为什么富有之家财富很难超过三代？_风闻

【来源龙腾网】

正文原创翻译：

When you start dirt poor, making $10 an hour feels like a huge accomplishment. Likewise if you are born a middle-class kid, running your own profitable business could be a huge accomplishment. If you’re a businessman, you might want to run a huge corporate empire. If you run a huge corporate empire, you might then utilize your vast resources, join politics and even campaign for elections. 

当你一贫如洗时，每小时挣10美元会让你感觉是一个巨大的成就。同样地，如果你出生在中产阶级家庭，经营自己的企业会让你感觉那是一项巨大的成就。如果你是一个商人，经营一个庞大的企业帝国是你的梦想。因为拥有一个庞大的企业帝国，你就可以利用自己庞大的资源，参加政治活动，甚至参加竞选活动。

评论：

1.Divyanth Jayaraj

But if you are already part of a wealthy family, where do you go from there? You can’t buy yourself a kingdom. Your only options are to either join politics or stick to what you’re already doing; aka running that profitable corporate empire. Some people do switch to social causes, start trusts, fund research; even conduct their own.

但如果你已经是一个富裕家庭的一员，那么你又会做什么呢?你不能为自己买一个王国。你的选择只有两个，一是参加政治活动，走政治路线；二是坚持你已经在做的事情，继续运营企业帝国。当然，也有部分人转而从事社会事业，创办信托基金、基金研究等活动;甚至有部分人从零出发，自己开始创业。

But what after that?

We live in times where governments have just started to be fair. Right now, the priority of most nations around the world is to lift their populace out of poverty while remaining sustainable and protecting the environment. You can see 3 problems to the rich right there i.e

 

Bring fairness

Grow in a sustainable way so that there are no critical shortages of resources like food, energy and water

Protect the environment so that humanity doesn’t go extinct

All 3 of these priorities cause modern governments to target the rich. This means, rich people are actively undermined by the sovereign nation-states that protect them.

As things stand today, if you are rich, you pay (at least in theory) until you are no longer rich.

但在那之后呢?

我们现在的社会是一个公平的社会。目前，世界上大多数国家的首要任务是帮助本国人民摆脱贫困，同时保持可持续发展和保护环境。富人目前面临三个问题：

保证公平原则；

以可持续的方式发展，以避免造成粮食、能源和水等资源的严重短缺；

保护环境，这样人类才不会灭绝

以上这3个问题导致现代政府将目标对准了富人。这意味着，即使那些保护富人利益的主权国家，现在也开始不断地削弱富人的影响力。

现在的情况是，如果你很富有，那么你就需要一直交税(至少在理论上)，直到你不再富有。

If you have a high income, you get taxed. If your corporation gets too big, it gets broken up. If you break into new frontiers (say, build an island from scratch), other sovereign states (aka countries) will either claim what you build for themselves or pressure your own country to rein you in. This point is especially emphasized in the sci-fi TV show “The Expanse”

如果你有高收入，你要交税。如果你的公司不断扩张，那么它可能会破产。如果你开辟了新的边界(比如，从头开始建造一个岛屿)，其他主权国家(又称国家)要么宣称你为自己建造的东西是他们的；要么给你的国家施加压力，让它约束你。科幻电视剧《苍穹浩瀚》特别强调了这一点。

 

where people who are outside Earth’s territorial control are kept from growing (through getting resources from mining asteroids) by Earth.

The point I’m trying to make is this.

As the state of human civilization stands right now, there are far too many forces working towards limiting the growth of the wealthy to let them last for more than 3 generations.

在电影中，地球之外的人被地球阻止成长，这些人通过采矿的小行星来获得资源。

我想说的是：

从人类文明目前的发展状况而言，有太多的力量在限制富人的增长，极力造成富不过三代的局面。

A long time ago, it was due to lack of technological advancement. Now, it’s due to humanity’s need to fix the wounds of the past.

Meanwhile, wealth has been reaching more and more people than before; and that’s some good news to celebrate. Filthy rich families might not last for longer than 3 generations but upper-middle class families last for far more than three; and that’s something worth celebrating anyway.

很久以前，造成这种现象的原因是技术落后。而现在，造成这种现象的原因则是因为人类需要修复过去造成的创伤。与此同时，还是有一些值得庆祝的好消息，比如越来越多的人开始变得富有。巨富的家庭可能富不过三代，但中上阶层的家庭可以持续很多代。无论如何，这都是值得庆祝的。

6. Rayan Zehana

The common reason for this is actually due to the shared traits that Entrepreneurs and self-made men possess, everybody starts from somewhere, right? Typically, the founders of a family’s fortune are usually the most intelligent, perceptive and open-minded of the family, the best way to secure the legacy and wealth of a family is to give experience to family members and educate them. There have been too many families that have lost their wealth due to the ignorance of a few reckless heirs. The most successful families, (labeling the Rothschilds in this example) are typically the most stable and successive, one can only assume the strict, rigorous education that each family member must go through in order to persevere and retain the family’s vast success and fortune.

