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  • Transcriber:

    記錄員:

  • Everyone's heard of the tired old adage

    每個人都聽說過這句老掉牙的諺語。

  • of paying yourself first.

    的先付自己。

  • But that saying lacks a lot of useful details.

    但這句話缺乏很多有用的細節。

  • How do you actually pay yourself first?

    你到底是怎麼先給自己錢的?

  • So today, I'll lead you through some changes you can make

    所以,今天小編就帶領大家瞭解一下你可以做出的一些改變吧

  • to improve your saving strategy.

    以改善你的儲蓄策略。

  • [Your Money and Your Mind with Wendy De La Rosa]

    [《你的金錢和你的思想與溫迪-德拉羅莎》]

  • First and foremost, you should focus on only one goal at a time.

    首先,你應該每次只關注一個目標。

  • Typically, we think about having multiple savings goals

    通常情況下,我們認為要有多個儲蓄目標。

  • for multiple things.

    為多個事情。

  • We have an emergency savings fund,

    我們有一個緊急儲蓄基金。

  • a vacation fund, a wedding fund,

    度假基金,婚禮基金。

  • a car fund ...

    車資

  • But one great study compared people's savings progress

    但有一項偉大的研究比較了人們的儲蓄進度。

  • when they had one savings goal compared to five savings goals.

    當他們有一個儲蓄目標而不是五個儲蓄目標時。

  • And it turns out that when participants had just one savings goal,

    而事實證明,當參與者只有一個儲蓄目標時。

  • they saved more than when they had five.

    他們比他們有五個人的時候存的更多。

  • The research showed that if you made progress

    研究表明,如果你取得了進步

  • in just one of your savings accounts,

    只需在您的一個儲蓄賬戶中。

  • you'd think you've made progress across all of them.

    你會認為你已經取得了進步 在所有的人。

  • Like multitasking at work,

    比如工作中的多任務處理。

  • splitting your attention across multiple savings goals

    將您的注意力分散到多個儲蓄目標上

  • just isn't efficient.

    只是效率不高。

  • Now, that's not to say

    現在,這並不是說

  • that this will be your only savings goal;

    這將是你唯一的儲蓄目標。

  • you'll have many more throughout your life.

    你會有更多的一生。

  • But I want you to think about the one thing that you want to focus on

    但我想讓你考慮一下你想關注的一件事。

  • over the next six months to a year.

    在未來六個月到一年的時間裡,。

  • Start with your emergency savings fund,

    從你的應急儲蓄基金開始。

  • even if it's 500 dollars or 600 dollars, the average cost of a car repair,

    即使是500元或600元,平均修車費用。

  • and then go from there.

    然後從那裡開始。

  • Now that you have a primary savings goal in mind,

    現在,你已經有了一個主要的儲蓄目標。

  • let's focus on helping you increase the amount that you save.

    讓我們專注於幫助你增加你的儲蓄金額。

  • Your main savings strategy should be

    你的主要儲蓄策略應該是

  • to switch from having to remember to save a small amount every month

    從每個月都要記著存一小筆錢的做法轉變為

  • to saving a percentage of your income automatically,

    到自動保存一定比例的收入。

  • any time you receive income.

    任何時候你收到收入。

  • Now, some people advise saving 10, 15 or 20 percent of your income,

    現在,有些人建議把收入的10%、15%或20%存起來。

  • but that's not important.

    但這並不重要。

  • You know your financial situation.

    你知道你的財務狀況。

  • You know how much you can manage to save.

    你知道自己能省多少錢嗎?

  • The real trick is to find a provider

    真正的訣竅是找到一個供應商

  • that lets you set up an automatic savings plan

    可以讓你設置一個自動儲蓄計劃

  • and not to have to think about it ever again.

    而不必再去想它。

  • The "set it and forget it" approach

    "定了就忘 "的做法

  • is shown to help you save more.

    顯示,幫助你節省更多。

  • Researchers believe that passive systems like this are successful,

    研究人員認為,這樣的被動系統是成功的。

  • because they work with our tendency towards inertia.

    因為它們與我們的惰性傾向相配合。

  • You don't have to manually initiate each subsequent transfer,

    您不必手動啟動每個後續的傳輸。

  • and you won't be tempted to hold back a bit

    你就不會忍氣吞聲了。

  • every time you make a savings transfer.

    每次您進行儲蓄轉賬時。

  • I want you to take the time right now to find a provider.

    我希望你現在就花時間去找一個供應商。

  • Go to your app store, download the app

    去你的應用商店,下載應用

  • and set up your automatic savings plan.

    並設置您的自動儲蓄計劃。

  • If you make these two small changes --

    如果你做了這兩個小改動 --

  • focus on just one savings goal at a time

    一次只專注於一個儲蓄目標

  • and automate your savings --

    並使您的儲蓄自動化 --

  • you should find success,

    你應該會發現成功。

  • even if you don't think you're saving that much money.

    即使你不認為你能省下那麼多錢。

  • And it's easier than it may seem.

    而這比看起來要容易得多。

  • So there you have it.

    所以,你有它。

  • We have demystified the old adage of paying yourself first.

    我們已經解開了先給自己錢的古訓。

Transcriber:

記錄員:

字幕與單字
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 TED 儲蓄 目標 自動 收入 供應商

一個簡單的兩步計劃,讓你省下更多的錢|你的金錢和你的心靈 (A simple 2-step plan for saving more money | Your Money and Your Mind)

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    林宜悉 發佈於 2021 年 03 月 03 日
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