QA问答：亿万富翁往往会有什么烦恼？

Anonymous
Pardon my anonymity, but I am a son of a billionaire.
The problems a billionaire are different, but very similar to other socioeconomic classes. Though it tends to be on a larger scale. For example, jealousy still exists even on the upper levels. Growing up in high school, kids didn't like me because my father made more money than their father. Kids and even adults would go out of their way to point fingers at my family.

请原谅我匿名，我是一个亿万富翁的儿子。
亿万富翁面临的问题与其他社会经济阶层不同，但是非常相似。只是规模会更大而已。例如，即使在上层社会，嫉妒仍然存在。在我高中的成长时期，孩子们不喜欢我，因为我的父亲比他们的父亲挣钱多。孩子们甚至成年人都会竭尽所能的指责我的家人。

There is also a huge sense of entitlement that goes on with family members. My father worked very hard, but some of his siblings and even some of my siblings have a sense of entitlement. Its very difficult and causes family strife. For instance, we have to keep some things a secret from other family members because of fear that they would get upset. What a lot of people don't understand though is that even though my father lives a very luxurious life NOW (he's in his 60's) does not mean that he lived a luxurious left ten years ago. He worked 80+ hour weeks, etc. So some family members and even others think that they should be entitled to the same lifestyle NOW than later. The sad truth its sometimes easier and cheaper to give a family member some salary and a joke of a job just to keep them quiet and content albeit its a temporary and short term solution.

家庭成员也有一种强烈的权利感。我父亲工作很努力，但他的一些兄弟姐妹，甚至我的一些兄弟姐妹都有一种权利感。这很困难，会引起家庭冲突。例如，我们必须对其他家庭成员保密，因为担心他们会不高兴。但很多人不明白的是，尽管我父亲现在过着非常奢侈的生活（他已经60多岁了），但这并不意味着他十年前也过着这么奢侈的生活。他每周工作80多小时，等等。因此，一些家庭成员甚至其他人认为，他们现在有权享受同样的生活方式，而不是以后。可悲的事实是，有时给一个家庭成员一些薪水和一份工作，只是为了让他们保持安静和满足，这更容易，也更便宜，尽管这是一个临时和短期的解决方案。

Another problem is that people think its okay to steal, embezzle, or try to cheat my father. Since people see that he has a lot of money they try to cheat and steal from him. Its easier to spot of it is a non-family member or someone not very close with the family, but it happens quite often from family members and close friends. Its sad, but true. It literally tears some families apart. I haven't seen my aunts and uncles for a longtime for a reason.

另一个问题是，人们认为偷窃、挪用公款或试图欺骗我父亲是可以的。因为人们看到他有很多钱，他们就试图欺骗他，从他那里偷东西。它更容易被发现在一个非家庭成员或者与家庭关系不太密切的人身上，但是这种情况也经常发生在家庭成员和亲密朋友身上。这很悲哀，但却是真的。它真的让一些家庭四分五裂。我好久没见到我的叔叔婶婶了。

A big problem for my generation is raising children. For instance, I seen the struggle my father went through to build his fortune. Being an adult now I also participate in growing the family fortune. I work very hard on attaining skills and experience that would still make me very marketable in the job market aside from my father's influence with his friends. Teaching my children the principle of hard work is going to be difficult for me because they will never see me struggle like my father who was dirt poor from the beginning. They will never experience the same type of stress from me.

我这一代人面临的一个大问题是抚养孩子。例如，我看到了我父亲为积累财富所经历的斗争。作为一个成年人，我也参与了家庭财富的增长。我非常努力地获得技能和经验，除了我父亲的关系网之外，这些技能和经验仍能让我在就业市场上很有销路。教我的孩子们努力工作的原则对我来说是很困难的，因为他们永远不会看到我像我父亲那样挣扎，我父亲从一开始非常贫穷。他们永远不会感受到我曾经感受到的同样的压力。

Bobbi Billard
I've always thought that there are four curses in life:
Being rich
Being powerful
Being beautiful/good looking
Being famous
I believe these things can sometimes be curses and not entirely blessings, like you'd assume. Most people would wish for such luck, however, in reality, some of the people that have one (or more) of the curses lead a very lonely existence. And that is because some people want them for what they have and not necessarily for who they are and it can be difficult to discern which people are really there for the right reasons. Having repeated bad experiences with people that are using them, in turn makes it hard for them to trust people. So... just know that not everyone's life is as great as you think it is from outward appearances. Looks can be deceiving!

