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  • How to build wealth as a teenager In March 2011, the 16-year-old Nick D'Aloisio

    少年時如何積累財富 2011年3月,16歲的尼克-達洛伊西奧。

  • launched an app called Summly that turned long news articles into short, easy to read

    推出了一款名為Summly的應用,將長篇新聞文章變成短小易讀的文章。

  • summaries.

    摘要:

  • The app instantly received over 100K downloads and attracted venture capital investments.

    該應用瞬間獲得了超過10萬的下載量,並吸引了風險投資。

  • Less than two years later, the app was acquired by Yahoo for 30 million dollars making Nick

    不到兩年,這款應用就被雅虎以3000萬美元的價格收購,使尼克?

  • D'Aloisio a millionaire before hitting 18.

    D'Aloisio在18歲之前就成了百萬富翁。

  • But not everyone gets such an opportunity to become so rich at such a young age.

    但並不是每個人都有這樣的機會,年紀輕輕就能變得如此富有。

  • However, that doesn't mean there is nothing you can do.

    然而,這並不意味著你無能為力。

  • In fact, if you make a few right financial decisions when you are still a teenager, you

    其實,如果你在還未成年的時候就做出一些正確的理財決定,你就會

  • are almost certainly going to become wealthy in your late 20s or maybe 30s.

    幾乎肯定會在20多歲或30多歲時成為富翁。

  • While it's difficult to imagine yourself hitting 30 when you are just 15 years old, trust me,

    雖然很難想象自己才15歲就到了30歲,但相信我。

  • it's going to happen much sooner than you think, and building wealth later is much more

    它的發生比你想象的要快得多,而以後的財富積累要比你想象的要多得多。

  • difficult.

    困難的。

  • Because now you don't have all of these expenses that adults usually have, such as paying rent,

    因為現在你沒有這些成年人通常都有的支出,比如交房租。

  • buying groceries, and so on.

    買菜等。

  • The moment you step into a life where you have to pay the rent and feed yourself, there

    當你步入要交房租、要養活自己的生活的那一刻,有

  • is no going back.

    是沒有回頭路的。

  • You will automatically have fixed expenses that you cant get rid of.

    你會自動有固定的開支,你無法擺脫。

  • By the way, I have a confession to make when I was like 15 years old.

    順便說一下,我有一個懺悔,當我像15歲。

  • I had no idea what the stock market is.

    我不知道股市是什麼。

  • I have heard about it in the news, I have heard people talking about it, but I literally

    我在新聞裡聽說過,我也聽人說過,但我真的

  • had no idea what is it and how does it work.

    不知道它是什麼,它是如何工作的。

  • So if you are watching this video as a teenager, I am jealous.

    所以,如果你是在少年時期看這個視頻,我很嫉妒。

  • I wish I was smart enough to learn about investing when I was 15 years old.

    我希望自己足夠聰明,在15歲的時候就能學會投資。

  • To make this video, I asked myself, what are the things I wish I knew when I was a teenager?

    為了製作這個視頻,我問自己,我希望自己在少年時知道的事情有哪些?

  • What are the different financial decisions I would have taken?

    我會做出哪些不同的財務決定?

  • How would I start building wealth if I would be 14,15 or 16 years old?

    如果我會在14、15、16歲的時候,如何開始積累財富?

  • If you are a teenager watching this video, this is probably going to be one of the most

    如果你是一個青少年,看這個視頻,這可能會是一個最。

  • important things you will learn, even if you are slightly elder.

    重要的東西,你會學到的,即使你稍微年長。

  • I am sure this information can help you as well.

    相信這些資訊也能幫到你。

  • So if you are ready, give this video a thumbs up, and let's get right into it!

    所以,如果你準備好了,請對這個視頻豎起大拇指,讓我們馬上開始吧!

  • 
 


  • compound interest is the best tool on your arsenal

    複利是你武器庫中最好的工具。

  • The most powerful tool as a teenager you have is compound interest.

    作為一個青少年,你最有力的工具就是複利。

  • If you don't take advantage out of it, you are literally wasting your teenage years.

    如果你不利用出來,你就真的是在浪費你的青春年華。

  • If you don't know what compound interest is and how it can help you, don't worry!

