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  • Almost 1 in 4 Americans has no emergency savings and without a cash cushion.

    幾乎每4個美國人中就有1個沒有應急儲蓄,沒有現金緩衝。

  • That's terrible because if something goes wrong, you will have to take unnecessary loans

    那就糟糕了,因為如果出了問題,你就得去借不必要的貸款。

  • and pay high interest.

    並支付高額利息。

  • Interests on credit cards are insane.

    信用卡的利息是瘋狂的。

  • They could go up 20 or even 30 percent.

    他們可能會上漲20%甚至30%。

  • You have to be a moron to pay that much interest.

    你得是個白痴才能支付那麼多的利息。

  • But even those who actually save some money reportedly said they don't have much in their

    但據報道,即使是真正省下一些錢的人,也表示自己的錢不多。

  • savings account.

    儲蓄賬戶;

  • When almost 60 percent of the population says that they have less than a thousand dollars

    當近六成的人說自己的錢不到一千塊時

  • in their savings account, you know that we have a problem because a thousand dollars

    在他們的儲蓄賬戶,你知道,我們有一個問題,因為一千美元,

  • is probably not enough to cover the rent.

    可能不足以支付租金。

  • To be honest, it is difficult to save money today because we are surrounded by so many

    說實話,今天要想省錢是很難的,因為我們身邊有太多的

  • things pushing us to spend.

    的事情推動我們去消費。

  • Even before the video started, you probably saw an ad that called you to visit their website

    甚至在視頻開始之前,你可能看到一個廣告,叫你訪問他們的網站。

  • and spend some cash.

    並花費一些現金。

  • That's not entirely bad, because spending drives the economy forward.

    這也不完全是壞事,因為消費推動了經濟的發展。

  • But we have to find some balance so that we don't find ourselves paying a 30 percent interest.

    但我們必須找到一些平衡點,這樣我們才不會發現自己要支付30%的利息。

  • People often complain that they can't save because they need to cover their basic expenses.

    人們經常抱怨自己無法儲蓄,因為他們需要支付基本的開支。

  • To these people, I want to say that Starbucks coffee is not a necessity.

    對於這些人,我想說,星巴克咖啡不是必需品。

  • You can make a coffee at home for a fraction of that price, but a 4 dollar coffee cap isn't

    你可以在家裡做一個咖啡的價格的一小部分,但4美元的咖啡蓋是不是

  • the most insane thing people waste their money on.

    最瘋狂的事情,人們浪費自己的錢。

  • There are other things that people waste a fortune that they could have saved otherwise,

    還有一些人浪費了一筆錢,本來可以省下的。

  • and this video we are going to discover 5 of them.

    而這個視頻我們將發現其中的5個。

  • Hi, Proactive thinkers!

    嗨,積極主動的思考者!

  • Before we move on.

    在我們繼續前。

  • A few words from our sponsor.

    我們的贊助商說了幾句話。

  • Number - bad habits!

    數字--壞習慣!

  • What?

    什麼?

  • How is that related to wasting or saving money?

    這與浪費或省錢有什麼關係?

  • You just have to take a look at how much people spend on alcohol, for example.

    比如說,你只要看看人們在酒上的花費是多少就可以了。

  • A fortune!

    一筆錢!

  • Twenty bucks here or 30 dollars there don't seem like much, but if you add it up over

    二十塊錢在這裡或三十塊錢在那裡似乎並不多,但如果你把它加起來,在這裡,在那裡。

  • the course of a month, it will amount to a significant number.

    在一個月的時間裡,這將是一個很大的數字。

  • According to the Bureau of Labor Statistics, Americans spend about 1 percent of their gross

    根據美國勞工統計局的數據,美國人的消費佔其總收入的1%左右。

  • annual income on alcohol.

    每年的酒類收入;

  • For the average household, that's $565 a year, $5,650 in 10 years, or a whopping $22,600

    對於普通家庭來說,每年565元,10年後為5650元,即高達22600元。

  • over 40 years.

