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  • The 20s are probably the best years of your life.

    20多歲可能是你一生中最美好的時光。

  • This is when you are introduced to the real world after being a terrible teenager for

    這時,你在成為一個糟糕的青少年之後,被引入到現實世界。

  • years.

    年。

  • In the next few years, you are going to figure out what you are going to do with the rest

    在接下來的幾年裡,你要弄清楚你要用剩下的錢做什麼。

  • of your life.

    你的生活。

  • Most people end up ruining their 20s by making horrible financial decisions that will bear

    大多數人最終會因為做出可怕的財務決定而毀掉他們的20歲,而這些決定將承擔

  • on their shoulders for many decades to come, such as student debt, although most people

    在未來的幾十年裡,他們的肩上都會揹負著諸如學生債務等問題,儘管大多數人

  • take it when they are still teenagers.

    在他們還是青少年的時候就採取這種做法。

  • Looking back at my life, I knew very little about money because I grew up in a family

    回顧我的生活,我對金錢知之甚少,因為我是在一個家庭中長大的。

  • where my parents didn't care about financial literacy, so I grew knowing very little about

    我的父母並不關心金融知識,所以我在成長過程中對金融知識知之甚少。

  • money.

    錢。

  • All they cared about were my grades at school.

    他們所關心的是我在學校的成績。

  • Guess what happened?

    你猜發生了什麼?

  • I made every financial mistake you can think about?

    我犯了你能想到的所有財務錯誤?

  • I was naive, and I thought that I am know everything there is to know about money.

    我很天真,我以為我知道關於錢的一切。

  • You can't blame me because no one taught me anything about money, I had to figure everything

    你不能責怪我,因為沒有人教我關於金錢的任何東西,我必須自己想辦法。

  • on my own.

    在我自己身上。

  • There wasn't even such a channel like proactive thinker that would teach me everything I need

    甚至沒有像主動思考者這樣的管道,可以教我所需要的一切

  • to know about money.

    要了解金錢。

  • I was on my own, but if I would go back in time, there are a few things I wish I knew.

    我是靠自己,但如果我想回到過去,有幾件事我希望我知道。

  • If I knew these things, I would take different financial decisions, and I guess I would have

    如果我知道這些事情,我將採取不同的財務決定,我想我將有

  • become financially free much sooner.

    更快地實現財務自由。

  • So if you are in your 20s or even a teenager, I think what I am about to share with you

    是以,如果你是20多歲,甚至是青少年,我想我要和你分享的是

  • is going to be extremely helpful because it's not like when you hit a certain age, you suddenly

    這將是非常有幫助的,因為它不像當你到了某個年齡,你突然

  • get better at managing money

    更好地管理金錢。

  • Aren't there 40 or 50-year-olds who are still doing terrible financially?

    不是有40或50歲的人在經濟上仍然做得很糟糕嗎?

  • that's why pay attention because what you are about to learn might be the most important

    這就是為什麼要注意,因為你將要學習的東西可能是最重要的。

  • thing you will ever learn.

    你將會學到的東西。

  • so give this video a thumbs up, and let's get right into it

    是以,請為這段視頻豎起大拇指,並讓我們直接進入正題。

  • Don't try to do everything on your own 

    不要試圖自己做所有事情

  • Back then, I use to think that I can do everything on my own.

    那時,我常想,我可以靠自己的力量做一切事情。

  • Why do I need a partner when I can outwork everyone?

    既然我可以勝過所有人,為什麼還需要一個夥伴呢?

  • But the reality is, having a partner in any project is going to save a lot of time and

    但現實是,在任何項目中擁有一個合作伙伴,將節省大量的時間和精力。

  • mistakes because you always need a co-funder to balance you out.

    錯誤,因為你總是需要一個共同出資人來平衡你。

  • It doesn't matter whether it is a startup, a small business, a YouTube channel.

    無論是初創企業、小企業,還是YouTube頻道,這都不重要。

  • If you can get a partner who is equally interested in that project, work together

    如果你能找到一個對該項目同樣感興趣的夥伴,那就一起合作吧!

