策略通常依賴於被動投資、儲蓄和長期複利，這種方式需要花費幾十年的時間，且高度依賴節制消費和穩定工作。然而，這種方法存在嚴重的缺陷：它要求你犧牲青春年華，在瑣碎的工作中等待退休，同時希望到那時仍有健康和精力享受財富。這種路徑實質上是一種風險厭惡的、緩慢且不確定的財務策略，並不能保證最終能獲得真正的財務自由
Answer:The key teaching is that wealth cannot be created solely through expense reduction; instead, individuals must focus on increasing their income while intelligently managing their expenses for real wealth accumulation.
關鍵教導是財富不能僅僅透過削減開支來創造；相反地，個人必須專注於提高收入，同時聰明地管理開支，才能真正積累財富。

11.Question11. 問題

financial advice that propagates Slowlane principles?
散播慢車道理財原則的財務建議？

Answer:The author recommends viewing such financial
答案：作者建議將此類
advice with skepticism, urging individuals to evaluate whether it leads to true wealth and freedom or merely prolongs a cycle of mediocrity.
以懷疑的態度審視這些建議，敦促個人評估是否真正通向財富與自由，還是僅僅延續了平庸的循環。

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Chapter 16 | Wealth's Shortcut: The Fastlane| Q&A
第 16 章 | 財富的捷徑：快車道 | 問與答

1.Question1.問題

What distinguishes the Fastlane from the Sidewalk and Slowlane financial roadmaps?
什麼特徵使快車道與人行道和慢車道的理財藍圖有所不同？
Answer:The Fastlane distinguishes itself through its focus on Controllable Unlimited Leverage (CUL), where individuals can create and manage their business systems to achieve rapid wealth creation. In contrast, the Sidewalk lacks a financial plan, and the Slowlane focuses on long-term security with minimal control over variables.
答案：快車道透過專注於可控無限槓桿（CUL）來區分自身，在此模式中，個人可以建立並管理自己的商業系統，以達到快速創造財富的目標。相比之下，人行道缺乏財務規劃，而慢車道則聚焦於長期安全，且對變數的控制能力很小。

2.Question2.問題

How can the Fastlane enable someone to retire significantly earlier than traditional methods?
法斯特車道如何讓某人比傳統方法提早許多退休？
Answer:By leveraging business systems that generate significant cash flow and asset value, individuals on the Fastlane can create wealth much faster, potentially retiring in just six years compared to the decades required by traditional employment.
藉由建立能產生大量現金流和資產價值的商業系統，法斯特車道上的人可以更快速地創造財富，可能只需六年就能退休，而不像傳統就業需要數十年的時間。

3．Question3. 問題

What metaphor is used to compare Fastlane success to
以下是翻譯：使用了什麼隱喻來將快速車道成功與

historical events？歷史事件做比較？

Answer：The Fastlane is compared to the Industrial Revolution，where systematization and mechanization allowed for rapid production and wealth generation，much like how business systems enable faster accumulation of financial success．
答案：快速車道被比喻為工業革命，在工業革命中，系統化和機械化讓生產和財富創造得以快速進行，就像企業系統如何能加速財務成功的累積。

4．Question4. 問題

What lesson can be learned from the story of Chuma and Azur in their pyramid－building task？
從楚馬和阿祖爾在金字塔建造任務中可以學到什麼教訓？
Answer：Chuma＇s success illustrates the importance of building systems and leveraging technology to achieve goals efficiently，whereas Azur＇s failure exemplifies the pitfalls of hard work without strategy．The key takeaway is that working smarter，not harder，leads to wealth creation．
楚瑪的成功說明了建立系統並善用科技以有效達成目標的重要性，而阿祖爾的失敗則展現了不具策略的努力會導致的陷阱。重點是要聰明地工作，而不是拼命地工作，這才能創造財富

5．Question5. 問題

What is the significance of the wealth equation presented in the Fastlane？
在快速致富之道中所提出的財富方程式有什麼重大意義？

Answer：The wealth equation（Wealth $=$ Net Profit + Asset
財富方程式（財富 = 淨利潤 + 資產）

Value）underscores the Fastlane principle that wealth is determined not only by profits but also by the value of the assets created through business systems．
「價值」凸顯了快速致富原則，即財富不僅取決於利潤，還取決於透過商業系統所創造的資產價值

6．Question6. 問題

What perception about wealth and money fundamentally changes for someone on the Fastlane？
對於走上快速致富之路的人來說，對於財富和金錢的根本看法會如何改變？
Answer：Fastlaners believe that money is abundant and reflects the value they＇ve created，shifting the focus from scarcity to an abundance mindset where money becomes a byproduct of serving others．
答案：速道族相信金錢是豐沛的，並反映出他們所創造的價值，將焦點從稀缺轉移到豐盈的心態，讓金錢成為服務他人的副產品。

7．Question7. 問題

How does the Fastlane approach time compared to traditional wealth－building methods？
速道族如何看待時間，與傳統致富方法有何不同？
Answer：In the Fastlane，time is viewed as the most valuable asset，emphasizing efficiency；whereas the Slowlane typically accepts a lengthy process of gradual wealth accumulation，often leading to a lifetime of labor．
答案：在速道族的觀點中，時間被視為最寶貴的資產，強調效率；而慢道族通常接受緩慢累積財富的冗長過程，往往導致窮盡一生的勞動。

8．Question8. 問題

What warning does the chapter give regarding＇Get Rich Quick＇schemes？
該章節對「暴富快速」計畫發出什麼警告？

Answer：The chapter distinguishes＇Get Rich Quick＇from＇Get Rich Easy＇，making it clear that while the former reflects legitimate business opportunities through effort and process， the latter often entails scams and false promises that lead to loss．
答案：該章節區分了「暴富快速」與「輕鬆致富」，明確指出前者反映透過努力和過程的合法商業機會，而後者通常涉及會導致損失的詐騙和虛假承諾。

9．Question9. 問題

Why is it said that the Fastlane is not for everyone？ Answer：The Fastlane requires a commitment to hard work， strategic risk－taking，and the development of entrepreneurial skills，which may not appeal to or suit everyone＇s personality or circumstances．
為什麼說快速致富之路並非適合每個人？答案：快速致富之路需要致力於努力工作、策略性風險承擔，以及發展企業家技能，這可能不適合或不吸引每個人的個性和環境。

10．Question10. 問題

What is the ultimate goal for someone following the Fastlane strategy？
遵循快速致富策略的最終目標是什麼？
Answer：The ultimate goal for Fastlaners is to achieve lifetime passive income through their business systems or investments，allowing them to live freely and pursue their passions without financial constraints．
對於快速通道者來說，最終目標是透過他們的商業系統或投資，獲得終身被動收入，讓自己能夠自由生活，並在不受財務限制的情況下追求夢想

Chapter 17 ｜Switch Teams and Playrooks｜Q\＆A
第 17 章｜轉換隊伍與打法｜問與答

1．Question1. 問題

What is the main idea of Chapter 17，＇Switch Teams and Playbooks＇？
第 17 章「轉換隊伍與打法」的主要概念是什麼？
Answer：The main idea is about shifting your mindset from being a consumer to becoming a producer．It emphasizes that to create wealth rapidly and effectively，one must adopt the＇producer＇ perspective，moving away from the limitations of consumption and focusing on providing value to others．
回答：主要概念是將心態從消費者轉變為生產者。強調要快速且有效地創造財富，必須採取「生產者」的觀點，擺脫消費的侷限性，並專注於為他人提供價值

2．Question2. 問題

How does switching teams influence financial success
轉換職涯道路如何影響財務成功

according to the chapter？
依照章節內容？

Answer：Switching from Team Consumer to Team Producer allows individuals to leverage their skills，creativity，and business acumen to create wealth．Producers control their financial destiny through innovation and entrepreneurship， whereas consumers remain limited by their spending habits．
從消費者陣營轉換到生產者陣營，讓個人能夠運用他們的技能、創造力和商業敏感度來創造財富。生產者透過創新和創業掌控自身的財務命運，而消費者則受限於消費習慣

3．Question3. 問題

What does it mean to have a producer mindset？
擁有生產者思維是什麼意思？

Answer：A producer mindset involves actively seeking opportunities to create value rather than simply consuming products．It encourages individuals to think critically about how they can contribute to markets，whether that means selling products rather than buying them，or creating services that meet consumer needs．
生產者的思維模式涉及主動尋找創造價值的機會，而不僅僅是消費產品。它鼓勵個人批判性地思考如何對市場做出貢獻，無論是銷售產品而非購買，或是創造能滿足消費者需求的服務。

4．Question4. 問題

Can you give an example of how someone can apply the producer mindset in daily life？
你能舉個例子，說明某人如何在日常生活中運用生產者思維嗎？
Answer：Instead of simply buying the latest gadget as a consumer，someone with a producer mindset might consider inventing a complementary product or service，such as an accessory for the gadget．They can also think about teaching others how to use the gadget effectively，thus creating a class or tutorial that generates income．
不同於單純購買最新科技產品的消費者，具有生產者思維的人可能會考慮發明一款該產品的配件或相關服務，例如為該科技產品開發一個配件。他們還可以思考如何教導他人有效使用該產品，並透過開設課程或教學影片來創造收入

5．Question5．問題

What role does entrepreneurship play in the Fastlane roadmap？
創業在快速致富路線圖中扮演什麼角色？

Answer：Entrepreneurship is central to the Fastlane roadmap
答案：創業是快速致富路線圖的核心
because it enables individuals to establish businesses that are not bound by time or traditional employment compensation structures. Entrepreneurs can create systems that generate income independently of their direct involvement, leveraging their efforts to multiply wealth.
因為它使個人能夠建立不受時間或傳統職業薪酬結構限制的企業。企業家可以創造出獨立於直接參與之外的收入系統，藉此放大自身努力來增加財富。

6. Question6. 問題

What is the significance of the phrase 'To consume richly, produce effectively'?
「要奢侈地消費，就要有效率地生產」這句話有什麼重要意義？

Answer:This phrase highlights the irony that true wealth and the ability to consume luxuriously come from successful production. By focusing on producing quality goods or services and creating wealth first, an individual positions themselves to enjoy a high level of consumption without negative financial consequences.
這句話突顯了一個諷刺的現象：真正的財富和奢華消費能力來自於成功的生產。透過專注於生產高品質的商品或服務，並首先創造財富，個人可以在不會造成負面財務影響的情況下享受高水準的消費。

7.Question7.問題

Why is it important to analyze advertising messages from a producer's perspective?
為什麼從生產者的角度分析廣告訊息如此重要？

Answer:Analyzing advertisements from a producer’s perspective allows individuals to understand the underlying
從生產者的角度分析廣告，可以讓個人了解其潛在
tactics and strategies used in marketing．This knowledge can empower them to become better producers by recognizing what works in attracting consumers，thereby enhancing their own marketing efforts when they offer their products or services．
市場行銷中使用的策略與手法。這些知識可以協助他們透過辨識吸引消費者的有效方法，成為更優秀的生產者，從而在提供自身產品或服務時，提升自身的行銷成效

8．Question8. 問題

What risks might someone face if they remain stuck in a consumer mindset？
如果一個人陷入消費者思維，可能會面臨哪些風險？

Answer：Remaining in a consumer mindset can lead to financial instability，dependency on wages，and limited growth opportunities．It typically results in prioritizing short－term gratification over long－term wealth－building and can keep individuals trapped in a cycle of debt and consumption．
回答：留在消費者思維中，可能導致財務不穩定、對薪資的依賴，以及成長機會有限。通常會優先考慮短期滿足而非長期財富累積，並可能使個人陷入債務和消費的惡性循環。

9．Question9. 問題

How does the author define the difference between a job and a Fastlane business？
作者如何定義工作與快速致富事業之間的差異？

Answer：A job is seen as a limited means of earning income that often reinforces a consumer mindset，while a Fastlane
回答：工作被視為收入有限的方式，往往強化消費者思維，而快速致富事業則是
business is a vehicle for wealth creation that operates on principles of leverage，scalability，and profitability．Fastlane businesses can work independently of the owner＇s time commitment，enabling greater financial freedom．
事業是一種根基於槓桿、可擴展性和獲利性原則的財富創造工具。快速致富的事業可以獨立於業主的時間承諾，從而實現更大的財務自由。

10．Question10. 問題

How can understanding the Fastlane wealth equation change someone＇s approach to money？
瞭解快速致富的財富方程式如何改變一個人對金錢的態度？
Answer：Understanding the Fastlane wealth equation，which emphasizes profits and asset value，encourages individuals to focus on creating systems that generate limitless income． This perspective shifts their approach from earning limited wages to seeking opportunities to create significant wealth through innovative business ventures．
答：瞭解快速致富的財富方程式，著重於利潤和資產價值，鼓勵個人專注於建立能夠產生無限收入的系統。這種觀點將人們的思維模式從獲取有限的工資，轉變為尋求透過創新商業機會創造可觀財富的機會

Chapter 18 ｜How the Rich Really Get Rich｜Q\＆A
第 18 章｜富人真正致富的方法｜問與答

1．Question1. 問題

What is the primary reason people believe they can＇t get rich without fame or luck？
人們相信若沒有名氣或運氣就無法致富的主要原因是什麼？

Answer：People often think wealth comes only from being famous，inheriting wealth，or winning the
人們常常認為財富只能來自於成名、繼承或中獎，
lottery because these are the most visible and external pathways to riches．This belief creates a mindset that wealth is unattainable without extraordinary circumstances，which discourages them from exploring other，more actionable paths like entrepreneurship．
彩票是因為這些是最明顯和外在的致富管道。這種信念造成一種心態，認為若沒有非凡的環境，財富是不可企及的，這使他們不願意探索其他更可行的道路，例如創業

2．Question2. 問題

How does the Fastlane wealth equation differ from traditional views of wealth accumulation？
快車道財富方程式與傳統財富累積觀點有何不同？

Answer：The Fastlane wealth equation challenges traditional views by emphasizing controllable and unlimited variables that allow individuals to generate wealth quickly rather than relying solely on time，such as saving a percentage of salary over decades．It promotes active manipulation of income streams and asset values rather than passive methods．
答案：快車道財富方程式藉由強調可控制且無限的變數，讓個人能快速創造財富，而不僅僅依賴長期儲蓄薪資的一小部分。它提倡主動操作收入流及資產價值，而非被動方法

3．Question3. 問題

What does the equation＇Wealth＝Net Profit＋Asset Value＇imply about building wealth？
財富方程式「財富 = 淨利潤 + 資產價值」意味著什麼？
Answer：This equation suggests that wealth is derived from
解答：這個方程式暗示財富來自於
both the profit generated from business activities and the value of the assets one controls．By focusing on generating higher net profits and increasing asset values，individuals can rapidly enhance their overall wealth．
商業活動產生的利潤以及個人控制的資產價值。透過專注於提高淨利潤和增加資產價值，個人可以迅速提升整體財富。

4．Question4. 問題

Why is it crucial to focus on raising units sold and unit profit rather than simply working more hours？
為什麼專注於提高銷售單位數和單位利潤，比單純增加工作時數更為重要？
Answer：Focusing on raising units sold and unit profit addresses the scalability of income potential．Unlike time， which is limited to 24 hours a day，increasing sales or profit margins can potentially multiply income exponentially， leading to faster wealth accumulation．
答案：專注於提高銷售單位數和單位利潤可以解決收入潛力的可擴展性。與每天只有 24 小時的時間不同，增加銷售額或利潤率可以潛在地指數性地增加收入，從而加速財富積累。

5．Question5. 問題

In what ways can entrepreneurs create limitless variables in their wealth equations？
企業家如何在其財富方程式中創造無限的變數？
Answer：Entrepreneurs can create limitless variables by innovating their products／services to increase demand， enhancing marketing strategies to reach larger audiences，or optimizing pricing for higher profits．This elasticity allows
答案：企業家可以透過創新產品/服務以提高需求、強化行銷策略以觸及更大的受眾，或優化定價以獲得更高利潤來創造無限的變數。這種彈性允許
their wealth potential to expand significantly．
他們的財富潛力可以大幅擴增。

6．Question6. 問題

What does the term＇Asset Value＇entail，and how does it relate to wealth？
「資產價值」這個詞彙意味著什麼，它與財富有何關聯？
Answer：Asset Value refers to the worth of investments or businesses that can appreciate over time．It is critical to wealth because it translates profits into a tangible market value that can be realized through liquidation or sale， enabling financial freedom．
解答：資產價值是指可隨時間增值的投資或事業的市值。它對財富至關重要，因為它將利潤轉化為可透過清算或出售實現的具體市場價值，進而促進財務自由

7．Question7. 問題

What is a liquidation event and how does it relate to wealth acceleration？
什麼是清算事件？它與財富加速有什麼關係？
Answer：A liquidation event occurs when a business sells its assets for capital，allowing entrepreneurs to transform theoretical wealth on paper into real cash．This process is essential for wealth acceleration as it solidifies the financial gains made through increasing asset values．
答案：清算事件是指企業出售其資產以換取資本，讓企業家能將帳面上的理論財富轉變成實際現金。這個過程對於財富加速至關重要，因為它鞏固了透過資產增值所獲得的財務收益。

8．Question8. 問題

How does the lifestyle and success story of individuals like Sheila Hinton illustrate the principles of the Fastlane？
像希拉·希頓這樣的人，他們的生活方式和成功故事如何闡明快車道的原則？

Answer：Sheila＇s journey from a technician to a successful business owner showcases how focusing on controllable assets and scaling a business can lead to significant wealth． Her ability to grow and sell her business illustrates the conversion of effort，strategy，and market potential into substantial financial independence．
雪兒從技術人員成長為成功的企業主，展現了專注於可控資產和擴大企業規模如何能帶來可觀的財富。她成長並成功出售公司的能力，充分說明了如何將努力、策略和市場潛力轉化為實質性的財務獨立。

9．Question9. 問題

Why is it essential for Fastlaners to manipulate both net profit and asset value simultaneously？
為什麼快速道路投資者同時操控淨利和資產價值如此重要？
Answer：By manipulating both simultaneously，Fastlaners ensure exponential growth；increasing net profit raises asset value while enhancing overall wealth．It creates a compounding effect，where gains in one area directly impact and amplify the other．
答：透過同步操控這兩個面向，快速道路投資者確保了指數型成長；提高淨利會提升資產價值，同時增強整體財富。這造成一種複利效應，其中某一領域的收益能直接影響並放大另一個領域

10．Question10. 問題

What is the significance of understanding one＇s wealth acceleration factor（WAF）and how does it differ between traditional and Fastlane approaches？
了解個人的財富加速因子（WAF）有什麼重要性？它與傳統和快速通道方法有何不同？
Answer：Understanding WAF allows entrepreneurs to assess the potential for wealth growth in their ventures．While
回答：了解 WAF 可以讓企業家評估其商業機會的財富成長潛力。雖然
traditional methods may yield predictable，low returns often relying on time and savings，the Fastlane approach reveals much higher potential acceleration，empowering individuals to take calculated risks and drive significant financial success．Was evident. Throughout history Britain ispower to only country that mobilized state
傳統方法可能會帶來可預測的低報酬，通常仰賴時間和儲蓄，而快速通道方法則展現更高的加速潛力，賦予個人採取審慎風險並驅動顯著的財務成功。歷史上顯示，英國是唯一動員國家

Why Bookey is must have App for Book Lovers
為什麼 Bookey 是書籍愛好者必備的 App

30 min Content30 分鐘內容

The deeper and clearer interpretation we provide, the better grasp of each title you have.
我們提供的解讀越深入、越清晰，您對每個標題的理解就越透徹。

Text and Audio format
文字和音訊格式

Absorb knowledge even in fragmented time.
即使在零碎時間也能吸收知識。

ニン $\overset{ˇ}{x}$ 您好 $\overset{ˇ}{x}$

Quiz測驗

Check whether you have mastered what you just learned.
檢查您是否已掌握剛才學到的內容

$Δ O$ OD $Δ O$ 客戶開發

And more而且更多

Multiple Voices & fonts, Mind Map, Quotes, IdeaClips…
多重聲音與字型、心智圖、引言、想法剪輯……

Chapter 19 | Divorce Wealth from Time| Q&A
第 19 章 | 與時間切割財富 | 問與答

1.Question1. 問題

What is the main idea of ‘Divorcing Wealth from Time’? Answer:The main idea is to break the link between time and money by creating systems that generate wealth passively, allowing individuals to own their time rather than trading it for income.
「與時間切割財富」的主要概念是什麼？答：主要概念是透過創建能夠被動產生財富的系統，打破時間與金錢之間的關聯，讓個人擁有自己的時間，而非為了收入而交換時間。

2.Question2. 問題

How did the author’s financial situation change during a tough period in his life?
作者的財務狀況在他生命中的艱困時期如何改變？
Answer:During a difficult life phase, the author’s income actually grew despite him being less productive because he had created a business system that generated income independent of his direct efforts.
答案：在一個困難的人生階段，儘管作者工作效率較低，但他的收入實際上卻成長了，因為他建立了一個可以不依賴他直接努力就能產生收入的商業系統。

3.Question3.問題

What does passive income represent in the context of financial freedom?
在財務自由的脈絡下，被動收入代表什麼？
Answer:Passive income represents the ability to earn money without actively working, which is crucial for achieving financial freedom and the potential to ‘retire’ at any age.
答案：被動收入代表了在不需主動工作的情況下賺錢的能力，這對於實現財務自由及在任何年齡都有退休的潛力至關重要。

4．Question4. 問題

What are business systems and why are they important？
什麼是商業系統，為什麼它們很重要？

Answer：Business systems act as surrogate operators， generating income without the owner＇s direct involvement， making them essential for divorcing time from money．
答案：商業系統如同替代操作者，能在沒有業主直接參與的情況下產生收入，使得時間與金錢脫鉤，這使它們成為至關重要的機制。

5．Question5. 問題

Can anyone truly retire with passive income？
誰能真正以被動收入達到退休？
Answer：Yes，anyone can achieve retirement status if their passive income consistently exceeds their lifestyle expenses， regardless of their age．
答案：是的，只要被動收入持續超過生活開支，不論年齡，任何人都可以達到退休狀態。

6．Question6. 問題

What are the key characteristics of a＇money tree＇？ Answer：A money tree is a business system that operates independently to generate income passively，requiring minimal direct time investment from the owner．
什麼是「金錢樹」的關鍵特徵？答案：金錢樹是一種獨立運作的商業系統，可以被動地產生收入，且不需要創業者投入太多直接的時間。

7．Question7. 問題

What are the five＇money tree＇seedlings outlined by the author？
作者概述了哪五種「金錢樹」幼苗？

Answer：The five money tree seedlings are：1．Rental Systems，2．Computer／Software Systems，3．Content
答案：五種金錢樹幼苗是：1. 租賃系統，2. 電腦／軟體系統，3. 內容

Systems, 4. Distribution Systems, and 5. Human Resource Systems.
系統、4. 分銷系統以及 5. 人力資源系統。

8.Question8. 問題

How does investing in rental systems benefit passive income generation?
投資租賃系統如何有助於被動收入的產生？
Answer:Rental systems, such as real estate or licensing, provide consistent income streams that are largely independent of the owner’s direct involvement, enhancing passive income.
答案：租賃系統，例如不動產或授權，能提供穩定的收入來源，且大致不需要所有人直接參與，藉此提升被動收入。

9.Question9.問題

What is the risk of conventional entrepreneurial ventures,
傳統創業的風險是什麼，

like franchises, according to the author?
根據作者的看法，像是特許經營權一樣？

Answer:Conventional ventures, such as franchises, often trap entrepreneurs in a cycle of work-for-money, sacrificing their time and freedom while earning limited income.
傳統的創業模式，如加盟事業，常常會讓企業家陷入工作換取金錢的循環，犧牲自己的時間和自由，同時卻只能賺取有限的收入。

10.Question10.問題

What is the significance of distribution systems in business?
企業中的配銷系統有什麼重要性？
Answer:Distribution systems are crucial for bringing products to market efficiently; without effective distribution,
答：配銷系統對於有效率地將產品推向市場極其關鍵；若缺乏有效的配銷，
even the best products fail to generate income．
即便是最好的產品也可能無法創造收入

11．Question11. 問題

What role do human resource systems play in business operations？
人力資源系統在企業營運中扮演什麼角色？
Answer：Human resource systems can increase complexity and costs in a business，and while good employees can foster growth，bad ones can hinder profitability and efficiency．
回答：人力資源系統可能會增加企業的複雜性和成本，而好的員工可以促進成長，壞的員工則可能阻礙獲利能力和效率。

12．Question12. 問題

What lesson can be drawn about the relationship between effort and income？
從努力與收入之間的關係，可以得出什麼樣的啟示？

Answer：Income can be generated through smart systems rather than sheer effort，highlighting the importance of creating scalable，passive income sources．
收入可透過智慧系統而非單純的努力產生，突顯建立可擴充、被動收入來源的重要性

13．Question13. 問題

How does the concept of＇money growing on trees＇ challenge traditional beliefs about wealth？
「金錢像樹一樣生長」這個概念如何挑戰了對財富的傳統看法？
Answer：It reframes the idea that wealth must require hard， continuous work；instead，it emphasizes that with the right entrepreneurial approach，wealth can be generated naturally and passively．
回答：它重新定義了財富必須要持續且辛勤工作的想法；相反地，它強調只要採用正確的創業方式，財富就能自然且被動地產生。

14．Question14. 問題

Why should aspiring entrepreneurs be cautious about the advice to＇do what you love＇？
為什麼有抱負的創業者應該對「做你熱愛的事」這個建議保持警戒？
Answer：This advice can mislead them into creating businesses that do not generate passive income and thus result in trading time for money，trapping them in work without true freedom．
回答：這個建議可能會誤導他們創立無法產生被動收入的事業，結果就是用時間換取金錢，陷入工作中而失去真正的自由

15．Question15.問題

What does the author mean when he says time should work for you？
作者當他說時間應該為你工作是什麼意思？
Answer：It means establishing systems or businesses that produce income even when you＇re not actively working，thus freeing you to spend your time as you wish．
回答：這意味著建立系統或企業，即使你不在積極工作時也能產生收入，從而讓你自由地按照自己的意願安排時間。

Chapter 20 ｜Recruit Your Army of Freedom Fighters｜Q\＆A
第 20 章｜招募你的自由戰士軍團｜問與答

1．Question1. 問題

What is the primary difference in mindset between Fastlaners and Slowlaners regarding wealth creation？ Answer：Fastlaners focus on creating income and leveraging large sums of money to generate passive
快車道與慢車道在財富創造心態上的主要差異是什麼？回答：快車道者專注於創造收入，並運用大筆資金來產生
income，whereas Slowlaners are more inclined to save small amounts，relying on compound interest over long periods which often leads to frustration and delayed wealth．
收入，而緩速車道的人更傾向於儲蓄小額金錢，依賴長期複利，這往往導致挫折和財富延遲。

2．Question2. 問題

How can one view a saved dollar according to DeMarco？ Answer：A saved dollar is seen as the seed of a money tree or a＇freedom fighter＇added to your army，symbolizing its potential to generate passive income and increase financial freedom．
根據德馬科的觀點，如何看待一塊已儲蓄的錢？答案：一塊已儲蓄的錢被視為金錢樹的種子，或是加入自己陣營的「自由鬥士」，象徵其產生被動收入和增加財務自由的潛力。

3．Question3．疑問

What metaphor does DeMarco use to explain the power of compound interest？
德馬科使用什麼比喻來解釋複利的力量？