    40多年來。

  • That doesn't seem much to some of you.

    對你們中的一些人來說,這似乎不算什麼。

  • But don't be fooled by this number.

    但不要被這個數字所矇蔽。

  • It takes into account all Americans, including those who don't drink and those who drink

    它考慮到了所有的美國人,包括那些不喝酒和喝酒的人。

  • once to twice a year.

    每年一到兩次。

  • So if you only take into account those who drink regularly, that number would be much

    所以,如果你只考慮到那些經常喝酒的人,這個數字就會大打折扣

  • higher.

    較高。

  • A few hundred dollars a month is normal for regular drinkers.

    對於經常喝酒的人來說,一個月幾百元是正常的。

  • The same goes for smoking, gambling, and other bad habits.

    吸菸、賭博等不良習慣也是如此。

  • The average cost of a pack of cigarettes is $6.28, which means a pack-a-day habit sets

    一包煙的平均成本是6.28元,也就是說,每天一包煙的習慣就會形成

  • you $188 per month or $2,292 per year.

    你每月188美元或每年2,292美元。

  • These numbers might not frighten you, but if you count the opportunity cost, you will

    這些數字可能不會嚇到你,但如果你計算機會成本,你會

  • probably get rid of these habits immediately.

    可能會立即擺脫這些習慣。

  • The opportunity cost basically means what you could have done with that money if you

    機會成本基本上是指,如果你用這筆錢可以做什麼?

  • haven't spent on drinking or smoking.

    沒有花在喝酒和抽菸上。

  • If you throw that 2292 dollars every year into an index fund with a 7 percent return,

    如果你每年把這2292元錢投進指數基金,回報率為7%。

  • with the power of compound interest, you can expect to have $489,593 in 40 years.

    在複利的力量下,你可以預期在40年內擁有489,593美元。

  • Next time before you buy that pack of a cigarette, imagine that number in your head.

    下次在你買那包煙之前,在腦子裡想象一下這個數字。

  • Especially today, investing is super easy.

    尤其是在今天,投資超級簡單。

  • You can do it with a few clicks on your phone and avoid commissions that investors had to

    在手機上點擊幾下就可以完成,避免了投資者不得不的佣金。

  • pay back in the days.

    日內還清。

  • Investing doesn't just mean the stock market.

    投資並不只是指股市。

  • You can learn a few skills here on internet and work for Tesla and make more than than

    在這裡你可以在互聯網上學習一些技能,為特斯拉工作,賺的錢比

  • you can imagine!

    你可以想象

  • You thought you need a degree to work at Tesla!?

    你以為在特斯拉工作需要學歷!?

  • Well you are wrong, at least that's what the man who runs the company said (https://bit.ly/2DdLceL).

    好吧,你錯了,至少那個開公司的人是這麼說的(https://bit.ly/2DdLceL)。

  • And if you get fired, Apple will probably hire you (https://bit.ly/3jv073H).

    而如果你被解僱了,蘋果很可能會僱用你(https://bit.ly/3jv073H)。

  • But wait a minute what kind of skills do you need to get hired by such companies?

    但是等一下,你需要什麼樣的技能才能被這樣的公司錄用呢?

  • Programming, coding, analysing and understanding data.

    編程、編碼、分析和理解數據;

  • No matter what industry you're in, learning how to analyze and understand your data is

    無論你身處哪個行業,學習如何分析和理解你的數據都是一件很重要的事情。

  • critical.

    關鍵。

  • That's why DataCamp - the sponsor of this video - provides you with the tools to learn

    這就是為什麼DataCamp--本視頻的贊助商--為你提供學習工具的原因。

  • the data science and analytics skills you need to succeed in the real world.

    您在現實世界中取得成功所需的數據科學和分析技能。

  • You want to learn a programming language such as Python or SQL.

    你想學習一門編程語言,如Python或SQL。

  • You can start with absolutely basics and move up to professional levels.

    你可以從絕對的基礎知識開始,再到專業水準。

  • You can brows by topics to find out what you want to learn.