  • Yes, of course, you will have to share the profits or the business, but it's better to

    是的,當然,你將不得不分享利潤或業務,但最好是

  • share a huge pie rather than having a small little pie by yourself

    分享一個巨大的餡餅,而不是一個人吃一個小的小餡餅。

  • No matter how smart or talented you are, you are not perfect, especially in your 20s.

    無論你多麼聰明或有才華,你都不是完美的,特別是在你20多歲的時候。

  • You are guaranteed to make a lot of mistakes, so you always need someone besides you to

    你保證會犯很多錯誤,所以你總是需要除了你之外的人去

  • tell you that you are wrong, and vice versa, of course.

    告訴你,你是錯的,當然,反之亦然。

  • Every project that I have started with a co-founder has always grown much faster than any project

    我與聯合創始人一起開始的每一個項目,總是比任何項目的增長速度快得多。

  • that I did on my own.

    這是我自己做的。

  • So don't be selfish and learn how to work with teams.

    所以不要自私,要學會如何與團隊合作。

  • Remember, you are still a kid, and your knowledge is very limited, so always be open to take

    記住,你仍然是個孩子,你的知識非常有限,所以要始終保持開放的態度,以採取

  • a look at the opposite side.

    看看對面的情況。

  • Of course, you could be right, but you also could be wrong, and being open-minded is going

    當然,你可能是對的,但你也可能是錯的,心胸開闊就是要

  • to save you a lot of money and time.

    以節省你的大量金錢和時間。

  • 
 2.

    2.

  • DON'T BE NAIVE

    不要太天真

  • If there is one thing I would tell my younger self is - don't be naive.

    如果有一件事我想告訴我年輕的自己,那就是--不要天真。

  • When you are a 20-year-old college kid, you think that you have figured everything out.

    當你是一個20歲的大學生,你認為你已經想通了一切。

  • You make all these plans only to grow a little up and realize how naive you were and that

    你制定了所有這些計劃,但當你長大一點,意識到你是多麼的天真和

  • the world works in a completely different way.

    世界以一種完全不同的方式運作。

  • Or just because you work hard, you think you deserve more, but when you grow up, you realize

    或者只是因為你努力工作,你認為你應該得到更多,但當你長大後,你發現

  • that no one cares about how hard you work.

    沒有人關心你的工作有多努力。

  • What matters at the end of the day is the final outcome

    最後重要的是最後的結果。

  • No one really cares about your grades.

    沒有人真正關心你的成績。

  • Once you are out there in the workplace, what matters how much you can help the company

    一旦你在外面的工作場所,重要的是你能給公司帶來多大的幫助

  • grow, your grades are the least important thing.

    增長,你的成績是最不重要的事情。

  • I remember how my friends use to take loans just to buy a cool car because that will get

    我記得我的朋友們是如何通過貸款來購買一輛很酷的汽車的,因為那會讓他們的生活變得更美好。

  • them the girls

    他們是女孩。

  • I am not sure how naive you have to be to think like that

    我不知道你要多天真才會有這樣的想法。

  • Maybe there is a small number of girls who would hang out with you just because you a

    也許有一小部分女孩會和你一起玩,只是因為你是一個人。

  • cool car, even if you shouldn't hang out with such girls because all they want at the end

    酷車,即使你不應該和這樣的女孩混在一起,因為她們最後想要的只是

  • of the day is to drain the last dollar out of you

    這一天是為了從你身上榨取最後一美元。

  • All these naive perceptions push you to take horrible financial decisions and unnecessary

    所有這些天真的看法促使你做出可怕的財務決定和不必要的

  • financial responsibilities, which brings me to point number 3.

    財務責任,這使我想到第3點。

  • 
 3.

    3.

  • Don't take a financial responsibility you can't afford

    不要承擔你無法承擔的財務責任

  • I have many friends who fell in love in their 20s, got married, and already have kids that

    我有很多朋友在20多歲時就戀愛了,結婚了,並且已經有了孩子。

  • go to school.

    上學。

  • Whenever I talk to them, I really feel old because I don't have kids, neither am I married.

