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  • When you get your first salary of a thousand dollar!

    當你拿到第一筆千元工資的時候!

  • You feel like you are the king of the world!

    你覺得你是世界之王!

  • Finally, it's time to live independently.

    終於可以獨立生活了。

  • I am my own boss now!

    我現在是自己的老闆了!

  • That thousand buck seems a lot because a month ago, you had nothing!

    這一千塊錢看起來很多,因為一個月前,你什麼都沒有!

  • You no longer ask your mom for money to hung out, you are nowindependent.”

    你不再向媽媽要錢出去玩了,你現在 "獨立 "了。

  • Soon, you will be achieving your huge plans that you have been thinking over for years.

    很快,你就會實現你多年來一直思考的龐大計劃。

  • However, after some time you start to change, your needs begin to grow.

    然而,一段時間後,你開始改變,你的需求開始增長。

  • You no longer want to move around in public transport.

    你不再想在公共交通中移動。

  • The idea of merely being full kinda seems too simple.

    僅僅是吃飽了撐的想法似乎太簡單了。

  • Thankfully you got a promotion so now you are making 1500 dollars a month.

    感謝你得到了晉升,所以現在你一個月能賺1500元。

  • Finally, you can drink something more expensive, you can eat more often outside.

    最後,你可以喝一些更貴的東西,你可以經常在外面吃。

  • Maybe you can even take a cab instead of being lost in that crowd (metro).

    也許你甚至可以打車,而不是在那人群中迷失(地鐵)。

  • By the way, what about your phone.

    對了,你的手機呢。

  • You need Apple's flagship since your iPhone 8 is too old already, especially with a salary

    你需要蘋果的旗艦機,因為你的iPhone 8已經太老了,尤其是在工資方面

  • of 2000 dollars(another promotion), that shouldn't be a problem..

    2000美元(另一個促銷),這應該不是問題......。

  • Yes, the price tag is a little too high, and you will need to take a loan, but man; The

    是的,價格有點高,你需要貸款,但人;的。

  • applications will be a millisecond faster, the games will run a little smoother and your

    應用程序的速度會快一毫秒,遊戲運行會更流暢一些,而你的

  • 47 followers on Instagram will definitely appreciate that slightly better camera.

    47個Instagram上的追隨者肯定會感激那臺稍微好一點的相機。

  • At some point, you start to notice that your salary has doubled, but your life didn't.

    在某些時候,你開始注意到,你的工資翻了一番,但你的生活並沒有。

  • You still work in the same place, do the same thing.

    你還是在同一個地方工作,做同樣的事情。

  • You start feeling like you are not making enough.

    你開始覺得自己賺得不夠多。

  • You even start borrowing money.

    你甚至開始借錢。

  • But what's the problem?

    但有什麼問題呢?

  • You are now making more money, and yet you feel like you got poorer.

    你現在賺的錢多了,卻覺得自己更窮了。

  • You had a dream once, travel, see the world, meet different people, learn to speak a new

    你曾經有過一個夢想,旅行,看世界,認識不同的人,學習說一種新的。

  • language, dance.

    語言、舞蹈。

  • And with more money, you should have more opportunities to experience that, but it feels

    而且錢多了,應該有更多的機會去體驗,但覺得

  • the other way around.

    反過來說。

  • Maybe you should make, even more, then you will definitely be happy and realize your

    也許你應該做,甚至更多,那麼你一定會很高興,實現你的。

  • dreams.

    夢想。

  • But I want to ask you, what do you think you really need?

    但我想問你,你覺得你真正需要的是什麼?

  • More money?

    更多的錢?

  • The truth is that a successful lifestyle leads the person to an endless cycle of expenses,

    事實上,成功的生活方式會使人陷入無休止的支出循環。

  • without being able to save.

    而無法保存。

  • With a higher salary, you will buy the exact same things but a little bit more expensive.

    工資高了,你會買到完全一樣的東西,但價格會貴一點。

  • You will buy slightly better food, clothes and you will grab a cab instead of a bus.

    你會買到稍微好一點的食物、衣服,你會打車而不是坐公車。

  • That's what consumerism is all about.

    這就是消費主義的意義。

  • It's a strategy that's used by companies to drain every penny out of you!

    這是公司用來榨取你每一分錢的策略!

  • Can you answer this question honestly, how much money do you really need in a month?

    你能不能老老實實的回答這個問題,你一個月到底需要多少錢?

