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When downsizing became the "in" thing to do, millions of workers found out their largest so-called asset, their home, was eating them alive.
当经济衰退不可避免地来临时，数以万计的工人将发现他们所谓的最大的资产--房子，正要活活地吃掉他们！
Their "asset", called the house, still costs money every month.
这项叫做房子的资产每个月都要花钱。
Their car, another "asset," was eating them alive.
汽车--他们的另一项"资产"，也在吞噬他们的生活。
The golf clubs in the garage that cost $1,000 were not worth $1,000 anymore.
车库里花1000美元买来的高尔夫球杆，现在已经不值1000美元了。
Without job security, they had nothing to fall back on.
没有了职业的保障，他们也就失去了生活依靠。
What they thought were assets could not help them survive in a time of financial crisis.
他们所认为的资产无法帮他们度过财务危机。
So many people have put themselves in deep financial trouble when they run short of income.
所以许多收入少的人更容易陷入财务困境。
To raise cash, they sell their assets.
为了获得更多的现金，他们不得不出售资产。
First, their personal assets can generally be sold for only a fraction of the value that is listed on their personal balance sheet.
他们个人资产的卖价远比他们在资产负债表上列出的数字低。
Or if there is a gain on the sale of the assets, they are taxed on the gain.
如果卖掉资产之后获得了收益，他们还要缴税
So again, the government takes its share of the gain, thus reducing the amount available to help them out of debt.
所以说每获得一次收益，政府就会从中拿走一份，从而减少了可以用来帮助他们摆脱债务的现金。
That is why I say someone's net worth is often "worth less" than they think.
这就是我说有些人实际的净资产要比他们自己认为的少得多的原因。
Start minding your own business.
开始关注你自己的事业
Keep your daytime job, but start buying real assets,not liabilities or personal effects that have no real value once you get them home.
在继续工作的同时购买一些房地产,而不要买负债或是一旦被你带回家就没有价值的个人用品。
A new car loses nearly 25 percent of the price you pay for it the moment you drive it off the lot.
在你把一辆新车开出停车场的同时，它已经贬值25％了。
It is not a true asset even if your banker lets you list it as one.
汽车不是真正的资产，即使你的银行经理让你把它列入资产项。
My $400 new titanium driver was worth $150 the moment I teed off.
一根新的价值400美元的钛合金高尔夫球杆被我开过球后，就只值150美元了。
For adults, keep your expenses low, reduce your liabilities, and diligently build a base of solid assets.
对成年人而言，把支出保持在低水平、减少借款并勤劳地工作会帮你打下一个稳固的资产基础。
For young people who have not yet left home, it is important for parents to teach them the difference between an asset and a liability.
对于还未经济独立的年轻人来说，父母应该教他们搞清楚资产和负债的区别。
Get them to start building a solid asset column before they leave home, get married, buy a house, have kids, and get stuck in a risky financial position, clinging to a job, and buying everything on credit.
让他们在离家、结婚、买房子、生孩子、陷入财务危机、完全依赖工作和贷款之前，建立起坚实的资产基础，这是非常重要的。
I see so many young couples who get married and trap themselves into a lifestyle that will not let them get out of debt for most of their working years.
我见过许多年轻夫妇在结婚后不久，就陷入了即使工作多年也无法摆脱债务的生活方式中。
For most people, just as the last child leaves home, the parents realize they have not adequately prepared for retirement and they begin to scramble to put some money away.
对大多数人而言，当他们最小的孩子离开家时，他们才意识到自己还没有为退休作好足够的准备，于是开始拼命地挣钱。
Then their own parents become ill and they find themselves with new responsibilities.
接着，他们的父母又病了，他们又背上了新的负担。
So what kind of assets am I suggesting that you or your children acquire?
那么，你或你的孩子应该获取什么样的资产呢？