    每當我和他們交談時,我真的覺得自己老了,因為我沒有孩子,也沒有結婚。

  •  But the problem was that they were not ready for that financially, so right now, they can't

    但問題是,他們在財務上還沒有準備好,所以現在,他們不能

  • save money even though they are no longer in their 20s, but because they have kids and

    即使他們不再是20多歲,但由於他們有了孩子,也會省錢。

  • a family to support, every penny they earn goes directly To their day-to-day expenses,

    他們要養家餬口,賺的每一分錢都直接用於他們的日常開支。

  • and they can't suddenly get rid of their kids and wives

    而且他們不能突然擺脫他們的孩子和妻子。

  • And because they have so many responsibilities,

    而且因為他們有這麼多的責任。

  • the idea of losing that job freaks them out because they might be able to cut some of

    失去這份工作的想法讓他們感到害怕,因為他們可能會削減一些

  • their expenses, but they can't sacrifice their families for that, so they stick to that job

    他們的開支,但他們不能為此犧牲自己的家庭,所以他們堅持這個工作。

  • with their lives and are ready to do everything to keep it.

    與他們的生活,並準備做一切事情來保持它。

  • They literally pushed themselves into a corner, and now they will probably never leave it

    他們實際上是把自己推到了一個角落裡,現在他們可能永遠不會離開這個角落了。

  • for the rest of their lives.

    為他們的餘生。

  • They are forever trapped in that paycheck to paycheck lifestyle.

    他們永遠被困在那種拿工資的生活方式中。

  • When you have a job, your career moves slowly.

    當你有一份工作時,你的事業發展緩慢。

  • You don't get promoted every day.

    你不可能每天都得到晉升。

  • You don't even get promoted every year, so whenever you get that little promotion, you

    你甚至不是每年都能得到晉升,所以每當你得到那個小小的晉升時,你

  • slightly improve the quality of your life, which means you start spending more.

    稍微提高你的生活品質,這意味著你開始花費更多。

  • And if god forbid you overuse that credit card, you will spend your entire life just

    如果上帝不允許你過度使用那張信用卡,你將會花上你的整個生命。

  • trying to pay your bills.

    試圖支付你的賬單。

  • So think twice before you commit to any serious financial responsibility.

    是以,在你承諾承擔任何嚴重的財務責任之前,請三思。

  • 
 


  • 
 4.

    4.

  • stay away from money wastersOne of the worst things you can ever do is

    遠離浪費金錢的人 你能做的最糟糕的事情之一就是

  • develop a bad and expensive habit, especially when you are a 20-year-old kid who isn't making

    養成一個壞的和昂貴的習慣,特別是當你是一個20歲的孩子,沒有賺到錢的時候。

  • a lot of money.

    一大筆錢。

  • First of all, all the extra money you suppose to save and invest, you are going to waste

    首先,所有你認為可以保存和投資的額外資金,你都將被浪費掉。

  • on another pack of cigars, alcohol or gambling, or whatever is your bad expensive habit is.

    在另一包雪茄、酒精或賭博,或任何你的昂貴壞習慣上。

  • Number two, the opportunity cost of that habit is far bigger than you can possibly imagine

    第二,這種習慣的機會成本遠比你想象的要大。

  • An opportunity cost simply means how much that money would worth if you have invested

    機會成本只是意味著如果你投資,這些錢會值多少錢?

  • it otherwise.

    否則,它就會被淘汰。

  • A pack of cigarettes costs around 7 bucks and lets you are a regular smoker, and you

    一包煙的價格約為7美元,如果你是一個經常吸菸的人,你

  • smoke a pack a day.

    每天抽一包煙。

  • That's 210 dollars a month.

    那就是每月210美元。

  • Let's say you start smoking when you turn 18,

    比方說,你在18歲時開始吸菸。

  • If you instead invest that money in the sp500, for example, assuming you will make a 10 percent

    例如,如果你將這筆錢投資於sp500,假設你將賺取10%的收益

  • rate of return, your portfolio will turn into 1.2 million dollars by the time you hit 58.

    的回報率,你的投資組合在你58歲時將變成120萬美元。

  • The question is, what's better?

    問題是,什麼是更好的?

  • Damaged lungs that you have to spend a fortune to recover when you are in your late 50s.

    損壞的肺部,當你50多歲的時候還得花一大筆錢來恢復。

  • In fact, you will never probably entirely recover them no matter how much you spend

    事實上,無論你花多少錢,你都不可能完全恢復它們。

  • or 1.2 million dollars of assets?

