华尔街的赚钱经 投资捷径与陷阱(8)

（单词翻译）

Don't Ignore Common Sense

不要忽视常识

Much heartbreak in the recent past has stemmed from an ignorance of common sense. Fraudsters promising¹ overabundant returns snookered many investors². Some people viewed housing and the stock markets as never-can-lose gambits. Others spent far more than they had.

最近令人心碎的事大部分源于对常识的忽视。骗子承诺的过于丰厚的回报涯骗了很多投资者。有些人认为房市和股市是只赚不赔的买卖，有些人则入不敷出。

Personal finance, at its heart, boils down to common sense. You have to eliminate your high-cost debt and get on a budget. You must save for retirement³. And you need to make sure that you own a home you can afford and enjoy, as opposed to seeing it as a get-rich-quick scheme.

个人理财归根到底是常识的问题。你必须消除高成本负债，进行预算。你必须为退休攒钱。你还要确保自己拥有一座负担得起、又可以享受的房子，而不是把房子看成是一个一夜暴富的工具。

In short: Be prudent⁴, save money, invest wisely. Getting back to these very basics will help all of us rebuild our portfolios⁵ and set sail for a better day.

简而言之要谨慎、攒钱、明智地投资。回归这些基本点将帮助我们所有的人重建投资组合，迎接更美好的生活。