投资or存款？跟美国创业者学理财

Startup founders are just like us. They may know how to negotiate term sheets, but when it comes to their own personal finances, billion-dollar valuations be damned—they’re just as lost as we are.

企业家们和我们并没有什么两样。他们也许是投资协议的谈判高手，而当谈到个人理财的时候，这些亿万富翁们就摸不着头脑了——他们和我们一样不知所措。

An unscientific survey of 133 tech founders show most have nothing stashed away for retirement—one entrepreneur even reported a negative balance in his savings and checking accounts. Still, it gives a fascinating glimpse into how founders manage their money.

一个非学术性研究调查了133位技术(公司)创始人，调查显示多数人没有为退休留下什么存款——其中一位甚至出现了支票和储蓄账户的严重不平衡。不过(这份研究)仍让我们瞥见了这些企业家们是如何理财的。

Their bank account balances are surprisingly not outrageous. Just seven have a cool million dollars or more lying around. The mantra of one founder: “You can’t save your way to being wealthy.

令人大吃一惊的是：他们的账户余额也没有多到离谱。只有7位拥有100万美元或更多的存款。其中一位的口头禅说得好：“你无法通过存钱来变得富有。

Forty founders say they have no other assets, liquid or illiquid. One 33-year-old founder—who has $15.4 million in cash and assets, $425,000 in retirement, and a 38% stake in his $40 million company—has this piece of advice: “Bet on yourself rather than on external investments (housing, stock market, etc.). Uh huh.

40位企业家表示他们没有其他资产，不论是流动的还是非流动形式的。一名33岁的企业家——他有着1540万美元的现金及资产，42万5000退休资金，还有38%投在他价值4000万美元的公司里——给出了这样一条建议：“不要给外部投资(房产、股票等等)下注，给自己下注。

All the while, most report no credit card or other type of debt. Two say they owed $1 million or more (again, likely a mortgage).

从始至终，大多数企业家一直宣称不使用信用卡或者其他种类的借贷。有两位说他们欠了100万美元或更多(老样子，很有可能是房贷)。

And what do startup founders actually pay themselves? Following the lead of many CEOs whose salaries are entirely based on performance, 28 startup founders say they take zero salary, and two earn $1 annually. (This, of course, leaves out stock-based compensation; see next chart.) But most founders make less than six figures, probably less than the engineers working for them.

那么企业创始人到底怎么赚钱的呢?跟随工资完全取决于他们表现的首席执行官的带领，28位企业创始人说他们没有工资，另外2位说自己年收入为1美元。(这当然不算股权收入;详情看下一张图表。)但是大多数企业家赚的钱少于六位数，也许比为他们工作的工程师还少。

Three founders say they own none of their company—these founders all have salaries between $100,000 and $200,000. In contrast, 40 retain 100% ownership, but most have between 20% and 39%.

三位企业家说他们并没有“拥有自己的公司——这些企业家都有10万美元到20万美元之间的工资。与此相反的是，40位企业家100%拥有自己的公司的股权，但是大多数只拥有20%到39%的股权。