《财务自由》苏茜·欧曼(Financial Freedom by Suze Orman)[MP3]

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9步达到财务自由

金钱不仅仅是我们拥有什么，还包括我们如何认识自我。大多数人无法按你知道的方式对待金钱，并非你不能，也并非你不想，更不是你甚至不知道你应该怎么做，只是因为存在精神上的障碍－一些情感障碍－阻止你富裕充实。我们的整个人生，不仅仅包括我们拥有什么，还包括认识自我。当我们将自我价值和财富净值合二为一时，我们就拥有了真正的自由。
第一步 弄清过去如何控制未来的财务钥匙

回想你从前在金钱上的经历，考虑一下这些往事是如何教你认识自我，进而影响今日的你。

第二步 正视你的恐惧并建立新的理念

将你的经济恐惧换成新的，正面的，赋予你力量的信息（比如"我有比我所需更多的钱"；"我能控制我自己的所有事情"；"我有能力把我的钱交给适当的人管理"）。

第三步 对你自己诚实

坦诚面对你目前的经济状况，决定你要如何开始花钱。

第四步 为你所爱的人负责

你要对关爱你的人负责，就应该打点这些"必须订立"的遗嘱，委托，寿险，医疗保险，长期护理保险以及房产规划授权书。

第五步尊重你自己和你的金钱

尊重你自己和你的钱，对退休计划，股票，货币市场账户和互助基金进行明智的投资，消除信用卡负债。你的行动将体现尊重的意义。

第六步 相信自己胜于相信他人

你最信任的人必须是你自己。注意你发自内心的想法，它将告诉你如何投资和怎样投资适合你。

第七步 敞开接受你应该拥有的一切

捐出一部分你的钱。松开你自己对金钱紧拽的手，你将敞开你自己，接受属于你的东西。

第八步 理解金钱循环里的潮起潮落

了解并接受金钱的周期。你今天或明年的挫折不会阻止你获得财务自由。如果你坚持自己的目标和梦想，你就一定能实现。

第九步 认识真正的财富

学会认识真正的财富。金钱本身不会使你财务自由。只有意志坚定，我们才明白：我们的价值远不只金钱。



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01 Remove Your Barriers by Suze Orman

"Financial Freedom is not about how much money your have. It's about having control over your thoughts and your fears about money."——Suze Orman

·Take charge of your financial destiny by creating new goals
·Understand the hidden power of money in your life
·Identify how money memories from your past have impacted your ability to create wealth today
·Overcome the barriers that keep you from taking control of your financial affairs
·Realize that financial prosperity starts in your mind

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02 Claim Your Power

"You will never be powerful in your life until you are powerful over your money."——Suze Orman

·Identify the fears that are holding you back from financial freedom
·Understand how your fear has wreaked havoc on your financial life
·Empower yourself to substitute fear with confidence so you can take action
·Break through the chains of your past to create a great future
·Stop being afraid

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03 Get What You Really Want

"You are more powerful than your fears, than your credit card debe, than your bank statements, or your self-limiting thoughts."——Suze Orman

·Counter your negative thoughts with positive ones
·Retrain your mind to move you toward your financial goals
·Put an end to your self-limiting beliefs
·Replace poverty consciousness with prosperity consciousness
·Get energized about making your financial dreams come true

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04 Secure Your Family's Future

"True financial freedom is not only having money, but having power over that money as well."——Suze Orman

·Take an honest inventory of your financial situation
·Free your heart and mind from worry about the what-ifs of life
·Understand the difference between a will and a trust and why you must have both
·Discover the most important insurance you can buy
·Know all the actions you must take to protect your loved ones

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05 Become A Money Magnet

"Respect and power attract money, disrespect and powerlessness repel it."——Suze Orman

·Discover how you repel money
·Eradicate credit card debt
·Learn about the three most important elements to successful investing
·Create the most effective savings plan for your child's education
·Learn the ins and outs of the new IRAs, 401(k)s and other retirement plans

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06 Trust Yourself More than You Trust Others

"You and you alone have the best judgment when it comes to money."——Suze Orman

·Tap into the wisdom of your own inner voice
·Avoid financial advisors who have their best interests at heart
·Protect yourself against buying the wrong type of mutual funds
·Become your own financial advisor
·Purchase the best mutual funds for you

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07 Receive All You Were Meant To Have

"We experience prosperity, true financial freedom, when our actions with respect to money are actions of generosity."——Suze Orman