Answer：He compares compound interest to a tidal wave， stating that its full force and potential are not visible until it reaches shore，which symbolizes the necessity of leveraging large amounts of money for effective wealth generation．
答案：他將複利比喻成潮汐，表示其全部力量和潛力要到達岸邊才會顯現，這象徵著必須運用大量資金才能有效創造財富

4．Question4. 問題

Why are savers considered winners instead of losers？
為什麼儲蓄者被視為贏家而非失敗者？

Answer：Savers are considered winners because they
答案：儲蓄者被視為贏家，因為他們
eventually transition into lenders and investors，creating opportunities for passive income and wealth accumulation．
最終會轉變為放款者和投資者，創造被動收入和財富累積的機會。

5．Question5. 問題

What is the best passive income venue mentioned in the chapter？
在本章中提到的最佳被動收入管道是什麼？
Answer：The best passive income venue is money itself，as having capital allows individuals to lend and collect interest， transforming them from consumers to producers．
答案：最佳的被動收入管道就是錢本身，因為擁有資本可以讓個人借出資金並收取利息，將他們從消費者轉變為生產者。

6．Question6. 問題

How does DeMarco illustrate the concept of earning passive income through large sums of money？
DeMarco 是如何說明透過大筆資金賺取被動收入的概念？
Answer：DeMarco provides an example where lending

$ 10

million at a 5\％interest rate yields

$ 41, 666

in monthly passive income，demonstrating how significant capital can generate substantial earnings without active management．
答案：DeMarco 提供了一個範例，借出

$ 10

百萬元，以 5%的利率可以每月獲得

$ 41, 666

的被動收入，展示了龐大資本如何在不需主動管理的情況下產生可觀的收益

7．Question7. 疑問

What lesson can be drawn about the relationship between money and personal freedom？
金錢與個人自由之間的關係能帶來什麼樣的啟示？
Answer：Money acts as an army of freedom fighters；the more you save and invest，the more financial freedom and time you
答案：金錢就像是一支追求自由的軍隊；你存錢和投資越多，獲得的財務自由和時間就越多
gain，breaking the traditional link between time spent working and money earned．
開創財富，打破時間與收入之間的傳統關聯

8．Question8. 問題

What fundamental concept does DeMarco emphasize about wealth creation for the rich？
德馬科強調，對於富人而言，財富創造有什麼根本性的概念？

Answer：He emphasizes that the wealthy do not rely solely on the stock market or keeping money tied up in savings； instead，they create wealth through businesses and leverage investments to generate liquidity and income．
答：他強調，富有的人並不僅僅依賴股市或將錢存入儲蓄帳戶；相反地，他們透過建立企業及運用投資來產生流動性和收入。

9．Question9. 問題

In what way is the perception of a dollar crucial for financial success？
一元錢的觀念對於財務成功有何重要性？

Answer：The perception of a dollar as not merely a means to indulge but as a tool for creating a money－generating system is crucial；it shifts one＇s approach from consumer focus to an active investment mentality．
答：將一元錢視為不僅是用於消費，而是作為創造賺錢系統的工具，這種觀念至關重要；它將個人的思維從消費者導向轉變為主動投資的心態

10．Question10. 問題

What is DeMarco＇s stance on the role of compound interest in wealth building？
Answer：DeMarco suggests that while compound interest can
DeMarco 對於複利在財富累積中的角色持什麼立場？答案：DeMarco 認為，雖然複利可以

contribute to income, it is not the primary vehicle for wealth creation; rather, wealth is built through entrepreneurial efforts and leveraging financial assets.
有助於收入，但它並不是財富創造的主要工具；相反地，財富是透過企業家精神和槓桿運用金融資產來建立的。

Chapter 21 | The Real Lwa of Wealth| Q&A
第 21 章 | 財富的真正法則 | 問與答

1.Question1.問題

What is the main idea of the Law of Effection as presented in this chapter?
本章所提出的影響力法則（Law of Effection）的主要觀點是什麼？
Answer:The Law of Effection states that the more lives you affect in scale and/or magnitude, the richer you will become. Essentially, if you want to make money, you need to impact millions or solve significant problems for a smaller number of people.
影響力法則指出，你影響的生命越多，無論是在規模或程度上，你就會變得越富有。基本上，如果你想賺錢，你需要影響數百萬人，或是為少數人解決重大問題。

2.Question2.問題

How does the author critique the Law of Attraction?
作者如何批評吸引力法則？

Answer:The author criticizes the Law of Attraction by arguing that positive thinking and visualization alone do not create wealth or success. Instead, he emphasizes the need for action and the mathematical principles underlying true wealth.
作者批評祈福定律（Law of Attraction），認為僅憑正面思考和想像並不能創造財富或成功。相反地，他強調行動的必要性以及財富背後的數學原理。

3．Question3. 問題

Can you give an example to illustrate the difference between scale and magnitude？
你能舉個例子來說明規模和量級的差異嗎？
Answer：An example of scale would be selling 20 million pens at a profit of 75 cents each，leading to significant wealth despite the low price per item．Conversely，an example of magnitude would be running an apartment complex with 400 units，making \＄100 from each unit，thus creating substantial income by providing high－value shelter．
規模的一個範例是銷售 2,000 萬支筆，每支賺取 0.75 美元的利潤，儘管每個項目的單價很低，但仍可創造可觀的財富。相反地，量級的範例是經營一棟擁有 400 個單位的公寓大樓，每個單位賺取 100 美元，透過提供高價值的住宿來創造可觀的收入。

4．Question4. 問題

What does the phrase＂Think big to earn big＂imply in the context of this chapter？
在本章節的語境中，「大思考就能大賺錢」這句話意味著什麼？
Answer：This phrase suggests that to achieve significant wealth，one must aim to make a large impact，whether through touching many lives（scale）or providing immense value to a few（magnitude）．It emphasizes the need for ambitious goals and actions．
答案：這句話意味著要達到顯著的財富，必須致力於產生重大影響，無論是通過觸及許多人的生活（規模）或為少數人提供龐大的價值（力度）。這強調了設定宏大目標和採取行動的必要性。

5．Question5. 問題

Why does the author believe that traditional methods of thinking about wealth are flawed？
作者為何認為傳統的財富思考方法是有缺陷的？

Answer：The author believes that traditional methods，such as the Law of Attraction，are flawed because they do not account for the mathematical reality of wealth generation， which relies on actual impacts made in the world rather than just positive thinking．
答案：作者認為傳統方法，如「吸引力法則」，是有缺陷的，因為它們並未考慮財富產生的數學現實，真正的財富依賴於在現實世界中實際產生的影響，而不僅僅是正面思考

6．Question6. 問題

What is one actionable takeaway from the Law of Effection？
法則的一個可執行的收穫是什麼？

Answer：One actionable takeaway is to focus on creating products or services that can impact a large audience or provide significant value to a smaller audience，thus leveraging both scale and magnitude to generate wealth．
答案：一個可執行的收穫是專注於創造能夠影響大量受眾或為小眾提供重大價值的產品或服務，藉此利用規模和影響力來創造財富。

7．Question7. 問題

How can understanding mathematics help in achieving wealth according to the chapter？
根據本章，數學理解如何幫助實現財富？

Answer：Understanding mathematics helps in achieving wealth by providing a clear framework to analyze how to affect lives positively．It shows that success comes from measurable actions that create value，rather than relying on
答案：數學理解透過提供明確的框架，幫助分析如何對生活產生正面影響。它顯示成功來自於可衡量且創造價值的行動，而非依賴
abstract theories．抽象理論。

8．Question8. 問題

What does the author suggest is necessary for turning
作者認為要將想法

thoughts into wealth？轉化為財富，需要什麼？

Answer：The author suggests that consistent action and commitment are necessary for turning thoughts into wealth． It＇s not enough to think positively；one must actively pursue goals and create value through tangible efforts．
答案：作者認為要將想法轉化為財富，必須持續行動且全心投入。僅僅正面思考是不夠的；必須積極追求目標，並透過具體的努力創造價值

9．Question9. 問題

How is the Law of Effection applicable to different careers or professions？
法則效應定律如何適用於不同職業或專業？
Answer：The Law of Effection is applicable across various professions by emphasizing that anyone who can influence many people（like entertainers or executives）or provide high－value services to a few（like surgeons）has the potential to earn substantial wealth．
回答：法則效應定律適用於各種職業，強調能夠影響許多人（如藝人或高階主管）或為少數人提供高價值服務（如外科醫生）的人，都有機會獲得可觀的財富。

10．Question10. 問題

What role does serving others play in the Law of
服務他人在「成功法則」中扮演什麼角色？

Effection？效應？

Answer：Serving others is central to the Law of Effection，as
為他人服務是效果法則的核心，因為
wealth is a direct result of the value provided to others．The more lives you positively influence，the more wealth you can attract．
財富是對他人提供價值的直接結果。你影響的生命越多，你就能吸引越多的財富

Positive feedback正面回饋

Awesome app!超棒的應用程式！

Rahul Malviya拉胡爾·馬爾維亞

I love audiobooks but don’t always have time to listen to the entire book! bookey allows me to get a summary of the highlights of the book I’m interested in!!! What a great concept !!!highly recommended!
我很喜歡有聲書，但並不總是有時間聽完整本書！bookey 讓我能夠獲得我感興趣的書籍摘要！！！這是多麼棒的概念啊！！！強烈推薦！

Wonnie Tappkx旺尼·塔普克斯

Love it!
\section{Love it!}
太愛了！\section{太愛了！}

sé Botín澤‧波丁
ding habit 's design ral growth
習慣的設計自然成長

Fantastic!!!太棒了！！！

Masood El Toure馬蘇德‧艾托雷

I’m amazed by the variety of books and languages Bookey supports. It’s not just an app, it’s a gateway to global knowledge. Plus, earning points for charity is a big plus!
我對 Bookey 支援的書籍和語言種類感到非常驚豔。它不僅僅是一款應用程式，更是通往全球知識的大門。而且，為慈善機構賺取點數是一大亮點！

Time saver!省時神器！

Bookey is my go-to app for summaries are concise, in curated. It’s like having acc right at my fingertips!
Bookey 是我的必備 App，摘要簡潔精準。就像隨時都能掌握知識一樣！

Beautiful App漂亮的應用程式

Alex Wall亞歷克斯·沃爾

This app is a lifesaver for book lovers with busy schedules. The summaries are spot on, and the mind maps help reinforce wh I’ve learned. Highly recommend!
對於工作忙碌的書迷來說，這款應用程式簡直是救星。摘要內容精準，心智圖更能幫助我鞏固所學。強烈推薦！

Free Trial with Bookey
Bookey 免費試用

Chapter 22 | Own Yourself First| Q&A
第 22 章 | 首先擁有自我 | 問與答

1.Question1.問題

What does it mean to ‘own yourself’ in the context of achieving wealth?
在追求財富的脈絡中，「擁有自己」意味著什麼？
Answer:To ‘own yourself’ means taking full control of your financial decisions and destiny. It involves being your own boss, operating a business entity that shields your personal assets from liability, and fostering an environment where you can prioritize paying yourself before other obligations, specifically taxes.
擁有自己意味著對自身的財務決策和命運擁有完全的控制權。這包括成為自己的老闆、運營一個可以保護個人資產免於承擔責任的商業實體，並創造一個環境，讓你能夠在其他義務（特別是稅款）之前優先支付自己。

2.Question2.問題

Why is ‘pay yourself first’ seen as flawed advice for those in a job?
為什麼「先支付自己」被視為對在職者來說是有缺陷的建議？
Answer:This advice is flawed because when you’re employed, a significant portion of your income is taken by taxes and other deductions before you receive your paycheck. Hence, the concept of paying yourself first becomes impractical since you’re not the first recipient of your earned
這個建議是有缺陷的，因為當你受僱工作時，在你收到薪水之前，大部分收入已被稅款和其他扣除項目取走。因此，「先付自己」的概念變得不切實際，因為你並非收入的第一受益人。
money；the government typically collects its share first．
金錢；政府通常會優先收取其份額

3．Question3．疑問

How does forming a corporation help in paying yourself first？
成立公司對於如何優先支付自己有什麼幫助？

Answer：Forming a corporation allows you to create a legal entity that reduces your tax burden．Corporate profits can be deducted from taxable income，which allows you to have more control over when and how you pay taxes，enabling you to effectively pay yourself first more frequently than if you were merely employed．
成立公司可讓你創造一個法律實體，有助於降低稅務負擔。公司利潤可以從應稅收入中扣除，這使你能更靈活地控制何時及如何繳稅，相較於單純的受僱工作，可以更頻繁地實現「先付自己」的財務策略

4．Question4. 問題

What are the recommended business structures
《快速致富》一書推薦的商業結構是什麼

mentioned for＇Fastlane＇businesses and why？ Answer：The recommended business structures are C－Corporation，S－Corporation，and Limited Liability Corporation（LLC）．These structures provide benefits like limiting personal liability and offering tax efficiencies，which are critical for protecting personal assets and maximizing wealth accumulation．
答案：推薦的商業結構包括 C 公司、S 公司和有限責任公司（LLC）。這些結構提供了限制個人責任和稅收效益等優點，對於保護個人資產和最大化財富累積至關重要。

5．Question5. 問題

What important considerations should one have when selecting a business entity？
選擇商業實體時應該考慮哪些重要因素？

Answer：Key considerations include defining your exit strategy，assessing potential liability exposure，determining whether you plan to raise capital，hiring employees，and deciding on your profit timeline．Your responses to these questions will direct you toward the most suitable business structure for your goals．
答案：關鍵考量包括界定你的退出策略、評估潛在責任風險、確定是否計劃籌集資本、聘僱員工，以及決定你的利潤時程。你對這些問題的回應將指引你找到最適合自身目標的商業結構

6．Question6. 問題

What is the significance of taxes in the context of business ownership？
在企業擁有權的背景下，稅務有何重大意義？

Answer：Taxes are a crucial factor because they can significantly impact your financial returns．Business ownership can optimize tax payments，allowing for deferred payments and more control over when taxes are paid，which is essential for wealth accumulation．
答案：稅務是一個關鍵因素，因為它們可能會大幅影響你的財務回報。企業擁有權可以優化稅款支付，允許遞延付款並更靈活地控制稅款繳納時間，這對於財富累積至關重要。

7．Question7. 問題

Why is it advised to avoid sole proprietorships and general partnerships？
為什麼建議避免獨資企業和普通合夥？

Answer:Sole proprietorships and general partnerships are risky forms of business because they do not provide liability protection. If the business faces a lawsuit or financial issues, personal assets are at risk, and you could lose everything.
答案：獨資企業和普通合夥是高風險的商業形式，因為它們無法提供責任保護。如果企業遭遇訴訟或財務問題，個人資產將陷入風險，你可能會失去一切。

8.Question8.問題

How does the chapter highlight the importance of legal advice when forming a business?
本章如何強調在成立企業時法律諮詢的重要性？
Answer:The chapter emphasizes the importance of consulting with qualified professionals such as accountants and attorneys to navigate the complexities of business law, taxes, and choosing the right structure, as these factors can greatly affect your entrepreneurial success.
回答：本章強調諮詢合格專業人士（如會計師和律師）的重要性，以便應對商業法律、稅務和選擇適當企業結構的複雜性，因為這些因素可以大大影響您的創業成功。

9.Question9. 問題

What is the overarching message of Chapter 22?
第 22 章的核心訊息是什麼？

Answer:The overarching message is to take control of your financial journey by owning yourself and your business. Establishing the right business structure not only protects your assets but also positions you to effectively manage your wealth-building strategy.
回答：核心訊息是要掌控自身的財務之旅，透過擁有自己和自己的企業。建立正確的企業結構不僅可以保護您的資產，還能有效地定位您的財富積累策略。

Chapter 23 ｜Life＇s Steering Wheel｜Q\＆A
第 23 章｜人生的方向盤｜問與答

1．Question1. 問題

What is the underlying cause of poorness according to the chapter？
根據該章節，貧窮的根本原因是什麼？
Answer：The leading cause of poorness is poor choices．While circumstances and several symptoms like lack of education or opportunity may contribute，the root problem lies in the choices we make．
貧窮的根本原因是錯誤的選擇。雖然環境和某些因素，如缺乏教育或機會可能有所影響，但問題的關鍵在於我們自己所做的選擇

2．Question2. 問題

How can choices be compared to a steering wheel in our lives？
我們的選擇如何可以比喻為生活中的方向盤？
Answer：Choices are like a steering wheel because they guide the direction of our lives．Just as minor adjustments to a steering wheel can alter a car＇s path over time，our choices can significantly affect our life trajectory，leading us toward wealth or poverty．
選擇就像是方向盤，因為它們引導我們生活的方向。正如對方向盤微小的調整可以隨著時間改變汽車的路徑，我們的選擇也能顯著影響我們的人生軌跡，引領我們走向富裕或貧窮

3．Question3．疑問

What is meant by＇DARE＇in the context of the chapter？
在本章節中，「DARE」指的是什麼意思？
Answer：DARE stands for Downside Asymmetric Risk
答案：DARE 代表下行不對稱風險

Events，referring to treasonous choices that pose high risks and can cause irreparable harm to our lives and dreams．Such choices can erase the positive impact of many good decisions．
事件，指的是那些具有高風險且可能對我們的生活和夢想造成不可挽回傷害的背叛性選擇。這類選擇可以抹殺許多好決定所帶來的正面影響。

4．Question4. 問題

How do choices impact the future according to the chapter？
根據本章節，選擇如何影響未來？
Answer：Every choice made can create a ripple effect， impacting future opportunities and outcomes．The younger you are，the more＇horsepower＇your choices have，meaning they can lead to significantly divergent paths as time goes on．
答：每個做出的選擇都可能產生漣漪效應，影響未來的機會和結果。你越年輕，選擇的「馬力」就越大，意味著隨著時間推移，這些選擇可能會導致截然不同的人生道路。

5．Question5. 問題

What warning is given about treasonous choices？
對於背叛性選擇有什麼警告？
Answer：Treasonous choices，like poor decisions involving drugs，reckless driving，or unethical behavior，can have devastating consequences，such as legal trouble or loss of life，which can irreversibly change the course of one＇s life．
答案：背叛性的選擇，像是涉及毒品的魯莽決定、危險駕駛或不道德的行為，可能會帶來毀滅性的後果，例如法律問題或生命損失，這些都可能徹底改變一個人的人生軌跡。

6．Question6. 問題

What lesson does the author reflect on from his personal experience with poor choices？
作者從個人對糟糕選擇的經驗中反思了什麼教訓？

Answer：The author shares a painful memory of a motorcycle accident due to reckless behavior，highlighting that this choice had long－lasting consequences－chronic pain and regret，illustrating that our choices have repercussions that can transcend decades．
作者分享了一段因魯莽行為而導致的機車事故痛苦回憶，強調這個選擇帶來長久的後果——慢性疼痛和遺憾，闡明我們的選擇可能會產生跨越數十年的影響

7．Question7. 問題

What difference is drawn between thinking about wealth versus choosing wealth？
財富思考與選擇財富之間有什麼差異？

Answer：The text emphasizes that there is a significant difference between merely thinking about wanting to become wealthy and actively choosing actions and lifestyles that align with wealth－building，signifying that consistent choices lead to results．
答案：文本強調，單純想要變得富有，與主動選擇能夠建立財富的行動和生活方式之間存在巨大的差異，意味著持續的選擇會帶來成果。

8．Question8. 問題

What does the author suggest about recognizing the power of choices？
作者建議如何辨識選擇的力量？

Answer：Recognizing that you are the driver of your life can empower you to take responsibility for your circumstances． Acknowledging that every aspect of your life is a result of
認識到你是自己生命的駕駛者，可以讓你對自身處境負起責任。了解到生命中的每一個面向都是
the choices you make allows for introspection and the opportunity to make better decisions.
你所做的選擇讓你能夠進行自我反思，並有機會做出更好的決定。

9.Question9.問題

What metaphor is used to describe the impact of choices over time?
使用什麼比喻來描述選擇隨時間的影響？

Answer:The chapter uses the metaphor of a golf ball being hit to illustrate how small changes in choices can lead to vastly different outcomes over time. It compares this to a tree, where early choices form a thick trunk and later choices are represented as thinner branches that are harder to change.
答案：本章使用高爾夫球被擊出的比喻，來說明小小的選擇變化如何能在長期導致截然不同的結果。它將此比喻為一棵樹，早期的選擇形成粗壯的樹幹，而後來的選擇則像是較細的樹枝，更難以改變。

10.Question10.問題

How can young people take advantage of their 'choice horsepower'?
年輕人如何利用他們的「選擇馬力」？

Answer:Young people have the opportunity to make choices that have a significant impact on their future because their choices have the most potential ‘horsepower.’ They should reflect on and make informed decisions that will shape positive trajectories for their lives.
答案：年輕人有機會做出對未來具有重大影響的選擇，因為他們的選擇具有最大的潛在「馬力」。他們應該反思並做出明智的決定，為自己的生活塑造積極的發展方向。

Chapter 24 | Wipe Your Windshield Clean| Q&A
第 24 章 | 清理擋風玻璃 | 問與答

1．Question1. 問題

What is the core message of Chapter 24 about perception？
第 24 章的核心信息是關於什麼？

Answer：The core message of Chapter 24 is that our choices of perception shape our choices of action． How we perceive our circumstances－whether we see opportunities or barriers－directly influences the actions we take．By clearing our＇windshield＇of negative perceptions，we can foster a mindset that supports achieving our goals．
答案：第 24 章的核心信息是我們的感知選擇塑造了我們的行動選擇。我們如何看待自己的環境——是看到機會還是障礙——直接影響我們採取的行動。透過清除負面感知的「擋風玻璃」，我們可以培養一種有助於實現目標的心態。

2．Question2. 問題

How does the example of the teenager at the gas station illustrate the impact of perception？
加油站的青少年案例如何說明感知的影響？

Answer：The teenager at the gas station believed he would ＇never＇afford a Lamborghini，illustrating a limiting mindset． This perception creates a self－fulfilling prophecy，leading to mediocre results and a lack of ambition．In contrast，the author held a belief that someday he would own a Lamborghini，which inspired aggressive action toward that
青少年在加油站相信他永遠不可能買得起藍寶堅尼，這展現了一種限制性的思維。這種看法造成了自我實現的預言，導致平庸的結果和缺乏抱負。相比之下，作者相信某天他終將擁有一輛藍寶堅尼，這激勵他積極採取行動，朝向那
goal．個目標邁進。

3．Question3. 問題

What are the two types of choices discussed in the chapter？
本章討論的兩種選擇類型是什麼？
Answer：The two types of choices are：1）Choices of perception（thought patterns）and 2）Choices of action （physical actions）．Choices of perception come first， influencing subsequent choices of action．
答案：選擇有兩種類型：1）感知（思考模式）的選擇，以及 2）行動（實際行動）的選擇。感知的選擇排在第一位，並影響後續的行動選擇。

4．Question4. 問題

Why is language significant in shaping our mindset according to the chapter？
根據章節內容，語言為什麼在塑造我們的心態中很重要？
Answer：Language is significant because the words we use， both in our thoughts and when speaking，reflect our mindset． Phrases like＇I think I can＇signal uncertainty，while statements like＇I will＇convey confidence and commitment to success．Thus，using empowering language is crucial for fostering a positive perception and outlook on life．
答案：語言很重要，因為我們在思考和說話時所使用的文字，反映了我們的心態。像是「我覺得我可以」這樣的詞句暗示了猶豫不決，而像是「我將會」這樣的陳述則傳達了信心和對成功的承諾。因此，使用充滿力量的語言對於培養積極正面的觀點和人生態度至關重要

5．Question5．問題

What is the purpose of the Worst Case Consequence Analysis（WCCA）？
什麼是最壞情況後果分析（WCCA）的目的？

Answer：WCCA helps individuals analyze potential outcomes of their decisions to avoid treasonous choices that could derail their success．By thinking through the worst－case scenarios，one can assess the risks involved and make better decisions．
回答：最壞情況後果分析（WCCA）協助個人分析決策的潛在結果，避免可能破壞其成功的背叛性選擇。透過思考最壞的情況，可以評估所涉及的風險並做出更好的決策。

6．Question6．問題

Can you explain the Weighted Average Decision Matrix （WADM）and its purpose？
你能解釋加權平均決策矩陣（WADM）及其目的嗎？

Answer：WADM is a decision－making tool that helps clarify options when faced with significant choices．It involves listing decision factors，assigning weights to their importance，scoring each option，and calculating a final score to determine the most favorable choice．This method facilitates structured decision－making．
解答：加權平均決策矩陣是一種幫助在面臨重大選擇時釐清選項的決策工具。它包括列出決策因素、指派各因素的重要性權重、為每個選項評分，並計算最終分數以確定最佳選擇。這種方法有助於進行結構化的決策。

7．Question7. 問題

How should one view their past according to the chapter？ Answer：One should view their past as something that can be reinterpreted．The chapter emphasizes that memories do not define your future；instead，they can serve either as
根據該章節，一個人應該如何看待自己的過去？答案：一個人應該將過去視為可以重新詮釋的事物。該章節強調，回憶並不決定你的未來；相反地，它們可以作為
cautionary tales or as lessons that promote growth．It＇s essential to focus on the lessons learned rather than the failures experienced．
警示故事，或是促進成長的學習經驗。重要的是要專注於學到的教訓，而非經歷的失敗

8．Question8．問題

What mindset shift does the author encourage in terms of achieving financial success？
作者在實現財務成功方面鼓勵什麼樣的思維轉變？

Answer：The author encourages a mindset shift that embraces the possibility of extraordinary financial success．Believing that wealth can be attained quickly and that traditional paths like retirement and stock markets are not the only routes to wealth is crucial．This belief fuels actions that lead to greater financial opportunities．
答案：作者鼓勵接受非凡財務成功的可能性的思維轉變。相信財富可以迅速獲得，並且傳統路徑如退休金和股市並非通往財富的唯一途徑，這一點至關重要。這種信念驅使採取能帶來更多財務機會的行動。

9．Question9．問題

What does the author suggest to replace limiting beliefs or memories？
作者建議以什麼方式取代限制性的信念或記憶？

Answer：The author suggests replacing limiting beliefs or memories by seeking information and surrounding oneself with people who embody the beliefs one wishes to adopt． Engaging with success stories of those who achieved wealth
作者建議透過尋找資訊並與已實現理想信念的人互動，來取代那些限制性的信念或記憶。積極參與那些已成功獲得財富的人的成功故事
rapidly can inspire a new perspective and motivate one to pursue their own fortunes．
快速致富可以激發全新的視野，並激勵一個人追求自己的財富

10．Question10. 疑問

What is the overall takeaway from Chapter 24 for individuals pursuing their goals？
對於追求目標的個人來說，第二十四章的整體要點是什麼？
Answer：The overall takeaway is that individuals must consciously choose their perceptions and language，analyze their decisions wisely，and not be held back by their past．By wiping the＇windshield＇clean of negative perceptions，anyone can steer their life towards a path of success and fulfillment．
答案：整體而言，個人必須有意識地選擇自己的認知和語言，明智地分析決策，不要被過去所束縛。只要清除內心中負面的想法，任何人都可以引導自己的生活邁向成功和圓滿的道路。

Finish Your Reading Challenge, Donate Books to African Children.
完成你的閱讀挑戰，捐贈書籍給非洲兒童。

