你有没有富人潜质：来看看自己属于哪类投资者？

There are few relationships more complicated than the one we have with money.
很少有什么关系比我们与金钱的关系更复杂的了。

Some of us are intimate with our finances, endlessly doing research and keeping track of every penny. Others are more distant; they have a general idea of where their money is going, but aren't sure if it's the right move or if it's enough. Then there are the emotional ones, those who cling to money at the wrong times and make impulsive decisions.
我们有些人密切关注自己的财务状况，无休止地进行研究、跟踪每一分钱的去向。其他人与金钱的关系则更为疏远；他们对自己钱财的去向有大体的了解，不过不肯定是否正确或是否充分。还有一些感情用事的人，他们在错误的时间握着钱不放，冲动地做出决定。

So, what kind of investor and saver are you?
那么，你属于哪种投资者和储蓄者呢？

Not sure? Ask yourself these questions: Do I consistently keep track of my spending? And do I do so weekly, monthly or annually? Do I feel that I'm OK financially as long as my checks don't bounce? Do I plan and save for big purchases or do I buy on a whim?
无法确定？问自己如下问题：我是否始终如一地跟踪自己的支出情况？我是每周、每月还是每年查一次？只要我的支票没有被退回来，我就感觉自己的财务状况还不错？我买大件商品的时候，是有计划的、并且会为此存钱，还是凭着一时冲动？

There also are online quizzes, such as J.P. Morgan Chase's 'Financial Styles' found at , that can help you determine your investing and saving profile.
网上测试也可以提供帮助，比如摩根大通(J.P. Morgan Chase) 网站上提供的“理财风格”测试。这些测试可以帮助你确定自己的投资和储蓄风格。

Once you determine your style, you can use certain strategies and tools to reinforce the positive aspects of your approach -- and contain the negative ones.
一旦确定了自己的风格，你就能用一定的战略和工具来巩固其中有利的方面，控制不利的方面。

Understanding your financial approach can help you figure out where your 'strategy is most vulnerable to pitfalls or problems,' says Hersh Shefrin, a professor of behavioral finance at Santa Clara University who helped J.P. Morgan Chase develop its quiz.
圣克拉拉大学(Santa Clara University)行为金融学教授舍夫林(Hersh Shefrin)说，弄清自己的理财方式可以帮助你认清自己的“战略在哪些地方最容易陷入陷阱或出现问题”。他帮助摩根大通开发了“财务风格”测试。

The Analytical Investor 分析型投资者

You're a stickler for details and data. And while it's good to be thorough with your research, if taken to an extreme people can forget to take their personal situation and goals into account when making financial and investment decisions.
你拘泥于细节和数据。虽然进行全面的研究是好事，但如果做得过头了，在做理财或投资决策时，就可能会忘记考虑自己的个人情况和目标。

This type of investor can get hit with what some advisers call 'analysis paralysis,' where they have trouble making decisions because they can't help thinking there is always more research to be done.
这类投资者可能会受到一些咨询人士所说的“分析瘫痪症”的打击。在这种情况下，他们难以作出决策，因为他们禁不住地会想总有更多的研究要做。

'They're what I call 'see mores' -- they always want to see more,' says Bryan Place, founder of Place Financial Advisors, a financial-planning firm in Manlius, N.Y. 'Rather than overwhelming themselves and spending too much time digging through content,' they should limit themselves to three or four reliable sources, he says.
纽约州理财公司Place Financial Advisors的创始人普雷斯(Bryan Place)说，他们就是我所说的“信息挖掘派”，他们总想知道更多的信息。普雷斯说，他们不应该让自己应付不过来、花费太多的时间在挖掘内容上，而是应该把自己限制在3到4个可靠的信息来源上。

If you have a tendency to delay acting on your financial goals, Mr. Place says, make a list of the pros and cons and give yourself a deadline to decide -- and stick to it.
普雷斯说，如果你在朝着自己的理财目标努力方面有拖延的倾向，那么就列出各种利弊，给自己设一个做出决定的最后期限，并要恪守期限。

While you may be great at budgeting, you might benefit from online expense-tracking tools offered by or financial-planning software from Quicken () that can help you distance yourself from your day-to-day transactions to recognize spending and saving trends over time.
你或许很擅长做预算，但仍可能会从网站提供的在线支出跟踪工具或Quicken提供的理财软件（网址为）中获益，它们可以帮助你避免过于关注每日的交易，而是认识到长期的支出和储蓄趋势。

At , you can build graphs that show how your spending, income, debt or net worth has changed over a specific period. You also can see changes in spending in certain categories, such as groceries.
在网站，你可以构建图表，显示某个特定时期支出、收入、负债或净资产的变化情况。你还可以察看某些方面的支出变化情况，比如在买菜上的开销。