当贷款还清之时，你可以开始真正的财富积累过程。
Once you are debt free you can begin to accumulate real wealth.
了解这些个人品质怎样影响你的财运是财富积累过程中必不可少的部分。
Understanding how personal traits can influence your finances is an essential ingredient for building wealth.
综观国内外家庭理财的研究，家庭理财是有效地运作资金，以取得个人财富需求和积累的过程。
According to the latest research at home and abroad, family finance is the course of running capital efficiently in order to accumulate personal wealth.
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