我一直认为生活中有四种诅咒：
1、富有
2、强大
3、漂亮/好看
4、出名
我相信这些东西有时可能是诅咒，而不是像你想象的那样完全是祝福。大多数人都希望有这样的运气，然而，在现实中，一些拥有这些诅咒的人过着非常孤独的生活。这是因为有些人想要他们是因为他们拥有什么，而不一定是因为他们是谁，很难辨别哪些人真的是出于正确的原因。与那些利用他们的人反复经历一些糟糕的事情，这会使他们难以信任他人。所以………要知道，不是每个人的生活都像你从外表上想象的那样美好。外表可能是骗人的！
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处

Michael O. Church
I've seen more of the socioeconomic spectrum than almost anyone, and there's a common theme, which is simply put but will require explanation.
Money -> Anguish
If you're poor and under constant financial stress, money (specifically, the lack of it when you need it) dominates your life. You're constantly thinking about how to stretch your paycheck, and it sucks. Sometimes you run out of money and you're at risk of everything (power, access to food) turning off at once. If you get sick, you aren't preoccupied with getting better, but with how the fuck you're going to pay for it. If anything good happens in your neighborhood, you're at risk of being priced out and having to move for no good reason. Even if you work very hard (often, just to stay in the same place) you have low status and society treats you like non-productive human garbage. Money's influence over your life, if you're poor, is severe and negative.

我比几乎任何人都看到了更多的社会经济光谱，它们有一个共同的主题，可以简单地说出来，但需要解释。
金钱->痛苦
如果你很穷，经常处于经济压力之下，金钱（特别是当你需要钱的时候缺乏钱）主宰着你的生活。你一直在想如何增加你的薪水，这太糟糕了。有时，你的钱用完了，你面临着一切（电力、食物）立刻关闭的风险。如果你生病了，你不能全神贯注于病情的好转，而是他妈的、你他妈的要怎么付钱。如果你的邻居发生了什么好事，你就有可能被排挤出去，并无缘无故地搬家。即使你非常努力地工作（通常只是为了呆在同一个地方），你的地位也很低，社会把你当作没有生产力的垃圾人类。如果你贫穷，金钱对你生活的影响是严重的和消极的。

If you're rich, many things in your life improve but (again) money dominates your life. You have to worry about your financial advisors and your children and your (current or future) spouse trying to take it from you. You'll get sued much more often. People try to charge you unfair prices for things because "you can afford it". Anonymity is rarely an option, and you may need private insurance for yourself and your family. If you start living an expensive lifestyle (and it's hard not to, just to keep your status and wealth and connections up) then your finances can remain brittle.

如果你很富有，你生活中的许多事情都会有所改善，但金钱（再次）主宰着你的生活。你必须担心你的财务顾问、你的孩子和你（现在或将来）的配偶试图从你身上夺走它。你会经常被起诉。人们试图向你收取不公平的价格，因为“你买得起”。隐姓埋名是一种罕见的选择，你可能需要为自己和家人购买私人保险。如果你开始过一种昂贵的生活方式（很难不这样做，只是为了保持你的地位、财富和人脉），那么你的财务状况可能仍然脆弱。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处

Once you have high status, people become impressively duplicitous. If you're poor and have low status, most people are mean and shitty but at least they're honest about what they are. If you're a high-status individual, you're going to encounter an almost infinite creativity with which dishonest, conniving people will befriend, flatter, possibly pretend to love, and ultimately rob you. In poker, you see subtler strategies at the $500 tables because the players are better. It's the same in life. When you're very rich, you've moved to the high-stakes tables, and the level of psychopath you're going to encounter, just in the fight to keep (much less grow) your status and protect the people you care about, is a much higher one. The difference is that, in poker, the superiority is in skill. In life, it's in willingness to break the rules (because, for people whose social abilities make them unlikely ever to be caught, there are no rules). You can get jaded and disgusted by it.