    如果你不知道什麼是複利,也不知道複利對你有什麼幫助,別擔心!

  • Because I also didn't know that when I was a teenager.

    因為我也不知道,當我還是少年的時候。

  • Consider this simple example, If you were given a choice between taking 3 million dollars

    舉個簡單的例子,如果讓你選擇拿300萬美金

  • in cash this very moment or a single penny that doubles every day for the next 31 days?

    此刻的現金,還是未來31天每天翻倍的單筆錢?

  • Which one would you choose?

    你會選擇哪一個?

  • At first glance, it seems like choosing the million dollars is the wisest option, but

    乍一看,似乎選擇百萬元是最明智的選擇,但。

  • if you take a moment and think about it, you will realize that a penny that doubles for

    如果你花點時間想一想,你就會意識到,一分錢,雙倍的是

  • the next 31 days is a far better choice.

    未來31天是一個更好的選擇。

  • In the first five days, the penny that doubles every day turns into a single dollar.

    在前五天,每天翻倍的一分錢變成了一元錢。

  • By the 10th day, it increases to 5.12 dollars.

    到了第10天,增加到5.12元。

  • Even within the next 10 days, by the day 20th, you are going to get only $5243.

    即使在未來10天內,到20日這一天,你也只能拿到5243元。

  • If you have chosen the penny, you probably regret it because you are only getting a little

    如果你選擇了一分錢,你可能會後悔,因為你只得到了一點錢。

  • over 5K instead of the 3 million dollars that could instantly change your life.

    超過5千美元,而不是可能瞬間改變你生活的300萬美元。

  • But if you would give it a little more time, that amount would increase to over 10,737,418

    但如果你再給它一點時間,這個數額將增加到10,737,418美元以上。

  • dollars by the 31st day.

    元,在31日之前。

  • Even on the day 29th, it would only grow to 2.7 million dollars.

    即使在29日當天,也只能增長到270萬元。

  • The biggest difference happens in the last two days.

    最大的差別發生在最後兩天。

  • So, if you start investing while you are still 15 years old, you can rip the rewards of the

    所以,如果你還在15歲的時候就開始投資,你就可以撕開獎勵的。

  • compound interest and become ultra-rich by the time you are 30, for example.

    複利,並在30歲時成為超有錢人,比如。

  • But because you are not going to see any significant progress in the first year or so as it is

    但因為你在第一年左右的時間裡,不會看到任何明顯的進步,因為它是。

  • with the penny in its first 20 days, most people don't start early.

    與筆者在前20天,大多數人不早開始。

  • Of course, you can't start investing if you are under 18, but you can open a custodial

    當然,如果你未滿18歲,是不能開始投資的,但是你可以開一個託管的。

  • account.

    帳戶。

  • That means an adult -- most likely one of your parents -- must open the account with

    這意味著必須由一個成年人--很可能是你的父母之一--來開立賬戶。

  • you and be the custodian, and you can start investing.

    你和做保管員,你就可以開始投資了。

  • Of course, it's risky because, as a teenager, you probably don't know much about the stock

    當然,這是有風險的,因為,作為一個青少年,你可能對股票瞭解不多

  • market, but you don't have to.

    市場,但你不必。

  • I would just invest every penny I would save into an ETF that invests in the S&P500.

    我只想把每一分錢都存進投資於標普500的ETF中。

  • Whatever happens, I can be confident that my money isn't going to Go away, and most

    無論發生什麼事,我都可以放心,我的錢是不會消失的,而且最重要的是...

  • importantly, it's going to grow.

    重要的是,它的成長。

  • I am not gonna touch that money at all, not to buy a car or anything else.

    我根本不會去碰那些錢,不是為了買車,也不是為了別的什麼。

  • I would just let it grow and build wealth.

    我只會讓它成長,積累財富。

  • And with the power of compounding, once I am an adult, I would have some real wealth.

    而藉助複利的力量,一旦我成年,就會擁有一些真正的財富。

  • 2.

    2.

  • Number 2: don't spend money

    第二條:不要花錢

  • I know that sounds weird, but you literally can avoid 99% of the expenses that adults

    我知道這聽起來很奇怪,但你可以從字面上避免99%的費用,成年人的。

  • usually have.

