沃伦·巴菲特节俭的 11 种方式

Trying to build your savings, pay off debt and make the most of your money? You might want to try living like a billionaire -- but only if that billionaire is Warren Buffett. The investor -- known as the Oracle of Omaha -- is the CEO of Berkshire Hathaway. But there's more to this American business magnate than just his job.试图建立您的储蓄，还清债务并充分利用您的钱？ 你可能想尝试像亿万富翁一样生活——但前提是亿万富翁是沃伦巴菲特。 投资者——被称为奥马哈的甲骨文——是伯克希尔哈撒韦公司的首席执行官。 但对这位美国商业巨头来说，不仅仅是他的工作。

Despite his roughly $105.6 billion net worth, according to Forbes, the sixth-wealthiest man in the world enjoys a life of simple taste, frugal living and generous philanthropy. Here's a look at Warren Buffett's tips for living frugally.据《福布斯》报道，尽管他的净资产约为 1056 亿美元，但这位世界第六富有的人过着朴素的生活、节俭的生活和慷慨的慈善事业。 以下是沃伦·巴菲特 (Warren Buffett) 节俭生活的秘诀。

1. Warren Buffett’s House Is the Same One He Bought in 19581.沃伦巴菲特的房子还是他在1958年买的

Billionaires live in mansions, right? Not Buffett.亿万富翁住豪宅，对吧？ 不是巴菲特。

He lives in the same residence in Omaha, Neb., that he bought in 1958 for $31,500, the equivalent of roughly $285,000 in 2020 dollars. Buffett has no intention of putting his own home up for sale. "I wouldn't trade it for anything," he told CNBC earlier this year.他住在内布拉斯加州奥马哈的同一栋住宅中，这是他于 1958 年以 31,500 美元购买的，相当于 2020 年的 285,000 美元。 巴菲特无意出售自己的房屋。 “我不会用它换任何东西，”他今年早些时候告诉 CNBC。

In today's money, Buffett would have paid about $43 per square foot for the 6,570-square-foot home. But these days, the home is worth about $161 per square foot, according to the home's current value listed by the tax assessor's office in Douglas County, Nebraska, where Buffett lives.以今天的钱，巴菲特会为这栋 6,570 平方英尺的房子支付每平方英尺 43 美元左右。 但如今，根据巴菲特居住的内布拉斯加州道格拉斯县税务评估员办公室列出的房屋当前价值，该房屋每平方英尺的价值约为 161 美元。

If you want to live like Buffett, consider buying less home than you can afford. Instead of paying pricey mortgage payments, you'll be able to put more of your money toward savings, retirement or vacations.如果您想像巴菲特一样生活，请考虑购买超出您负担能力的房屋。 您可以将更多的钱用于储蓄、退休或假期，而不是支付昂贵的抵押贷款。

And if you must take out a loan, perhaps get a 30-year mortgage -- it's "the best instrument in the world," Buffett told CNBC. In fact, Buffett took out a 30-year mortgage in 1971 when he bought a vacation home in Laguna Beach, California.巴菲特告诉 CNBC，如果你必须贷款，也许可以获得 30 年期的抵押贷款——这是“世界上最好的工具”。 事实上，巴菲特在 1971 年购买了加利福尼亚拉古纳海滩的度假屋时，获得了 30 年期的抵押贷款。

"If you're wrong and rates go to 2 percent, which I don't think they will, you pay it off," he said. "It's a one-way renegotiation. It is an incredibly attractive instrument for the homeowner and you've got a one-way bet."“如果你错了，利率上升到 2%，我认为他们不会，那么你就会付出代价，”他说。 “这是一种单向的重新谈判。对于房主来说，这是一种非常有吸引力的工具，而且你有一个单向的赌注。”

2. Buffett Starts His Day With a Cheap Breakfast巴菲特以便宜的早餐开始他的一天

You might assume billionaires brunch at the most extravagant restaurants, ordering eggs Benedict and bottomless mimosas. Or, they hire a personal chef who can whip up whatever and whenever they want -- right?你可能会假设亿万富翁在最奢侈的餐厅吃早午餐，点鸡蛋本尼迪克特和​​无底含羞草。 或者，他们聘请了一位私人厨师，可以随时随地为他们提供任何东西——对吗？