  • You haven't thought about that.

    你沒有想過這個問題。

  • That's precisely why a job is a modern slavery for you.

    正因為如此,工作對你來說就是一種現代的奴役。

  • However, you can use it to get your freedom!

    但是,你可以用它來獲得你的自由!

  • Before you achieve a particular goal, you must first see it!

    在你實現某個目標之前,你必須先看到它!

  • And here you have to follow the rule of 4%.

    而在這裡,你必須遵循4%的規則。

  • Whatever the amount of money you need (30K USD) divided by 4%.

    無論你需要多少錢(3萬美金)除以4%。

  • This is how much you should save.

    這是你應該存的錢。

  • The stock market grows at an average rate of 7% adjusted to inflation.

    經通貨膨脹調整後,股市的平均增長率為7%。

  • So if you invest 750K dollars, you can withdraw 30K dollars every year, and your investments

    所以,如果你投資75萬元,每年可以提取3萬元,而你的投

  • will still be growing.

    還會不斷增長。

  • That's what passive income really is.

    這才是真正的被動收入。

  • You will no longer have to live in a specific place, work in a job that you hate.

    你將不再需要住在一個特定的地方,從事一份你討厭的工作。

  • You can simply do whatever you want for the rest of your life because your passive income

    你可以簡單地做你想做的任何事情,你的餘生,因為你的被動收入。

  • has your back.

    有你的背部。

  • You can still work but only if you love it!

    你還可以工作,但前提是你要熱愛它!

  • And that's what finical FREEDOM is!

    這就是金融自由的含義!

  • So where exactly should you start!

    那麼到底應該從哪裡入手呢!

  • Step One, Track your expenses and find out how much precisely you spend!

    第一步,跟蹤你的支出,瞭解你的精確支出!

  • Step 2, figure out which categories can you optimize.

    第二步,想好自己可以優化哪些類目。

  • If you spend 150 bucks on sweets a month.

    如果你一個月花150塊錢買甜食。

  • 5 dollars here, another 7 there, they add up.

    這裡五塊錢,那裡七塊錢,它們加起來。

  • Stop that!

    別這樣!

  • Step 3, fix the amount you want to save.

    第三步,固定你要保存的金額。

  • So that you have a clear idea of how much money you spend and how much you put under

    這樣你就能清楚地知道自己花了多少錢,放了多少錢在下面

  • your pillow.

    你的枕頭。

  • Of course, you will have emergencies, but not every single month.

    當然,你會有緊急情況,但不是每個月都有。

  • Therefore, be rational.

    是以,要理性對待。

  • Now, the question is, what should you do with these savings.

    現在的問題是,你應該如何處理這些儲蓄。

  • I can see 2 options.

    我可以看到2個選擇。

  • Option 1 - You can Invest through an investment fund, which is a company that invests in hundreds

    選擇1 - 您可以通過投資基金進行投資,這是一個公司,投資於數百個項目。

  • of other companies and that's the best option for most people.

    的其他公司,這是大多數人的最佳選擇。

  • Option 2 - However, If you are willing to take it to the next level, you can create

    選項2 - 然而,如果你願意把它帶到一個新的水準,你可以創建

  • your investment portfolio where you will invest in individual companies such as google, amazon,

    你的投資組合,你將投資於個別公司,如谷歌,亞馬遜。

  • facebook.

    臉譜網。

  • I have made multiple videos on the stock market so you can check them out for further details.

    我做了多個關於股市的視頻,大家可以去看看,進一步瞭解。

  • This strategy is of course not going to make sense in the short run, but in 5 years, for

    這個策略當然在短期內是沒有意義的,但5年後,對於

  • example, you can build a stable passive income of a few thousand dollars a month and retire.

    例如,你可以建立一個穩定的每月幾千元的被動收入,然後退休。

  • It's mostly going to depend on how hard you are willing to hustle.

    這主要是要看你願意如何努力拼搏。

  • Are you going to save 20% of your income or will go hard and save 60%.

    你是要把收入的20%存起來,還是會硬著頭皮去存60%。

  • You are the one who will decide!

    你才是決定的人!

  • Consumerism or Financial freedom?!

    消費主義還是財務自由?

When you get your first salary of a thousand dollar!

當你拿到第一筆千元工資的時候!

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致富的真正真相 (The Real Truth About Getting Rich)

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    Summer 發佈於 2020 年 09 月 12 日
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