有人曾经说过，如果让你列出10个最亲密的朋友和熟人，然后把你和他们的收入从少到多进行排序，那么你可能会发现自己处在中间位置。

Someone once said that if you were to make a list of your 10 closest friends and acquaintances and order your earnings and theirs from smallest to greatest, you`d probably find yourself somewhere near the middle. All that this means is that we are subtly influenced by our friends, even when we`re not aware of it, especially in matters of money. Being somewhere in the middle is probably more comfortable for the average person.

有人曾经说过，如果让你列出10个最亲密的朋友和熟人，然后把你和他们的收入从少到多进行排序，那么你可能会发现自己处在中间位置。这说明的是，我们会受到友人们的潜移默化，尤其是在金钱方面，即便我们并不自知。对于一般人而言，排在中间或许感到更自在。

If you are that rare person at the high end of the list, then you probably don`t need to read this article. If you are not, then find out what`s holding you back. There are hundreds of personal finance myths which are either misunderstood, taken out of context, or just plain incorrect. Here are our top 25.

如果你是高高在上的那一个，或许你就不必读这篇文章了。如果不是，那就从中探寻是什么让你停步不前。在此例举出25大理财错误观念。

1. I don`t deserve to be rich.

Why not? Intuition suggests that no matter which religion you follow, there are people who are successful and got there by honest means. What is wrong with that? Believing this myth cripples your willingness to be open to opportunities. Keep in mind that the government, Medicare, and other programs are not going to take care of you as much as you think.

我不配成为富人

为什么不配呢？直觉告诉人们，无论你信奉何种宗教，总有人获得成功而且是通过诚实手段。致富有什么不对的呢？相信这个误区，就会扭曲你迎接机遇的意愿。要记住，政府、医疗保障等等社会福利项目所能提供给你的，不会像你所想的那么多。

2. Rich people are scum.

Or greedy, selfish, uncaring, or whatever. It`s just that the scummy rich are more played up in the media because it sells newspapers. Of course, the rich didn`t get that way by giving away their money. At least not until