Wrong. Adopting Buffett's lifestyle doesn't include paying high prices for daily gourmet French toast prepared in the comforts of your own home.错误的。 采用巴菲特的生活方式并不包括为每天在舒适的家中准备的美味法式吐司支付高价。

When it comes to food, the billionaire investor has been known to save money by taking the fast-food route. In fact, he might kick off his day with a trip to McDonald's during his five-minute drive to work, reports CNBC.在食品方面，众所周知，这位亿万富翁投资者通过快餐路线省钱。 据 CNBC 报道，事实上，他可能会在开车去上班的五分钟内去一趟麦当劳，开始他的一天。

If he's feeling rich, he'll splurge by spending $3.89 on a bacon, egg and cheese biscuit sandwich. If the market's down, he might spend $3.19 on a sausage, egg and cheese sandwich instead. On a really bad day, he buys two sausage patties for $2.38, puts them together and washes it down with a Coke he pours himself.如果他感觉很富有，他会花 3.89 美元买一个培根、鸡蛋和奶酪饼干三明治。 如果市场下跌，他可能会花 3.19 美元购买香肠、鸡蛋和奶酪三明治。 在非常糟糕的一天，他花 2.38 美元买了两个香肠馅饼，把它们放在一起，然后用他自己倒的可乐冲洗干净。

Buffett also is known to opt for cheap food when he's on the road -- but forget the cholesterol-soaked bacon and eggs at a local restaurant. Buffett's travel breakfast might consist of a pack of Oreos, his friend Bill Gates -- yes, his good buddy is the Microsoft founder -- wrote on his blog.众所周知，巴菲特在旅途中会选择便宜的食物——但忘记了当地餐馆里浸透胆固醇的培根和鸡蛋。 巴菲特的旅行早餐可能包括一包奥利奥，他的朋友比尔盖茨——是的，他的好朋友是微软创始人——在他的博客上写道。

"One thing that was surprising to learn about Warren is that he has basically stuck to eating what he liked when he was 6 years old," Gates wrote. "He did move past baby food, of course, but he mostly eats hamburgers, ice cream and Coke."盖茨写道：“了解沃伦的一件事令人惊讶的是，他基本上坚持吃他 6 岁时喜欢吃的东西。” “当然，他确实不吃婴儿食品，但他主要吃汉堡包、冰淇淋和可乐。”

Buffett explained his diet in a 2015 interview with Fortune: "I checked the actuarial tables, and the lowest death rate is among 6-year-olds. So I decided to eat like a 6-year-old. It's the safest course I can take."巴菲特在 2015 年接受《财富》杂志采访时解释了他的饮食：“我查看了精算表，6 岁儿童的死亡率最低。所以我决定像 6 岁儿童一样吃饭。这是我能吃的最安全的课程 拿。”

3. Buffett Buys Reduced-Price Cars巴菲特购买降价汽车

Although some CEOs drive around in million-dollar cars, you'll likely find Buffett driving something much more modest.尽管一些 CEO 开着价值百万美元的汽车四处奔走，但你可能会发现巴菲特开着更普通的东西。

In a BBC documentary, his daughter, Susie Buffett, said he bought cars that he could get at reduced prices -- like those that had been damaged by hail. The cars were fixed and didn't look hail-damaged and became a regular part of the Buffett lifestyle.在 BBC 的一部纪录片中，他的女儿 Susie Buffett 说他购买的汽车可以降价购买——就像那些被冰雹损坏的汽车一样。 汽车是固定的，看起来没有被冰雹损坏，成为巴菲特生活方式的常规部分。

"You've got to understand, he keeps cars until I tell him, 'This is getting embarrassing -- time for a new car,'" said his daughter in the documentary.“你必须明白，他一直在养车，直到我告诉他，‘这让我很尴尬——是时候买一辆新车了，’”他的女儿在纪录片中说。

Buffett also told Forbes in 2014 about his car-buying habits -- or lack thereof. "The truth is, I only drive about 3,500 miles a year so I will buy a new car very infrequently," he said.巴菲特还在 2014 年向《福布斯》讲述了他的购车习惯——或者说缺乏这种习惯。 “事实是，我每年只行驶大约 3,500 英里，所以我很少会购买新车，”他说。