    你可以按主題瀏覽,找到你想學習的內容。

  • Lets try applied finance.

    讓我們試試應用金融。

  • They have courses that will teach you different financial analysis that can help you with

    他們的課程會教你不同的財務分析,可以幫助你與。

  • investing.

    投資。

  • You can acquire new skills fast with more than 300 courses that combine short expert

    您可以通過300多門課程快速掌握新的技能,這些課程結合了短期的專家課程,並將這些課程的內容融入到您的生活中。

  • videos with immediate hands-on-keyboard exercises from over 250 instructors!

    250多位老師的視頻與即時的鍵盤練習!

  • All courses, exercise or projects can be completed from the comfort of your browser, so you won't

    所有的課程、練習或項目都可以在舒適的瀏覽器中完成,所以你不會有任何的壓力。

  • need to install any new software.

    需要安裝任何新軟件。

  • And the best part of it is that, if sign up to DataCamp by clicking the link in your description,

    而且最好的是,如果通過點擊描述中的鏈接註冊DataCamp。

  • you will be able to check the first chapters of any course for free!

    您將能夠免費檢查任何課程的第一章!

  • And you will be supporting us to create more videos for you.

    而您也會支持我們為您製作更多的視頻。

  • And now lets get back to the video.

    現在讓我們回到視頻。

  • Smoking is terrible, but you know what's worst than smoking.

    吸菸很可怕,但你知道什麼比吸菸更可怕嗎?

  • 2.

    2.

  • Paying high-interest rates.

    支付高額的利息。

  • Credit cards are great.

    信用卡是偉大的。

  • It's probably the best way to build your credit score and maintain it.

    這可能是建立和維持你的信用分數的最好方法。

  • It is extremely important because it will help you to get loans and lower interest.

    這是極其重要的,因為它將幫助你獲得貸款和降低利息。

  • But here is when things get terrible.

    但這裡是事情變得很糟糕的時候。

  • When you use a credit card to pay for things you cannot afford, what ends up happening

    當你用信用卡來支付你買不起的東西時,最後會發生什麼呢?

  • is that, you will not be able to cover your credit card debt at the end of the month and

    是,你將無法在月底支付你的信用卡債務,並。

  • the interest starts rolling.

    利息開始滾動。

  • Have you ever taken a look at how high credit card interest rates are?

    你有沒有看過信用卡利率有多高?

  • They could go as high as 20 or 30 percent.

    他們可能高達20%或30%。

  • The interest on your mortgage would seem like peanuts in front of credit card rates.

    在信用卡利率面前,房貸利息會顯得如同花生。

  • That might not seem like a big deal, but 41 percent of credit card users reported that

    這看起來似乎不是什麼大事,但41%的信用卡用戶報告說

  • they are failing to pay their bills on time.

    他們沒有按時支付賬單;

  • And that's what these banks are counting on.

    而這正是這些銀行的指望。

  • They want you to forget!

    他們想讓你忘記!

  • No wonder why total credit card debts have risen to almost a trillion dollars nationally.

    難怪全國的信用卡債務總額已經上升到近萬億元。

  • So don't ever get a credit if you can't control your spending habits, especially if you have

    所以,如果你不能控制自己的消費習慣,千萬不要上徵信,特別是如果你有了

  • some really bad habits.

    一些真正的壞習慣。

  • How I keep my credit card interest-free is that I know how much exactly I spend.

    我如何保持信用卡的免息,就是我知道自己到底花了多少錢。

  • I can use a debit card to pay my bills, and I have absolutely no problem with that, but

    我可以用借記卡付賬,我完全沒有問題,但是......"。

  • I use a credit card because I would rather keep building my credit score.

    我之所以使用信用卡,是因為我寧願繼續建立我的信用分數。

  • And on the last day of each month, I cover all my debt even though I might have another

    每個月的最後一天,我都會還清所有的債務,即使我可能會有另一筆錢。

  • few weeks.