    通常有。

  • Do you need a roof over your head?

    你需要一個屋頂嗎?

  • Just keep living with your parents

    和你父母一起生活吧!

  • Do you want to eat?

    你想吃嗎?

  • Eat at home, and you don't even have to cook

    在家吃飯,甚至不用做飯!

  • Of course, there are exceptions, but if you are watching this video from a first or second

    當然,也有例外,但如果你是第一次或第二次看這個視頻的時候

  • world country, which should be the case according to YouTube statistics, then you are most likely

    世界國家,根據YouTube的統計,應該是這樣的,那麼你很可能是

  • able to do that.

    能夠做到這一點。

  • Once you grow up and you have responsibilities, it's much more difficult.

    一旦你長大了,你有了責任,就更難了。

  • Trust me.

    相信我吧

  • If you haven't tried living alone and paying all the bills by yourself, you will never

    如果你沒有試過一個人生活,自己支付所有的賬單,你永遠不會

  • understand it!

    明白了

  • So take my word!

    所以請相信我的話!

  • Once you start a family and have kids, saving money will become a dream that you will not

    一旦你成家立業,有了孩子,存錢就會成為你的夢想,你不會

  • most likely achieve!

    大概率實現

  • So save every penny you can while you have the opportunity and invest it in an ETF of

    所以,趁著機會,要節約每一分錢,投資於ETF,投資於

  • your choice.

    你的選擇。

  • And for god's sake, when you hit 18, 19, or 20, don't use that money to buy a car!

    看在上帝的份上,當你到了18、19、20歲的時候,不要用這些錢去買車!

  • Because getting a car means, a lot of monthly expenses!

    因為買車就意味著,每個月的支出很多!

  • Every dollar that you spend on maintaining that car could be invested, and with the power

    你花在保養那輛車上的每一分錢都可能是投資,而隨著權力的增大

  • of compound interest, could grow significantly!

    的複利,可以大幅增長!

  • But in order to save, you have to make money!

    但要想存錢,就得賺錢!

  • If your parents are giving you pocket money, good for you!

    如果你的父母給你零花錢,那就好辦了!

  • If not, as it was in my case!

    如果沒有,就像我的情況一樣!

  • Then 3.

    那就3個吧

  • Try making money When you don't have any skills, it's really

    試著賺錢吧 當你沒有任何技術的時候,真的是

  • difficult to make money because all you can do is get a low paying job.

    賺錢難,因為你能做的就是找一份低薪的工作。

  • But when you are a teenager, you can afford to take the risk.

    但當你是一個少年,你可以承擔風險。

  • If you end up failing, no one really cares.

    如果你最終失敗了,沒有人真正關心。

  • You are a teenager.

    你是一個少年。

  • No one expects you to build a successful company when you are just 16 years old!

    沒有人指望你在只有16歲的時候就能建立一個成功的公司!

  • And you know what!

    你知道嗎?

  • You still have a roof over your head because you are living with your parents and you don't

    你仍然有一個屋頂在你的頭上,因為你住在你的父母,你不

  • have to worry about what you are going to eat because you can always eat at home!

    不用擔心吃什麼,因為你可以隨時在家裡吃!

  • So if you are a gamer, try steaming.

    所以,如果你是一個遊戲玩家,不妨試試蒸煮。

  • Maybe make YouTube videos.

    也許做YouTube視頻。

  • Open a Fiverr account and find out if you can offer any services.

    開設一個Fiverr賬戶,瞭解自己是否可以提供任何服務。

  • Try door to door selling.

    試試上門推銷。

  • Try to sell something online.

    試著在網上賣東西。

  • If you have got a better idea, try it!

    如果你有更好的想法,不妨試試吧!

  • The best time to try is when you are a teenager!

    最佳的嘗試時間是在你十幾歲的時候!

  • You will never have such an opportunity again!

    你再也不會有這樣的機會了!

  • Don't think about failure!

    不要想著失敗!

  • If you succeed, good for you.

    如果你成功了,對你有好處。

  • If you don't, it doesn't matter!