The Concept概念

This book donation activity is rolling out together with Books For Africa. We release this project because we share the same belief as BFA: For many children in Africa, the gift of books truly is a gift of hope.
這項書籍捐贈活動與非洲書籍基金會共同推展。我們發起這個計畫，因為我們與非洲書籍基金會有相同的信念：對於非洲的許多兒童來說，書籍就是希望的禮物。

The Rule規則

Your learning not only brings knowledge but also allows you to earn points for charitable causes! For every 100 points you earn, a book will be donated to Africa.
你的學習不僅能帶來知識，還能為慈善事業賺取積分！每 100 分，我們就會捐贈一本書給非洲。

Chapter 25 ｜Deodorize Foul Headwinds｜Q\＆A
第 25 章｜去除惡劣順風｜問與答

1．Question1. 問題

How can we break free from society＇s expectations and beliefs that limit us？
我們要如何擺脫限制我們的社會期望和信念？
Answer：To break free from society＇s expectations， one must adopt extraordinary beliefs and commit to pursuing unconventional paths．This means turning your back on the societal norms that dictate what success is supposed to look like，and instead，actively seeking environments and associations that empower your goals．
解答：要擺脫社會的期望，必須採用非凡的信念並致力於追求非傳統的道路。這意味著要拋棄社會規範所定義的成功模式，反之，主動尋找能夠支持你目標的環境和夥伴關係。

2．Question2. 問題

What role do relationships play in the Fastlane journey？ Answer：Relationships are crucial in the Fastlane journey as they can either serve as accelerants or headwinds．Positive relationships with like－minded，supportive individuals can nurture your growth and provide motivation，whereas toxic relationships can drain energy and distract you from your goals．Evaluating the quality of your relationships is an
關係在快速致富之路上扮演什麼樣的角色？答案：在快速致富之路上，人際關係至關重要，它們可能成為助力或阻力。與志同道合、富有支持性的夥伴建立正面關係，能夠培育你的成長並提供動力，而有毒的人際關係則會耗盡你的能量，並使你偏離目標。持續評估人際關係的品質是一
ongoing necessity．項必要的作為。

3．Question3. 問題

What is meant by＇turning your back to stinky
「背對臭味」是指什麼

headwinds＇？逆風？

Answer：Turning your back to stinky headwinds means actively dismissing the negative opinions and social conditioning that discourage you from pursuing your ambitions．Instead of allowing these external discouragements to slow you down，you make a conscious choice to move forward with your vision in spite of them， using the resistance as fuel for your journey．
背對惡臭的逆風，意味著主動 dismissing 那些阻礙你追求夢想的負面意見和社會框架。不是讓這些外部阻力減緩你的腳步，而是做出有意識的選擇，儘管存在阻礙，仍堅定地朝著自己的願景前進，並將這種阻力轉化為前進的動力。

4．Question4. 問題

What can we learn from the Wright brothers about overcoming societal doubt？
我們能從萊特兄弟身上學到什麼關於克服社會的懷疑？

Answer：The Wright brothers’ story teaches us that innovation often faces skepticism and doubt from society． Just as they had to reject the naysaying to pursue their dream of flight，we，too，must silence societal doubts and believe in our capacity to achieve what others deem impossible．
萊特兄弟的故事告訴我們，創新往往會遭遇社會的懷疑和質疑。正如他們必須拒絕唱衰的聲音，追求飛行的夢想，我們也必須壓制社會的質疑，相信自己有能力實現他人認為不可能的事情

5．Question5. 問題

How should one approach negative influences in their
如何因應生活中的負面影響？一個人應該警惕並遠離那些可能阻礙自身成長和進步的負面力量。這些負面影響可能來自批評性的親友、缺乏遠見的同事，或是不支持你夢想的環境。重要的是要建立一個積極、支持性的社交圈，與那些能激勵你、推動你追求目標的人在一起。同時，也要學會過濾負面資訊，專注於個人成長和自我提升，不讓消極的聲音削弱你的信心和決心

life？生活？

Answer：Negative influences should be approached with caution；it is crucial to distance yourself from＇human headwind bloviators＇－those who sow doubt and negativity． Surround yourself with individuals who uplift，inspire，and encourage growth，and willingly remove those who distract or detract from your journey．
負面影響應該謹慎對待；遠離那些散布懷疑與負面情緒的「人為逆風吹噓者」至關重要。要圍繞自己充滿鼓舞、激勵且促進成長的人，並且毫不猶豫地排除那些阻礙或削弱你人生道路的人

6．Question6．問題

How crucial is it to find the right environment for success？
尋找成功的正確環境有多麼重要？

Answer：Finding the right environment is extremely crucial for success．Just as the author found freedom and motivation by moving to a sunnier location，we must identify any environmental factors that act as headwinds－such as a draining job or a depressing locale－and take proactive steps to mitigate them，ensuring they support rather than hinder our ambitions．
答案：找到正確的環境對成功至關重要。正如作者透過搬遷到陽光明媚的地方找到自由與動力，我們必須找出任何阻礙我們的環境因素，例如令人耗盡的工作或令人沮喪的環境，並主動採取措施來緩解這些因素，確保它們支持而非阻礙我們的抱負。

7.Question7.問題

How can we identify if we're in the right relationship on our entrepreneurial journey?
我們如何判斷在創業旅程中是否處於正確的關係中？

Answer:To determine if you’re in the right relationship, assess whether your partner supports your aspirations and shares your entrepreneurial mindset. If the relationship feels more like a distraction or a burden, it may be time to reevaluate and decide whether it’s worth the emotional investment or if it’s hindering your growth.
要判斷你是否處於正確的感情關係，請評估你的伴侶是否支持你的抱負，以及是否有相同的創業思維。如果這段關係感覺更像是一種干擾或負擔，那麼現在可能是重新評估並決定是否值得在情感上投入，或者這段關係是否阻礙了你的成長。

8.Question8.問題

What is the significance of associating with individuals who have a Fastlane mindset?
與具有高速路思維的個人建立關係有何意義？

Answer:Associating with individuals who have a Fastlane mindset is significant because they create a supportive network that reinforces your beliefs and ambitions. These connections can provide motivation, opportunities, and invaluable wisdom that can accelerate your journey, making the entrepreneurial path far less lonely and more rewarding.
答：與具有高速路思維的個人建立關係很重要，因為他們能夠建立一個支持性的網絡，強化你的信念和抱負。這些人際連結可以提供激勵、機會和無價的智慧，加速你的旅程，讓創業路徑不那麼孤單，更加有意義。

9.Question9.問題

What should you do if your current environment is a
如果目前的環境是阻礙你夢想的

headwind against your dreams？
逆風，該怎麼辦？

Answer：If your current environment is a headwind，take proactive steps to change it．This could mean relocating， changing jobs，or actively seeking out new social circles．By shifting your environment，you can convert those headwinds into tailwinds that propel you towards your goals．
答案：如果目前的環境是逆風，請主動採取步驟改變它。這可能意味著搬遷、轉換工作，或積極尋找新的社交圈。透過改變環境，你可以將這些逆風轉化為順風，推動你實現目標。

10．Question10. 問題

What is the overarching message of Chapter 25 regarding societal and personal limitations？
第 25 章的核心訊息究竟是什麼，關於社會和個人的限制？
Answer：The overarching message of Chapter 25 is that societal and personal limitations can be transcended through the adoption of extraordinary beliefs，the strategic removal of negative influences，and the cultivation of supportive relationships．To succeed in the Fastlane，one must be willing to challenge norms，distance themselves from naysayers，and create an empowering environment．
回答：第 25 章的核心訊息是，透過採用非凡的信念、策略性地排除負面影響，以及培養支持性的人際關係，可以突破社會和個人的侷限。要在快速道路上成功，一個人必須願意挑戰常規、遠離唱衰的人，並創造一個充滿能量的環境。

Chapter 26 ｜Your Primordial Fuel：Time｜Q\＆A
第 26 章｜你的原始燃料：時間｜問與答

1．Question1. 問題

What is the primary message about the value of time in
時間的價值是什麼？每一分鐘、每一秒都是無法挽回的寶貴資源。時間是我們生命中最珍貴且不可再生的資產。我們不能像金錢一樣儲存或賺取額外的時間，一旦流逝就永遠無法找回。真正的財富不僅僅是賺錢，而是擁有自由支配時間的能力。成功不在於你擁有多少錢，而在於你能用時間做什麼。如果你的工作讓你感到被束縛，那麼無論薪水多高都是徒勞的。真正的成功是創造能夠自動運作的系統，讓你的時間不再被侷限，能夠追求真正重要的事情

this chapter？這一章？

Answer：Time is the most precious substance of life， and it should be regarded as a valuable asset rather than a commodity．Wasting time equates to wasting life．
時間是生命中最寶貴的資源，應該被視為珍貴的資產，而不是普通的商品。浪費時間就等同於浪費生命

2．Question2. 問題

How do people typically misvalue their time according to the chapter？
人們通常如何低估時間的價值？

Answer：Many people believe their time is abundant， resulting in them engaging in low－value activities like waiting in line for free items or excessively consuming entertainment．This poor valuation leads to mediocrity and a lack of financial success．
答案：許多人認為自己的時間很充足，因此會從事低價值的活動，像是排隊搶免費商品或過度沉迷娛樂。這種對時間的錯誤評估會導致平庸和財務上的缺乏成功。

3．Question3. 問題

What insights does the story of the \＄6 bucket of chicken provide？
這個 6 美元雞桶的故事帶來什麼樣的啟示？

Answer：It illustrates how people often prioritize saving money over valuing their time．The scenario suggests that if people realized how much their time is worth，they wouldn＇t
這說明了人們常常更重視儲蓄金錢，而不是珍惜自己的時間。這種情況暗示，如果人們意識到自己的時間有多麼寶貴，就不會
waste hours for trivial savings．
為了一些微不足道的省錢而浪費大量時間

4．Question4. 問題

What analogy is drawn from the sinking Titanic？
鐵達尼號沉船的隱喻是什麼？

Answer：The Titanic analogy illustrates that once time is gone，it cannot be bought back with money．Just like for the wealthy characters in the film，time is the ultimate equalizer and once it runs out，no financial wealth can rescue someone from death．
答案：鐵達尼號的隱喻說明了一旦時間逝去，就無法用金錢買回。就像電影中富有的角色一樣，時間是最終的平衡器，一旦時間用完，再多的財富也無法拯救一個人免於死亡。

5．Question5. 問題

What are＇indentured time＇and＇free time＇as described in the chapter？
章節中所描述的「契約時間」和「自由時間」是什麼？

Answer：Indentured time is the time spent earning money， including commute and work hours，while free time is leisure time available to spend as one wishes．An abundance of indentured time leads to less free time．
答案：契約時間是指用於賺錢的時間，包括通勤和工作時數，而自由時間則是可以自由支配的休閒時間。大量的契約時間會導致自由時間減少。

6．Question6. 問題

According to the chapter，what is parasitic debt and how does it impact time？
依照該章節，什麼是寄生性債務，它如何影響時間？
Answer：Parasitic debt refers to any debt that requires ongoing payments，draining free time because it forces
寄生性債務是指任何需要持續支付的債務，它會耗盡可自由支配的時間，因為它迫使
individuals to work longer to pay it off. It transforms free time into indentured time.
個人必須工作更久才能還清。它將自由時間轉變成被束縛的時間。

7.Question7.問題

What does the author suggest about instant gratification? Answer:Instant gratification is presented as a source of parasitic debt. The author urges readers to control their desires for immediate satisfaction to avoid incurring debt that steals their time and freedom.
作者對於即時性滿足有何建議？答：即時性滿足被視為寄生性債務的來源。作者敦促讀者控制對立即滿足的慾望，避免招致會竊取他們時間和自由的債務。

8.Question8.問題

How does the author differentiate Fastlaners from
作者如何區分快速道路人（Fastlaners）

Slowlaners regarding their view of time?
慢速生活者對時間的看法如何？

Answer:Fastlaners prioritize time as their most valuable asset, making decisions that enhance their free time, while Slowlaners focus on saving money, often leading to poorer time management and life outcomes.
答案：快速生活者將時間視為最寶貴的資產，做出能增進自由時間的決策，而慢速生活者則專注於省錢，往往導致時間管理和生活成果較差。

9.Question9.問題

What is the significance of the statement: 'Money can't
「金錢無法⋯⋯」這句話有什麼意義

save you anymore than it can save me’?
它不可能拯救我，也不可能拯救妳

Answer:This statement underscores the idea that in the face of mortality, time holds greater importance than money. It
這句話強調了在面對死亡時，時間比金錢更加重要。
highlights the futility of trying to exchange wealth for time when death approaches．
它凸顯了當死亡臨近時，試圖用財富交換時間是徒勞的。

10．Question10. 問題

What is a key takeaway from this chapter regarding
這章節的關鍵洞見是什麼？

lifestyle choices？關於生活方式的選擇？

Answer：The key takeaway is to be conscious about how lifestyle choices，especially those involving debt and consumerism，impact your time．Choosing experiences and investments that boost free time rather than burdening you with indentured time is essential for wealth and satisfaction．
答案：關鍵洞見是要警覺生活方式的選擇，特別是那些涉及債務和消費主義的選擇，會如何影響你的時間。選擇能增加自由時間而非讓你陷入被束縛時間的體驗和投資，對於財富和滿足感至關重要。

Chapter 27 ｜Change That Dirty，Stale Oil｜Q\＆A
第 27 章｜更換那髒舊的機油｜問與答

1．Question1. 提問

What is the significance of changing the oil every 3，000 miles in relation to education？
更換機油與每 3,000 英里的行駛里程有什麼與教育相關的意義？
Answer：Changing the oil symbolizes the need for continual education and self－improvement．Just as neglecting your car＇s oil leads to breakdown and inefficiency，stopping your education after graduation leads to stagnation and diminished
答案：更換機油象徵著持續學習和自我提升的需求。正如忽視汽車的機油會導致故障和效率低下，畢業後停止學習也會導致停滯和衰退
opportunities in life.人生的機會。

2.Question2.問題

Why does the author believe graduation marks the beginning of education rather than the end?
作者為什麼認為畢業是教育的開始，而不是結束？
Answer:The author argues that real-life experiences and challenges arise after graduation, making continuous learning essential for success. Education should adapt to evolving circumstances and skill demands beyond formal schooling.
答：作者認為，畢業後的現實生活經歷和挑戰使持續學習成為成功的關鍵。教育應該因應環境變遷和技能需求，不僅限於正規學校教育。

3.Question3. 問題

What does the author mean by saying ‘you are your own university’?
作者說「你是自己的大學」是什麼意思？
Answer:This suggests that individuals should take the initiative to educate themselves through experiences, self-study, and engagement with relevant knowledge, rather than relying solely on traditional educational institutions.
答：這意味著個人應主動透過經驗、自我學習和接觸相關知識來培育自己，而不是完全依賴傳統教育機構。

4.Question4. 問題

How can someone counter the excuse 'I don't know
如何反駁「我不知道」這個藉口

how!’?咦！

Answer:The author encourages readers to actively seek knowledge and skills through various resources rather than
作者鼓勵讀者透過各種資源主動尋求知識和技能，而不是
succumbing to this excuse. With today’s access to information, individuals can learn virtually anything by being proactive and looking for resources.
屈服於這種藉口。在當今資訊唾手可得的年代，只要積極尋找資源，個人幾乎可以學會任何事情。

5.Question5.問題

What is the relationship between education and financial success according to the author?
根據作者的觀點，教育與財務成功之間的關係是什麼？
Answer:The author believes that acquiring and applying knowledge is crucial for financial success. Continuous education leads to new opportunities and effective strategies for building wealth, thus transforming one’s financial future.
答案：作者認為獲取和應用知識對於財務成功至關重要。持續的教育能帶來新的機會，並提供有效的財富累積策略，進而改變個人的財務前景。

6.Question6.問題

What does ‘Education is freely available’ imply and why is it often ignored?
「教育是免費的」意味著什麼，為什麼人們常常忽視這一點？
Answer:The phrase acknowledges that there are vast resources such as libraries, online materials, and community programs that offer free education. Unfortunately, many people overlook these opportunities, often due to laziness or a mindset that favors conventional, costly education.
答案：這句話承認現今有許多如圖書館、線上資源和社區課程等免費教育管道。可惜的是，很多人因為懶惰或偏好傳統昂貴的教育模式，而忽略了這些學習機會。

7.Question7.問題

routines．常規作為。

Answer：1．Listen to audiobooks during commutes（Driving University）．2．Read or listen to educational content while exercising（Exercise University）．3．Carry a book to read when waiting（Waiting University）．4．Utilize idle bathroom time for reading（Toilet University）．5．Read during downtimes at work（Jobbing University）．
答案：1.通勤時聽有聲書（駕駛大學）。2.運動時閱讀或聽教育內容（運動大學）。3.等待時攜帶書籍閱讀（等待大學）。4.利用如廁時間閱讀（廁所大學）。5.工作空閒時閱讀（工作大學）。

8．Question8.問題

What does the author mean by a＇

$ 50, 000

oil change＇？ Answer：This metaphor criticizes expensive educational seminars and coaching programs that cost exorbitantly but promise little value compared to much cheaper and accessible forms of education．It＇s a warning against wasteful spending on inadequate learning．
作者所指的「

$ 50, 000

機油更換」是什麼意思？答案：這個比喻批評那些花費高昂卻幾乎沒有價值的教育研討會和輔導課程，與更便宜且易於取得的教育形式相比，這些課程性價比極低。這是對浪費金錢在無效學習上的警告

9．Question9．問題

How should someone approach choosing educational seminars？
如何選擇教育研討會？

Answer：One should look for affordability and relevance， ensuring that the speakers are experienced practitioners
答案：一個人應該考慮性價比和相關性，確保講師是有經驗的從業者
rather than just skilled marketers. Avoiding overpriced seminars and those marketed through high-pressure tactics is crucial.
而不僅僅是技巧高超的行銷人員。避免選擇過度昂貴且採用高壓行銷策略的研討會是非常重要的。

10.Question10.問題

What key takeaway does the author offer regarding the concept of education?
作者對於教育概念有何關鍵見解？

Answer:Continuous education is paramount for success; it is an ongoing journey that begins after traditional schooling and is essential to adapt and thrive in a rapidly changing world.
答案：持續學習對於成功至關重要；它是一個從正規教育結束後就開始的持續過程，對於在快速變遷的世界中調適並蓬勃發展至關重要。

Today’s Bookey今日書摘

You你
is first for me. How the makes me feel, it’s like r. It has to match my life.

s

happening around me . That’s where it comes from.
對我來說是第一次。它如何讓我感受，就像是我的感受。它必須符合我的生活。

s

發生在我周圍的事物。這就是它的由來。
-Boots Rijiey -布茨·裡吉伊

12,
Get enough points to donate a book
獲得足夠點數來捐贈一本書

Hannah漢娜

Daily Goals每日目標

A 1 diay streat 一本日記本	I	w		$◻$
A 1 diay streat 一本日記本				Best score: 2 days 最佳分數：2 天
Time of Use使用時間			Finished已完成
6183		102		sames相同
용用		z

ATOMIC HABITS原子習慣

Atomic Habits Four steps to build good habits and break bad ones James Cloar
原子習慣：建立好習慣與打破壞習慣的四個步驟詹姆斯‧克利爾

36 \min 3

key insights Finished I 3 key insights Finished sour

36 \min 3

關鍵洞察已完成 3 個關鍵洞察已完成來源

Description描述
Why do so many of us fail to lose weight? Why can’t we go to bed early and wake up early? Is it because of a lack of determination? Not at all. The thing is, We are doing it the wrong way More specifically it’s because we haven’t built an effective behavioral
為什麼我們中的許多人無法減重？為什麼我們無法早睡早起？這是缺乏決心嗎？完全不是。問題在於，我們做事的方法是錯誤的。更具體地說，是因為我們尚未建立有效的行為

1,1
国 Read國家閱讀
17:25

T = e

Library圖書館
Bookeys書鑰
IdeaClips想法剪輯
Notes筆記
Quotes引言
Saved已儲存
4 Downloaded4 已下載

Finished已完成

History歷史
14/08/2024
See all 查看全部

h. After five hours of flying, before
h. 在飛行五小時後，在

Chapter 1 of 5第 1 章，共 5 章
Overview概述
Hi, welcome to Bookey. Today we’ll unlock the book Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones.
嗨，歡迎來到 Bookey。今天我們將解鎖《原子習慣：建立好習慣、打破壞習慣的簡單可行方法》這本書。

Imagine you’re sitting in a plane, flying from Los Angeles to New York City. Due to a mysterious and undetectable turbulence, your aircraft’s nose shifts e is landing. you know it, the plane is landing.
想像你正坐在飛機上，從洛杉磯飛往紐約市。由於一陣神祕且難以察覺的亂流，你的飛機機頭略微偏移。轉眼間，飛機已經準備降落。

Noto Sans

◻

Cormorant Garas entrepreneurship. After two successfully raised

$ 850 m

鸕鶿加拉斯的創業精神。成功募資兩次後

$ 850 m

It Takes >它需要 >
it lakens 它攀登

Never G永不 G
Schwarzman’s relentless e funds for Blackstone’s first overcoming numerous feje the importance of persister
史瓦茲曼為黑石集團的第一筆基金不懈奮鬥，克服了諸多障礙，展現了持續不懈的重要性
17:46
Ongoing 持續進行中

1/7 Boakning Paths1/7 銀行業務路徑
Develop leadership skills
培養領導技能
Unioction Landarionsotential
聯合土地潛力

1/7 Bookeys1/7 書摘
Master time ma. 掌握時間。
Master 掌握

Chapter 28 ｜Hit the Redline｜Q\＆A
第二十八章｜全力以赴｜問與答

1．Question1. 提問

What does it mean to be committed versus just interested in your goals？
什麼是對你的目標全心投入，而不只是興趣而已？
Answer：Commitment is the unwavering dedication to achieving your goals，emphasized by consistent actions and sacrifices．In contrast，being interested is merely a passive engagement where one expresses a desire for success without putting in the requisite effort．For example，someone interested in starting a business may read books，but a committed person will actively file for an LLC and work on their business every day．
承諾是對實現目標的堅定奉獻，體現在持續的行動和犧牲上。相比之下，興趣只是一種被動的參與，僅僅表達對成功的渴望，卻不付出必要的努力。舉例來說，對創業感興趣的人可能只會閱讀書籍，但一個真正承諾的人會主動申請有限責任公司，並每天投入心力經營自己的事業

2．Question2. 問題

How can one differentiate themselves from＇most people＇？ Answer：To distinguish yourself，you must be willing to make sacrifices that others won＇t．This includes enduring hardships such as living with little comfort，working multiple jobs，or foregoing luxuries to invest in your future．The willingness to
如何與「大多數人」有所不同？答案：要脫穎而出，你必須願意做出別人不願意做的犧牲。這包括忍受艱難困苦，例如生活在不太舒適的環境、同時做多份工作，或是放棄奢侈品來投資自己的未來。願意
face discomfort sets you apart from the majority，who prioritize short－term comforts over long－term rewards．
直視不適感讓你有別於大多數人，他們寧願選擇短期舒適，而非長期回報

3．Question3. 問題

Why is failure an important part of the success journey？
為什麼失敗是成功旅程中重要的一部分？

Answer：Failure is essential as it serves as a learning tool and a step toward mastery．Embracing failure allows individuals to gain experience，adjust their strategies，and ultimately increase their chances of success．As stated，＇Failure is simply a natural response to success．＇Avoiding failure often results in stagnation．
解答：失敗是必要的，因為它是一種學習工具，也是邁向精通的一步。接受失敗讓人們可以獲得經驗、調整策略，並最終增加成功的機會。正如所說：「失敗只是通往成功的自然反應。」迴避失敗往往會導致停滯不前。

4．Question4. 問題

What role does＇someday＇play in achieving financial goals？
「someday」在實現財務目標中扮演什麼角色？

Answer：The concept of＇someday＇is a deceptive illusion that delays action and keeps individuals trapped in mediocrity． Waiting for the＇perfect time＇leads to missed opportunities and regrets．Instead，one should act now，transforming ＇someday＇into＇today＇to seize opportunities as they come．
答案：「someday」是一個具有欺騙性的幻象，會延遲行動並使個人陷入平庸。等待「完美時機」會導致失去機會和後悔。相反地，應該立即行動，將「someday」轉變為「今天」，把握機會。

5．Question5. 問題

What is the difference between intelligent risks and
什麼是明智風險與

moronic risks？笨蛋風險？

Answer：Intelligent risks involve calculated actions that have a limited downside but a potentially unlimited upside，such as investing in a promising business．Moronic risks， however，are reckless choices with serious consequences， often leading to loss with no real benefit．For example， gambling a month＇s salary is a moronic risk，whereas starting a side business based on thorough research is an intelligent risk．
答案：明智的風險涉及有計算的行動，其損失是有限的，但潛在收益可能是無限的，例如投資一家有前景的企業。相比之下，笨蛋風險是輕率的選擇，往往會造成嚴重的後果，且毫無實質收益。舉例來說，賭上一個月的薪水就是笨蛋風險，而根據徹底研究而開始的兼職生意則是明智的風險

6．Question6. 問題

How does one cultivate commitment in their journey to success？
如何在通往成功的道路上培養承諾？

Answer：Cultivating commitment involves setting clear goals， establishing action plans，and developing a mindset that embraces hard work and perseverance．It requires choosing long－term gain over short－term gratification，consistently putting in effort，and being prepared to face and learn from obstacles along the way．
解答：培養承諾需要設定明確的目標、擬定行動方案，並培養一種擁抱努力和堅持的心態。這需要選擇長期利益勝於短期滿足，持續投入努力，並做好迎接和學習障礙的準備。

7．Question7. 問題

What is the importance of taking action immediately rather than waiting for the right moment？
立即採取行動的重要性是什麼？
Answer：Taking immediate action is crucial because opportunities are transient and often require quick decision－making．Waiting for the right conditions can lead to missed chances，while proactive engagement helps build momentum and opens doors to unexpected opportunities．
回答：立即採取行動至關重要，因為機會是短暫的，且常常需要快速決策。等待完美的條件可能會錯失良機，而積極投入有助於建立動能，並為意想不到的機會開啟大門。

8．Question8. 問題

How can people best prepare themselves for the journey to wealth？
人們如何最好地為財富之路做好準備？

Answer：Preparation involves understanding and accepting that the path will be filled with challenges，requiring significant effort，sacrifices，and resilience．This means fostering a strong work ethic，being willing to learn from failures，and avoiding the comfort of mediocrity．Embracing this mindset prepares one to navigate the obstacles on the road to financial success．
準備工作意味著理解並接受這條路途將充滿挑戰，需要龐大的努力、犧牲和韌性。這意味著培養強大的職場倫理，願意從失敗中學習，並避免安於平庸的舒適區。擁抱這種心態，可以讓自己在通往財務成功的道路上順利應對各種障礙。

Chapter 29 ｜The Right Road Routes to Wealth｜ Q\＆A
第 29 章｜正確的致富路線｜問與答

1．Question1. 提問

What does＇road＇mean in the context of your wealth journey？
在你的財富歷程中，「路」指的是什麼？
Answer：In this context，your＇road＇represents your career or business path．For Slowlaners，this road is typically a traditional job（like a doctor or lawyer）， while for Fastlaners，it represents a business venture （like an internet entrepreneur or real estate investor）．Your road should be one that leads to wealth．
在此脈絡中，你的「路」代表你的職業或事業道路。對於慢車道族群來說，這條路通常是傳統工作（像是醫生或律師），而對於快車道族群而言，則代表一種商業事業（如網路企業家或房地產投資人）。你的路應該是通往財富的道路

