每个人天天都会与钱打交道，可从小到大，从没有人教我们学会什么是正确的金钱观。显然，我们最朴素的金钱观就是——君子爱财，取之有道，可这没有多大的指导意义。

很多人以为，有钱就等于有了财富；有钱就等于有了资本，可这是真的吗？

钱本身并不一定可以被称为财富，小朋友手里拿的，通常被称为零钱，因为数量很少；大多数人有的，被成为积蓄；只有少数人才有所谓的财富——钱的金额得足够大。——《财富的真相》

《纳瓦尔宝典》也告诉我们，金钱其实更多的只是一个工具，一个购买别人时间的工具，一个社会信用的符号，比如你有钱可以买商品买服务，那相当于购买别人的时间，你钱多代表你有很高的社会信用，大家更愿意借钱给你，也愿意和你做生意。

积累是把钱变成财富的唯一正当手段。关键在于，积累肯定耗费时间，并且常常是很长的时间。大多数人没有财富，并不是因为没有钱，也不是从不积累，而是因为都没做到时间足够久的积累，所以钱的金额不够大，因为才没有获得真正的财富。——《财富的真相》

显然，钱变成财富需要时间的积累。但钱积累到一定程度，也不一定就会自然变成资本。钱要成为有效的资本，还得具备三个要素：

• 一是金额的大小（积累到一定的财富）；
• 二是资金的使用期限（使用1天、1个月、1年、2年与可以使用10年的钱，威力有着天壤之别）；
• 三是资金背后的智慧 （同样的钱，在不同人的手里会发挥不一样的威力）。——《财富自由之路》

从本质上看，钱既是一种社会账簿，也是万物的存储，钱存储了除了物资、人力之外，还有时间与知识，甚至还能存储自由。

钱是生活必需品，既不是万恶之源，也不一定能给人带来幸福。我们既不要仇富，也不要爱慕虚荣，但要建立正确的金钱观。正确的认识它，使用它，积累它，再慢慢把它变成有效的资本，人人都可以从自己的时间里挖出财富。

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We deal with money every day, yet no one really teaches us the right mindset about it. The basic idea we get is "earn money honorably," but that's pretty vague.

Folks often think cash equals wealth or capital, but is that the case?

Cash isn't always wealth. Kids have pocket change; it's small change. Most people have savings, but only a few have what you'd call wealth—big bucks.

"The Truth about Wealth" tells us that wealth takes serious time to build. Most folks aren't wealthy not because they're broke or don't save, but because they haven't saved long enough to stack up the dough.

"Naval's Almanack" reminds us money's a tool, a way to buy time, a sign of social credit. More cash means more trust and more business.

Turning money into wealth is all about the long game. But even a pile of cash doesn't automatically become capital. To be effective capital, you need a hefty amount, a long-term perspective, and some smarts.

At its core, money is a social ledger and a storage unit for goods, labor, time, knowledge, and even freedom.

Money's a necessity, not the root of all evil or a happiness guarantee. We shouldn't resent wealth or chase vanity. Instead, we should get smart about money, save it, and gradually turn it into capital. Everyone can mine wealth from their time.