    如果你沒有,那也無所謂!

  • I remember helping people fixing their computers back when YouTube wasn't a thing, you couldn't

    我記得我幫別人修電腦的時候,YouTube還沒有出現,你不能... ...

  • simply watch a YouTube video to find out how to fix your computer.

    只需觀看YouTube視頻,即可瞭解如何修復電腦。

  • Especially now, with all of these opportunities, as long as you have access to internet, you

    尤其是現在,有了這些機會,只要你能上網,你就會

  • have no excuses!

    無可厚非

  • 4.

    4.

  • Keep learning.

    繼續學習。

  • As a teenager, especially when you are 17 or 18 years old.

    作為一個少年,尤其是在你十七八歲的時候。

  • You think that you have figured everything out!

    你以為你已經想通了一切!

  • Trust me.

    相信我吧

  • You haven't!

    你沒有!

  • You are thinking like that because of how little you know about everything, so make

    你之所以這樣想,是因為你對一切都不瞭解,所以使

  • learning your first priority!

    學習是你的首要任務

  • Don't assume you know about everything about money just because you could earn a few hundred

    不要因為你能賺到幾百塊錢,就認為你對金錢的一切都很瞭解。

  • dollars.

    美元。

  • Don't hesitate to take a piece of advice from someone older than you, don't assume you have

    不要猶豫不決,不要以為比你年長的人給你的建議,不要以為你有。

  • figured everything out just because you watched a YouTube video.

    想通了一切,只是因為你看了一個YouTube視頻。

  • 5.

    5.

  • Get yourself ready once an opportunity strikes.

    一旦機會來臨,讓自己做好準備。

  • You probably already have heard that most of the money is made during crises, but it's

    你可能已經聽說過,大部分的錢都是在危機期間賺的,但這是

  • not made by random people but rather by those who were getting ready for such an opportunity

    不是隨便做的,而是那些準備迎接這樣的機會的人做的。

  • years ago.

    幾年前。

  • Those who saved enough money and understood how the economy works made a fortune in 2020.

    那些攢夠了錢,明白了經濟運行方式的人,在2020年發了大財。

  • Others built their fortunes during the crypto crisis, or during the real estate crash.

    其他人則在加密危機期間,或在房地產崩盤期間建立了自己的財富。

  • So, if you are not seeing instant progress now, don't worry.

    所以,如果你現在沒有看到即時的進展,不要擔心。

  • Just keep hustling.

    繼續努力吧。

  • Your time will come, be ready for it!

    你的時代即將到來,做好準備吧!

  • Building wealth is great.

    積累財富是偉大的。

  • Investing, build businesses is, of course, awesome!

    投資,建企業當然是厲害了!

  • But it doesn't worth it if you are not going to have fun.

    但如果你不打算玩,那就不值得了。

  • Make sure to have fun along the way, especially when you are a teenager.

    一路走來一定要開心,尤其是當你還是個少年的時候。

  • You are not going to be a teenager again, so don't miss this opportunity to create some

    你不會再是一個少年,所以不要錯過這個機會,創造一些。

  • unforgettable memories.

    難忘的記憶。

  • Anyways, give this video a thumbs up if you have found it helpful, and remember that you

    總之,如果你覺得這個視頻對你有幫助的話,請豎起大拇指,記住,你

  • can get two free stocks from Webull if you open an account and deposit 100 bucks.

    可以得到兩個免費的股票從Webull,如果你打開一個帳戶和存款100塊錢。

  • Make sure to subscribe if you are new around

    如果你是新來的,請務必訂閱。

  • here and turn on your notifications.

    在這裡,打開你的通知。

  • Thanks for watching and until next time. 


    感謝您的觀看,直到下一次。

How to build wealth as a teenager In March 2011, the 16-year-old Nick D'Aloisio

少年時如何積累財富 2011年3月,16歲的尼克-達洛伊西奧。

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A2 初級 中文 少年 投資 財富 視頻 機會 選擇

2021年青少年如何積累財富(成為百萬富翁)。 (How To Build Wealth as a Teenager in 2021 (To Become a Millionaire))

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    Summer 發佈於 2021 年 01 月 21 日
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