2．Question2. 問題

How can you determine if your road is leading to wealth？ Answer：To determine if your road leads to wealth，you need to evaluate whether it passes through the Law of Effection， which indicates that to make millions，you must impact millions．Assess if your business model allows you to reach a large audience and provide significant value．
你要如何確認自己的道路是否通往財富？答案：要判斷你的道路是否通往財富，你需要評估它是否穿越了效應法則，這意味著要賺取百萬，你必須影響百萬人。評估你的商業模式是否能夠觸及大量受眾並提供重大價值。

3．Question3. 問題

What are the Five Fastlane Commandments and why are they important？
什麼是快速道路的五大誡命，為什麼它們很重要？

Answer：The Five Fastlane Commandments（CENTS）are： 1. Control：You should have control over your business． 2. Entry：There should be a low barrier to entry，facilitating market penetration．3．Need：There must be a real and significant market need．4．Time：Your business should not be dependent on your personal time．5．Scale：The business should have the potential to serve many customers．These commandments are crucial because they help validate if your business road is positioned to generate wealth．
百萬富翁快速通道的五大戒律（CENTS）是：1. 控制：你應該對自己的生意有控制權。2. 進入門檻：應該有低的進入障礙，有利於市場滲透。3. 需求：必須有真實且重大的市場需求。4. 時間：你的生意不應該依賴個人時間。5. 規模：生意應該有潛力服務大量客戶。這些戒律至關重要，因為它們幫助驗證你的商業道路是否有望創造財富。

4．Question4. 問題

What mistake do many business owners make regarding their path to wealth？
許多企業主在財富之路上犯什麼錯誤？
Answer：Many business owners mistakenly believe they are on the right path despite operating under systems that restrict their potential．They often trade hours for dollars rather than leveraging their time and creating scalable opportunities that could lead to wealth．
許多企業主錯誤地相信他們正走在正確的道路上，儘管他們的經營系統限制了他們的潛力。他們常常用工作換取金錢，而不是善用時間並創造可擴展的機會，這些機會可能會帶來財富。

5．Question5. 問題

What does the term＇Law of Effection＇signify？
「效力法則」究竟意指什麼？

Answer：The Law of Effection signifies that to create significant wealth，your business must impact a large number of people．This principle emphasizes the importance of scale and reach in your business model．
答案：效力法則意味著要創造可觀的財富，你的事業必須要對大量人群產生影響力。這個原則強調在商業模式中規模和影響範圍的重要性。

6．Question6．問題

What should one do if they find themselves on a wrong road toward wealth？
如果發現自己正走在通往財富的錯誤道路上，應該怎麼辦？

Answer：If you find yourself on a wrong path，you should take action to correct your course．This could involve exiting your current venture，pivoting your business model，or even starting anew with a business that better aligns with the Fastlane principles and the Law of Effection．
答案：如果你發現自己走在錯誤的道路上，就應該採取行動來修正方向。這可能包括退出目前的事業、調整商業模式，甚至重新開始一個更符合「快速道路」原則和效力法則的事業

7．Question7. 疑問

Why is it important to cross－examine your business
為什麼檢視你的生意模式如此重要

against the Five Fastlane Commandments？ Answer：Cross－examining your business against the Five Fastlane Commandments is essential to ensure that your efforts can genuinely lead to wealth creation．A business that violates these commandments is likely not positioned for
違反五大快速致富戒律？答案：對照五大快速致富戒律來交叉檢驗您的事業，對於確保您的努力能真正帶來財富累積是至關重要的。違反這些戒律的企業很可能無法實現財富目標

significant success and should not be pursued．
重大成功並不值得追求

8．Question8. 問題

How does the Fastlane philosophy relate to your perception of time and wealth？
快車道理念如何與您對於時間和財富的看法產生關聯？

Answer：The Fastlane philosophy encourages a shift in perception regarding time and wealth．While Slowlaners may believe wealth comes slowly and incrementally through a job，Fastlaners understand that wealth can be generated rapidly through impactful business ventures that leverage time effectively．
快車道哲學鼓勵人們改變對時間和財富的看法。雖然慢車道者可能相信財富是透過工作緩慢且逐步累積的，但快車道者了解財富可以透過有影響力的商業 ventures，有效地運用時間快速產生。

9．Question9. 問題

What is a practical example of a business that satisfies all the Fastlane Commandments？
有什麼是滿足所有快車道誡命的商業模式實際範例？

Answer：A practical example of a business that satisfies all the Fastlane Commandments could be a software as a service （SaaS）company．This business typically has control over its product，can enter the market quickly with minimal barriers， fulfills a significant need，operates on a subscription model that allows for passive income，and has the potential to scale
答案：一個滿足所有快車道誡命的商業模式實際範例是軟體即服務（SaaS）公司。這種 business 通常可以控制自身產品，可以快速進入市場且進入障礙低，滿足重大需求，採用訂閱模式允許被動收入，並且具有規模擴張的潛力
by serving millions of customers without being tied to the owner＇s time．
藉由服務數百萬客戶，且不受業主時間的限制。

10．Question10. 問題

What is a common misperception about starting a business for wealth creation？
關於創業致富，有什麼常見的誤解？

Answer：A common misperception is that simply starting any business，like a lemonade stand or a retail store，will lead to wealth．However，if these businesses don＇t meet the Fastlane Commandments and the Law of Effection，they are unlikely to generate the wealth anticipated．
答案：常見的誤解是認為只要開始任何事業，像是檸檬水攤或零售店，就能創造財富。然而，如果這些事業不符合快速致富的戒律和效益法則，就不太可能產生預期的財富

Chapter 30 ｜The Commandment of Control｜Q\＆A
第 30 章｜控制的誡命｜問與答

1．Question1. 提問

What does it mean to＇drive＇your own Fastlane？
什麼是「開創」你自己的快速車道？

Answer：To＇drive＇your own Fastlane means to take full control of your financial and entrepreneurial journey．It entails actively managing and directing your business decisions without relying on others to dictate your path or success．If you＇re in the driver＇s seat，you dictate product，pricing，revenue models，
回答：「開創」你自己的快速車道意味著完全掌控自己的財務和創業旅程。這包括主動管理和指導你的商業決策，不依賴他人來決定你的道路或成功。如果你是駕駛座上的人，你可以決定產品、定價、營收模式，
and strategies，ensuring that you are building your own wealth rather than being subject to someone else＇s control．
以及策略，確保你是在建立自己的財富，而不是受制於他人的控制。

2．Question2．問題

What are the risks associated with＇hitchhiking＇a
與「搭便車」相關的風險是什麼

Fastlane？快車道？

Answer：Hitchhiking a Fastlane means relying on others for your business success，which puts you at risk of losing income and control．If the driver（the person or entity you rely on）makes decisions that negatively impact your financial stability，you suffer the consequences．For instance， if a company you affiliate with changes its policies or cuts a product line，your main income stream could vanish instantly，leaving you vulnerable．
回答：搭順風車的快車道意味著依賴他人來成就你的事業，這會讓你面臨失去收入和控制權的風險。如果駕駛（你所依賴的人或實體）做出影響你財務穩定的負面決策，你就得承擔後果。舉例來說，如果你附屬的公司改變其政策或刪減產品線，你的主要收入來源可能瞬間消失，讓你陷入脆弱的處境。

3．Question3. 問題

How does the mindset of＇shark＇versus＇guppy＇impact business success？
鯊魚思維與小魚思維如何影響商業成功？

Answer：In business，a＇shark＇thinks strategically，aims to dominate，and actively seeks opportunities to innovate and
解答：在商業世界中，「鯊魚」會策略性思考，目標是稱霸市場，並積極尋找創新和
lead．In contrast，a＇guppy＇tends to follow trends，lacks ambition，and remains passive．To succeed，one must adopt a ＇shark＇mentality，focusing on big visions，innovation，and leadership to navigate and thrive in the competitive business landscape．
領導的機會。相比之下，「小魚」往往只是跟隨潮流，缺乏野心，且保持被動態度。要成功，必須採取「鯊魚」心態，專注於宏大願景、創新和領導力，以在競爭激烈的商業環境中航行並茁壯。

4．Question4. 問題

What is the difference between good money and big money？
什麼是好錢和大錢的差異？
Answer：Good money refers to a decent income（e．g．，

$ 20, 000 /

month）that can provide a comfortable lifestyle， while big money（e．g．，\＄200，000／month）has the potential to significantly change one＇s life and circumstances．Legendary money，exceeding a million dollars a month，represents the highest level of financial success that allows for extraordinary lifestyle choices and opportunities．
答案：好錢是指能夠維持舒適生活的穩定收入（例如：

$ 20, 000 /

月），而大錢（例如：每月 20 萬美元）則有潛力顯著改變一個人的生活和環境。傳奇級別的金錢，超過每月百萬美元，代表財務成功的最高境界，可以提供非凡的生活選擇和機會

5．Question5. 問題

Why is retaining control critical for achieving big or legendary wealth in business？
為什麼在商業上保持控制權對於達成龐大或傳奇財富至關重要？
Answer：Retaining control is critical because it allows you to
答案：保持控制權至關重要，因為它讓你能夠
influence every aspect of your business，including strategic decisions that directly affect profitability and growth．When you control your business，you can navigate challenges， innovate，and capitalize on opportunities without being dependent on external forces that may not prioritize your interests．
影響你企業的每一個面向，包括直接影響獲利能力和成長的策略性決策。當你控制自己的企業時，你可以在不依賴可能不會優先考慮你利益的外部力量的情況下，因應挑戰、創新，並把握機會。

6．Question6. 問題

What lessons can be learned from network marketing in the context of control？
在控制的背景下，網絡行銷能帶來哪些啟示？

Answer：The key lesson from network marketing is that true entrepreneurship comes from owning and controlling the business rather than merely participating as a distributor． While one can gain valuable skills in sales and networking， participating in network marketing often means relinquishing control to the company，limiting the ability to truly benefit from one＇s efforts and innovation．
答案：網絡行銷的關鍵啟示是，真正的創業精神來自於擁有和控制業務，而不僅僅是作為分銷商參與。雖然可以在銷售和網絡建立中獲得寶貴的技能，但參與網絡行銷通常意味著將控制權讓渡給公司，限制了從自身努力和創新中獲益的能力。

7．Question7. 疑問

How can one transition from being a hitchhiker to a driver in business？
如何從商業中的搭便車者轉變為駕駛者？

Answer：To transition from a hitchhiker to a driver，one should focus on creating their own business model，fully understanding the market，and gaining control over product development，marketing，and finances．This involves developing original ideas，investing in oneself and one＇s brand，and taking proactive steps to lead and innovate rather than simply following existing opportunities．
答案：要從搭便車者轉變為駕駛者，應專注於創建自己的商業模式，全面了解市場，並掌控產品開發、行銷和財務。這包括發展原創想法、投資於自身和個人品牌，並採取主動的步驟來領導和創新，而不是簡單地追隨現有的機會

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THINKING， FAST AND SLOW思考，快與慢
How we make decisions
我們如何做決定

HOW TO TALK TO ANYONE Unlocking the Secrets of Effective Communication
如何與任何人交談：解鎖有效溝通的秘密

Chapter 31 ｜The Commandment of Entry｜Q\＆A
第 31 章｜進入戒律｜問與答

1．Question1. 提問

What is the Commandment of Entry and why is it important for business success？
什麼是進入戒律，為什麼它對商業成功如此重要？
Answer：The Commandment of Entry states that as entry barriers to any business decrease，the effectiveness of that business diminishes while competition intensifies．This is important because businesses with low entry barriers experience high traffic and saturation，leading to weaker profits and outcomes．A successful business should ideally have high entry barriers，which protects its market and allows for better profit margins．
回答：進入門檻的原則指出，隨著進入任何行業的門檻降低，該行業的效益也會相應減弱，同時競爭也會更加激烈。這一點很重要，因為進入門檻低的行業會出現高流量和飽和的情況，導致利潤和成果更為疲弱。一個成功的企業理想上應該具有高進入門檻，這可以保護其市場並實現更好的利潤空間

2．Question2. 問題

Why is it crucial to ask about earnings in networking or multi－level marketing？
為什麼在網絡行銷或多層次行銷中詢問收入如此重要？
Answer：Asking about earnings is crucial because it reveals the reality of income distribution in such organizations．In the author＇s experience during the networking marketing
解答：探詢收入是至關重要的，因為它揭示了這類組織中收入分配的真實情況。根據作者在網路行銷領域的經驗
event，most individuals were not making significant earnings， underscoring the importance of choosing business models with viable income potential rather than succumbing to motivational culture without critical evaluation．
在這個事件中，大多數人並未創造顯著的收入，這凸顯了選擇具有可行收入潛力的商業模式的重要性，而不是盲目追隨激勵文化而不經批判性評估

3．Question3. 問題

What examples does the author use to illustrate industries failing the Commandment of Entry？
作者用什麼例子來說明進入門檻的誡命失效？
Answer：The author mentions eBay and blogging as prime examples where easy entry led to saturation and competition． Initially，early adopters made significant profits，but as the market opened up to everyone，profitability plummeted due to the sheer volume of participants creating a traffic jam of competition．
答案：作者提到 eBay 和部落格是進入門檻低導致市場飽和和競爭的典型例子。一開始，早期採用者賺取了可觀的利潤，但隨著市場對所有人開放，由於參與者眾多造成競爭擁擠，獲利就大幅下降。

4．Question4. 問題

How does exceptionality play a role in overcoming weak entry barriers？
卓越性如何在克服低進入門檻中扮演角色？
Answer：In markets with weak entry barriers，individuals must be exceptional to succeed．This means that if many people can easily enter a market，only those who stand out
在進入門檻低的市場中，個人必須非常出色才能成功。這意味著如果許多人可以輕易進入一個市場，只有那些脫穎而出的人
through unique skills，creativity，or strategies will thrive．The author emphasizes that being among thousands of competitors with the same offering is a losing venture unless one can be remarkably different or better．
透過獨特的技能、創造力或策略，將能脫穎而出。作者強調，如果在數千個競爭對手中提供相同的產品或服務，除非能夠顯著地與眾不同或更勝一籌，否則這將是一場必敗的事業

5．Question5. 問題

What does the author mean when he discusses＇everyone is doing it＇？
作者當他討論「每個人都在做」這句話時是指什麼？
Answer：When the author refers to＇everyone is doing it，＇he signals a warning that indicates a bubble or a boom that is about to burst．It serves as an indicator that the market is crowded and risky，suggesting that true wealth lies in counterintuitive actions－like selling when others are buying and making decisions based on independent judgment rather than following the crowd．
答案：當作者提到「大家都在做」時，他發出警告，表示市場正處於即將崩盤的泡沫或熱潮階段。這是一個指標，顯示市場已經擁擠且充滿風險，暗示真正的財富在於反直覺的行動──例如在他人買進時賣出，並根據獨立判斷做決策，而不是盲目追隨大眾。

6．Question6．問題

What should entrepreneurs consider about the entry
企業家在開始創業時，應該考慮什麼關於進入

process when starting a business？
程序的事情？

Answer：Entrepreneurs should view entry as a process rather than an event．A legitimate business requires a series of
答案：企業家應該將進入視為一個過程，而非一次性事件。一家合法的企業需要一系列的
thoughtful actions，investments，and preparations rather than simply signing up or spending a small fee．This process－oriented approach ensures that the business is well－founded and sustainable．
經過深思熟慮的行動、投資與準備，而不是僅僅報名或支付小額費用。這種以流程為導向的方法確保了企業基礎穩固且可永續經營

7．Question7. 疑問

Can anyone become successful in an industry with low entry barriers？
在一個進入門檻很低的產業中，任何人都能成功嗎？

Answer：While it is possible for individuals in low entry barrier industries to succeed through exceptionality，the odds are stacked against them due to saturation and competition． Therefore，pursuing opportunities with meaningful entry barriers is strategically wiser，as it offers a clearer path to success．
雖然在進入門檻較低的產業中，個人透過卓越表現仍有成功的可能，但由於市場飽和和競爭激烈，成功的機率仍然很低。因此，追求具有意義性進入障礙的機會在策略上更加明智，因為它提供了一條更清晰的成功路徑

8．Question8．問題

Why might it be advantageous to sell＇shovels＇during a gold rush？
為什麼在淘金熱潮中銷售「鏟子」可能會很有利？

Answer：Selling＇shovels＇during a gold rush refers to profiting from supplying tools or services to those pursuing high－risk ventures．While many may chase quick riches，the ultimate
在淘金熱潮中賣「鋤頭」意指從為追求高風險事業的人提供工具或服務中獲利。雖然許多人可能追逐快速致富，但最終
success often comes from providing the means for others to attempt those pursuits，leading to more stable and potentially profitable business models．
成功往往源於為他人提供追求夢想的方法，進而建立更穩定且可能獲利的商業模式

Chapter 32 ｜The Commandment of Need｜Q\＆A
第 32 章｜需求的戒律｜問與答

1．Question1. 提問

What is the Commandment of Need and why is it important for business success？
什麼是「需求的誡命」，為什麼對事業成功如此重要？
Answer：The Commandment of Need states that businesses must solve a genuine need to succeed．It emphasizes that businesses built on selfish motives or flawed foundations fail；instead，successful businesses focus on what value they provide to others．This commandment is critical because

90 %

of new businesses fail due to ignoring market needs．
需求法則指出，企業必須解決真實的需求才能成功。它強調以自私動機或不穩固基礎建立的企業終將失敗；相反地，成功的企業專注於為他人提供什麼價值。這個法則至關重要，因為

90 %

的新創企業因忽視市場需求而失敗

2．Question2. 問題

Why should entrepreneurs prioritize needs over personal desires when starting a business？
企業家在創業時為什麼應該優先考慮市場需求，而非個人慾望？
Answer：Entrepreneurs should prioritize needs because consumers care about the value they receive，not the
創業者應該優先考慮消費者的需求，因為消費者在意的是他們能獲得的價值，而不是
entrepreneur＇s personal desires or dreams．Successful businesses attract money by meeting market needs，not by pursuing selfish motives．When a business solves real problems for consumers，it has a higher chance of success．
企業家的個人渴望或夢想並不重要。成功的企業是藉由滿足市場需求來吸引金錢，而非追求自私的動機。當一家企業能為消費者解決真正的問題時，就更有成功的機會

3．Question3．疑問

How does the author illustrate the failure of businesses
作者如何說明企業失敗的情況

built on＇doing what you love＇？
建立在「做你熱愛的事」之是否建持原文件原�的引容:下文�Assistant 看，似乎是在問一個關於創業或職涯建議的句題目似乎在質疑「做你熱愛的事」是否真智慧成的事業策略。以台灣繁體中文的語風格��可以譯為：是否真的靠「追隨自中的�」就能成功功？

Answer：The author uses examples of Joe，a martial arts expert who failed to check if there was market demand for his studio，and a hip－hop clothing boutique that opened in an unsuitable neighborhood．These illustrate that pursuing passions without demanding needs often leads to failure．
作者舉了喬的例子，他是一位武術專家，卻未先確認工作室是否有市場需求，以及一家在不適合的社區開設的嘻哈服飾精品店。這些例子說明了在沒有迫切需求的情況下追求熱情，往往會導致失敗

4．Question4. 問題

What are some pitfalls of the mindset＇do what you love＇？
「做你熱愛的事」這種心態有哪些陷阱？

Answer：The pitfalls include entering oversaturated markets， damaging your passion when forced to monetize it，and the likelihood of leading to financial instability．This mindset often causes entrepreneurs to neglect whether their passion actually meets a market need．
答案：這些陷阱包括進入已飽和的市場、在強迫商業化時損害了對該事物的熱情，以及可能導致財務不穩定。這種心態常常會使創業者忽略他們的熱情是否真的符合市場需求。

5．Question5. 問題

What distinguishes passion from love in the context of entrepreneurship？
在創業背景下，熱情與愛的差異是什麼？

Answer：Passion is purpose－driven and focused on achieving specific goals，which drives entrepreneurs to work hard and overcome challenges．In contrast，love is often about personal enjoyment，which can lead to complacency or disillusionment when faced with the realities of running a business．
答案：熱情是以目標為導向且專注於實現特定目標，驅使創業者努力工作並克服挑戰。相比之下，愛往往更多關於個人享受，當面對經營企業的現實時，可能導致自滿或幻想破滅。

6．Question6. 問題

How can personal experiences of excitement or discontent spur entrepreneurial passion？
個人的興奮或不滿經歷如何激發創業熱情？
Answer：Personal experiences of excitement，such as a desire to own a luxury item，or discontent，such as seeing hardship in one＇s family，can ignite a strong motivation to pursue business goals．These feelings often provide the drive to overcome obstacles and achieve success．
答：源自個人的興奮體驗，比如想擁有奢侈品的慾望，或者源自不滿，像是看到家庭困境，都能引發追求商業目標的強烈動機。這些感受往往能提供克服障礙並取得成功的驅動力。

7．Question7. 問題

What is the main takeaway regarding money and business，as per the Commandment of Need？
根據「需求法則」，有關金錢與事業的主要觀點是什麼？

Answer：The main takeaway is that businesses focused purely on making money rather than solving needs typically fail． Money should be seen as a byproduct of successfully meeting consumer needs rather than the primary goal of a business．
答案：主要的觀點是，那些純粹為了賺錢而不是解決需求的企業通常會失敗。金錢應被視為成功滿足消費者需求的副產品，而非企業的主要目標。

8．Question8．問題

How can entrepreneurs effectively identify market needs？
企業家如何有效識別市場需求？

Answer：Entrepreneurs can identify market needs by analyzing pain points，observing gaps in services，conducting market research，asking potential customers what they need， and continuously adapting to feedback．This approach ensures that they align their products or services with actual consumer demands．
企業家可以透過分析痛點、觀察服務缺口、進行市場研究、詢問潛在客戶的需求，並持續回應意見來辨識市場需求。這種方法確保他們的產品或服務能夠與實際消費者需求緊密結合

9．Question9．問題

What does the author suggest about the relationship
作者對於關係建議什麼

between money and the provision of value？
金錢與提供價值之間有何關聯？

Answer：The author suggests that the amount of money one makes reflects the amount of value one provides to others． Therefore，focusing on creating significant value for others
作者認為一個人賺取的金錢，反映了他為他人創造的價值。因此，專注於為他人創造重大的價值
naturally attracts financial success.
自然地吸引財務成功。

10.Question10.問題

What is an effective strategy for building a successful business according to this chapter?
根據本章節，建立成功事業的有效策略是什麼？
Answer:An effective strategy is to focus on addressing real needs in the market. Businesses should aim to provide solutions to problems or fulfill desires for improvement, security, or joy in people’s lives. By solving needs on a larger scale, entrepreneurs can achieve significant financial success.
答：一個有效的策略是專注於回應市場上的真實需求。企業應該致力於為人們生活中的問題提供解決方案，或滿足改善、安全或快樂的渴望。藉由大規模地解決需求，創業家可以達成顯著的財務成功。

Chapter 33 | The Commandment of Time| Q&A
第 33 章 | 時間的準則 | 問與答

1.Question1.疑問

What does the Commandment of Time advocate for
「時間誡命」倡導什麼

business owners?商業企業主？

Answer:It advocates for creating a business that is detached from the owner’s time, aiming for passive income and a system that can operate independently.
它倡導創建一種不依賴於所有者時間的企業，目標是獲得被動收入，並建立一個能夠獨立運作的系統。

2.Question2.問題

Why do many business owners find themselves trapped by their businesses?
為什麼許多企業主發現自己被自己的事業所束縛？

Answer：Many business owners treat their businesses like jobs，where they are constantly working and not able to separate their time from their income，leading to burnout and dissatisfaction．
許多企業主將他們的事業視同工作，不斷地忙碌且無法將收入與時間分開，導致身心耗竭和不滿意。

3．Question3. 問題

How does working less hours for lower pay compare to working more hours for more pay，according to the chapter？
根據這一章的觀點，工作較少時數但薪資較低，與工作較多時數但薪資較高，有何差異？
Answer：The chapter suggests that working 10 hours a week for

$ 60, 000

is preferable to working 70 hours a week for

$ 140, 000

，emphasizing the value of time over money．
答案：這一章建議，每週工作 10 小時並賺取

$ 60, 000

，比每週工作 70 小時並賺取

$ 140, 000

更為理想，強調時間比金錢更具價值

4．Question4.問題

What common mistake did Ashlyn Gardner make with
阿什琳·加德納犯了什麼常見的錯誤

her coffee shop？她的咖啡店？

Answer：Ashlyn became too involved in the daily operations and did not utilize automation or a system to detach her time from the business，leading her to feel like she was owned by her business instead of the other way around．
Ashlyn 過度投入日常營運，未能利用自動化或系統將自己的時間從商業運作中解脫出來，導致她感覺自己是被事業主宰，而非事業為她服務

5．Question5. 問題

What are the two obstacles that can prevent a business
可能阻礙企業發展的兩大障礙是什麼
from succeeding in relation to the Commandment of Time？
你是如何阻止自己在關於時間法則方面取得成功的？
Answer：1）Lack of access to the necessary resources or ＇seeds＇for growth．2）Starting a business in a＇sterile＇ environment that won＇t allow those resources to thrive．
答案：1）缺乏成長所需的必要資源或「種子」。2）在無法讓這些資源茁壯的「貧瘠」環境中創業

6．Question6. 問題

What is a＇money tree seedling＇and how is it relevant to business？
什麼是「金錢樹幼苗」？它與企業有什麼關聯？
Answer：A＇money tree seedling＇refers to systems or resources（like technology or human resources）that can make a business operate passively and independently，crucial for achieving the Commandment of Time．
答案：「金錢樹幼苗」指的是可以讓企業被動且獨立運作的系統或資源（如科技或人力資源），這對於達成時間的法則至關重要

7．Question7. 疑問

How can a business owner introduce automation into
身為一個企業主，如何引入自動化系統

their operations？他們的營運？

Answer：By identifying areas within their business that can be automated or systematized，such as through hiring competent staff，using technology，or implementing efficient processes that do not require constant oversight．
透過找出企業中可被自動化或系統化的領域，例如聘用能幹的員工、運用科技，或實施不需要持續監督的高效流程

8．Question8.問題

What is the ultimate goal of following the Commandment of Time？
遵循時間法則的最終目標是什麼？

Answer：The ultimate goal is to create a business that can generate income without the business owner＇s constant involvement，allowing for freedom and a more fulfilling life．Was evident. Throughout history Britain ispower to only country that mobilized state
答案：最終目標是創建一個能夠在沒有企業主持續參與的情況下產生收入的業務，從而獲得自由並擁有更充實的生活。

Why Bookey is must have App for Book Lovers
為什麼 Bookey 是書籍愛好者必備的 APP

30 min Content30 分鐘內容

The deeper and clearer interpretation we provide, the better grasp of each title you have.
我們提供的解讀越深入且清晰，你對每個標題的掌握就越好。

Text and Audio format
文字和音訊格式

Absorb knowledge even in fragmented time.
即使在零碎時間也要吸收知識。

ニン $\overset{ˇ}{x}$

Quiz測驗

Check whether you have mastered what you just learned.
檢查您是否已掌握剛才學習的內容。

$Δ O$ OD

And more還有更多

Multiple Voices & fonts, Mind Map, Quotes, IdeaClips…
多重聲音與字型、心智導圖、名言錄、想法剪貼簿……

Chapter 34 ｜The Commandment of Scale｜Q\＆A
第 34 章｜規模法則｜問與答

1．Question1. 問題

What is the primary driving force behind wealth acceleration according to Chapter 34？ Answer：The primary driving force is the Commandment of Scale，which emphasizes the importance of leveraging a business to reach a wider audience and maximize profit potential．
根據第 34 章，加速致富的主要驅動力是什麼？答：主要驅動力是規模法則，強調運用企業觸及更廣大的受眾並最大化獲利潛力的重要性。