Remember this the next time you're in the market for a car: Cars tend to depreciate quickly, so it can be better for your finances if you try to keep your well-working car for as long as possible -- or at least opt to buy a used car instead of new.下次您在汽车市场上时请记住这一点：汽车往往会迅速贬值，因此如果您尝试尽可能长时间地保持运转良好的汽车 - 或至少选择这样做，则对您的财务状况会更好 买一辆二手车而不是新车。

4. Buffett Enjoys Affordable Hobbies巴菲特喜欢负担得起的爱好

A commitment to live like Warren Buffett doesn't mean all work and no play. After all, even billionaires have hobbies. But compared to other famous CEOs, investors and entrepreneurs, Buffett's hobbies are much more affordable. For example, he enjoys playing bridge.承诺像沃伦巴菲特一样生活并不意味着只工作不玩。 毕竟，即使是亿万富翁也有爱好。 但与其他著名的 CEO、投资者和企业家相比，巴菲特的爱好要实惠得多。 例如，他喜欢打桥牌。

"If I play bridge and a naked woman walks by, I don't even see her," laughed Buffett during a CBS News "Sunday Morning" interview. Yep, Buffett is a self-proclaimed bridge addict, and you might even catch him playing the game about 8 hours a week, according to a Washington Post interview from 2017.“如果我打桥牌，一个裸体女人走过，我甚至看不到她，”巴菲特在哥伦比亚广播公司新闻“周日早晨”采访中笑道。 是的，巴菲特自称为桥牌瘾君子，根据 2017 年华盛顿邮报的采访，你甚至可能会发现他每周玩 8 小时左右的游戏。

"I one time said that I wouldn't mind going to jail if I had the right three cellmates so we can play bridge all the time," he also said in the interview.“我曾经说过，如果我有合适的三个狱友，我不介意进监狱，这样我们就可以一直打桥牌，”他还在采访中说。

When Buffett's not busy being a business mogul, you might find him strumming his ukulele and singing as well. He's played for investors and at charity events. A video of him playing the instrument with Gates even went viral after it was posted on Gates' blog in 2016.当巴菲特不忙于成为商业大亨时，您可能会发现他还会弹奏尤克里里琴并唱歌。 他为投资者和慈善活动效力。 2016 年，他与盖茨一起演奏乐器的视频在盖茨的博客上发布后，甚至在网上疯传。

5. Buffett Treats His Friends Well, but Not Extravagantly巴菲特善待他的朋友，但并不奢侈

What do you give a friend who's also a billionaire? Buffett's long-standing friendship with Gates is legendary. In honor of Buffett's 90th birthday, the Microsoft magnate explained on his blog what's kept their friendship strong over the years:你给一个也是亿万富翁的朋友什么？ 巴菲特与盖茨的长期友谊堪称传奇。 为纪念巴菲特 90 岁生日，这位微软大亨在他的博客上解释了多年来保持他们友谊的原因：

"Of all the things I’ve learned from Warren, the most important thing might be what friendship is all about," Gates wrote. "A person that I admire as well as like — that's the perfect description of how I feel about Warren. Happy birthday, my friend."“在我从沃伦那里学到的所有东西中，最重要的可能是友谊是什么，”盖茨写道。 “一个我敬佩和喜欢的人——这是我对沃伦的感受的完美描述。生日快乐，我的朋友。”

And Buffett didn't earn Gates' gratitude through grandiose and expensive gestures. Instead, it's simply about how he treats others. In his 2016 blog post, Gates gave examples of how Buffett is a kind and thoughtful friend, such as driving personally to the airport to pick up Gates whenever he's in Buffett's hometown town, calling frequently and sending news clippings by mail that he thinks Gates and his wife will enjoy.巴菲特并没有通过宏伟而昂贵的姿态赢得盖茨的感激。 相反，这只是关于他如何对待他人。 在他 2016 年的博客文章中，盖茨举例说明了巴菲特如何是一个善良而体贴的朋友，例如每当他在巴菲特的家乡时，他都会亲自开车去机场接盖茨，经常打电话并通过邮件发送他认为盖茨和 他的妻子会喜欢。

