投资or存款？跟美国创业者学理财-英语课

时间：2019-02-01 作者：英语课 分类：阅读空间

英语课

　　Startup founders 2 are just like us. They may know how to negotiate term sheets, but when it comes to their own personal finances, billion-dollar valuations be damned—they’re just as lost as we are.

　　企业家们和我们并没有什么两样。他们也许是投资协议的谈判高手，而当谈到个人理财的时候，这些亿万富翁们就摸不着头脑了——他们和我们一样不知所措。
　　An unscientific survey of 133 tech founders show most have nothing stashed 3 away for retirement 4—one entrepreneur even reported a negative balance in his savings 5 and checking accounts. Still, it gives a fascinating glimpse into how founders manage their money.
　　一个非学术性研究调查了133位技术（公司）创始人，调查显示多数人没有为退休留下什么存款——其中一位甚至出现了支票和储蓄账户的严重不平衡。不过（这份研究）仍让我们瞥见了这些企业家们是如何理财的。
　　投资or存款？跟美国创业者学理财
　　Their bank account balances are surprisingly not outrageous 6. Just seven have a cool million dollars or more lying around. The mantra of one founder 1: “You can’t save your way to being wealthy.”
　　令人大吃一惊的是：他们的账户余额也没有多到离谱。只有7位拥有100万美元或更多的存款。其中一位的口头禅说得好：“你无法通过存钱来变得富有。”
　　Forty founders say they have no other assets, liquid or illiquid. One 33-year-old founder—who has $15.4 million in cash and assets, $425,000 in retirement, and a 38% stake in his $40 million company—has this piece of advice: “Bet on yourself rather than on external investments (housing, stock market, etc.).” Uh huh.
　　40位企业家表示他们没有其他资产，不论是流动的还是非流动形式的。一名33岁的企业家——他有着1540万美元的现金及资产，42万5000退休资金，还有38%投在他价值4000万美元的公司里——给出了这样一条建议：“不要给外部投资（房产、股票等等）下注，给自己下注。”
　　All the while, most report no credit card or other type of debt. Two say they owed $1 million or more (again, likely a mortgage).
　　从始至终，大多数企业家一直宣称不使用信用卡或者其他种类的借贷。有两位说他们欠了100万美元或更多（老样子，很有可能是房贷）。
　　And what do startup founders actually pay themselves? Following the lead of many CEOs whose salaries are entirely 7 based on performance, 28 startup founders say they take zero salary, and two earn $1 annually 8. (This, of course, leaves out stock-based compensation; see next chart.) But most founders make less than six figures, probably less than the engineers working for them.
　　那么企业创始人到底怎么赚钱的呢？跟随工资完全取决于他们表现的首席执行官的带领，28位企业创始人说他们没有工资，另外2位说自己年收入为1美元。（这当然不算股权收入；详情看下一张图表。）但是大多数企业家赚的钱少于六位数，也许比为他们工作的工程师还少。
　　Three founders say they own none of their company—these founders all have salaries between $100,000 and $200,000. In contrast, 40 retain 100% ownership, but most have between 20% and 39%.
　　三位企业家说他们并没有“拥有”自己的公司——这些企业家都有10万美元到20万美元之间的工资。与此相反的是，40位企业家100%拥有自己的公司的股权，但是大多数只拥有20%到39%的股权。