一旦你有了很高的地位，人们就会变得非常狡诈。如果你很穷，地位很低，大多数人都很卑鄙，但至少他们是诚实的。如果你是一个地位很高的人，你会遇到一种几乎无限的创造力，不诚实、搞阴谋的人会利用这种创造力与你交朋友、奉承你，甚至可能假装爱你，最终抢劫你。打扑克时，你可以在500美元的牌桌上看到更微妙的策略，因为玩家更好。这在生活中也是一样的。当你非常富有的时候，你已经走到了高风险的桌子上，你将遇到精神病患者的可能性要高得多，只是为了保持（更不用说增长）你的地位和保护你关心的人。不同的是，打扑克时，优势在于技巧。在生活中，这是为了打破规则（因为，对于那些社交能力使他们不太可能被抓住的人来说，没有规则）。你会对此感到厌倦和厌恶。

Some friends of mine know a guy (I won't get into too much detail, and I never met him) who gambled with the rich. He was doing it for the connections and the thrill, but he cheated, sometimes to win and sometimes to lose, because he always wanted to beat the other guy by a very small amount (say, $500) of money. He was trying to build a reputation (by winning consistently, but only slightly) and maybe get a better job, not fleece people. Eventually, people figured out what he was up to. Any guess what happened to him? Murdered, probably over a measly few hundred. When you start to mix with the rich, you get a sense of what people are really up to, and how far they'll go to protect petty turf and their egos, and it's ugly. If nothing else, you learn that people break the rules and even laws constantly.

我的一些朋友认识一个人（我不想谈太多细节，我从未见过他），他和富人赌博。他这样做是为了联系和刺激，但他作弊，有时赢有时输，因为他总是想以一小笔钱（比如500美元）击败另一个人。他试图建立一个声誉（通过不断获胜，但只赢一点点），从而得到一份更好的工作，而不是继续欺骗别人。最后，人们知道了他做了什么。你猜他发生了什么事？被谋杀了，就因为区区几百美元。当你开始与富人交往时，你会感觉到人们真正在做什么，以及他们会在多大程度上保护自己的小地盘和自我，这很难看。还有，你会发现人们经常违反规则甚至法律。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处

Rich is far better than poor, obviously. And the sad truth is that, for most of the middle class, money dominates their lives as well. They choose jobs and living arrangements and even friends almost entirely under economic constraint. Marx warned that, in late-stage capitalism, economic factors would overwhelm everything we hold sacred and like to think of as extra-economic: marriage and the family, religion, the arts, and friendships. To be clear, that's not to say that market economies are worse than others. In Soviet Russia or not-really-communist China, you'd have government corruption dominating life instead of "money". The problem is people. We're social animals and need to be around other people for our own health but, dammit, many people are shitty, especially when money is involved.

显然，做富人比做穷人好。可悲的事实是，对于大多数中产阶级来说，金钱也主宰着他们的生活。他们几乎完全在经济约束下选择工作和安排生活，甚至选择朋友。马克思警告说，在资本主义晚期，经济因素将压倒我们认为神圣的一切，喜爱被认为是经济的附属物：婚姻和家庭、宗教、艺术和友谊。要明确的是，这并不是说市场经济比其他经济要糟糕。在苏维埃俄罗斯或不是真正共产主义的中国，你会看到政府腐败而不是“金钱”。问题是人。我们是社会动物，为了我们自己的健康需要和别人在一起，但是，该死的，很多人都很糟糕，尤其是当涉及到钱的时候。

I think the best strategy for a good life is to keep expenses moderate, get reasonably wealthy (enough that you can work on whatever you want) and then, most importantly, keep it in your pants. The "fun" that can come from high social status will just ruin you as a person, and if any of that becomes public, you're going to have a hard time becoming private again.