Those special touches that mean a lot to friends just might be the best takeaway for those seeking to live the Warren Buffett lifestyle.对于那些寻求沃伦巴菲特生活方式的人来说，那些对朋友来说意义重大的特殊接触可能是最好的收获。

6. Buffett Used a Nokia Flip Phone Long After Smartphones Existed6. 巴菲特在智能手机出现后很久就使用了诺基亚翻盖手机

Buffett likely won't be shelling out big money for the newest iPhone, even though he's now using one. The billionaire revealed in a February 2020 CNBC Squawk Box interview that he has been given several iPhones, including by Tim Cook.巴菲特可能不会为最新款的 iPhone 花大钱，即使他现在正在使用一部。 这位亿万富翁在 2020 年 2 月的 CNBC Squawk Box 采访中透露，他收到了几部 iPhone，其中包括蒂姆·库克 (Tim Cook)。

He stated the Nokia flip phone, which he had held on to for years, is permanently gone and he now uses the newest model iPhone, which was an iPhone 11 at the time of the interview.他表示，他持有多年的诺基亚翻盖手机已经永久消失，他现在使用最新型号的 iPhone，即接受采访时的 iPhone 11。

While it's tempting to always splurge on the latest technology, take a page from Buffett's book and only upgrade your phone when you really need to. If you insist on buying the latest iPhone to hit the market, look for other ways to save on your phone expenses, such as using a no-contract phone plan or buying a family plan to share data.虽然总是挥霍最新技术很诱人，但请从巴菲特的书中翻阅一页，仅在真正需要时才升级您的手机。 如果您坚持购买最新上市的 iPhone，请寻找其他方法来节省电话费用，例如使用无合约电话计划或购买家庭计划来共享数据。

7. Buffett Doesn’t Splurge on Designer Suits巴菲特不会在设计师西装上挥霍

Buffett shuns high-end designer suits. Instead, he exclusively wears suits created by a Chinese sewing entrepreneur named Madam Li, whom he met in 2007.巴菲特回避高端设计师西装。 相反，他只穿着由他在 2007 年遇到的一位名叫李女士的中国缝纫企业家设计的西装。

"They fit perfectly," he said of the suits in a 2017 CNBC interview. "We get compliments on them. It's been a long time since I got compliments on how I looked but, since I am wearing Madame Li's suits, I get compliments all the time."“它们非常合身，”他在 2017 年 CNBC 采访中谈到这些西装时说。 “我们得到了他们的赞美。我已经很久没有得到赞美我的外表了，但因为我穿着李夫人的西装，我一直受到赞美。”

The takeaway: Opt for quality goods that will last you a long time, rather than buying something just because it has a brand name attached to it.要点：选择可以使用很长时间的优质商品，而不是仅仅因为它附有品牌名称就购买。

8. Buffett Clips Coupons巴菲特剪辑优惠券

Buffett proves that even billionaires still appreciate an opportunity to save money. In Bill and Melinda Gates' 2017 annual letter, Bill recalled a trip he took with the investor, during which Buffett paid for their fast-food lunch using coupons. He even provided photographic proof of this.巴菲特证明，即使是亿万富翁也仍然喜欢省钱的机会。 在比尔和梅琳达·盖茨 2017 年的年度信函中，比尔回忆了他与投资者的一次旅行，在此期间，巴菲特使用优惠券支付了他们的快餐午餐费用。 他甚至为此提供了照片证明。

"Remember the laugh we had when we traveled together to Hong Kong and decided to get lunch at McDonald’s? You offered to pay, dug into your pocket, and pulled out … coupons!" Bill wrote. "Melinda just found this photo of me and 'the big spender.' It reminded us how much you value a good deal."“还记得我们一起去香港旅行并决定在麦当劳吃午饭时的笑声吗？你主动提出付款，从口袋里掏出……优惠券！” 比尔写道。 “梅琳达刚刚找到了这张我和‘大手笔’的照片。 它提醒我们你对一笔好交易有多重视。”

Save on your next purchase -- even if it's something as inexpensive as a McDonald's meal -- by using applicable discounts, which you can easily find on online coupon sites.通过使用适用的折扣，您可以在在线优惠券网站上轻松找到这些折扣，从而节省您下次购买的费用——即使它像麦当劳的餐点一样便宜。