    幾周。

  • If you still forget to pay your debt on time, then whenever you pay your bills or cover

    如果你還是忘了按時還債,那麼每當你支付賬單或蓋

  • your rent, make sure you include paying for your credit card simultaneously.

    你的租金,確保你包括同時支付你的信用卡。

  • One of the trends that have been rising for the last few decades is

    在過去的幾十年裡,其中一個趨勢是不斷上升的。

  • 3.

    3.

  • Fast Fashion!

    快時尚!

  • And you know what?

    你知道嗎?

  • I hate fast fashion!

    我討厭快時尚!

  • Don't get me wrong.

    別誤會我的意思

  • They do make some good clothes, and there is nothing wrong buying clothes and I personally

    他們確實做了一些好的衣服,買衣服沒有錯,我個人也很喜歡。

  • love to dress properly, I am a big fan of fashion!

    喜歡適當的穿衣打扮,我是時尚的忠實粉絲!

  • But here is the problem.

    但問題就在這裡。

  • Since the market is flooded with cheap clothes, we, on average, started buying more clothes

    由於市場上充斥著廉價的衣服,我們,平均開始購買更多的衣服。

  • than need.

    比需要。

  • Take a look at your wardrobe.

    看看你的衣櫃。

  • Do you really wear most of your clothes as often as you think?

    你的大部分衣服真的像你想象的那樣經常穿嗎?

  • I am sure that you have 2 or 3 pairs of jeans and a few t-shirts that you were every day.

    我相信,你每天都有兩三條牛仔褲和幾件T恤,你是。

  • The rest of your clothes have been lying on your wardrobe, probably for years.

    你剩下的衣服一直躺在衣櫃上,可能已經好幾年了。

  • And like everyone else, you have clothes that you never wore but you though you need them

    像其他人一樣,你有一些你從未穿過的衣服,但你覺得你需要它們

  • when you were shopping.

    當你在購物時。

  • The trend has become so popular that some people shop every week.

    這股潮流已經變得非常流行,有些人每週都會逛街。

  • That's insane!

    這是瘋了!

  • What I hate about it the most is that, just because the clothes are cheap, you end up

    我最痛恨的是,就因為衣服便宜,你最後

  • buying more clothes than you need.

    買的衣服比你需要的多。

  • The question is, why buy a lot of low-quality cheap clothes?

    問題是,為什麼要買很多低質廉價的衣服?

  • Instead, of having 10 or 20 pairs of jeans, just get yourself 2 high-quality jeans that

    與其擁有10條或20條牛仔褲,不如給自己買2條高質量的牛仔褲。

  • you will feel comfortable wearing, and you would look much better.

    你會覺得穿著舒服,你會看起來更好。

  • And you will end up spending a lot less.

    而你最終會少花很多錢。

  • That's not the worst way humanity is wasting money.

    這還不是人類最糟糕的浪費錢的方式。

  • No matter how many clothes you buy, they definitely won't harm yourself as the next thing on our

    無論你買多少衣服,它們絕對不會傷害自己,因為接下來我們的。

  • list does.

    列表確實。

  • 4.

    4.

  • Eating Garbage What?

    吃垃圾什麼?

  • Who eats garbage?

    誰吃垃圾?

  • Unfortunately, most people literally eat nothing but garbage because most of what's sold on

    不幸的是,大多數人從字面上看,除了垃圾什麼都不吃,因為大多數賣的東西都是垃圾。

  • the shelves of grocery stores is made out of harmful ingredients in many ways.

    在雜貨店的貨架上是由許多有害成分製成的。

  • And if you consider the fact that fast food has become the new norm for years already.

    而如果考慮到快餐已經成為新的常態多年。

  • You can imagine how much garbage people are eating.

    可想而知,人們吃了多少垃圾。

  • People spend most of their money on food, and there is nothing wrong with that.

    人們把大部分的錢都花在吃上,這並沒有錯。

  • But at least consume quality food that isn't harmful to your body.

