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。