2．Question2. 問題

How can a business effectively break through the limitations of scale？
一家企業要如何有效突破規模的侷限？

Answer：A business can break through the limitations of scale by replicating its model，such as opening more locations， franchising，or transitioning to an online platform to reach a global customer base．
一家企業可以透過複製其商業模式來突破規模的限制，例如開設更多據點、加盟或轉型為線上平台，以觸及全球客戶群

3．Question3．問題

What common mistake do most entrepreneurs make regarding scale？
大多數創業家在規模上會犯什麼常見的錯誤？
Answer：Most entrepreneurs operate＇singles－only＇businesses， which restrict their ability to significantly grow revenue
答案：大多數創業家經營「單一」型態的生意，這限制了他們大幅提升收入的能力
because they limit their customer base and profit margins．
因為他們侷限了客戶基礎和利潤空間

4．Question4．問題

How does a restaurant＇s profitability relate to the concept of scale in Chapter 34？
餐廳的獲利能力如何與第 34 章的規模概念相關？
Answer：A local restaurant often has limited scale due to its customer base being confined to a neighborhood，resulting in capped units sold and unit profit，whereas high－end restaurants can achieve greater profitability by attracting a broader clientele．
答：一家地方餐廳通常因其客戶群僅限於某個社區而規模有限，導致銷售單位和單位利潤受到限制，而高檔餐廳則可以透過吸引更廣泛的客戶群，達到更高的獲利能力

5．Question5. 問題

What is the impact of magnitude in the Fastlane wealth equation？
在快速致富方程式中，規模的衝擊是什麼？

Answer：Magnitude refers to the profit per unit sold；a business that sells high－ticket items or services can achieve greater wealth accumulation if it has the potential for significant profits，serving a larger number of customers at high prices．
答案：規模是指每單位的利潤；一家可以銷售高單價商品或服務的企業，如果有機會獲得可觀的利潤，且能以高價服務更多客戶，就能達成更大的財富累積。

6．Question6. 問題

What role does reach play in wealth creation according to the book？
根據這本書，觸及面（reach）在財富創造中扮演什麼樣的角色？

Answer：Reach involves the number of potential customers a business can serve；the larger the reach（e．g．，global vs． local），the greater the potential for wealth generation．
觸及範圍涉及一個企業可以服務的潛在客戶數量；觸及範圍越大（例如全球性與本地性），財富產生的潛力就越高

7．Question7. 疑問

Can you explain the difference between scale and magnitude？
你能解釋「規模」和「大小」之間的差異嗎？
Answer：Scale is about the volume of units sold（how many customers you can reach），while magnitude is about the profit per transaction（how much profit you can generate per sale）．Both are necessary for significant wealth creation．
答案：規模是指銷售的單位數量（你能觸及的客戶數），而大小則是每筆交易的利潤（你能從每次銷售中產生的利潤）。兩者對於創造可觀的財富都是必要的。

8．Question8. 問題

Why is it essential for a business to impact millions to achieve wealth？
為什麼對一個企業來說，影響數百萬人是實現財富的關鍵？

Answer：Impacting millions allows for the accumulation of wealth through elevated sales volumes and potential profit， reinforcing the importance of scale in the Fastlane wealth equation．
影響數百萬人可以透過提高銷售量和潛在利潤來累積財富，強化了快速致富方程式中規模的重要性。

9．Question9. 問題

What should an entrepreneur evaluate to determine if their business respects the Commandment of Scale？
企業家應該要如何評估他們的事業是否符合成長規模的原則？

Answer：An entrepreneur should evaluate potential for limitless profit scaling，asset value growth，customer pool size，replication potential，and unit profit magnitudes．
答案：企業家應該評估無限利潤擴張的可能性、資產價值成長、客戶群規模、複製能力，以及每單位獲利的數量。

10．Question10. 問題

Can you summarize the＇Law of Effection＇that is discussed in this chapter？
你能總結本章中討論的「效能法則」嗎？
Answer：The Law of Effection states that wealth is generated through creating significant impact or value to a vast audience；the larger the impact，the greater the wealth potential．
答案：效果定律指出，財富是透過為龐大受眾創造重大影響力或價值所產生；影響力越大，財富潛力就越高。

11．Question11. 問題

What remains a common barrier for those seeking wealth through business according to this chapter？
依據本章節，對於尋求透過商業獲得財富的人來說，什麼仍然是常見的障礙？
Answer：Common barriers include limited scale，insufficient magnitude，and not being in control of the source of wealth generation，which traps entrepreneurs in lower income brackets．
答案：常見的障礙包括規模有限、影響力不足，以及無法掌控財富產生的來源，這些因素都使企業家被困在較低的收入階層中

12．Question12. 問題

Why is it said that＇tiny habitats create tiny wealth＇？
為什麼人們說「小環境創造小財富」？

Answer：It suggests that operating in a small market limits
答案：這表示在一個小市場經營會受到限制
growth potential，hence leading to limited wealth accumulation；successful businesses need expansive reach for greater economic impact．
成長潛力有限，因此導致財富累積受限；成功的企業需要擴大觸及範圍，以產生更大的經濟影響力。

13．Question13. 問題

What final advice does the chapter give about approaching business endeavors？
這一章對於商業 endeavors 的最終建議是什麼？
Answer：Think big and analyze the scale and magnitude potential of your business to ensure it＇s positioned to access significant wealth through the Law of Effection．
答案：思考宏大願景，並分析你的企業的規模和潛在規模，確保它能夠透過效果法則獲取可觀的財富

Chapter 35 ｜Rapid Wealth：The Interstates｜Q\＆A
第 35 章｜快速致富：高速公路｜問與答

1．Question1. 提問

What is the significance of choosing the right business
選擇正確的事業有何重大意義

path for achieving financial independence？
達成財務自由的道路是什麼？

Answer：Choosing the right business path is crucial because treating a business casually results in hobby－like outcomes，while serious commitment leads to substantial wealth．Just like driving on the fastest roads ensures reaching a destination swiftly， selecting a viable business model sets the stage for
選擇正確的商業道路至關重要，因為隨意對待生意會導致像是業餘愛好的結果，而認真投入則能帶來可觀的財富。就像在最快的道路上行駛能迅速抵達目的地，選擇可行的商業模式為
accelerated financial success.
加速財務成功

2.Question2.問題

How did the author's experience with the limousine
作者與豪華轎車的經歷是如何

business inform his decision-making framework? Answer:The author realized that entering the limo business wouldn’t align with his desire for freedom, scalability, or enjoyment. By applying the weighted average decision matrix (WADM), he was able to identify that his passion lay elsewhere, which helped him make a conscious choice that aligned with his long-term goals.
作者意識到進入禮車事業並不符合他對自由、可擴展性或樂趣的渴望。藉由運用加權平均決策矩陣（WADM），他能夠識別出自己的熱情在其他地方，這幫助他做出一個與長期目標一致的有意識選擇。

3.Question3.問題

What are the Five Fastlane Commandments that define a successful business?
什麼是定義成功企業的五大快速致富誡命？

Answer:1. Thou shalt not invest in a needless business.
答案：1. 不可投資於無意義的生意。
2. Thou shalt not trade time for money.
2. 不可用時間換取金錢。
3. Thou shalt not operate on a limited scale.
3. 汝不可在有限規模中運作。
4. Thou shalt not relinquish control.
4. 汝不可放棄控制權。
5. Thou shalt not let a business startup be an event over the process.
5. 汝不可讓企業創業成為一次事件，而非一個過程。

4．Question4．問題

What are The Three Fastlane Interstates and their importance？
《快速致富之路的三大高速公路是什麼，以及它們的重要性是什麼？》

Answer：The Three Fastlane Interstates are the Internet， Innovation，and Intentional Iteration．These pathways represent the most effective routes to achieving wealth swiftly while satisfying the Fastlane Commandments．They allow for rapid scaling and profitability in a controlled manner．
答案：《快速致富之路》的三大高速公路是網際網路、創新以及有意圖的迭代。這些途徑代表了最有效快速達成財富，同時滿足快速致富法則的路徑。它們以可控方式實現快速擴展和獲利。

5．Question5. 問題

Why is the Internet considered the most potent Fastlane？ Answer：The Internet is considered the most potent Fastlane because it can scale to a global audience，automation is possible，and it allows for high levels of control．Businesses can reach wide markets quickly，often without significant upfront costs．
為什麼網際網路被認為是最強大的快速致富之路？答案：網際網路被認為是最強大的快速致富之路，因為它可以觸及全球受眾，可以實現自動化，並允許高度控制。企業可以快速觸及廣大市場，而且通常不需要龐大的前期成本

6．Question6．問題

How does innovation play a role in achieving financial
創新在實現財務成功中扮演什麼角色

success？成功？

Answer：Innovation involves creating and distributing a
創新涉及創造和分佈一種
product or service that meets a specific need．The key to success lies not only in inventing something new but also in establishing effective distribution channels to ensure the product reaches the target market．
產品或服務能滿足特定需求。成功的關鍵不僅在於發明新事物，還在於建立有效的銷售管道，確保產品能觸及目標市場。

7．Question7. 問題

What does intentional iteration involve，and how can it transform a business？
什麼是有意識的迭代，它又如何改造一家企業？

Answer：Intentional iteration involves repeatedly refining and replicating a business model to increase scalability．By transforming small－scale operations into larger ones through systems and processes，such as franchising，an initial small business can evolve into a significant income－generating machine．
答：有意識的迭代涉及不斷優化和複製企業模式，以提高可擴展性。透過系統和流程（如加盟）將小規模作業轉變為大規模作業，一家初始的小型企業可以演變成重要的收入產生機器

8．Question8.問題

What lesson can be drawn from the author＇s rejection of the limousine opportunity？
作者拒絕搭乘豪華轎車的機會能帶來什麼啟示？

Answer：The lesson is that aligning business ventures with personal interests，scalability，and lifestyle goals is essential． Rejecting opportunities that don＇t align with one＇s aspirations
答案：重點是要將商業機會與個人興趣、擴展性和生活目標緊密結合。拒絕不符合自身抱負的機會
can lead to finding paths that are more profitable and fulfilling．
可以引導我們找到更有利可圖且更有意義的道路。

9．Question9．問題

What impact does the Law of Effection have on wealth generation？
效應法則對財富創造有何影響？

Answer：The Law of Effection states that wealth is generated by impacting a greater number of people．The most successful businesses are those that solve significant problems for large audiences，thereby increasing their potential for financial success．
效應法則指出，財富是透過影響更多人所產生的。最成功的企業是那些為大量受眾解決重大問題，從而提高其財務成功潛力的企業

10．Question10. 問題

How can aspiring entrepreneurs identify a Fastlane opportunity？
如何找出具有快速致富潛力的創業機會？

Answer：Aspiring entrepreneurs can identify Fastlane opportunities by assessing if the business idea satisfies the Five Fastlane Commandments，including market need，the potential for scaling，control over the business，and whether the model is designed as a process for continuous improvement．
答案：有抱負的創業者可以藉由評估商業點子是否符合五大快速致富戒律，包括市場需求、擴展潛力、對業務的控制權，以及該模式是否被設計為持續改進的流程。

Chapter 36 ｜Find Your Open Road｜Q\＆A
第 36 章｜找到你的開放之路｜問與答

1．Question1. 問題

What is the essence of finding opportunities in daily life according to M．J．DeMarco？
根據 M. J. DeMarco 的觀點，在日常生活中尋找機會的本質是什麼？
Answer：Opportunities are everywhere；they manifest in people＇s complaints，inconveniences，or frustration．By observing and addressing these needs，one can identify potential paths for entrepreneurial ventures．
答案：機會無處不在；它們體現在人們的抱怨、不便或挫折感中。透過觀察並解決這些需求，人們可以找出創業的潛在途徑。

2．Question2. 問題

How does value skew play a critical role in entrepreneurship？
在企業創業中，價值偏移扮演什麼關鍵角色？
Answer：Value skew represents how a product or service can be enhanced to stand out against competitors．It requires identifying needs and offering better solutions，making existing concepts more appealing or efficient．
回答：價值偏移代表如何強化產品或服務，使其在競爭對手中脫穎而出。它需要辨識需求並提供更好的解決方案，讓現有概念更具吸引力或效率。

3．Question3. 問題

What mindset should one adopt when confronted with competition in business？
面對商業競爭時，應該採取什麼樣的心態？
Answer：Instead of being discouraged by competition，
答案：與其因競爭而感到沮喪，
successful entrepreneurs ask，＇How can I do this better？＇The key is to innovate through refining existing ideas rather than seeking entirely new concepts．
成功的創業家會問：「我要如何把這件事做得更好？」關鍵在於透過改良現有的想法，而不是尋找全然嶄新的概念

4．Question4．問題

Can you provide an example from the text that illustrates existing ideas leading to entrepreneurial success？ Answer：The text discusses how Google succeeded by improving upon existing search engines rather than creating a new concept．Similarly，Starbucks transformed the coffee experience into a lifestyle brand．
請舉例說明文本中提到的現有想法如何引領創業成功？答案：文本討論了 Google 如何透過改進現有的搜尋引擎而非創造全新概念來成功。同樣地，星巴克將咖啡體驗轉變成一種生活型態品牌。

5．Question5．問題

What phrases indicate potential entrepreneurial
有哪些詞句顯示出潛在的創業

opportunities according to DeMarco？
根據 DeMarco 的說法，什麼是機會？

Answer：Phrases like＇I hate this，＇＇This frustrates me，＇and＇I wish there was．．．＇highlight unfulfilled needs that can be addressed through business solutions．
答案：像是「我很討厭這個」、「這讓我很沮喪」和「我希望有辦法……」等字眼，突顯了可以透過商業解決方案來滿足的未被滿足的需求

6．Question6．問題

What is the difference between quitting and quitting your road？
什麼是放棄和放棄你的道路之間的差異？

Answer：Quitting refers to abandoning one＇s dreams entirely，
回答：放棄意味著完全拋棄自己的夢想，
while quitting your road means changing direction toward a new goal without relinquishing the underlying dream．
而放棄你的道路則意味著朝向新目標改變方向，但不會放棄潛在的夢想

7．Question7. 問題

What lesson can be drawn from the concept of failure in entrepreneurship？
從創業中的失敗概念可以學到什麼？
Answer：Failure often leads to new opportunities．It’s crucial to embrace setbacks as a means to discover new paths rather than allowing them to end one＇s entrepreneurial journey．
答案：失敗常常會帶來新的機會。重要的是要將挫折視為發現新道路的方法，而不是讓它們終結自己的創業之路。

8．Question8.問題

How can one train themselves to spot entrepreneurial opportunities？
如何訓練自己發現創業機會？

Answer：By sharpening one＇s senses to recognize discomfort， dissatisfaction，and frequent complaints in everyday life． Practicing this helps tune in to potential problems that can be solved．
答案：藉由敏銳地察覺日常生活中的不適、不滿意以及頻繁的抱怨。練習這種方式有助於找出可以解決的潛在問題。

9．Question9. 問題

What is the main takeaway at the end of Chapter 36 regarding success in entrepreneurship？
第 36 章結尾關於創業成功的主要啟示是什麼？
Answer：Success lies in execution，not merely in the idea； addressing existing needs with better solutions through value
答案：成功在於執行，而不僅僅是想法；透過價值來解決現有需求並提供更好的解決方案
skew can lead to significant entrepreneurial success.
側重可以帶來顯著的創業成功。

Positive feedback正面回饋

Sara Scholz莎拉·舒茲
tes after each book summary erstanding but also make the and engaging. Bookey has ling for me.
每本書摘要後的測試不僅有助於理解，而且更加生動有趣。Bookey 對我來說很有幫助。

Awesome app!超棒的應用程式！

Rahul Malviya拉胡爾·馬爾維亞

I love audiobooks but don’t always have time to listen to the entire book! bookey allows me to get a summary of the highlights of the book I’m interested in!!! What a great concept !!!highly recommended!
我很喜歡有聲書，但並非總是有時間聽完整本書！Bookey 讓我能夠獲得我感興趣書籍的重點摘要！！！真是個絕妙的概念！！！強烈推薦！

Wonnie Tappkx旺尼·塔普克斯

Love it!
\section{Love it!}
太愛了！\section{太愛了！}

sé Botín塞·波丁
ding habit 's design ral growth
習慣設計的自然成長

Fantastic!!!太棒了！！！

Masood El Toure馬蘇德‧艾托雷

I’m amazed by the variety of books and languages Bookey supports. It’s not just an app, it’s a gateway to global knowledge. Plus, earning points for charity is a big plus!
我對 Bookey 支援的書籍和語言種類感到驚豔。這不僅僅是一款應用程式，更是通往全球知識的大門。而且，能為慈善賺取點數是個很大的加分！

Time saver!省時神器！

Bookey is my go-to app for summaries are concise, in curated. It’s like having acc right at my fingertips!
Bookey 是我最愛用的摘要 APP，內容簡潔精華、精心策劃。就像隨時都能掌握知識一樣！

Beautiful App美妙的應用程式

Alex Wall亞歷克斯·沃爾

This app is a lifesaver for book lovers with busy schedules. The summaries are spot on, and the mind maps help reinforce wh I’ve learned. Highly recommend!
對於作息忙碌的書迷來說，這款 APP 絕對是救星。摘要精準到位，心智地圖更能幫助鞏固所學。強烈推薦！

Free Trial with Bookey
使用 Bookey 免費試用

Chapter 37 | Give Your Road a Destination| Q&A
第 37 章 | 為你的道路設定目的地 | 問與答

1.Question1.問題

What is the main tragedy of life according to Benjamin Mays?
根據本傑明·梅斯的說法，人生的主要悲劇是什麼？
Answer:The tragedy lies in having no goal to reach.
答：悲劇在於沒有可達成的目標。

2.Question2.問題

What is the ultimate goal of the Fastlane?
作者追求的終極目標是什麼？
Answer:The ultimate goal is to crown your happiness with freedom.
答案：終極目標是用自由來成就你的幸福。

3.Question3. 問題

What is required for freedom according to the author? Answer:Freedom has a price, and that price is money.
根據作者的說法，要獲得自由需要什麼？答案：自由是有代價的，而這個代價就是金錢。

4.Question4. 問題

What are the two strategies to reach your desired lifestyle?
要達到理想生活方式，有哪兩種策略？
Answer:The two strategies are: 1) Building a money system that supports your lifestyle through savings and investments.
答案是：兩種策略是：1) 透過儲蓄與投資，建立支持你生活方式的金錢系統。
2) Creating a business system that generates passive cash flow.
2) 建立能產生被動現金流的商業系統。

5.Question5.問題

What is the first step in the four－step process to achieve your destination？
在達成目標的四步驟中，第一步是什麼？
Answer：Define the Lifestyle：What do you want？
答案：定義生活方式：你想要什麼？

6．Question6. 問題

How can you assess the cost of your dreams？
你要如何評估夢想的成本？
Answer：Determine the monthly cost for each aspect of your desired lifestyle，including all expenses and life overhead．
答案：確定你理想生活方式每個面向的每月開支，包括所有支出和生活成本。

7．Question7. 問題

What is the Olympic Fallacy mentioned in the chapter？ Answer：The Olympic Fallacy occurs when someone wants to achieve a major goal，like making

$ 5, 000

a month，without learning to make smaller amounts first，like \＄50 a month．
章節中提到的奧林匹克謬論是什麼？答案：奧林匹克謬論發生在某人想要實現重大目標，例如每月賺取

$ 5, 000

，但未先學會賺取較小金額（如每月 50 美元）的情況

8．Question8. 問題

What does the concept of the＇escape number＇refer to？ Answer：The escape number is the amount of money needed to retire and support your desired lifestyle．
「逃脫數字」概念是指什麼？答案：逃脫數字是指要退休並支持您理想生活所需的金錢數額

9．Question9．問題

Why is financial literacy important in building a financial empire？
為什麼財務素養在建立財務帝國中很重要？
Answer：Financial literacy is crucial to understanding finance
答案：財務素養對於理解財務
and economics，which are the building blocks for managing and growing wealth．
和經濟至關重要，這些是管理和成長財富的基礎

10．Question10. 問題

What does living below your means mean for a
對於一個人來說，「量入為出」意味著什麼

Fastlaner？快速車道人？

Answer：For a Fastlaner，living below your means means to maximize income and asset values while not sacrificing lifestyle．
對於一位快速致富者來說，量入為出意味著在不犧牲生活品質的情況下，最大化收入和資產價值

11．Question11. 問題

What warning is given about hiring a financial adviser？
關於聘請理財顧問有什麼警告？

Answer：Hiring a financial adviser doesn＇t fix financial illiteracy；one must still be competent to assess the adviser＇s recommendations．
答案：僱用財務顧問並不能解決財務知識缺乏的問題；一個人仍然需要具備評估顧問建議的能力。

12．Question12. 問題

system？系統？

Answer：Start by making small contributions to a savings fund，visualizing progress towards your goal，and changing your relationship with money．
答案：從小額存入儲蓄基金開始，想像自己邁向目標的進展，並改變與金錢的關係

13．Question13. 問題

What is the key takeaway from the chapter regarding dreams and money？
這一章節對於夢想與金錢有什麼關鍵啟示？
Answer：Dreams cost money，and the Fastlane is the means to achieve your desired ends by understanding and managing your finances．
回答：夢想需要金錢，而快速車道就是透過了解和管理財務來達成你所期望的目標。

Chapter 38 ｜The Speed of Success｜Q\＆A
第 38 章｜成功的速度｜問與答

1．Question1. 問題

What is the primary distinction between an idea and execution according to DeMarco？
根據 DeMarco 的觀點，想法與執行之間的主要差異是什麼？
Answer：An idea is simply a potential speed；it＇s like a supercar＇s speedometer that shows 220 mph but remains parked．In contrast，execution is the actual application of effort and resources to bring that idea to life，transforming it into real－world results．
答案：想法只是潛在的速度；就像是一輛超跑的速度表顯示時速 220 英里，但車子仍然停在原地。相比之下，執行是將該想法付諸實踐的實際努力和資源投入，將其轉化為現實世界的成果。

2．Question2. 問題

How does the concept of planned obsolescence relate to personal success？
計劃性淘汰的概念與個人成功有何關聯？
Answer：Planned obsolescence reflects the expectation that people will not follow through on their ideas or purchases．In
答案：計劃性淘汰反映了人們不會落實自身想法或購買的預期。在
the context of personal success，it signifies that doing nothing is the norm，and many people will buy into＇get－rich－quick＇ schemes without taking any significant action．
個人成功的脈絡中，它意味著無所作為是常態，許多人會買入「快速致富」的計畫，卻不採取任何實質性行動

3．Question3. 問題

Why is the analogy of chess used in discussing business strategy？
為什麼在討論商業策略時會使用西洋棋的類比？

Answer：Chess is a complex，multi－dimensional game where each piece has unique roles and movements，symbolizing how a successful business must strategize across different functions．Unlike checkers，where all pieces move uniformly， successful entrepreneurs must approach their business in a nuanced way，treating different elements like unique chess pieces．
西洋棋是一個複雜的多維度遊戲，每個棋子都有獨特的角色和移動方式，象徵著成功的企業必須在不同職能間進行策略性佈局。不同於跳棋中所有棋子以相同方式移動，成功的創業家必須以更精細的方式經營自身事業，將不同元素視為獨特的棋子

4．Question4.問題

What ultimately determines success in business according
商業成功的最終決定因素究竟是什麼

to the chapter？我想您可能想詢問「前往本章節？」或「進入本章節？」。由於只有一小段文字且上下文不明，我建議提供完整段落，以便做更精確的繁體中文翻譯

Answer：Success in business is determined by execution rather than the idea itself．While many may have the same idea，it is the one who executes it effectively who stands out
商業成功取決於執行力，而非想法本身。雖然許多人可能有相同的想法，但能有效執行的人才能脫穎而出
and achieves financial success.
並獲得財務成功。

5.Question5.問題

How does DeMarco suggest entrepreneurs view their ideas?
DeMarco 如何建議企業家看待自己的想法？

Answer:DeMarco proposes that entrepreneurs should view their ideas as worthless in isolation, much like pawns in a game of chess. The true value comes when these ideas are combined with strong, effective execution which turns them into profitable ventures.
DeMarco 提出，企業家應該將自己的想法視為單獨存在時毫無價值，就像棋盤上的棋子。真正的價值在於將這些想法與強有力且有效的執行結合，進而轉化成有利可圖的商業機會。

6. Question6. 問題

What does the metaphor of the Lamborghini's speedometer signify?
藍寶堅尼的速度表代表什麼意義？

Answer:The Lamborghini’s speedometer represents unrealized potential; while it shows impressive numbers, without driving the vehicle, that potential remains untapped-similar to having great business ideas but failing to act on them.
答案：藍寶堅尼的速度表代表未實現的潛力；雖然顯示了驚人的數字，但若不開車，那些潛力就仍然是未被開發的——就像擁有絕佳的商業點子，但卻未付諸行動一樣。

7.Question7.問題

How can one transform potential speed into actual speed?
如何將潛在速度轉化為實際速度？

Answer:Transforming potential speed into actual speed
答案：將潛在速度轉化為實際速度
involves taking that initial idea and executing it—applying real effort，making informed decisions，and continually moving forward to bring the idea into reality．
這涉及將初始想法付諸實行——投入真正的努力，做出明智的決策，並持續向前推進，將想法變為現實。

8．Question8.問題

What is the key takeaway about execution from
關於執行力，來自

DeMarco＇s writing？DeMarco 的寫作中有什麼關鍵收穫？

Answer：The key takeaway is that execution is king；it is the driving force behind success．Without execution，even the best ideas fall flat，while average ideas can soar if executed well．
答：關鍵收穫是執行力至高無上；它是成功的驅動力。若沒有執行力，即使最好的想法也會失敗，而平凡的想法只要執行得當就可能成功

9．Question9．問題

What role does discipline play in execution，according to the chapter？
根據章節內容，紀律在執行過程中扮演什麼角色？
Answer：Discipline is crucial in the execution process as it instills the commitment and sustained effort necessary to take ideas from conception to realization，overcoming the inertia that often accompanies inaction．
解答：紀律在執行過程中至關重要，因為它灌輸了將想法從構思推向實現所需的承諾和持續努力，並克服通常伴隨著不作為的惰性。

10．Question10．問題

What does DeMarco mean by＇ideas（events）are worthless；execution（process）is priceless＇？
DeMarco 的意思是，單純有一個好點子或事件本身並不具有太大價值。真正有價值的是將這個點子付諸實踐的過程，也就是如何執行和實現這個點子。僅有創意並不足以成功，關鍵在於如何有效且堅持不懈地將創意轉化為現實。執行力才是真正決定一個想法成敗的關鍵因素

Answer：This phrase underscores the notion that ideas by themselves lack inherent value unless they are acted upon． Execution represents the sustained effort and strategy that can lead to actual financial success and growth．
這句話強調了一個觀點：創意本身並不具有內在價值，除非付諸實踐。執行力代表著可以帶來實際財務成功與成長的持續努力和策略。