造成这种现象有一个常见的原因，就是由于企业家和白手起家者拥有的共同特征，每个人都是从某个地方开始的。一般来说，家族财富的创始人通常是家族中最聪明、最有洞察力、思想最开放的人，确保家族遗产和财富的最好方式就是向家族成员传授经验并教育他们。有太多的家庭因为几个鲁莽的继承人的无知而失去了他们的财富。最成功的家庭(在这个例子中被称为罗斯柴尔德家族)通常是最稳定、最成功的。我们只能假定每个家庭成员必须接受严格、严谨的教育，才能维持和保留家族的巨大成功和财富。

One good example would be the fortune of the Winchester Family, famous for the aptly named Winchester rifle, the family patriarch, William Wirt Winchester would die in the year 1881 from Tuberculosis, upon his death he was childless, and his widow Sarah Winchester would inherit the fortune of $20 million (equivalent to over $500 million today.) A grieving widow of her husband and her deceased daughter, she would spend most if not all the family fortune on the construction of the Winchester Mansion, which, under the duress that she was haunted, she would continually add more rooms to the house which would make no sense,

温彻斯特家族的财富就是一个很好的例子，该家族的族长以其名符其实的“温彻斯特步枪”而闻名。1881年，家族元老威廉·温彻斯特死于肺结核。因为它生平没有孩子，所以他的遗孀莎拉·温彻斯特将继承2000万美元的财产(相当于今天的5亿多美元)。作为她丈夫的遗孀，她把大部分的家庭财产都花在建造温彻斯特大宅邸上。在被纠缠的压力下，她不断地在房子里增加更多的房间，而这毫无意义。

Staircases which lead to empty wall, doors which open to a balcony which wasn’t there, the Winchester Mystery House is a popular attraction for visitors and tourists, largely due to the fact that it was built by a widow with staggering amounts of wealth, all of which was presumably lost to time.

通向空墙的楼梯，通向原本不存在的阳台的门，这都是温彻斯特神秘屋的热门景点。这座府邸是由一位拥有惊人财富的寡妇建造的，这一切大概都被时间遗忘了。

 

You are more than welcome to attempt and decipher this floor plan.

欢迎您来欣赏和解读这个平面图。

Hopefully this will give you a more simplified version of your answer and you will understand the indispensable value of proper education paralleled with experience. Often times too many parents wish to give their children a better life than what they had experienced, forgetting that it was this life which forged them into strong, smart and perceptive people.

希望这能给你一个更简化的答案，你将理解适当的教育与经验是相辅相成的，二者是不可或缺的。很多时候，太多的父母希望给他们的孩子一个更好的生活，却忘记了正是他们自己经历的这种生活将他们锻造成强大、聪明和有洞察力的人。

7. Mehran Jalali, studied at National Organization for Development of Exceptional Talents (2020)

upxed February 4, 2017 · Upvoted by Bert Morris, Retired CFO and Franklin Parker, works with very wealthy families

Originally Answered: Why does family wealth rarely last more than 3 generations?

My history teacher has a great explanation for this.

See, the first person to become rich in the family wasn’t born into wealth. The person worked and struggled to become rich. For that reason, he (let’s assume it’s a male) knows the value of money. His son, the second generation was also probably not born into wealth. He was likely born when his father was struggling to make money, and for that reason, he knows the value of money. If he was born into wealth however, then the money is likely doomed. He will probably spend recklessly, as he didn’t work for the money, and doesn’t know the value of it.

我的历史老师对此有很好的见解。家里第一个变得富有的人并不是生下来就富有的。这个人努力工作，努力致富。出于这个原因，他(我们假设他是男性)才更了解金钱的价值。他的儿子，第二代可能还没有出生就已经很富贵了。他可能是在他父亲努力赚钱的时候出生的，因此，他也知道金钱的价值。然而，如果他出生在一个富有的家庭，那么这笔钱很可能注定会被败光。他可能会不顾一切地花钱，因为他不是为了钱而工作，也并不知道钱的价值。

The chances that the third generation was not born into wealth is extremely slim. I mean, the first generation likely didn’t have grandchildren before becoming wealthy. Since the third generation didn’t work for their wealth, they wouldn’t know the value of money, and waste it. Of course, my history teacher wasn’t talking about wealth. He was talking about how Persian dynasties usually didn’t last more than 2–3 generations.It was an extremely insightful explanation for me, so I thought I should share it here. I hope you enjoyed it.

第三代不是出生在富裕家庭的可能性极小。我的意思是，第一代在变得富有之前可能并没有孙辈。因为第三代人不为他们的财富工作，他们不知道钱的价值，所以他们肆无忌惮的消费了它。当然，我的历史老师说的不是财富。他说的是波斯王朝通常不会持续超过2-3代。这对我来说是一个非常深刻的解释，所以我想我应该在这里分享它。希望你喜欢。