我认为，过上好生活的最佳策略是保持适度的开支，变得相当富有（足够让你做任何你想做的事），然后，最重要的是，藏好他。高社会地位带来的“乐趣”只会毁掉你的人格，一旦成为公众人物，你就很难再有私人空间。

Phillip Remaker
When you are a billionaire, nobody will have sympathy for any problem you have, since people will presume that you can readily tap your vast wealth to address any problem.
There is also an assumption that a large amount of money is an infinite amount of money, so you will always be criticised for not spending enough on something to solve some problem.
Wealth attracts legions of people, so it becomes difficult to discern who your friends are among the many people who place demands on your time.
And no matter how much money you have, you are still slave to time. The amount of time available to you remains finite, and the pressure to make the best use of that time relative you your wealth is staggering.
There is an old joke that based on his implicit hourly earning rate, it would not be worth Bill Gates’ time to spend the few seconds to bend down and pick up a $100 bill that he found on the sidewalk. When directly asked the question, Mr. Gates said he would bend down to pick up the bill anyway (and donate it to his foundation).

当你是亿万富翁时，没有人会同情你的任何问题，因为人们会认为你可以随时利用自己的巨大财富来解决任何问题。
还有一个假设，大量的钱就是无限的钱，所以你总是会因为没有花足够的钱来解决一些问题而受到批评。
财富吸引了大量的人，因此在众多对你的时间提出要求的人中，很难分辨出谁是你的朋友。
不管你有多少钱，你仍然是时间的奴隶。你可用的时间仍然是有限的，相对于你和你的财富来说，充分利用时间的压力是惊人的。
有一个老笑话说，根据比尔·盖茨隐含的小时收入率，他花几秒钟弯腰捡起人行道上发现的100美元钞票是不值得的。当直接问到这个问题时，盖茨先生说他无论如何都会弯腰去捡钱（并把它捐给他的基金会）。

Benedict John Torres
Do you know the law of diminishing return? Billionaires are also bound to this problem. If you started a business and earned your first million, you are probably the happiest kid in the block. Then you reach your first $100M and you seem invincible. Then you get your first $1B. You were not as happy as you were when you earned your first million. You can buy a lot of things at $100M and your first $1B is merely a milestone. the happiness diminishes as you grow your wealth.

你知道收益递减规律吗？亿万富翁也必然会遇到这个问题。如果你创业并赚了第一个百万，你可能是这个街区最快乐的孩子。然后当你达到你的第一个1亿美元，你看起来无敌。然后你得到第一笔10亿美元，这个时候你感觉到的快乐还没有你赚到一百万的时候多。你可以用1亿美元买很多东西，而你的头10亿美元只是一个里程碑。随着财富的增加，幸福感也随之减少。

Saniya Bhutta
Death. It doesn't matter how much money you have; death is one thing you have no control over. Whether it happens to you or someone you love.
Going forward though, if science can make a break through, billionaires will be the first to be able to pay for (extended) life.

死亡。不管你有多少钱；死亡是一件你无法控制的事情。无论它发生在你身上还是你爱的人身上。
但展望未来，如果科学能够取得突破，亿万富翁将是第一个能够支付（延长）寿命的人。

Anonymous
Having worked with and seen a billionaire (let's say - top 20 in the world - self made and in manufacturing, not software/ecommerce) from close quarters - I feel that the biggest problem he faced was his lack of choice/options.
Working as an associate for a management consulting firm - I was always stressed with the sheer number of hours of work the entire team was putting in. And often found myself questioning myself on whether it was worth it. I fell sick and called in leave for a week and also did consider quitting multiple times.
However, my client never seemed to have the same options of quitting. He came in to work each and every day of the week - working through Sundays to look into the millions of pending actions at his side. He realized that every cent being lost due to his inability to work efficiently was a cent going out of his pocket - this sense of ownership reduced his choices to nil. I have even seen him coming in to work on Sundays with the flu (albeit flying in to work in a chopper sounds cool) and staying till well past midnight...
The day he decides to quit - his organization/valuation/what-ever you like to call if will suffer. A salaried executive, regardless of their capability and experience and degrees, will never work with the same dedication as an owner because the stakes are so much lower for them and because they always have the option to quit.
PS - This is of course a highly personalized answer and may not apply to all billionaires in general. :)