    但至少要攝入對身體無害的優質食物。

  • Almost all junk food that's sold are filled with different types of sugar to boost your

    幾乎所有出售的垃圾食品都含有不同類型的糖,以提高你的

  • dopamine when you consume it and create a sense of addiction so that you come back for

    多巴胺,當你消耗它,並創造一個上癮感,所以你回來的

  • it again and again.

    它一次又一次。

  • And that's done purposefully.

    而這是有目的的。

  • So we ended up developing a habit of always eating junk food, sneakers bar, chips, or

    所以我們最後養成了一個習慣,總是吃垃圾食品,運動鞋吧,薯片,或。

  • soft drinks.

    軟飲料。

  • Some studies even say that a lot of people spend almost 90 percent of their income on

    有研究甚至說,很多人幾乎把收入的90%都花在了

  • food, which is absolutely insane!

    食物,這絕對是瘋狂的!

  • 5.

    5.

  • And lastly Unnecessary monthly subscriptions

    最後是不必要的月租費。

  • Businesses realized that it's much better to sell you a subscription that's cost a few

    商家意識到,賣給你一個訂閱,成本高得多。

  • dollars a month than a product with a few hundred dollar price tags.

    元,比起幾百元價位的產品,一個月。

  • First, you aren't going to hesitate that much since it's just 10 dollars a month, especially

    首先,你不會猶豫那麼多,因為一個月才10塊錢,特別是

  • if you enter your credit card information now.

    如果您現在輸入信用卡資訊。

  • You will get the first month for free, but later on, you will completely forget about

    你會得到第一個月的免費,但以後,你會完全忘掉。

  • it, but the company will keep charging you forever.

    但公司會一直向你收費,永遠。

  • There is nothing with getting a subscription you use or need, but when you sign up for

    獲得一個你使用或需要的訂閱沒有什麼,但當你註冊了

  • the gym but then end up visiting it once or twice a year, I don't think you need to renew

    健身房,但最後每年去一兩次,我認為你不需要續費。

  • your annual membership.

    您的年度會員。

  • 84% of Americans unaware of how much they spend on subscription services.

    84%的美國人不知道自己在訂閱服務上花了多少錢。

  • Have you realized that everything has recently turned into a subscription, music, video,

    你有沒有發現,最近所有的東西都變成了訂閱,音樂,視頻。

  • movies, apps, games, softwares?

    電影、應用、遊戲、軟體?

  • Every few months, audit your spending and get rid of these unnecessary subscriptions

    每隔幾個月,審計一下自己的消費,把這些不必要的訂閱去掉。

  • because you will end up paying a fortune for something you don't even use.

    因為你最終會花一大筆錢買一些你根本用不上的東西。

  • And that's your list of insane ways people waste the money they worked to earn with blood

    這就是你列舉的人們浪費血汗錢的瘋狂方式。

  • and sweat.

    和汗水。

  • And now it's your turn!

    現在輪到你了!

  • What would you add to this list?

    你想在這份名單上添加什麼?

  • How do you waste money?

    你是怎麼浪費錢的?

  • Let me know in the comments below.

    請在下面的評論中告訴我。

  • Other than that, make sure to give this video thumbs.

    除此之外,一定要對這個視頻豎起大拇指。

  • And hit that subscribes button if you are new around here and if you want to be notified

    如果你是新來的,如果你想得到通知,請點擊訂閱按鈕。

  • whenever we upload, hit that bell button.

    每當我們上傳的時候,按下那個鈴鐺鍵。

  • Thanks for watching and until next time.

    謝謝你的觀看,直到下一次。

Almost 1 in 4 Americans has no emergency savings and without a cash cushion.

幾乎每4個美國人中就有1個沒有應急儲蓄,沒有現金緩衝。

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自動翻譯

影片操作 你可以在這邊進行「影片」的調整,以及「字幕」的顯示

A2 初級 中文 信用卡 利息 支付 衣服 垃圾 浪費

人們浪費錢的5種瘋狂方式 (5 Insane Ways People Waste Their Money)

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影片單字