Chapter 39 ｜Burn the Business Plan，Ignite Execution｜Q\＆A
第 39 章｜燒掉商業計畫，點燃執行力｜問與答

1．Question1. 問題

What is the core message of the chapter regarding
本章的核心訊息是什麼

business plans？商業計畫書？

Answer：Business plans are largely considered useless because they are merely ideas until paired with execution．The world reacts to executed ideas， revealing their viability through market response and feedback．
答：商業計畫書基本上被認為是沒有用的，因為在付諸實踐之前，它們只是一些想法。世界會對已執行的想法產生反應，透過市場的回應和回饋來驗證其可行性。

2．Question2. 問題

According to DeMarco，how important is execution compared to having a business plan？
根據德馬科的看法，執行力相較於擁有一份商業計畫書，其重要性如何？
Answer：Execution is paramount．A strong track record of execution is what attracts investors and validates a business plan，not the plan itself．
答：執行力至關重要。一個強勁的執行記錄才是吸引投資人並驗證商業計畫書的關鍵，而不是計畫書本身

3．Question3．問題

Can you provide an example of how the world influences a business idea？
您能否舉例說明世界如何影響一個商業點子？

Answer：DeMarco shares his experience with a website redesign that he thought would be successful，but the market reaction was overwhelmingly negative．This feedback led him to revert to the previous design，demonstrating that the world guides business decisions through its reactions．
回答：DeMarco 分享了他曾經認為會成功的網站重新設計，但市場反應卻極為負面。這個回饋促使他回復到先前的設計，展示了世界如何透過其反應來引導商業決策

4．Question4．問題

How should entrepreneurs approach their business ideas， according to the text？
根據文本，企業家應該如何看待他們的商業點子？

Answer：Entrepreneurs should put their ideas into action immediately and observe the world＇s reaction to refine and steer their direction．
答案：企業家應立即將點子付諸實踐，並觀察世界對此的反應，以調整和引導方向。

5．Question5. 問題

What does DeMarco say about the relationship between ideas and execution？
德馬可對於點子與執行之間的關係有何看法？

Answer：He emphasizes that ideas alone are insufficient； without execution，they remain dormant．It＇s the execution that gets ideas into the world where they can be tested and
答案：他強調單有點子是不夠的；如果不付諸執行，點子將永遠停留在原地。唯有執行，才能讓點子進入現實世界，並接受檢驗
validated.已驗證。

6. Question6. 問題

What implication does this chapter have for those seeking
本章節對於那些尋求

investor funding?投資人資金？

Answer:To attract investors, individuals should focus on creating tangible products or prototypes that display their execution capabilities, rather than seeking funding based solely on a written business plan.
為了吸引投資人，個人應該專注於開發具體的產品或原型，以展示他們的執行能力，而不是僅憑書面商業計劃書尋求資金。

7.Question7.問題

What lesson can be drawn about failure and setbacks in business?
在商業領域中，我們可以從失敗和挫折中得到什麼啟示？

Answer:Failures and negative feedback are valuable learning experiences. They guide entrepreneurs to pivot and adapt their strategies based on real-world outcomes.
失敗與負面回饋是寶貴的學習經驗。它們引導企業家根據現實世界的結果調整和改變策略。

8.Question8.問題

How should business ideas be treated before they are executed?
商業點子在執行前應該如何看待？
Answer:Business ideas should be viewed as hypotheses that require testing and experimentation in the market. Only through execution can their true potential be assessed.
商業點子應該被視為需要在市場中進行測試和實驗的假設。唯有透過實際執行，才能評估其真正潛力。

9.Question9. 問題

Why does DeMarco advocate for 'burning the business
為什麼狄馬科提倡「燒掉事業」

plan’?你的計劃是什麼？

Answer:He encourages this radical approach because traditional business plans often stall creativity and responsiveness. Instead, immediate action leads to real learning and adaptation.
他鼓吹這種激進的方法，是因為傳統的商業計劃常常會阻礙創造力和應變能力。相反地，立即採取行動能帶來真正的學習和調整。

10.Question10.問題

What is the ultimate judge of business ideas, according to DeMarco?
根據狄馬科的觀點，商業點子的最終評判是什麼？

Answer:The ultimate judge is the marketplace. The market expresses its preference through customer engagement, feedback, and financial support.
終極的評判者是市場。市場透過顧客的參與、回饋和財務支持來表達其偏好。

Finish Your Reading Challenge, Donate Books to African Children.
完成你的閱讀挑戰，捐贈書籍給非洲兒童。

The Concept概念

This book donation activity is rolling out together with Books For Africa. We release this project because we share the same belief as BFA: For many children in Africa, the gift of books truly is a gift of hope.
此書籍捐贈活動與非洲圖書基金會（Books For Africa）攜手進行。我們推出這個計畫，是因為我們與非洲圖書基金會有著相同的信念：對於非洲的許多孩童來說，贈與書籍實際上就是給予希望的禮物。

The Rule規則

Chapter 40 ｜Pedestrians Will Make You Rich！｜ Q\＆A
第 40 章 | 路人會讓你變有錢！| 問與答

1．Question1. 問題

Why are complaints considered valuable in a business context？
為什麼在商業脈絡中，抱怨被視為有價值的？
Answer：Complaints are a form of feedback that reveal unmet needs and problems within a business．
答案：投訴是一種回饋形式，揭示企業內未滿足的需求和問題。

They act as insights into customer expectations and behaviors，allowing owners to identify areas for improvement．For instance，logging complaints in a ＇black book＇can uncover patterns that highlight operational issues or marketing failures，guiding businesses in their strategic decisions．
它們如同洞察客戶期望和行為的窗口，讓經營者能找出可改進的領域。舉例來說，在「黑皮書」中記錄投訴，可以發現凸顯營運缺失或行銷失敗的模式，進而指導企業制定策略性決策。

2．Question2．問題

What are the four types of complaints，and why is it important to distinguish between them？
四種投訴類型是什麼，為什麼區分它們很重要？
Answer：The four types of complaints are：Complaints of Change，Complaints of Expectation，Complaints of Void，and Complaints of Fraud．Distinguishing between them is vital because each type indicates different issues in your business．
答：四種投訴類型分別是：變更投訴、期望投訴、空白投訴和詐欺投訴。區分這些類型至關重要，因為每種類型都表明了企業中不同的問題。

Complaints of Change often reflect resistance to new offerings，Expectation complaints highlight failures in marketing or fulfillment，Void complaints signal unmet customer needs that can point to new opportunities，and Fraud complaints usually indicate dishonest customer behavior．
變更投訴通常反映出對新產品的抗拒，期望投訴突顯了行銷或履約的缺失，空白投訴顯示出未滿足的顧客需求，可能指向新的商機，而詐欺投訴通常表示顧客的不誠實行為。

3．Question3. 問題

How can businesses turn poor customer service experiences into opportunities？
企業如何將糟糕的客戶服務體驗轉化為機會？

Answer：Businesses can exploit poor service standards by providing＇Superior Unexpected Customer Service＇（SUCS）． Since many customers expect subpar service，exceeding those expectations can create loyal customers who not only return but also recommend the business to others，effectively creating a volunteer marketing force．
企業可以透過提供「超乎意料的優質顧客服務」（SUCS）來利用低落的服務標準。由於許多顧客已經習慣糟糕的服務，超越他們的期望可以創造出忠誠的客戶，這些客戶不僅會再度光臨，還會主動向他人推薦該企業，有效地形成一支志願性的行銷部隊。

4．Question4. 問題

What strategy can be used to leverage customer satisfaction for business growth？
如何利用客戶滿意度推動企業成長？

Answer：To leverage customer satisfaction，a business should
答案：要善用客戶滿意度，企業應該
aim to exceed expectations consistently，turning satisfied customers into disciples or brand evangelists．This can be achieved through excellent customer service and responsiveness，encouraging word－of－mouth promotion， which costs nothing compared to traditional advertising．
持續超越客戶期望，將滿意的顧客轉變成品牌的忠實支持者或推廣者。這可以透過優質的顧客服務和即時回應來達成，進而鼓勵口碑行銷，相較於傳統廣告，這種方式幾乎是零成本。

5．Question5. 問題

According to the chapter，what should be the primary loyalty of a business owner？
依照本章，企業主的首要忠誠應該是什麼？
Answer：The primary loyalty of a business owner should be to the customer．By placing customer needs and satisfaction at the forefront，business owners can create a relationship that leads to sustainable success and growth，as satisfied customers are the driving force behind profits．
答案：企業主的首要忠誠應該是顧客。藉由將顧客的需求和滿意度放在首位，企業主可以建立一種能帶來永續成功和成長的關係，因為滿意的顧客是獲利的驅動力。

6．Question6. 問題

What is the significance of＇looking big but acting small＇ in business？
在商業中，「看起來很大但行事很小」有什麼重要性？

Answer：＇Looking big but acting small＇allows a business to present itself as a formidable competitor while still providing personalized，attentive service．This strategy can deter
「外表看似龐大但實際運作精巧」可以讓企業呈現出一個強勁的競爭對手形象，同時仍能提供貼心、客製化的服務。這項策略可以嚇阻
potential competitors who may feel intimidated by the perceived size of the business，enabling a competitive edge in the marketplace．
可能會被企業表面規模所震懾的潛在競爭對手，從而在市場中取得競爭優勢。

7．Question7. 問題

Why is it critical for business owners to manage customer expectations？
為什麼企業主管理顧客期望如此關鍵？

Answer：Managing customer expectations is critical because mismatched expectations can lead to complaints of expectation，harming customer satisfaction．By clearly communicating what customers can expect，businesses can align service delivery with actual performance，thus minimizing disappointment and fostering trust．
妥善管理顧客期望是至關重要的，因為不符合預期可能導致期望落差的投訴，進而損害顧客滿意度。透過清楚地溝通顧客可以預期的服務，企業可以將服務交付與實際表現對齊，從而降低失望並建立信任。

8．Question8. 問題

How can customer complaints lead to new business opportunities？
顧客投訴如何帶來新的商業機會？

Answer：Customer complaints，especially those categorized as Complaints of Void，explicitly reveal unmet needs．By addressing these complaints，businesses can adjust their offerings to better meet market demands，thereby unlocking
答案：顧客投訴，尤其是被歸類為「空白投訴」的那些，明確揭示了未被滿足的需求。藉由處理這些投訴，企業可以調整其產品或服務，以更好地滿足市場需求，從而開拓
new revenue streams and enhancing the overall value of their service or product．
創造新的收入來源，並提升其服務或產品的整體價值。

9．Question9. 問題

What is a powerful form of advertising mentioned in the chapter，and how is it generated？
在本章中提到的廣告形式中，有哪一種特別有力，它是如何產生的？
Answer：Word of mouth，described as social proof，is a powerful form of advertising generated by satisfied customers who act as unpaid promoters for a business．When customers experience excellent service exceeding their expectations，they are likely to share their positive experiences with others，leading to new business without additional advertising costs．
答：口碑，也被描述為社交證明，是一種由滿意的客戶所產生的強大廣告形式，這些客戶會不支薪地為企業做推廣。當客戶獲得超出預期的優質服務時，他們很可能會與他人分享自身正面的體驗，從而帶來新的商機，且不需額外的廣告成本

10．Question10. 疑問

What does the author suggest is the key to ensuring
作者建議確保財富的關鍵在於

long－term business success？
長期的商業成功？

Answer：The key to ensuring long－term business success is to prioritize customer satisfaction and loyalty over short－term financial gains．By focusing on creating and maintaining a loyal customer base，businesses can achieve sustained
確保長期商業成功的關鍵，是將客戶滿意度和忠誠度置於短期財務收益之上。藉由專注於打造並維持一個忠誠的客戶基礎，企業可以實現持續的
profitability and growth.
獲利能力與成長性。

Chapter 41 | Throw Hijackers to the Curb!| Q&A
第 41 章 | 將劫機者拋到路邊！| 問與答

1.Question1.疑問

What lesson can be learned about business partnerships
關於商業夥伴關係，可以學到什麼樣的課題在商業夥伴關係中，有幾個重要的學習要點：首先，選擇合夥人時要非常謹慎，務必確保彼此的價值觀、工作倫理和長期目標是一致的。其次，清楚界定每個人的角色、責任和貢獻，並以書面合約明確記錄，避免未來可能的 misunderstanding 或衝突。再者，保持開放且誠實的溝通非常關鍵，定期討論業務進展、挑戰和機會。最後，即使是最好的夥伴關係也可能會面臨考驗，因此必須建立解決衝突的機制，並對彼此保持尊重和專業態度。一個成功的商業夥伴關係需要互信、互相尊重，以及對共同目標的堅定承諾

from the story of Jim and Mike?
從吉姆和麥克的故事中我們能學到什麼？

Answer:Partnerships should be approached with caution as they are akin to marriages; both require trust, compatible visions, and shared work ethics. Just like a marriage can end in bitter divorce if partners are incompatible, business partnerships can fail when there is lack of effort and commitment from one side.
夥伴關係應該謹慎對待，因為它們類似於婚姻；兩者都需要信任、相容的願景和共同的職業道德。就像不相容的婚姻可能以痛苦的離婚告終一樣，如果一方缺乏努力和承諾，商業夥伴關係也可能失敗。

2.Question2.問題

Why is it crucial to choose the right team members, such as accountants and attorneys?
為什麼選擇正確的團隊成員（如會計師和律師）至關重要？
Answer:Accountants and attorneys hold significant influence over business decisions and finances. A good team can save you money and protect your interests, while a poor choice can lead to costly mistakes and financial ruin.
答：會計師和律師對商業決策和財務有重大影響。好的團隊可以為你節省金錢並保護你的利益，而糟糕的選擇可能導致代價高昂的錯誤和財務毀滅。

3．Question3．問題

Answer：Using blind trust without verification can expose you to significant risks，including fraud or theft．It＇s vital to ensure that those you trust have proven integrity and that you verify their claims before committing to business relationships．
答案：盲目信任而不經過驗證，可能會讓你面臨重大風險，包括詐騙或竊盜。確保那些值得信任的人確實具有正直誠信，並在建立商業關係之前驗證他們的說詞，這點至關重要。

4．Question4. 問題

What does＇Verify First，Trust Later＇mean for entrepreneurs？
「先驗證，後信任」對企業家意味著什麼？

Answer：Entrepreneurs should seek evidence of integrity and competence before trusting others in business．This involves doing due diligence，background checks，and not relying solely on someone＇s word or superficial attributes．
答案：企業家應該在信任他人前，先蒐集誠信和能力的證據。這包括盡職調查、背景調查，而不是單純依賴他人的口頭承諾或表面特質

5．Question5. 問題

What are the implications of poor customer service according to the author＇s experiences？
根據作者的經驗，糟糕的客戶服務會帶來哪些影響？
Answer：Poor customer service can undermine even the most luxurious and well－designed products or services．The customer experience is shaped by how employees interact
答案：糟糕的客戶服務可能會破壞即便是最奢華且設計精良的產品或服務。客戶體驗是由員工互動的方式所塑造的
with customers, and failing to prioritize excellent service can lead to loss of business.
與客戶互動，若未將優質服務列為優先，將可能導致生意流失。

6.Question6.問題

How should a business philosophy be communicated to employees?
企業的服務理念應如何傳達給員工？
Answer:A customer service philosophy must be ingrained in every employee’s actions and behaviors. It cannot simply be stated in a mission statement; it requires consistent, proactive engagement and training to ensure that employees embody the company’s values in their interactions.
回答：顧客服務理念必須深植於每一位員工的行動和行為中。它不能僅僅寫在使命聲明中；而是需要持續、主動的參與和訓練，確保員工在互動中體現公司的核心價值。

7.Question7.問題

What is the overall message regarding the management of one’s business castle?
企業城堡的整體管理有什麼樣的重要訊息？

Answer:Your business, like a castle, requires careful management of its inhabitants-partners, employees, and advisers. To thrive, you must ensure that those you associate with share your values and vision, contribute positively, and uphold the integrity of your business.
答案：你的企業就像一座城堡，需要謹慎管理其中的居民——夥伴、員工和顧問。要成功，你必須確保與你合作的人能夠分享你的價值觀和願景，積極貢獻，並維護企業的誠信。

8.Question8.問題

What can be inferred about the importance of employee
可以推斷出員工的重要性是有限的。作為一個依賴工資收入的員工，你實際上是在為別人的財富夢想工作。傳統的職業道路意味著你將花費大部分的生命時間，僅僅換取每月微薄的固定薪資。這種模式不僅限制了你的收入潛力，也控制了你的時間自由。真正的財務自由不在於穩定且有限的薪資，而是在於創造可擴展的收入來源，並建立能夠產生被動收入的系統

selection and training from the chapter？
這個章節的選擇與訓練是什麼？

Answer：Selecting and training employees who understand and align with your customer service philosophy is essential； they directly influence customer perceptions and the overall success of your business．
選擇並培訓能夠理解且與您客戶服務理念一致的員工，是至關重要的；他們直接影響客戶的印象以及您企業的整體成功

9．Question9．問題

What advice is given about approaching financial advisors or investors？
關於接觸財務顧問或投資者，有什麼建議？

Answer：Seek advisors who demonstrate experience with business owners and understand the fast－paced nature of entrepreneurship，rather than those who cater to traditional， slower business methods．
尋找那些對商業主管有豐富經驗、並瞭解創業快速步調的顧問，而不要選擇那些迎合傳統、較為緩慢商業模式的顧問。

10．Question10. 問題

What analogy does the author use to describe blind trust in business？
作者用什麼類比來描述商業中的盲目信任？
Answer：The author likens blind trust to picking up a hitchhiker carrying a case of beer while neglecting the danger posed by a hidden chainsaw－symbolizing that one must be aware of hidden risks and not be swayed by immediate
答：作者將盲目信任比喻成在不察覺隱藏在背後之危機的情況下，遇到一位攜帶啤酒箱的搭便車客──這象徵著必須警覺隱藏的風險，不要被表面現象所迷惑
appeals．有吸引力。

Chapter 42 ｜Be Someone＇s Savior｜Q\＆A
第 42 章｜成為他人的救星｜問與答

1．Question1. 問題

What is the central idea behind being a savior in business？
在商業中，成為救星的核心理念是什麼？

Answer：The central idea is that your product or service should fulfill a genuine need or solve a problem for your customers，effectively making it their＇knight in shining armor．＇This approach distinguishes your offering from mere＇me－too＇ businesses that enter the market without addressing a real demand．
答：核心理念是您的產品或服務應該滿足顧客真正的需求或解決他們的問題，有效地成為他們的「閃亮盔甲騎士」。這種方式將您的產品與那些進入市場卻沒有解決實際需求的「我也一樣」商業模式區分開來

2．Question2. 問題

How does commoditization affect businesses？
商品化如何影響企業？

Answer：Commoditization occurs when products or services are seen as identical among providers，leading customers to choose based on price rather than value．This situation forces businesses into price wars，eroding profitability and sustainability．
商品化發生於當產品或服務在提供者之間被視為同質時，導致顧客基於價格而非價值做選擇。這種情況迫使企業陷入價格戰，侵蝕獲利能力與永續性。

3．Question3. 問題

Why should entrepreneurs focus on market needs rather than personal desires？
為什麼企業家應該專注於市場需求，而非個人慾望？
Answer：Entrepreneurs should prioritize market needs to avoid entering saturated or unprofitable industries．Starting a business based solely on personal desire，such as＇doing what you love＇，often ignores the essential demand，leading to failure．
答：企業家應優先考慮市場需求，以避免進入已飽和或無利可圖的產業。單純根據個人慾望（如「做自己熱愛的事」）開創企業，往往忽略了基本市場需求，最終導致失敗

4．Question4．問題

What mistake do many business owners make regarding competition？
許多企業主在競爭方面會犯什麼錯誤？
Answer：Many business owners obsess over their competitors instead of concentrating on their own product and innovation． This reactive mindset can hinder growth and limit their ability to lead in their industry．
答案：許多企業主過度關注競爭對手，而不是專注於自身產品和創新。這種被動的心態會阻礙成長，並限制他們在產業中領導的能力。

5．Question5. 問題

What should businesses do instead of focusing on competition？
企業應該做些什麼，而不是專注於競爭？

Answer：Businesses should divert the majority of their attention（95\％）away from competitors and instead focus on
企業應將大部分注意力（95%）從競爭對手身上移開，轉而專注於
identifying and filling customer needs，innovating，and differentiating their offerings from the market．
辨識並滿足顧客需求、創新，以及在市場中區隔自身產品

6．Question6．問題

How can competition be leveraged effectively？
如何有效運用競爭？

Answer：Competition can be leveraged to identify weaknesses in other companies and exploit those weaknesses to provide better customer service，improved value，or unique products．
答案：藉由競爭，可以識別其他公司的弱點，並利用這些弱點提供更好的客戶服務、提升價值或推出獨特產品。

This strategic focus can help differentiate a business and attract more customers．
這種策略性思維可以幫助企業脫穎而出，吸引更多客戶。

7．Question7. 問題

What crucial lesson does Chapter 42 emphasize for aspiring entrepreneurs？
第 42 章對於有志創業者強調了什麼關鍵的課題？

Answer：Chapter 42 emphasizes the importance of entering a business with a need－based premise and striving to innovate and add unique value that meets customer demands，rather than merely seeking to be a business owner．
第 42 章強調進入一個基於需求的商業模式，並致力於創新和提供符合顧客需求的獨特價值，而不僅僅是追求成為一個企業主

8．Question8. 問題

What is the ultimate goal of differentiation in business？ Answer：The ultimate goal of differentiation is to establish a unique value proposition that prevents commoditization，
商業差異化的最終目標是什麼？答案：差異化的最終目標是建立一個獨特的價值主張，防止商品化，
thereby allowing businesses to attract and retain customers， even in competitive markets．
從而使企業能在競爭激烈的市場中吸引並留住顧客。

9．Question9. 問題

How does one avoid falling into the commoditization trap in their business？
如何避免在商業上陷入商品化的陷阱？

Answer：One can avoid the commoditization trap by continuously innovating，understanding customer needs deeply，and providing exceptional value that stands apart from existing offerings，rather than competing primarily on price．
答案：可以透過持續創新、深入了解客戶需求，以及提供區別於現有產品的卓越價值，而不是主要依靠價格競爭，來避免商品化的陷阱。

Today’s Bookey今日書摘

You你
is first for me. How the makes me feel, it’s like r. It has to match my life.

s

happening around me . That’s where it comes from.
對我來說，這首先是關於感受。它如何讓我感覺，就像是 r。它必須符合我的生活。

s

發生在我周圍的事情。這就是它的來源。
-Boots Rijiey

12,
Get enough points to donate a book
獲得足夠的點數來捐贈一本書

Hannah漢娜

Daily Goals每日目標

A 1 diay streat 一本日記本	I	w		$◻$
A 1 diay streat 一本日記本				Best score: 2 days 最佳分數：2 天
Time of Use使用時間			Finished已完成
6183		102		sames相同
용用		z

ATOMIC HABITS原子習慣

Atomic Habits Four steps to build good habits and break bad ones James Cloar
原子習慣：培養好習慣與打破壞習慣的四個步驟詹姆斯·克利爾

36 \min 3

key insights Finished I 3 key insights Finished sour

36 \min 3

關鍵見解已完成我 3 關鍵見解已完成酸

Description描述
Why do so many of us fail to lose weight? Why can’t we go to bed early and wake up early? Is it because of a lack of determination? Not at all. The thing is, We are doing it the wrong way More specifically it’s because we haven’t built an effective behavioral
為什麼我們中的許多人無法減重？為什麼我們無法早睡早起？這是因為缺乏決心嗎？完全不是。問題是，我們做事的方法是錯誤的。更具體地說，是因為我們尚未建立有效的行為

1,1
国 Read國家閱讀
17:25

T = e

Library圖書館
Bookeys寶貝書摘
IdeaClips想法剪輯
Notes筆記
Quotes引言
Saved已儲存
4 Downloaded4 已下載

Finished已完成

History歷史
14/08/2024
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h. After five hours of flying, before
在飛行五小時後，在

Chapter 1 of 5第 1 章（共 5 章）
Overview概述
Hi, welcome to Bookey. Today we’ll unlock the book Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones.
嗨，歡迎來到 Bookey。今天我們將解析《原子習慣：輕鬆有效的好習慣養成與壞習慣戒除之道》這本書。

Imagine you’re sitting in a plane, flying from Los Angeles to New York City. Due to a mysterious and undetectable turbulence, your aircraft’s nose shifts e is landing. you know it, the plane is landing.
想像你正坐在飛機上，從洛杉磯飛往紐約市。由於一陣神祕且難以察覺的亂流，你的飛機機頭偏移，在你意識到之前，飛機已經開始降落。

Noto Sans

◻

Cormorant Garas entrepreneurship. After two successfully raised

$ 850 m

高加拉斯海鷗的創業。成功募資兩次之後

$ 850 m

It Takes >需要付出 >
it lakens 它需要

Never G永遠不要
Schwarzman’s relentless e funds for Blackstone’s first overcoming numerous feje the importance of persister
史瓦茲曼不懈地為黑石基金會籌措第一筆資金，克服了無數障礙，體現了堅持的重要性
17:46
Ongoing 持續進行中

1/7 Boakning Paths1/7 銀行業發展路徑
Develop leadership skills
培養領導力技能
Unioction Landarionsotential
釋放潛在能量

1/7 Bookeys1/7 書摘
Master time ma. 掌握時間。
Master 掌握

Chapter 43 | Build Brands, Not Businesses| Q&A
第 43 章 | 建立品牌，而非企業 | 問與答

1.Question1.問題

What is the main idea conveyed in the chapter regarding marketing and branding?
本章關於行銷與品牌塑造傳達了什麼主要觀點？
Answer:The central idea is that in business, marketing and branding are crucial for success, particularly highlighting that businesses survive while brands thrive. A strong brand helps to differentiate itself from competitors and rise above the noise in a saturated market.
答：核心觀點是在商業世界中，行銷和品牌塑造對於成功至關重要，特別強調企業只是生存，而品牌才能蓬勃發展。強大的品牌有助於在競爭激烈的市場中脫穎而出，並超越市場噪音。

2.Question2.問題

Why is marketing compared to the queen in chess?
為什麼行銷會被比喻成國際象棋中的皇后？
Answer:Marketing is likened to the queen in chess because it is a powerful tool that can compensate for weaknesses in other areas of a business, much like how losing the queen can lead to losing the game in chess. If you have effective marketing, it can draw customers even to mediocre products or services.
行銷就像棋盤上的皇后，因為它是一種強大的工具，可以彌補企業其他領域的不足，就像在西洋棋中失去皇后可能導致輸掉整局遊戲一樣。如果你有效的行銷，即使是平庸的產品或服務也能吸引顧客。

3.Question3. 問題

What does the author suggest is the difference between a
筆者認為，「虛擬」與「實體」之間的差異是什麼？

brand and a business？
品牌和一門生意？

Answer：The author suggests that businesses are focused on transactions and surviving，while brands are focused on building relationships，loyalty，and thriving by creating unique identities and leveraging customer emotions．
作者建議，企業專注於交易和生存，而品牌則致力於建立關係、忠誠度，並透過創造獨特身份和運用顧客情感來蓬勃發展

4．Question4.問題

How can a Unique Selling Proposition（USP）help a business？
獨特銷售主張（USP）如何幫助一家企業？

Answer：A USP is essential as it defines what makes a company unique and why consumers should choose it over competitors．It serves as the anchor of a brand，making it memorable and compelling to customers．
一個獨特銷售主張（USP）至關重要，因為它定義了一家公司的獨特之處，以及為什麼消費者應該選擇它而非競爭對手。它作為品牌的核心支柱，讓客戶留下深刻且吸引人的印象