·Understand how thoughts of poverty are bonds of poverty
·Recognize that worring about money will repel it
·Invite all the money you deserve to have into your life
·Learn how the key true wealth is your own generosity
·Experience the serenity that money handled responsibly and generously can bring

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08 Embrace Your Destiny

"If you can have faith that everything happens for the best and hold firm to this belief, especially during troubled times, then you are giving yourself a gift that all the money in the world can't buy."——Suze Orman

·Learn how financial crises can be your greatest teacher
·Understand and accept the ups and downs of the money cycle
·Cultivate the belief tant everything happens for the best
·Appreciate how your beliefs and attitudes will make you feel rich, or poor
·Believe you have the power to create ture wealth

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09 Live A life Of True Wealth

"True wealth is that which can never diminish."——Suze Orman

·Recognize how your self-worth is not based on your net worth
·Understand that you are more than your money
·Identify what you cherish most in life
·Apply your new tools and skills to build true wealth
·Celebrate the financial freedom you've created



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附：作者介绍
苏茜·欧曼是美国最著名的注册个人理财规划师（CFP），近几年来，她一直引领着个人理财的潮流，无论是她出版的有关个人理财方面的书籍、制作的电视与广播节目还是主持的报纸专栏，在美国几乎家喻户晓。这位被《今日美国》杂志形象喻为"个人理财发电站"的个人理财专家，几乎每本书都会掀起一阵个人理财的潮流。在过去的岁月中她从一名开咖啡店的女侍者做到最著
名金融公司的职业经纪人，再成为畅销书作者，既而转变为电视及广播节目中的名人。在1987到1997年间曾领导苏茜·欧曼金融集团，在1983到1987年之间，她是培基证券PRUDENTIAL BACHE SECURITIES公司的高级投资副总裁，而从1980到1983年间，她则是美林证券公司的业务经理。

苏茜·欧曼被誉为是"对于美国关于金钱的想法产生革命性影响的人"，被《最佳投资》杂志选为全球三十位最有影响力的"权力经纪人"之一，该称号是赋予那些对共同基金行业和金钱的定义有巨大影响的人士的。《价值》杂志把苏茜·欧曼描绘成是一个彻底改变美国人对金钱看法的人。苏茜·欧曼最近获得TJFR集团商业新闻明星奖，该奖项颁给那些在商业新闻中获得终身成就的人。

苏茜·欧曼充分打造她理财建议的独特品牌，她的三本著作连续荣登《纽约时报》顶级畅销书排行榜--《9步达到财务自由》，《勇于致富》，和《致富之路》。进而影响了成千上万的人们对金钱和理财的概念。她对金钱与财富有着敏锐的视角，她的语言充满激情与幽默，并擅长通过生动的事例一步步引领读者增进他们对金钱的理解。

美国著名电视台美国公共电视台（ＰＢＳ）针对她的《9步达到财务自由》及其他两部作品为基础而制作的三个特别节目为电视台带来滚滚财源，而苏茜是这三个特别节目的编剧、制作人、主持人。她也是美国最著名的财经频道(CNBC)的个人理财栏目制作人，在CNBC全国频道她还拥有一个由她自己主持的节目--《苏茜·欧曼时间》，该节目每周在全美乃至世界许多国家播出，收视率一直居高不下。每周六和周日晚上东部时间8点到11点，西部时间7点到10点，或是太平洋时间5点到8点通过CNBC可以收看到《苏茜·欧曼时间》。

苏茜·欧曼定期在QVC（电视购物零售网）上为自己的《财务自由》时间做主持。迄今，欧曼仅通过电视零售已突破一百万册书，其中包括录音带书籍，使她成为整个QVC的第一畅销作者。

作为一位广受欢迎的演说家和理财专家，苏茜·欧曼周游美国各地并在南非很多地方发表演说，帮助人们改变他们对于金钱的看法。许多主要的报章杂志，例如《新闻周刊》、《人物》、《纽约客》、《现代》、《商业周刊》、《新共和国》、《今日美国》、《纽约时报》、《华尔街日报》、《芝加哥论坛》等都对她作过专题介绍，《今日》、《美国有线电视新闻网络（CNN）》、《MSNBC》、《早安美国》等也都曾制作过她的专题节目。她亦频繁在"今日","赖利金现场",CNN，CNBC，"早安美国"等电视节目中出镜，以及在 "NBC今日新闻"和著名的"奥普拉·温芙蕾脱口秀"中数次亮相。