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  • (pop intro music)

  • - Poor people focus on saving

  • and rich people focus on investing.

  • You know what, don't drink that

  • Starbucks coffee in the morning.

  • Try to save a few dollars here and there.

  • Don't fly first class, fly economy.

  • Always try to save a few dollars.

  • Well, here's the thing, a penny saved

  • is still a fucking penny.

  • You're not gonna get rich by trying to save a few bucks.

  • You don't have a saving problem,

  • you have an income problem.

  • You need to earn a lot more money so you could invest.

  • You don't have a lot of cash coming in

  • and you want to have 2,000, 3,000, 5,000

  • a month in positive cash flow.

  • You need to acquire quite a substantial amount

  • of real estate in order to do that.

  • Versus a business, to make three, four, five,

  • 10,000, 20,000, it's much much easier.

  • So my recommendation, and it's just my philosophy,

  • and probably a lot of people would disagree with me,

  • is you build your business first.

  • And when your business throws off so much cash

  • and you have reinvest a lot of profits into your business

  • to grow, and it's now throwing off more cash,

  • then you take that money, that extra cash,

  • and then you can put into real estate.

  • Before you go, what I recommend is this.

  • Don't wait to buy real estate.

  • Buy real estate and wait.

  • So when is it the best time to buy real estate?

  • It's when you have so much money.

  • When you have so much cash coming in from your business.

  • Take that money, put that into real estate.

  • Because long term, if you buy right,

  • you will become very very very very wealthy.

  • I have a simple rule.

  • 100, ten, three, one.

  • It means to look at 100 deals, 100 potential investments,

  • you might break it down into 10.

  • From that 10, you will narrow down to three

  • that has got possibility.

  • And then you might do one.

  • So, for every day, that every investment comes

  • across my table, I turn down 99.9% of them.

  • I look at hundreds and hundreds

  • and hundreds of investments.

  • And I do very selectively.

  • Very selective, just a couple.

  • Do you just, anything that looks,

  • that comes across the table,

  • you see online, oh that sounds pretty good!

  • Or, if you're gonna buy a stock,

  • you fucking look at two stocks and jump into one.

  • Or you buy a piece of property.

  • Hey, that looks pretty good!

  • Hey, I look at three properties and you jump into one.

  • Again, you're not doing your research.

  • Always remember, investigate before you invest.

  • You've got to get to the first piece first.

  • Now, here's what's very very interesting.

  • I know a lot of people who do very well,

  • they don't even have a scalable business.

  • You can be very wealthy with a high income skills

  • and you make your money.

  • And you put in high return investments.

  • You could do very very well.

  • I don't believe, I truly don't believe,

  • everybody should have a scalable business.

  • It's not for everyone.

  • Not everyone is cut out for that.

  • And you don't have to be that to do very well.

  • Like, a friend of mine who is a photographer.

  • Just a photographer.

  • In Vancouver, very high end, he takes photos

  • for Jim Pattison's.

  • It's a whole team.

  • He charges a lot of money, makes six figure income a year.

  • And he started investing in real estate 20,

  • 20 some odd years ago.

  • Today he has a portfolio of about 250 units.

  • It's worth about 20, $25 million.

  • High income skills.

  • Put money aside.

  • Invest longterm.

  • 20, 30 years, he's got a huge portfolio.

  • First, you gotta know what type investor you are.

  • Are you more for growth?

  • Are you more for capital gains?

  • Are you more for security, you want dividends?

  • All that makes a difference.

  • Okay, and so I don't like stocks, personally.

  • So, I'm not a stock guy.

  • I'm a real estate guy.

  • But some people do.

  • My friends, they do very well with stocks.

  • Good for them.

  • It's not something I like.

  • I don't have control over it.

  • I don't like the fact that I put in the money,

  • I can't call the CEO and say,

  • Hey, I don't like the way you're spending

  • about this kind of expense.

  • Right, I can't control that.

  • For most people, that's good.

  • I like control, when it comes to investing.

  • I like control in terms of the finance.

  • I like control in terms of decision.

  • I like businesses.

  • I put money in businesses because I have a say.

  • I can dictate, I can have some form of control

  • of where the business could go.

  • I like real estate because I have control over tax.

  • I have control over the cash flow.

  • I have control over the appreciation.

  • A lot of different things, right?

  • I can look at these things.

  • It's slower,

  • it is more stable, so it's up to,

  • there's so many other factors.

  • So, if you're making less than $50,000 a year,

  • save what percent?

  • What percent?

  • 10%.

  • If you're making $50,000 or more,

  • but less than 200K, save %15.

  • If doing 200K or more,

  • but less than half a million, save 25%.

  • If you're doing half a million or more,

  • but less than two million, save 35%.

  • If you're doing two million or more,

  • but less than five million, save %40.

  • If you're making five million or more,

  • you should be saving at least 50%.

  • The rest, you can spend whatever you want.

  • Blow it however you want.

  • Reward yourself.

  • That's okay.

  • But you need to increase your earning ability.

  • And that's a combination of your scalable business

  • as well as your high income skills.

(pop intro music)

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A2 初級 美國腔

如何開始 - 5個新手投資技巧 (How To Get Started - 5 Tips On Investing For Beginners)

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    Capalu Yang 發佈於 2021 年 01 月 14 日
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