    或120萬美元的資產?

  • I think the latter is a far better option!

    我認為後者是一個好得多的選擇。

  • Of course, if you are a billionaire, you shouldn't care, but you also shouldn't even watch this

    當然,如果你是一個億萬富翁,你不應該關心,但你也不應該看這個。

  • video.

    視頻。

  • 
 5.

    5.

  • You do not need a lot of money to have fun.

    你不需要很多錢來獲得樂趣。

  • We always think that we need to spend money

    我們總是認為我們需要花錢

  • to have fun.

    來獲得樂趣。

  • While there is some truth to it, but that's not the entire story.

    雖然有一些事實,但這並不是故事的全部。

  • Renting a yacht with friends, throwing a huge party or traveling the world while staying

    與朋友們一起租一艘遊艇,舉辦一個巨大的派對,或在逗留期間環遊世界。

  • in expensive hotels is fun, but there are also plenty of ways to have fun without wasting

    在昂貴的酒店是有趣的,但也有很多方法可以在不浪費的情況下獲得樂趣。

  • a fortune, like going for a drink with friends, traveling the world, and staying in cheap

    財富,比如和朋友一起去喝酒,環遊世界,住在便宜的地方。

  • Airbnb flats, or playing basketball or soccer with friends.

    Airbnb公寓,或與朋友打籃球或踢足球。

  • It could be whatever.

    它可以是任何東西。

  • Some of the best ways I have ever had fun were the times I spent the least amount of

    我有過的一些最好的方式是我花最少的時間來獲得樂趣。

  • money

    錢。

  • In fact it's not about the money, but rather about the experience you get, how you feel

    事實上,這不是錢的問題,而是你得到的經驗,你的感覺。

  • when doing what you are doing.

    當做你正在做的事情。

  • Especially if you have really good friends, then you can have all the fun in the world

    特別是如果你有真正的好朋友,那麼你可以擁有世界上所有的樂趣。

  • and barely waste any money.

    而且幾乎沒有浪費任何金錢。

  • Remember the opportunity cost we have talked about?

    還記得我們談過的機會成本嗎?

  • Even if you can afford to spend a lot of money to have fun, don't!

    即使你有能力花很多錢去玩,也不要!

  • You should rather Invest that money!

    你應該把這些錢用於投資!

  • Remember that as you get older, your expenses will rise!

    請記住,隨著你年齡的增長,你的開支也會增加。

  • So having more money later in your life is a wiser option!

    是以,在人生的後期擁有更多的錢是一個更明智的選擇!

  • I don't mean that you shouldn't spend anything, there is no point in just keeping money in

    我的意思不是說你不應該花任何東西,沒有必要只把錢放在那裡。

  • your bank account, but you also have to be responsible for what you have.

    你的銀行賬戶,但你也必須對你擁有的東西負責。

  • 
 


  • There are more points I wanted to include in this video, but I will limit them to 5

    我想在這個視頻中包括更多的觀點,但我將把它們限制在5個方面

  • points.

    點。

  • If Guys find this video interesting and helpful, I will definitely make part 2.

    如果大家覺得這個視頻很有趣,很有幫助,我一定會做第二部分。

  • Anyways, If you have enjoyed this video, you

    總之,如果你喜歡這個視頻,你可以

  • will most definitely enjoy this custom playlist that I have created specifically for you that

    你一定會喜歡我專門為你創建的這個定製播放列表。

  • has our most popular videos on business, investing, and the stock market that can potentially

    有我們最受歡迎的商業、投資和股票市場的視頻,有可能是

  • change your life.

    改變你的生活。

  • And now give this video the thumbs up that it deserves, and make sure to subscribe if

    現在給這個視頻豎起應有的大拇指,並確保訂閱,如果

  • you haven't done that yet.

    你還沒有做到這一點。

  • Thanks for watching and until next. 


    謝謝你的觀看,直到下一次。

The 20s are probably the best years of your life.

20多歲可能是你一生中最美好的時光。

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A2 初級 中文 財務 金錢 天真 投資 樂趣 承擔

我希望我在20歲時知道的5條金錢規則 (5 Rules of Money I Wish I Knew at 20)

  • 42 3
    Summer 發佈於 2021 年 05 月 01 日
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