在与一位亿万富翁（比如说，世界前20位——白手起家，从事制造业，而不是软件/电子商务）近距离接触后，我觉得他面临的最大问题是缺乏选择。
作为一家管理咨询公司的助理，我总是为整个团队投入的工作时间感到很有压力。我经常问自己是否值得。我生病了，请了一周假，还多次考虑辞职。
然而，我的客户似乎从未有过同样的退出选择。他一周中的每一天都在工作——工作到周日，调查他身边数百万悬而未决的行动。他意识到，由于无法高效工作而损失的每一分钱都是他口袋里的一分钱——这种主人翁意识使他的选择减少到零。我甚至见过他带着流感在周日来上班（尽管坐直升机来上班听起来很酷），并一直呆到午夜过后……
在他决定辞职的那一天，他的组织/估值/无论你怎么称呼它都会受到影响。受薪高管，无论其能力、经验和学历如何，都不会像老板那样尽心尽力地工作，因为他们的风险要低得多，而且他们总是有辞职的选择。
PS：这当然是一个高度个性化的答案，可能不适用于所有亿万富翁。笑。

Meenakshhi Mishra
Freud was right when he said “Love and work are the two things you have to do in life.” And great wealth often undermines both.
Wealth can be a barrier to connecting with other people. Wealthy people of both genders are wary of gold diggers—Does he love me or my money?
The only people who worry more about money than the poor are the very wealthy. They worry about losing it, they worry about how it’s invested, they worry about the effect it’s going to have. And as the zeroes increase, the dilemmas get bigger.
The overwhelming concern of the super-rich—is their children. They fear that money could mess them up—give them a sense of entitlement, prevent them from developing a strong sense of empathy and compassion.” They face an inevitable choice: leaving boatloads of money to kids who aren’t good with money.

弗洛伊德说得对，“爱情和工作是你生活中必须做的两件事。”巨大的财富往往会破坏这两件事。
财富可能是与他人联系的障碍。无论男女，有钱人都对淘金者心存戒心。他爱我还是爱我的钱？
唯一比穷人更担心钱的人是非常富有的人。他们担心失去它，他们担心如何投资，他们担心它会产生什么影响。随着零的增加，困境变得更大。
超级富豪最关心的是他们的孩子。他们担心金钱会让他们陷入困境，给他们一种权利感，阻止他们发展出强烈的同情心和恻隐之心。”他们面临着一个不可避免的选择：把大量的钱留给不善于理财的孩子。

B.A. Crisp
Having interviewed and talked with only three billionaires in my lifetime, I'd say the biggest problem they face is figuring out if they are liked and appreciated for being who they are or if people are only being nice to them because of the size of their wallet. I once had a very wealthy person seek refuge at our humble home because it is where he felt he could be himself for a while, enjoy the food and the conversation without being asked for anything.

在我一生中只采访过三位亿万富翁并与他们交谈过，我认为他们面临的最大问题是弄清楚他们是否因为自己的身份而被人喜欢和欣赏，或者人们是否只是因为钱包的大小而对他们友好。曾经有一个非常富有的人在我们简陋的家里寻求庇护，因为他觉得在那里他可以做一段时间的自己，享受食物和交谈，而不需要任何别的东西。

Morgana Wyze
I've been a spirititual counselor for almost 3 decades and my clientale is world-wide. Many of my clients have been multi-millionaires and billionaires. Most of my clients are not that wealthy and some are very ordinary in terms of income.
Yes, some things are simpler for the very wealthy. But. There are only a few problems in each of our lives that we can solve by throwing money at it. When I have those kinds of problems myself I joyfully spend the money to fix it, relieved that there is such a simple solution. The rest of our problems in life we have to work through.

我已经做了将近30年的精神顾问，我的客户遍布全球。我的许多客户都是千万富翁和亿万富翁。我的另外大多数客户都不是那么富有，有些客户的收入非常普通。
是的，对于非常富有的人来说，有些事情更简单。但是在我们每个人的生活中，只有几个问题可以通过花钱来解决。当我自己遇到这些问题时，我会很高兴地花钱去解决它，因为有这么简单的解决方案，我松了一口气。生活中剩下的问题我们必须解决。
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A problem that the very rich do not have that the other 98% do: lack of self confidence. A feeling that you're "not enough". No, they do not have this problem. It's almost universal with the rest of humanity.
A problem that the very rich have that the other 98% do not have: What I call "money sickness". This is a specific illness that undermines family members, family and personal values and their own health and personal integrity. This is when money is more valuable than the person, the relationship, or their own relationship to themselves. They use money as a weapon to manipulate others, or others use emotional blackmail to access their money. This breeds arrogance; the belief that they should be treated specially because they have money. Arrogance begets loneliness as they drive away the few people of integrity in their lives. Loneliness begets paranoia and neurotic behavior. Fear and worry set in and further undermines physical and meantal health.When your sense of self is predicated upon having money, the fear of losing it becomes an absolute.
There is a cure for money sickness, and that is realizing what is valuable and necessary in life and what is not.