5．Question5. 問題

What examples does the author provide to illustrate effective USPs？
作者舉了哪些例子來說明有效的獨特銷售主張？

Answer：Examples include FedEx＇s promise of＇absolute， positive overnight delivery＇and M\＆M＇s claim，＇The milk chocolate melts in your mouth，not in your hand，＇both of which highlight the specific benefits of their products over
舉例來說，聯邦快遞（FedEx）承諾「絕對且準確的隔夜遞送」，以及 M&M 巧克力宣稱「牛奶巧克力在嘴裡融化，而非手上」，這兩者都突顯了他們產品的特定優勢
the competition.競爭對手。

6. Question6. 問題

What are five ways suggested to break through the noise in marketing?
以下是行銷中突破雜訊的五種建議方法： 1. 創新和獨特性：開發與眾不同的產品或服務，讓它在市場上脫穎而出。 2. 情感連結：建立能引起目標受眾共鳴的故事和訊息，觸及人們的心靈。 3. 高品質內容：提供真正有價值、資訊豐富且具有洞察力的內容，吸引人們的注意力。 4. 精準目標定位：了解特定市場區隔，並直接與最有可能對你的產品感興趣的人溝通。 5. 多元化行銷管道：在不同平台和管道上傳播訊息，包括社群媒體、部落格、podcast、影片等，擴大觸及範圍
Answer:1. Polarize - Present extreme viewpoints to attract attention.
1. 兩極化 - 提出極端觀點以吸引注意力。
2. Arouse emotions - Connect on an emotional level with your audience.
2. 激發情緒 - 與聽眾在情感層面建立連結。
3. Be risqué - Use shock or provocative content to catch the eye.
3. 大膽前衛 - 使用震撼或挑釁的內容吸引目光。
4. Encourage interaction - Foster engagement with your audience.
4. 鼓勵互動 - 促進與聽眾的參與度。
5. Be unconventional - Break from standard practices to stand out.
5. 不循常規 - 突破標準做法，脫穎而出。

7.Question7.問題

How important is understanding customer needs in developing marketing strategies?
了解顧客需求在制定行銷策略上有多重要？
Answer:Understanding customer needs is crucial; it allows businesses to shift their focus from features to benefits,
答：了解顧客需求至關重要；這讓企業能從產品特點轉移焦點到產品效益，
ensuring that marketing messages resonate with what consumers truly want and need．
確保行銷訊息能與消費者真正想要和需要的事物產生共鳴。

8．Question8. 問題

What role does price play in branding according to the author？
根據作者觀點，價格在品牌塑造中扮演什麼樣的角色？

Answer：Price is a critical component of branding as it conveys perceived value．A higher price can imply quality and exclusivity，while a lower price might suggest inferiority． Entrepreneurs should strategically position price to reinforce their brand identity．
解答：價格是品牌塑造的關鍵要素，它傳遞了感知價值。較高的價格可以暗示品質和獨特性，而較低的價格則可能意味著低劣性。企業家應該策略性地定位價格，以強化其品牌形象

9．Question9．問題

What takeaway does the author suggest for building a successful brand？
作者對建立成功品牌有什麼建議？

Answer：To build a successful brand，focus on differentiating features that provide genuine benefits to consumers，create emotional connections，and present a strong，memorable USP that resonates with your target audience．
答案：要建立成功的品牌，應聚焦於提供消費者真正利益的差異化特色，建立情感連結，並提出一個能引起目標受眾共鳴的強而有力、令人難忘的獨特賣點。

10．Question10. 問題

How can one effectively communicate their brand message？
如何有效地傳達品牌訊息？

Answer：One should keep the brand message short，clear，and consistent across all marketing materials，while also delivering on promises made in the marketing to build trust and credibility with consumers．
應該將品牌訊息保持簡短、清晰，並且在所有行銷資料中保持一致，同時履行行銷中的承諾，以建立消費者對品牌的信任與可信度。

Chapter 44 ｜Choose Monogamy Over Polygamy｜ Q\＆A
第四十四章｜選擇單一忠誠而非多元關係｜問與答

1．Question1. 問題

What is the＇Tekel Syndrome＇and how does it affect entrepreneurs？
「特克爾症候群」是什麼，它如何影響創業家？

Answer：The＇Tekel Syndrome＇refers to the compulsion to scatter one＇s focus across multiple business opportunities，leading to ineffective results and weak assets．Entrepreneurs exhibiting this syndrome often jump from one opportunity to another without dedicating the necessary time for one venture to thrive，resulting in a lack of significant progress or wealth generation．
答案：「特克爾症候群」是指一種將注意力分散在多個商業機會上的強迫性行為，導致效率低下且資產薄弱。展現此症候群的創業家常常在不同機會間跳躍，不願在單一事業上投入足夠時間，最終造成進展緩慢且無法創造財富。

2．Question2. 問題

Why is monogamy important for success in business？
為什麼在商業上專一很重要？

Answer：Monogamy in business is essential because it allows
答案：在商業上保持專一至關重要，因為它能
for concentrated effort，leading to strong，scalable assets．Just like how a horse must be harnessed to pull a plow，an entrepreneur must focus on one core business to build it effectively and achieve success．This dedicated focus accelerates wealth and fosters substantial growth．
為了集中精力，從而建立強大且可擴展的資產。就像馬匹必須套上韁繩來拉犁一樣，企業家必須專注於一個核心業務，以有效建立並實現成功。這種專注能加速財富累積，並促進顯著的成長

3．Question3. 問題

How can monogamous business practices lead to future opportunities？
如何讓專一的商業實務帶來未來的機會？

Answer：When entrepreneurs break through to significant success through monogamous dedication，they can later afford to diversify their interests．Initially focusing on one business enables them to build wealth，after which they can engage in multiple ventures，akin to a successful person enjoying various passions after achieving substantial stability．
答案：當企業家透過專一的投入突破到顯著的成功時，他們之後就能負擔得起多元化自身的興趣。初期專注於一個事業能讓他們累積財富，之後就可以投入多個事業，就像一個成功的人在達到穩定後能享受各種熱情。

4．Question4.問題

What lesson can be drawn about multitasking in entrepreneurship？
在創業中，多工可以學到什麼樣的課題？

Answer：The lesson is that multitasking or juggling multiple
答案：這個課題是多工或同時處理多個
businesses typically dilutes one＇s effectiveness．
企業通常會稀釋一個人的效能。
Entrepreneurs should prioritize honing one solid venture before attempting to spread their efforts across multiple projects，as this scattered attention is unlikely to yield impressive results．
創業者應該優先磨練一個穩固的事業，而不是試圖將精力分散在多個專案上，因為這種分散注意力的做法不太可能取得令人印象深刻的成果。

5．Question5. 問題

What did the author decide to do when faced with competing business interests？
當面對競爭的商業利益時，作者決定做什麼？

Answer：The author decided to discontinue a newer web business that was siphoning time away from his primary venture．This choice exemplifies the importance of focusing efforts on a single successful business rather than diluting attention across multiple endeavors．
作者決定停止一個耗費時間的新網路事業，使他能專注於主要業務。這個選擇展示了專注於單一成功事業，而非在多個業務間分散精力的重要性

6．Question6．問題

Can you give an example of a successful entrepreneur who practices this principle？
你能舉一個實踐這項原則的成功創業家的例子嗎？
Answer：LeBron James exemplifies this principle in sports；he focused entirely on basketball to reach legendary status．Only after achieving immense success did he diversify into other
勒布朗·詹姆斯在運動界展現了這項原則；他完全專注於籃球，以達到傳奇地位。只有在獲得巨大成功之後，他才開始多元發展
interests，showcasing how singular dedication can lead to broader opportunities．
專注於自身興趣，展示出如何透過專一的奉獻，進而開創更廣闊的機會

7．Question7. 問題

What is the main takeaway from Chapter 44 regarding business commitment？
第 44 章關於企業承諾的主要要點是什麼？

Answer：The primary takeaway is that a strong commitment to one business leads to the development of robust assets that can ultimately support diversification into other interests，but such diversification should come after significant success is achieved，not before．
答：主要要點是對某一企業的強烈承諾，能夠培育出強大的資產，最終可以支持擴展到其他領域，但這種多元化應該在取得顯著成功之後進行，而非之前。

8．Question8. 問題

What are the consequences of weak asset commitment according to the chapter？
根據該章節，資產承諾不足會有什麼後果？

Answer：Weak asset commitment results in insufficient growth，as such assets don＇t generate the necessary wealth nor provide the stability needed for entrepreneurs to thrive． This leads to a cycle of monthly income instability without significant progress or scalability．
弱資產投入導致成長不足，因為這些資產無法產生所需的財富，也無法為企業家提供茁壯所需的穩定性。這造成了一個月收入不穩定且無法顯著進步或擴大規模的惡性循環

9．Question9．問題

How does the author relate successful business practices
作者如何將成功的商業實踐

to personal relationships?
與個人關係聯繫在一起？
Answer:The author draws a parallel between business monogamy and personal relationships, suggesting that just as loyalty in love leads to stronger partnerships, focusing on one business nurtures commitment and facilitates growth.
答案：作者將商業專一性與個人關係進行類比，暗示正如忠誠的愛情能帶來更堅固的夥伴關係，專注於一個商業項目同樣能培養承諾並促進成長。

Cheating in business, like in marriage, leads to detrimental outcomes.
在商業和婚姻中作弊，都會導致有害的結果。

10.Question10.問題

When is it appropriate for an entrepreneur to explore multiple business opportunities?
何時對創業家而言探索多個商業機會是恰當的？
Answer:It is appropriate for entrepreneurs to explore multiple business opportunities only after they have successfully built and sold a substantial business, allowing them the financial freedom and resources to diversify their ventures.
答案：只有在成功建立並出售一個龐大的企業後，讓他們擁有財務自由和資源多元化發展，創業家才適合探索多個商業機會。

Chapter 45 | Put It Together: Supercharge Your Wealth Plan!| Q&A
第 45 章 | 匯集一切：打造你的財富加速計畫！| 問與答

1.Question1.問題

What is the significance of choices in achieving wealth according to Chapter 45?
根據第 45 章，選擇在達成財富方面有何重大意義？
Answer:Choices are made quickly, but the impacts
答：選擇往往瞬間就做出，但
of those choices can last a lifetime．It＇s essential to recognize that each choice can either propel you toward wealth or keep you stuck in a slow， unproductive path．
這些選擇的影響可能持續一生。重要的是要認知到每一個選擇可能是讓你邁向財富，或是讓你停留在緩慢且無效率的道路上。

2．Question2. 問題

How does the F－A－S－T－L－A－N－E
F-A-S-T-L-A-N-E

S－U－P－E－R－C－H－A－R－G－E－R framework guide the journey to wealth？
S-U-P-E-R-C-H-A-R-G-E-R 架構如何引導致富之路？
Answer：It offers a structured approach to wealth creation， highlighting the importance of formulas，admitting flaws in the traditional wealth－building mindset，leveraging time and resources，and focusing on value creation and impact．
答案：它提供了一個系統化的財富創造方法，強調公式的重要性，承認傳統致富思維的缺陷，善用時間和資源，並專注於創造價值和影響力。

3．Question3. 問題

What does the chapter say about the traditional＇Get Rich Slow＇mentality？
這一章節對傳統的「慢慢致富」心態有何看法？
Answer：It emphasizes that this approach is fundamentally flawed due to its reliance on uncontrollable factors and weak mathematics．It encourages readers to adopt a proactive stance instead of hoping for gradual wealth accumulation．
答案：這種方法根本上是有缺陷的，因為它依賴於不可控制的因素和薄弱的數學邏輯。它鼓勵讀者採取主動態度，而不是寄望於緩慢累積財富。

4．Question4.問題

What is the role of leverage in wealth creation？
槓桿在財富創造中扮演什麼角色？

Answer：Leverage allows you to utilize resources efficiently， ensuring that your efforts multiply your outcomes．It suggests that creating systems that work for you helps in accelerating wealth generation．
答案：槓桿讓你能有效運用資源，確保你的努力能成倍增加成果。它建議創建能為你工作的系統，有助於加速財富積累。

5．Question5. 問題

How should one determine their＇escape number＇？
要如何確定自己的「逃生數字」？

Answer：Your escape number is the amount of money required to sustain your desired lifestyle．It should be broken down into precise figures，tracked diligently，and manifested through visual reminders of your goals．
解答：你的逃生數字是維持你理想生活型態所需的金錢金額。它應該被細分為精確的數字，並且要勤奮追蹤，透過視覺化提醒來實現你的目標。

6．Question6. 問題

What is the＇Law of Effection＇described in the chapter？
在本章中所描述的「效果定律」是什麼？

Answer：This law states that the more lives you impact positively，especially in a controlled environment，the more wealth you will attract．Providing impactful solutions leads to financial success．
解答：這條法則指出，你對他人生活的正面影響越多，尤其是在可控的環境中，你吸引的財富就越多。提供具有影響力的解決方案能帶來財務上的成功

7．Question7. 問題

What mindset shift does the chapter encourage regarding
這一章節鼓勵關於財務思維的重大轉變，強調擺脫傳統的「慢車道」心態，即依靠節省和投資退休基金的線性財務策略。相反，作者主張採用「快車道」思維，專注於創造可擴展的收入來源，建立能夠產生指數級收益的事業模式，而不是依賴固定工資和緩慢累積財富的方法。這種心態轉變的核心是重新定義成功和財富的概念，從被動的儲蓄和等待，轉變為主動創造價值和機會。它鼓勵讀者思考如何建立能夠 independent of 個人時間的收入系統，而不是被傳統職業生涯的框架所限制

wealth creation？財富創造

Answer：The chapter promotes an active，entrepreneurial mindset over passive，consumer－driven thinking．It encourages individuals to focus on creating and providing value rather than merely earning a paycheck．
該章節提倡積極、創業型的思維模式，而非被動的消費者導向思考。它鼓勵個人專注於創造和提供價值，而不僅僅是領取薪水

8．Question8.問題

What does DeMarco suggest about education in wealth building？
DeMarco 對於財富累積過程中的教育有何建議？
Answer：Continuous learning is essential for success．He advises to seek out knowledge specific to building and managing businesses，leveraging every opportunity for education in your daily life．
答：持續學習對於成功至關重要。他建議尋找與建立和管理企業相關的專業知識，並在日常生活中把握每個學習的機會。

9．Question9. 問題

What is meant by＇automating your business＇？
什麼是「企業自動化」？

Answer：Automation involves creating systems that allow your business to operate independently from your time and effort，thus giving you more freedom and the ability to scale your wealth．
答：自動化是指建立能讓你的企業不依賴個人時間和精力就能運作的系統，進而賦予你更多自由，並提升財富累積的能力

10．Question10. 問題

How can celebrating milestones contribute to
如何藉由慶祝里程碑來提升

wealth－building motivation？
財富累積的動機？

Answer：Celebrating achievements boosts morale and reinforces positive behaviors．It reminds you of progress made，motivating you to continue working toward your larger goals．
答：慶祝成就可以提升士氣並強化正面行為。它提醒你已經取得的進展，激勵你繼續朝向更大的目標努力。

11．Question11. 問題

How does one overcome the challenges posed by ＇excuses＇？
如何克服「藉口」所帶來的挑戰？
Answer：To break free from limitations，one must take ownership of their situation and choose to act despite the excuses．Proactive choices begin the journey out of the＇rat race＇．
答案：要擺脫限制，必須對自身處境負責，並選擇不顧藉口採取行動。主動做選擇，就是邁出擺脫「老鼠賽跑」的第一步。

12．Question12. 問題

What final message does DeMarco convey about pursuing the Fastlane lifestyle？
德馬科傳達關於追求快速致富生活方式的最終訊息是什麼？
Answer：He stresses that living the Fastlane isn＇t a temporary endeavor but a mindset and lifestyle choice．Individuals must embrace this journey with commitment and resilience for lasting success．
答案：他強調快速致富生活不是短暫的嘗試，而是一種思維和生活方式選擇。個人必須以堅定和韌性的態度投入這個旅程，才能獲得持久的成功。

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解鎖 1000 多個書名，80 多個主題

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世界暢銷書的洞見

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How we make decisions
我們如何做決定

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如何與任何人交談：解開有效溝通的祕密

The Millionaire Fastlane Quiz and Test
百萬富翁快速道路測驗與測試

Check the Correct Answer on Bookey Website
在 Bookey 網站查看正確答案

Chapter 1 ｜The Great Deception｜Quiz and Test
第 1 章｜偉大的騙局｜測驗與測試

1．According to DeMarco，aspiring to be＇normal＇is wise and should be followed by everyone．
1. 根據狄馬可的說法，渴望成為「普通」是明智的，且應該被每個人遵循

2．DeMarco believes that wealth can and should be achieved while still young．
2. 德馬可相信財富可以且應該在年輕時就達成。

3．The＇Get Rich Slow＇method is presented as an effective strategy for achieving true financial independence in DeMarco＇s book．
3. 在德馬可的書中，「慢慢致富」的方法被呈現為實現真正財務獨立的有效策略。

Chapter 2 ｜How I Screwed＂Get Rich Slow＂｜Quiz and Test
第 2 章｜我是如何擊敗「慢慢致富」的｜測驗與考驗

1．Wealth requires fame or physical talent according to＇The Millionaire Fastlane＇chapter summary．
1. 根據《百萬富翁快車道》章節摘要，財富需要名氣或身體天賦。

2．Wealth is created asymmetrically，not linearly，as stated in the chapter summary．
2. 正如章節摘要所述，財富是以非對稱方式而非線性方式創造的。

3．Change can only occur gradually and takes time according to the chapter summary．
3. 根據章節摘要，變革只能逐漸發生，且需要時間。

Chapter 3 ｜The Road Trip to Wealth｜Quiz and Test
第 3 章｜通往財富的旅程｜測驗與考試

1．Wealth is achieved through sudden events rather than a deliberate process．
1．財富是透過突發事件而非有預謀的過程所達成。

2．Recognizing yourself as the driving force in your journey to wealth is analogous to maintaining your vehicle on a road trip．
2．將自己視為追求財富旅程中的驅動力，就像是在公路旅行中維護你的車輛。

3．Outsourcing the journey to wealth is beneficial for personal growth and learning．
3．將財富之路外包是有利於個人成長與學習的。

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Chapter 4 ｜The Roadmaps to Wealth｜Quiz and Test
第 4 章｜通往財富的藍圖｜測驗與檢測

1．Self－made millionaires gain wealth through intentional decisions guided by their financial roadmap．
1. 自我成就的百萬富翁透過由財務藍圖引導的有意識決策來獲得財富。

2．The Sidewalk Roadmap is associated with becoming wealthy．
2. 人行道藍圖與致富無關

3．There are four primary financial roadmaps that influence your journey towards wealth．
3. 影響你走向財富之路的四大財務藍圖。

Chapter 5 ｜The Road Most Traveled：The Sidewalk｜ Quiz and Test
第 5 章｜大多數人的道路：人行道｜測驗與測試

1．Sidewalkers prioritize long－term security over immediate pleasure．
1. 人行道族群不優先考慮長期安全，而是立即的享樂。

2．A key characteristic of a Sidewalker is the perception that credit is a tool for instant gratification．
2. 人行道族群的一個關鍵特徵是，認為信用是獲得即時滿足的工具

3．Living on the Sidewalk leads to guaranteed financial stability．
3. 在人行道上生活保證了財務穩定。

Chapter 6 ｜Has Your Definition of Wealth Been Poisoned？｜Quiz and Test
第 6 章 | 你的財富定義是否已被污染？| 測驗與考驗

1．Culture often defines wealth，often leading to toxic interpretations whether one follows the Sidewalk
1. 文化往往定義財富，常常導致對於是追隨人行道
or Slowlane roadmaps．或緩慢車道路線的有害解讀
2．True wealth can be bought through extravagant spending and appearances．
2. 真正的財富可以透過揮霍的消費和外表來購買。

3．The Wealth Trinity includes relationships，health，and wealth．
3. 財富三位一體包括人際關係、健康和財富。

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Chapter 7 ｜Lifestyle Servitude：The Thief of Happiness｜Quiz and Test
第 7 章｜生活方式的奴役：幸福的竊賊｜測驗與測試

1．The belief that money doesn＇t buy happiness often comes from a mindset that embraces poverty．
1. 「金錢買不到幸福」的觀點，通常源自於一種接納貧窮的心態

2．Lifestyle Servitude is defined as living a life free from societal norms and financial restrictions．
2. 生活方式奴役被定義為擺脫社會常規和財務限制的生活。

3．Genuine affordability involves making purchases that require extensive financial deliberation and consideration of future uncertainties．
3. 真正的可負擔性涉及購買需要深入的財務審慎思考，並考慮未來的不確定性。

Chapter 8 ｜Lucky Bastards Play The Game｜Quiz and Test
第八章 │ 幸運兒玩遊戲 │ 測驗與測試

1．The concept of being a＇lucky bastard＇in The Millionaire Fastlane emphasizes that success comes mainly from luck，not effort．
1. 在《百萬富翁快速通道》中，「幸運兒」的概念強調成功主要來自運氣，而非努力

2．Mark Cuban＇s success illustrates that luck is often the result of hard work rather than a mere event．
2. 馬克·庫班的成功說明，運氣往往是努力工作的結果，而不僅僅是一個偶發事件。

3．Sidewalkers believe that wealth can be easily acquired without any effort or the need for luck．
3. 路邊行人相信財富可以不勞而獲，不需要任何努力或運氣。

Chapter 9 ｜Wealth Demands Accountability｜Quiz and Test
第 9 章 | 財富需要負責任 | 測驗與考試

1．Hitchhiking symbolizes the Sidewalker mentality of relying on others for financial success．
1. 搭便車象徵了路邊行人依賴他人獲得財務成功的心態

2．The Law of Victims states that individuals can be victims regardless of their control over their choices．
2. 受害者法則指出，不論個人對自身選擇有多大的控制權，都可能成為受害者

3．Taking responsibility is the only step required for financial independence，without the need for accountability．
3．負起責任是達成財務獨立的唯一步驟，無需對他人負責。

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Chapter 10 | The Lie You've Been Sold: The Slowlane| Quiz and Test
第 10 章 | 你被騙的謊言：慢車道 | 測驗與考試

1.The Slowlane approach is widely accepted as the best way to achieve wealth.
1.慢車道方法被普遍接受為獲得財富的最佳途徑。
2.True wealth should be experienced when a person is young and vibrant.
2.真正的財富應該在一個人年輕且充滿活力的時候體驗。
3.Time invested in the Slowlane generates a positive return on investment.
3.投資於慢車道會產生正面的投資報酬。

Chapter 11 | The Criminal Trade Your Job| Quiz and Test
第 11 章 | 職業的犯罪行為 | 測驗與考試

Trading time for money is an effective way to build wealth.
用時間換取金錢是積累財富的有效方法。
2.According to the author, jobs provide ample opportunities for personal and financial control.
根據作者的說法，工作提供了充分的個人和財務控制機會。
3.Real experience and knowledge are primarily gained through jobs and formal education.
真正的經驗和知識主要是透過工作和正規教育獲得的。

Chapter 12 | The Slowlane: Why You Aren't Rich| Quiz and Test
第 12 章 | 慢車道：你為什麼不富有 | 測驗與考試

The Slowlane strategy is based on the concept of Uncontrollable Limited Leverage (ULL), which is
慢車道策略是建立在「不可控制的有限槓桿」（Uncontrollable Limited Leverage，ULL）概念之上，這是
a viable approach to accumulating wealth．
累積財富的一種可行方法。
2．Compounding interest effectively leads to wealth creation regardless of time，investment consistency，or market conditions．
2. 複利有效地能帶來財富，不論時間、投資一致性或市場條件

3．To achieve financial independence，one must prioritize hope over control in their wealth－building strategy．
3. 要達成財務獨立，個人必須在財富建立策略中優先考慮希望勝於控制。

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Chapter 13 ｜The Futile Fight：Education｜Quiz and Test
第 13 章｜徒勞的戰鬥：教育｜測驗與考試

1．Slowlaners believe that pursuing higher degrees like MBAs leads to more control and leverage in their careers．
1. 慢速道人認為，追求 MBA 等高等學位可以增加他們在職涯中的控制力和影響力。

2．Formal education is always a virtuous investment and guarantees significant financial success．
2. 正規教育永遠是一種美德投資，並保證顯著的財務成功。

3．Investing in a costly college education can reduce career opportunities and create＇Education Servitude＇．
3. 投資昂貴的大學教育可能會減少職涯機會，並造成「教育奴役」

Chapter 14 ｜The Hypocrisy of the Gurus｜Quiz and Test
第 14 章 | 大師們的虛偽性 | 測驗與考驗

1．Financial gurus often embody the teachings they promote and have consistent success in those areas．
1. 財務大師們往往體現了他們所推廣的教義，並在這些領域中取得持續性的成功

2．The＇Slowlane＇is a strategy that aligns with how financial gurus attained their wealth in the＇Fastlane＇．
2．「慢車道」是一種策略，與財務專家在「快車道」上積累財富的方式相符。

3．It＇s important to seek financial advice from individuals who have proven success through their own teachings．
3．尋求財務建議時，找尋已透過自身教導證明成功的人是很重要的。

Chapter 15 ｜Slowlane Victory．．．A Gamrle of Hope｜ Quiz and Test
第 15 章｜慢車道勝利……一場充滿希望的賭局｜測驗與考試

1．The Slowlane journey guarantees financial rewards after years of effort．
1．慢車道之旅保證多年努力後能獲得財務回報

2．Successful Slowlaners often achieve true financial freedom and wealth．
2. 成功的慢車道者通常能達成真正的財務自由與財富。

3．Fastlane millionaires accumulate wealth in less than a decade，while Slowlane millionaires take decades to do so．
3. 快車道百萬富翁在不到十年的時間內就能積累財富，而慢車道百萬富翁則需要數十年。

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Chapter 16 ｜Wealth’s Shortcut：The Fastlane｜Quiz and Test
第 16 章｜財富的捷徑：快速道路｜測驗與檢驗

1．The Fastlane allows individuals to build wealth quickly compared to the Slowlane and Sidewalk paths．
1. 快速道路讓個人相較於慢速道路和路邊道路能更快速地建立財富

2．The Slowlane emphasizes creating efficient systems that generate wealth autonomously．
2. 慢速道強調建立能自主產生財富的高效系統。

3．Wealth in the Fastlane is achieved through strategic leverage and business systems．
3. 在快速道上，財富是透過策略性槓桿和商業系統達成的。

Chapter 17 ｜Switch Teams and Playrooks｜Quiz and Test
第 17 章｜轉換陣營與玩法｜測驗與考試

1．Producers are central to the Fastlane roadmap．
1. 生產者是快速道藍圖的核心
2．All businesses equate to a Fastlane；none are disguised jobs．
2. 所有的事業皆等同於快速通道；沒有一項是偽裝的工作。

3．Shifting your focus to production allows for opportunities and appeal of wealth to become clearer．
3. 將焦點轉移到生產，讓致富的機會和吸引力變得更加清晰。

Chapter 18 ｜How the Rich Really Get Rich｜Quiz and Test
第 18 章｜富人真正致富的方法｜測驗與考試

1．Wealth is built primarily through fame， inheritance，or luck．
財富主要是透過名氣、繼承或運氣所建立