9. Buffett Has Worked in the Same Office Building for More Than 50 Years巴菲特在同一栋办公楼里工作了50多年

Buffett has remained in the same office building since he joined Berkshire Hathaway in the 1960s.自从 1960 年代加入伯克希尔哈撒韦以来，巴菲特一直租住在同一栋办公楼里。

"It's a different sort of place," Buffett said of the company's Omaha headquarters in the 2017 HBO documentary "Becoming Warren Buffett," CNBC reports. "We have 25 people in the office and if you go back, it's the exact same 25. The exact same ones. We don't have any committees at Berkshire. We don't have a public relations department. We don't have investor relations. We don't have a general counsel. We just don't go for anything that people do just as a matter of form."据 CNBC 报道，巴菲特在 2017 年 HBO 纪录片《成为沃伦巴菲特》中谈到该公司的奥马哈总部时说：“这是一个不同的地方。” “我们办公室里有 25 个人，如果你回去，那是完全相同的 25。完全相同的人。我们在伯克希尔没有任何委员会。我们没有公共关系部门。我们没有 投资者关系。我们没有总法律顾问。我们只是不追求人们所做的任何形式的事情。”

Even if you're not a business owner, you can still benefit from Buffett's way of thinking. It boils down to the old saying: If it ain't broke, don't fix it.即使您不是企业主，您仍然可以从巴菲特的思维方式中受益。 归结为一句老话：如果它没有坏，就不要修理它。

10. Buffett Thinks Outside the Box To Save Money巴菲特跳出思维定势以省钱

In Roger Lowenstein's biography of the businessman, "Buffett: The Making of an American Capitalist," the author says that after Buffett's first child was born, he converted a dresser drawer into a space for the baby to sleep instead of spending money on a bassinet, reports Forbes. When it came to the family's second child, he borrowed a crib rather than buying one.在罗杰·洛温斯坦 (Roger Lowenstein) 的商人传记《巴菲特：美国资本家的形成》(Buffett: The Making of a American Capitalist) 中，作者说巴菲特的第一个孩子出生后，他将梳妆台抽屉改造成婴儿睡觉的空间，而不是花钱买摇篮 ，报道福布斯。 当谈到家里的第二个孩子时，他借了一张婴儿床而不是买一个。

Perhaps making your baby sleep in a drawer seems a little extreme, but it's just an example of thinking outside the box. Use resources that are already available to you to prevent unnecessary spending.也许让宝宝睡在抽屉里似乎有点极端，但这只是跳出框框思考的一个例子。 使用您已经可用的资源来防止不必要的支出。

11. Buffett Values Relationships Over Material Things巴菲特重视物质上的关系

Buffett explained his choice to live frugally during a 2009 Q&A session he conducted with a group of business school students.巴菲特在 2009 年与一群商学院学生进行的问答环节中解释了他选择节俭的生活方式。

"You can’t buy health and you can’t buy love," said Buffett, according to the Underground Value blog. "I’m a member of every golf club that I want to be a member of [...] I’d rather play golf here with people I like than at the fanciest golf course in the world. [...] I’m not interested in cars, and my goal is not to make people envious."根据地下价值博客，巴菲特说：“你买不到健康，也买不到爱情。” “我是每个我想成为会员的高尔夫俱乐部的会员 [...] 我宁愿和我喜欢的人在这里打高尔夫球，也不愿在世界上最豪华的高尔夫球场。[...] 我 “我对汽车不感兴趣，我的目标不是让人嫉妒。”

And in a 2017 interview with People, Susie Buffett said of her father: "...it’s really true that he does not care about having a bunch of money." Instead, she said, he emphasizes family.在 2017 年接受《人物》采访时，苏西·巴菲特 (Susie Buffett) 谈到她的父亲时说：“……他真的不在乎有一大笔钱。” 相反，她说，他强调家庭。

“I don’t think people realize, he’s got a bunch of great-grandchildren and he could tell you everything about what they’re all doing. He knows every one of those kids and he knows about their lives,” she said.“我认为人们没有意识到，他有一群曾孙，他可以告诉你他们所做的一切。 他认识这些孩子中的每一个，也了解他们的生活，”她说。