非常富有的人没有其他98%的人有的问题：缺乏自信。感觉自己“不行”。不，他们没有这个问题。这几乎是全人类的普遍现象。
非常富有的人有一个其他98%的人没有的问题：我称之为“金钱病”。这是一种损害家庭成员、家庭和个人价值观及其自身健康和人格完整的特殊疾病。这是指金钱比人、关系或他们自己与自己的关系更有价值。他们用金钱作为操纵他人的武器，或者其他人用情感勒索来获取他们的金钱。这滋生了傲慢；他们认为自己应该受到特别对待，因为他们有钱。傲慢导致孤独，因为它赶走了生活中少数正直的人。孤独会导致偏执和神经质行为。恐惧和担忧开始并进一步损害身体和心理健康。当你的自我意识建立在有钱的基础上时，对失去钱的恐惧就变成了一种绝对的恐惧。
有一种治疗金钱病的方法，那就是认识到什么是生活中有价值和必要的，而什么不是。

Stan Hayward
Not knowing who you can trust
Not knowing what to buy that you don't have
Knowing that you cannot buy time
Knowing you cannot buy privacy
Knowing that there are people who want you dead

不知道你可以信任谁。
不知道还有什么你没有的东西可以买。
知道你买不到时间。
知道你买不到隐私。
知道有人想要你死。

Chandresh Kakliya
Lots of problems have been already stated here. But two obvious problems have been missed.
Lack of Money
Lack of Power
They never seem to have enough. And more money won't be able to solve them either.

这里已经陈述了许多问题。但我们忽略了两个明显的问题。
1、缺钱
2、缺权力
他们似乎永远都不够。更多的钱也无法解决这些问题。

Anonymous
Health problems.
Family problems.
Frustation around things that involve natural gift ( Sing, play sports, physical beauty and etc ).
Deal with people looking for money.
Lack of goals to pursue.
Security ( If famous ).

健康问题。
家庭问题。
与自然天赋有关的事情（唱歌、运动、体态美等）。
与寻找金钱的人打交道。
缺乏可以追求的目标。
安全问题（如果出名的话）。

Anonymous
As someone who services the accounts of billionaires at US Trust (I'm like... the guy that pulls weeds in the yards, not some power /investment manager sadly), I imagine their problems come down to:
How do I spend my money? $150k on a new deck? OR should I get a painting of Mickey Mouse for $50k and drop $15k every weekend for years on end? How am I going to turn my billions into more billions? How many ways can I avoid paying as much taxes on my multiple properties? What else can I invest in to make me richer than rich?
We're talking not the top 1% as my "clients", more like the top 0.001%. Billionaires that made their money on buying shitloads of Apple stock when it was fresh on the market, or own a casino or 10 and just kind of... are loaded. It makes me jaded a bit whenever I transfer $15k for spending cash over the weekend to their accounts, but what can I do?

作为一名为美国信托公司的，为亿万富翁账户提供服务的人（我就像是一个在院子里除草的人，而不是某种投资经理），我认为他们的问题归结为：
我要怎么花钱？15万花在新甲板上？还是我应该花5万美元买一幅米老鼠的画？然后连续几年每个周末花1.5万美元？我如何将我的数十亿变成更多的数十亿？我有多少种方法可以避免为我的多处房产缴纳同样多的税款？我还能投资什么让自己比富人更富有？
我说的客户不是前1%那些人，更像是前0.001%那些人。亿万富翁们在苹果股票刚上市时就通过购买大量苹果股票赚钱，或者拥有一家赌场或10家赌场，然后就……赚了很多钱。每当我把他们周末要花掉的1.5万美元转到他们账户时，我都会感到厌倦，但我能怎么办啊？