What would you do if you suddenly became ￡1million richer overnight? Put a downpayment on a mansion? Buy a bunch of designer handbags? Spend ￡10 on Investing for Dummies and put the rest behind a company?
如果一夜之間存款激增百萬英鎊，你會怎么做？沖抵房子首付、入手一堆名牌設(shè)計(jì)包包、還是花個(gè)10英鎊投資“傻瓜”系列叢書，剩下的存起來維持公司運(yùn)營？

Although most of us can only dream of having our bank accounts suddenly bumped-up by ￡1million, that is the reality for lottery winners, successful app entrepreneurs, and college-level American football players selected in NFL drafts. Those players can go from hard-up students to millionaires in a second.
對于大多數(shù)人而言，銀行存款激增百萬這種事，大概也只能想想了。然而對于樂透贏家、程序員企業(yè)家中的成功人士、以及那些在美國職業(yè)橄欖球聯(lián)賽中被高校選中的橄欖球運(yùn)動(dòng)員?—?一夜暴富即為親身經(jīng)歷。于（上述）那些（橄欖球）運(yùn)動(dòng)員，從窮學(xué)生到暴發(fā)戶盡在一瞬間。

So, what should you do if you're unexpectedly in the money? Firstly, write down what you want and what you need, Mark Doman, a financial adviser who helps people who have accumulated wealth very quickly, told GQ. The more items there are in the ‘want’?column, the less money there will be in the ‘need’?column.
那么，面對飛來橫財(cái)，我們該如何作為呢？“首先，將你的所想所需落實(shí)筆頭?！睂９ヒ灰贡└话咐慕鹑陬檰栺R克·多曼如是告知《智族》雜志?！傲邢碌摹胍鍐卧介L，‘需要’清單將花費(fèi)的錢財(cái)就會越少?！?/div>

Learning how to manage your money rather than trusting others is the next key lesson, according to Doman. He tells his clients that while their trust is all well and good for his ego, he urges them not to invest a single penny in an idea until they understand exactly why they are making that choice.
“下一項(xiàng)關(guān)鍵步驟，則是習(xí)得理財(cái)之道，不再一味依賴他人?！倍嗦f。他告訴他的客戶，雖然他們的信任能讓他覺得洋洋得意，但他還是敦促他們：不了解投資原理前千萬不要投錢下注。

Having a long-term plan and financial strategy is also important, added Doman. This includes considering a person’s earning potential; the length their career is likely to be; their spending habits; and how risk averse they are in order to create a spending strategy.
“長期規(guī)劃和理財(cái)策略也同樣重要?！倍嗦a(bǔ)充道?！斑@關(guān)乎人的收入潛力、職業(yè)壽命、消費(fèi)方式以及在掙錢策略上的冒險(xiǎn)程度?！?/div>

But for people who have gotten rich quickly and lost it all, Damon's advice comes a little too late.
但對于那些已經(jīng)把橫財(cái)?shù)枚鴱?fù)失的人，多曼的建議似乎來得晚了些。

Callie Rogers, who became Britain’s youngest lottery winner aged 16 when she took home ￡1.9million, said in an interview that she was too young to win the lottery.
英國最年輕的樂透贏家凱莉·羅杰年僅16，卻將190萬英鎊獎(jiǎng)金捧回了家。凱莉接受采訪表示，自己年紀(jì)尚小，中樂透頭獎(jiǎng)似乎為時(shí)過早。

“Suddenly, I was a local celeb and people would come up to me in pubs as if they were my best friend and I felt pressure to buy them all drinks. I didn’t know who to trust,”?she told Closer magazine.
“一夜之間，我就成了當(dāng)?shù)孛恕＞瓢衫锏娜藗儠砗臀曳Q兄道弟，我礙不住面子，只好請所有人喝酒。我不知道可以相信誰。”她如是對《近距離》雜志說道。

By the time she was 26, Rogers only had ￡2,000 of her winnings left.
26歲時(shí)，凱莉當(dāng)年的獎(jiǎng)金只剩下屈指可數(shù)的2千英鎊。

Former Big Brother contestant Aisleye Horgan-Wallace, however, recently revealed how she has built a million pound fortune by investing in property.
不過最近，《老大哥》節(jié)目（一個(gè)真人秀）的老選手艾莎耶·霍根-華萊士分享了自己投資房產(chǎn)賺取百萬的經(jīng)驗(yàn)。

"I came out of the Big Brother house and I thought, ‘I’ll ride this wave, five, ten minutes, however long it lasts whatever comes my way’."
“從《老大哥》的房子出來，我暗暗對自己說‘無論如何，我也要趕上這波浪，五分鐘也好，十分鐘也罷。’”

"I put the money straight into property. I didn’t buy one pair of shoes, one handbag, I didn’t spoil myself,”?she said.
“我徑直把錢用到了投資房產(chǎn)上。我沒有買一雙鞋、一個(gè)包，我沒有寵壞自己?！彼f。

"I knew I had to have that fall back plan because you can’t rely on the celebrity world because you’re hot one minute and no one cares the next."
“我必須出此下策，因?yàn)槊耸澜绮豢煽?。?dāng)紅也只曇花一現(xiàn)，一陣風(fēng)云后，再無人問津?！?/div>

（翻譯：Rory）

聲明：本雙語文章的中文翻譯系滬江英語原創(chuàng)內(nèi)容，轉(zhuǎn)載請注明出處。中文翻譯僅代表譯者個(gè)人觀點(diǎn)，僅供參考。如有不妥之處，歡迎指正。