2．The Fastlane Wealth Equation is defined as Wealth＝Net Profit + Asset Value．
2. 快速致富財富方程式定義為：財富 = 淨利潤 + 資產價值。

3．Liquidation events are unimportant for converting net worth into tangible wealth．
3. 清算事件對於將資產淨值轉換為實際財富並不重要。

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Chapter 19 ｜Divorce Wealth from Time｜Quiz and Test
第 19 章 | 解構時間與財富的關係 | 測驗與檢驗

1．A core aspect of breaking the＇work－for－money＇ cycle is passive income．
1. 打破「用勞力換取金錢」循環的核心，是被動收入。

2．All businesses can easily become money trees with no ongoing work．
2. 所有企業都可以輕鬆地轉變成不需持續付出的搖錢樹

3．To achieve retirement，monthly income must be greater than lifestyle expenses．
3. 要達到退休，每月收入必須大於生活開支。

Chapter 20 ｜Recruit Your Army of Freedom Fighters｜Quiz and Test
第 20 章 | 招募你的自由戰士軍團 | 測驗與考試

1．The most effective seed for generating passive income is money itself，not a business．
1. 產生被動收入最有效的種子是金錢本身，而不是一門生意。

2．Savers are not important in wealth creation and should focus only on spending．
2. 儲蓄對財富創造並不重要，應該只專注於消費

3．Compound interest is beneficial only for those with smaller amounts of money saving consistently over time．
複利對於長期穩定儲蓄少量金錢的人才有益

Chapter 21 ｜The Real Lwa of Wealth｜Quiz and Test
第二十一章｜財富的真正法則｜測驗與考驗

1．The Law of Effection suggests that wealth is achieved through affecting lives in scale or magnitude rather than through mere positive
1. 效果定律指出，財富是透過大規模或重大影響力來影響他人的生活，而非僅僅透過正面的方式
thinking．思考
2．According to the book，the Law of Attraction is a more effective method for achieving wealth than the Law of Effection．
2. 根據這本書，相較於效應法則，吸引力法則是一個更有效的致富方法。

3．Impacting a small number of lives significantly is one way to create wealth，according to the Law of Effection．
3. 根據效應法則，以顯著方式影響少數人的生活是創造財富的一種方式。

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Chapter 22 ｜Own Yourself First｜Quiz and Test
第 22 章｜首先擁有自我｜測驗與考試

1．The phrase＇pay yourself first＇is effective for those who depend on a job．
1. 「先付給自己」這個說法對於依賴工作的人有效。

2．Establishing a corporation offers both liability protection and tax efficiency．
2. 成立公司可以提供責任保護和稅務效益

3．An LLC is recommended for larger corporations that focus on profit distribution．
3. 建議大型以獲利分配為重點的公司採用有限責任公司（LLC）。

Chapter 23 ｜Life＇s Steering Wheel｜Quiz and Test
第 23 章 | 生命的方向盤 | 測驗與考試

1．Poor choices are the main cause of poorness， rather than lack of money or opportunities．
1. 窮困的主要原因是糟糕的選擇，而不是缺錢或缺乏機會

2．Wealth comes solely from luck and opportunity rather than the choices you make．
2. 財富純粹源自運氣和機遇，而非你所做的選擇。

3．The influence of your choices is strongest when you are older，making your decisions less critical during your youth．
3. 你的選擇影響力在年紀較大時最為強烈，使得年輕時的決定不太重要。

Chapter 24 ｜Wipe Your Windshield Clean｜Quiz and Test
第 24 章｜清潔你的擋風玻璃｜測驗與考試

1．A positive perception leads to better actions compared to negative perceptions that cause
1. 正面的認知與負面認知相比，會導致更好的行動
mediocrity.平庸。
2.The Worst Case Consequence Analysis (WCCA) involves avoiding assessing potential outcomes of decisions.
2.最壞情況後果分析（WCCA）牽涉迴避評估決策的潛在結果。
3.Focusing on the past is essential for becoming the person needed to succeed.
3.專注於過去對於成為達成成功所需的人是至關重要的。

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Chapter 25 ｜Deodorize Foul Headwinds｜Quiz and Test
第 25 章｜消除惡劣的逆風｜測驗與檢驗

1．Societal conditioning promotes exceptionalism instead of mediocrity．
1．社會的刻板印象推崇卓越，而非平庸。

2．Moving away from a detrimental environment can facilitate success．
2．遠離有害的環境，可以促進成功。

3．Having a partner who shares your entrepreneurial mindset can hinder your progress．
3．擁有一個同樣具有創業思維的夥伴，反而可能阻礙你的進步

Chapter 26 ｜Your Primordial Fuel：Time｜Quiz and Test
第 26 章｜你的原始燃料：時間｜測驗與考驗

1．Most people achieve wealth by valuing time correctly and investing it wisely．
1. 大多數人透過正確評估時間並明智地投資，來獲得財富

2．Time is an abundant resource that can be regained once lost．
2.時間是一種豐沛的資源，一旦流逝仍可重新獲得。

3．Debt can consume free time and trap individuals in indentured time．
3.債務可能耗盡可用時間，讓個人陷入被束縛的時間陷阱。

Chapter 27 ｜Change That Dirty，Stale Oil｜Quiz and Test
第 27 章｜更換那髒汙、陳舊的機油｜測驗與考試

1．Fastlaners continually refresh their knowledge and skills，unlike Sidewalkers and Slowlaners who
1.速道人不斷更新自身知識和技能，不同於側道人和慢道人
stagnate after graduation．
畢業後停滯不前。
2．The end of formal education marks the end of learning，as all necessary knowledge is already acquired by graduation． 3．Education in the Fastlane primarily focuses on practical application rather than costly，debt－inducing conformity．
2. 正式教育結束意味著學習的終結，彷彿所有必要的知識都已在畢業時獲得。3. 高速車道的教育主要著重於實際應用，而非代價高昂、造成債務的循規蹈矩。

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Chapter 28 ｜Hit the Redline｜Quiz and Test
第二十八章｜衝破極限｜測驗與檢測

1．Commitment is more important than interest in achieving wealth．
1. 承諾比對財富的興趣更加重要。

2．Procrastination does not affect the ability to seize opportunities．
2. 拖延不會影響把握機會的能力。

3．Intelligent risks guaranteed success while moronic risks lead to substantial profit．
3. 明智的風險可以保證成功，而愚蠢的風險則會帶來可觀的利潤

Chapter 29 ｜The Right Road Routes to Wealth｜ Quiz and Test
第 29 章｜通往財富的正確道路｜測驗與考試

1．The Slowlane path to wealth typically involves a job as the primary means to achieve financial success．
1. 通往財富的慢車道通常以工作作為達成財務成功的主要途徑

2．According to the Five Fastlane Commandments，a successful business does not need to impact a large number of people．
根據五大快速通道法則，成功的企業不需要影響大量人群

3．The Five Fastlane Commandments include Control，Entry， Need，Time，and Scale，which are essential for evaluating business opportunities．
3. 快速致富的五大戒律包括控制、進入、需求、時間和規模，這些對於評估商業機會至關重要。

Chapter 30 ｜The Commandment of Control｜Quiz
第 30 章｜控制的戒律｜測驗

and Test與測試

Hitchhikers are in the driver’s seat of their financial life, according to the chapter.
依照本章內容，搭便車者正處於自身財務生活的駕駛座。
2.To achieve big or legendary money, one must have control over every aspect of their enterprise.
2.要獲得巨大或傳奇的財富，必須對企業的每一個環節都有完全的控制權。
3.Network marketing is considered true entrepreneurship because participants own the companies they work for.
3.網絡行銷被視為真正的創業，因為參與者擁有他們工作的公司。

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Chapter 31 ｜The Commandment of Entry｜Quiz and Test
第 31 章｜進入門檻的戒律｜測驗與測試

1．The Commandment of Entry states that low entry barriers can lead to high competition，which dilutes potential for profit．
1. 進入門檻的戒律指出，低進入門檻可能導致高度競爭，從而稀釋獲利潛力。

2．Starting a business with high entry barriers guarantees success without the need for exceptionalism．
2. 在高進入門檻的市場創業，不需要特別出色就能保證成功。

3．If a large number of people are participating in a market，it is often a sign of market saturation and potential loss．
3. 如果大量人員參與某個市場，通常是市場飽和和潛在虧損的徵兆

Chapter 32 ｜The Commandment of Need｜Quiz and Test
第 32 章｜需求誡命｜測驗與測試

1．Successful businesses provide value and solve problems for their customers instead of focusing on personal desires．
1. 成功的企業為顧客提供價值並解決問題，而不是專注於個人慾望

2．Chasing personal gain and doing what you love is the best way to build a successful business．
2.追求個人利益並做自己熱愛的事，是建立成功事業的最佳方式。

3．Money is attracted to businesses that solve problems，not to those that chase it selfishly．
3.金錢會被能解決問題的企業所吸引，而非那些自私追逐金錢的企業。

Chapter 33 ｜The Commandment of Time｜Quiz and Test
第 33 章｜時間的戒律｜測驗與考驗

1．A business that generates income independently of the owner＇s time adheres to the Commandment of Time．
1.能夠獨立於業主時間產生收入的事業，符合時間的戒律

2．Choosing to work fewer hours for lower income is always detrimental to one＇s quality of life．
2. 選擇工作較少時數以換取較低收入，對個人生活品質來說始終是有害的。

3．The Commandment of Time states that business owners should remain directly involved in their business to ensure its success．
3. 時間法則指出，企業主應直接參與營運，以確保事業成功。

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Chapter 34 ｜The Commandment of Scale｜Quiz and Test
第 34 章 | 規模的戒律 | 測驗與考驗

1．Successful entrepreneurs only need to make one correct decision to achieve wealth．
1. 成功的創業家只需要做出一個正確的決定就能獲得財富。

2．A local restaurant is a prime example of a scalable business opportunity．
2. 一家當地餐廳是可擴大規模的商業機會的典型例子

3．Increasing either profit margins or customer base can lead to wealth creation in business．
3. 在商業上，提高利潤率或擴大客戶基礎都可能導致財富的創造。

Chapter 35 ｜Rapid Wealth：The Interstates｜Quiz and Test
第 35 章｜快速致富：高速公路｜測驗與考試

1．The Internet is considered the fastest route to wealth according to＇The Millionaire Fastlane＇．
1. 根據《百萬富翁快車道》，網際網路被視為通往財富最快的路徑。

2．According to the＇Five Commandments＇，one should invest in a business that is deemed needless．
2. 根據「五大誡命」，人們應該投資於被認為不必要的事業

3．Intentional Iteration focuses only on new inventions without regard for existing processes．
3. 重點反覆推敲僅聚焦於新發明，而不考慮現有流程。

Chapter 36 ｜Find Your Open Road｜Quiz and Test
第 36 章｜尋找你的開放之路｜測驗與測試

1．Opportunities arise primarily from breakthrough inventions rather than enhancing existing concepts．
1. 機會主要源自於突破性發明，而非改善既有概念。
2.Competition should deter entrepreneurs from pursuing their business ideas.
2. 競爭應該阻止企業家追求他們的商業點子。
3.Embracing failure can lead to innovative solutions and new opportunities in entrepreneurship.
擁抱失敗可以帶來創新解決方案，並在創業過程中開創新機會。

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Chapter 37 | Give Your Road a Destination| Quiz and Test
第 37 章 | 為你的道路設定目標 | 測驗與考試

1.The Fastlane is only about acquiring material possessions as goals.
1.快速致富之道並不僅僅是為了獲得物質財產。
2.Financial literacy is essential for making informed financial decisions.
2.財務知識對於做出明智的財務決策至關重要。
3.Living below your means is the best strategy for financial growth without considering income increase.
3.單純靠量入為出的生活方式並不是追求財務成長的最佳策略，還需要考慮如何提高收入。

Chapter 38 | The Speed of Success| Quiz and Test
第 38 章 | 成功的速度 | 測驗與測試

According to M.J. DeMarco, ideas are seen as valuable without execution.
根據 M.J. DeMarco 的說法，不經執行的想法本身就被視為有價值。
2.Execution is what turns potential speed into actual speed in entrepreneurship.
2. 執行力是將企業家精神中的潛在速度轉化為實際速度的關鍵。
3.A one-dimensional approach focusing solely on pricing is a successful business strategy.
3. 單純聚焦於定價的單一維度方法是成功的商業策略。

Chapter 39 | Burn the Business Plan, Ignite Execution| Quiz and Test
第 39 章 | 拋棄商業計劃，點燃執行力 | 測驗與考試

1.Having great ideas is enough to guarantee business success without the need for action.
1.僅僅擁有絕佳的點子，並不足以保證企業成功，還需要付諸行動。
2.Business plans are essential and provide a guaranteed
商業計畫書是必要的，並能提供有保障的發展方向
pathway to success in the marketplace.
在市場上獲得成功的途徑。
3.Investors are more likely to fund proposals backed by a solid execution history rather than polished business plans.
3.投資人更傾向於支持有著穩健執行紀錄的提案，而非精美的商業計劃書。

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Chapter 40 ｜Pedestrians Will Make You Rich！｜Quiz and Test
第 40 章｜行人會讓你致富！｜測驗與考試

1．Jeff Bezos states that customer experiences are not important for business marketing．
1. 傑夫·貝佐斯表示，顧客體驗對於商業行銷並不重要

2．Customer complaints can provide valuable insights into customer needs and help identify necessary improvements．
2. 客戶抱怨可以提供關於客戶需求的寶貴洞察，並協助找出必要的改進方向。

3．The author believes that treating customers as top stakeholders is not necessary for business success．
3. 作者認為，將客戶視為最重要的利害關係人並非企業成功的必要條件

Chapter 41 ｜Throw Hijackers to the Curb！｜Quiz and Test
第 41 章｜把搶路者丟到路邊！｜測驗與考試

1．A business partnership can thrive without compatible goals and values．
1. 沒有相容的目標和價值觀，商業夥伴關係仍可蓬勃發展。

2．Having a strong team of accountants and attorneys is essential for business success．
2. 擁有強大的會計和律師團隊，對企業成功至關重要。

3．Trusting others blindly can lead to significant losses and vulnerabilities．
3. 盲目信任他人可能導致重大損失和脆弱性。

Chapter 42 ｜Be Someone＇s Savior｜Quiz and Test
第 42 章｜成為某人的救星｜測驗與考試

1．A market can never be saturated with a good product．
1. 只要是好產品，市場就永遠不會飽和。

2．Businesses can succeed by being＇me－too＇enterprises and
2. 企業可以透過成為「跟風」型企業
focusing heavily on competing with others．
並大量聚焦於與他人競爭來獲得成功。
3．Successful businesses should prioritise market needs over personal aspirations when starting a business．
3. 成功的企業在創業時應該優先考慮市場需求，而非個人抱負

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Chapter 43 ｜Build Brands，Not Businesses｜Quiz and Test
第 43 章｜打造品牌，而非企業｜測驗與考試

1．Marketing serves as a powerful tool in business， often overshadowing product quality and customer service．
1. 行銷是企業中的一項強大工具，常常蓋過產品品質和客戶服務

2．A Unique Selling Proposition（USP）is unnecessary for developing a strong brand identity．
獨特銷售主張（USP）對於建立強大的品牌形象並非必要

3．Marketing messages must focus on benefits，answering the question＇What＇s in it for the customer？＇．
3. 行銷訊息必須聚焦於利益，回答「對顧客有什麼好處？」這個問題

Chapter 44 ｜Choose Monogamy Over Polygamy｜ Quiz and Test
第 44 章｜選擇單一性而非多元性｜測驗與考驗

1．Monogamous commitment to one business enables future diversification opportunities．
對單一事業的專一承諾，可以開創未來多元化的商機

2．Successful entrepreneurs often diversify into multiple ventures before achieving success in their primary business．
2. 成功的企業家常在主要事業獲得成功之前，嘗試多元化的創業機會。

3．The＇Tekel Syndrome＇suggests that scattered focus can lead to better results in business．
3. 「特可耳症候群」暗示，分散注意力可能反而會為事業帶來更好的成果。

Chapter 45 ｜Put It Together：Supercharge Your Wealth Plan！｜Quiz and Test
第 45 章｜整合起來：加速您的財富計畫！｜測驗與檢驗

1．Wealth is a systematic process that relies solely on luck and chance．
1. 財富是一個完全依賴運氣和機遇的系統性過程

2．Time should be treated as your most valuable asset when planning your wealth．
在規劃財富時，時間應被視為你最寶貴的資產

3．Establishing a business structure that pays itself first is important to succeed in the Slowlane．
3. 建立一個可優先自我支付的商業結構，對於在慢車道成功至關重要。

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What life choices did Joe make and how did they impact his fate？
喬做了哪些人生選擇，這些選擇如何影響他的命運？
Answer：Joe diligently followed the conventional Slowlane recommendations：working excessively，saving every penny， and neglecting personal happiness and family．His commitment to this restrictive lifestyle tragically led to his
答案：喬勤奮地遵循傳統的慢車道建議：過度工作、儲蓄每一分錢，並忽視個人幸福和家庭。他對這種限制性生活方式的承諾悲慘地導致了

The Millionaire Fastlane PDF M.J. DeMarco 百萬富翁的快速通道 PDF by M.J. DeMarco

The Millionaire Fastlane 百萬富翁的快速通道

Escape Mediocrity: Accelerate Your Journey to Extraordinary Wealth擺脫平庸：加速你通往非凡財富的旅程

About the book關於這本書

About the author關於作者

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Summary Content List摘要內容清單

Chapter 1 Summary : The Great第 1 章摘要：偉大的

Deception欺騙

Chapter Summary: The Great Deception章節摘要：偉大的欺騙

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Introduction to the Deception of Wealth財富欺騙的介紹

The Problems with＂Get Rich Slow＂「快速致富」的問題

Wealth and Youth財富與青春

Redefining Retirement重新定義退休

Conclusion：Fastlane Distinctions結論：高速車道的區別

Example範例

Chapter 2 Summary : How I Screwed "Get Rich Slow"第 2 章總結：我是如何搞砸「慢慢致富」的

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Chapter 2第二章

How I Screwed＂Get Rich Slow＂我是如何推翻「慢慢致富」的陷阱

Exposing the＂Get Rich Slow＂Dreamkiller揭穿「慢慢致富」的夢想殺手

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The 90 Seconds that Changed My Life改變我人生的 90 秒

The Liberation from Fame and Talent從名氣與天賦解放

The Search for the Millionaire Fastlane尋找百萬富翁的快速通道

Resistance into Mediocrity對平庸的反抗

Roadblocks，Detours，and Depression障礙、繞路與沮喪

My Blizzard of Awakening我的覺醒暴風雪

The Merge from Slowlane to Fastlane從慢車道邁向快車道的轉變

A New Wealth Equation Yields Asymmetric Wealth Acceleration一個全新的財富方程式帶來不對稱的財富加速

My＂Faked＂Shortcut to Wealth我的致富「捷徑」謊言

The Birth of the Money Tree金錢樹的誕生

Chapter Summary：Fastlane Distinctions章節摘要：快車道的差異

Critical Thinking批判性思考

Chapter 3 Summary : The Road Trip to第 3 章摘要：通往

Wealth財富

Chapter 3: The Road Trip to Wealth第 3 章：通往財富的旅程

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Wealth Is a Road Trip，Not Just a Road！財富是一趟旅程，而不僅僅是一條路！

Wealth＇s Illusionary Road財富的虛幻之路

Install Bookey App to Unlock Full Text and Audio安裝 Bookey 應用程式以解鎖完整的文字和語音內容

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30 min Content30 分鐘內容

Text and Audio format文字和音訊格式

ニン x ˇ x ˇ x^(ˇ)\check{x}您好 x ˇ x ˇ x^(ˇ)\check{x}

Quiz測驗

Δ O Δ O DeltaO\Delta \mathrm{O} OD

And more還有更多

Chapter 4 Summary : The Roadmaps to第四章總結：通往

Wealth財富的路徑

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The Roadmaps to Wealth通往財富的藍圖

The Compass for Wealth財富的指南針

The Three Financial Roadmaps to Wealth邁向財富的三種財務藍圖

Key Mindsets（Mindposts）關鍵心態（心智信念）

Debt Perception債務認知

Time Perception時間感知

Education Perception教育認知

Money Perception金錢認知

Primary Income Source主要收入來源

Primary Wealth Accelerator主要財富加速器

Wealth Perception財富觀點

Wealth Equation財富方程式

Destination目標地點

Responsibility \＆Control責任與控制

Life Perception人生觀

The Roadmaps Operate within Distinct Universes不同的路徑運作在各自的獨特世界中

Chapter Summary：Fastlane Distinctions章節摘要：快車道的差異

Critical Thinking批判性思考

Chapter 5 Summary : The Road Most第 5 章總結：最常被行走的道路

Traveled: The Sidewalk最常被行走的道路：人行道

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Chapter 5：The Road Most Traveled：The Sidewalk第 5 章：最常走的道路：路邊族

The Sidewalk Roadmap人行道地圖

What Is a Sidewalker？什麼是人行道族群？

The Mindposts of a Sidewalker側邊人的心態

The Millionaire Fastlane PDF M.J. DeMarco
百萬富翁的快速通道 PDF by M.J. DeMarco

The Millionaire Fastlane
百萬富翁的快速通道

Escape Mediocrity: Accelerate Your Journey to Extraordinary Wealth
擺脫平庸：加速你通往非凡財富的旅程

Try Bookey App to read 1000＋ summary of world best books
試用 Bookey 應用程式，閱讀 1000 多本世界最佳書籍的摘要

Unlock 1000＋Titles，80＋Topics
解鎖 1000 多個書名，80 多個主題

New titles added every week
每週新增書籍

Insights of world best books
世界最佳書籍的見解

Chapter 1 Summary : The Great
第 1 章摘要：偉大的

Chapter Summary: The Great Deception
章節摘要：偉大的欺騙

More Free Books on Bookey
更多免費書籍在 Bookey

Introduction to the Deception of Wealth
財富欺騙的介紹

The Problems with＂Get Rich Slow＂
「快速致富」的問題

Conclusion：Fastlane Distinctions
結論：高速車道的區別

Chapter 2 Summary : How I Screwed "Get Rich Slow"
第 2 章總結：我是如何搞砸「慢慢致富」的

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How I Screwed＂Get Rich Slow＂
我是如何推翻「慢慢致富」的陷阱

Exposing the＂Get Rich Slow＂Dreamkiller
揭穿「慢慢致富」的夢想殺手

More Free Books on Bookey
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The 90 Seconds that Changed My Life
改變我人生的 90 秒

The Liberation from Fame and Talent
從名氣與天賦解放

The Search for the Millionaire Fastlane
尋找百萬富翁的快速通道

Resistance into Mediocrity
對平庸的反抗

Roadblocks，Detours，and Depression
障礙、繞路與沮喪

My Blizzard of Awakening
我的覺醒暴風雪

The Merge from Slowlane to Fastlane
從慢車道邁向快車道的轉變

A New Wealth Equation Yields Asymmetric Wealth Acceleration
一個全新的財富方程式帶來不對稱的財富加速

My＂Faked＂Shortcut to Wealth
我的致富「捷徑」謊言

The Birth of the Money Tree
金錢樹的誕生

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Chapter 3 Summary : The Road Trip to
第 3 章摘要：通往

Chapter 3: The Road Trip to Wealth
第 3 章：通往財富的旅程

More Free Books on Bookey
更多免費書籍，歡迎使用 Bookey

Wealth Is a Road Trip，Not Just a Road！
財富是一趟旅程，而不僅僅是一條路！

Wealth＇s Illusionary Road
財富的虛幻之路

Install Bookey App to Unlock Full Text and Audio
安裝 Bookey 應用程式以解鎖完整的文字和語音內容

Why Bookey is must have App for Book Lovers
為什麼 Bookey 是書籍愛好者必備的應用程式

Text and Audio format
文字和音訊格式

ニン $\overset{ˇ}{x}$ 您好 $\overset{ˇ}{x}$

$Δ O$ OD

Chapter 4 Summary : The Roadmaps to
第四章總結：通往

More Free Books on Bookey
更多免費書籍在 Bookey

The Roadmaps to Wealth
通往財富的藍圖

The Compass for Wealth
財富的指南針

The Three Financial Roadmaps to Wealth
邁向財富的三種財務藍圖

Primary Wealth Accelerator
主要財富加速器

Responsibility \＆Control
責任與控制

The Roadmaps Operate within Distinct Universes
不同的路徑運作在各自的獨特世界中

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Chapter 5 Summary : The Road Most
第 5 章總結：最常被行走的道路

More Free Books on Bookey
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Chapter 5：The Road Most Traveled：The Sidewalk
第 5 章：最常走的道路：路邊族

What Is a Sidewalker？
什麼是人行道族群？

The Mindposts of a Sidewalker
側邊人的心態

Sidewalkers carry specific mindsets, affecting their behaviors regarding money and life:
側線人攜帶特定的心智模式，影響他們對金錢和生活的行為：

Debt Perception:
Views credit as a tool for instant gratification.
債務觀點：將信用視為即時滿足的工具。

Sees life as short, leading to impulsive spending.
認為生命短暫，導致衝動性消費。

Believes learning ceased post-graduation.
認為畢業後學習就此終止。

Money Perception:
Equates wealth with spending and lifestyle/display.
金錢認知：將財富等同於花費和生活方式/展示。

Primary Income Source:
Focused solely on immediate earnings.
主要收入來源：僅關注當下的收入。

Wealth Equation:
Measures wealth by income plus debt.
財富方程式：以收入加上債務來衡量財富。

Disturbing Sidewalking Facts
令人不安的人行道生活事實

The Standard Sidewalker：Income Poor
標準的人行道族群：收入貧乏

Sidewalking Symptoms：Are You on It？
人行道症候群：你是否正處在其中？

The Sidewalk＇s Gravitational Pull：Poverty
人行道的重力：貧窮

Money Doesn＇t Solve Money Problems
金錢無法解決金錢問題

The Affluent Sidewalker：Income－Rich
富裕的側邊人：高收入

The Income／Wealth Mirage of the Sidewalk
側邊人的收入／財富海市蜃樓

Chapter Summary：Fastlane Distinctions
章節摘要：快車道的差異

Chapter 6 Summary : Has Your Definition of Wealth Been Poisoned?
第 6 章總結：你對財富的定義是否已被扭曲？

Chapter 6: Has Your Definition of Wealth Been Poisoned?
第六章：你的財富定義是否已被扭曲？

The Default Definitions of Wealth，Per Culture
依文化而定的財富預設定義

Wealth Can＇t Be Bought for 60 Easy Payments
財富不是用 60 期分期付款就能買到

Install Bookey App to Unlock Full Text and Audio
下載 Bookey 應用程式，解鎖完整文字與音訊

Love it!
\section{Love it!}
太愛了！\section{太愛了！}

Chapter 7 Summary ：Lifestyle Servitude：The Thief of Happiness
第 7 章摘要：生活方式奴役：幸福的竊賊

Chapter 7：Lifestyle Servitude：The Thief of Happiness
第 7 章：生活方式奴役：幸福的竊賊

Normalcy Is the Rat Race，a Modern－Day Slavery
平凡就是老鼠競賽，一種現代奴役制度

The Proper Use of Money
金錢的正確運用

Lifestyle Servitude：The Trap of the Sidewalk
生活奴役：側走道的陷阱

If You Think You Can Afford It－You Can＇t
如果你認為你負擔得起—其實你付不起