如果年轻时投资股票或房地产，市场震荡，你不会一蹶不振。投资是长期冒险，投资越早，就越经得起涨落，而最终获得正收益。

5. Blowing your money

烧钱

What would you do if you went broke at 60 years old? You would be working your behind off when you really should be relaxing and getting ready to retire soon.

60岁的你成了穷光蛋怎么办？你该真正放松，准备享受退休生活的时候，却不得不甩开膀子接着干。

But if you’re 25 and broke, you still have plenty of time to earn more money. Also, nobody will judge you because it’s not unusual for people in their 20’s to not have money these days. You might have blown your money on a nice car or have an obsession with all the newest gadgets.

但是，如果25岁的你破产了，你还有足够的时间赚更多钱。还有，没有人因此对你说三道四，因为，现在20多岁的年轻人没有钱很正常。你可能买了辆好车，挥霍了一笔，或者曾痴迷于新潮小设备。

When you get older, you’ll be able to look back and realize how dumb you were for spending $20,000 on a brand new car when you were only 20 years old. But when you’re older and waste your money, you’ll REALLY have nothing to show for it.

当你变老时，回顾过去，你开始懂得，花2万美元买辆新车，那时只有20岁的你多么让人无语。但是，当你已不再年轻，而且还乱花钱，你就真得什么也没有了。

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