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  • 63 percent of Americans have been living paycheck to paycheck since the Covid pandemic started.

    自科威德大流行開始以來,63%的美國人一直在靠工資生活。

  • The ratio wasn't that different before the pandemic, where over 60 percent of Americans

    在大流行之前,這個比例並沒有什麼不同,超過60%的美國人

  • did not have an extra thousand dollars in case of an emergency.

    沒有多餘的一千美元以備不時之需。

  • And that's not because people don't want to save but rather because they are in that desperate

    而這並不是因為人們不想儲蓄,而是因為他們處於那種絕望的狀態。

  • financial situation where they have no other option, especially the young people.

    他們沒有其他選擇的財務狀況,特別是年輕人。

  • You get out of college, and you already have a huge burden on your shoulders (student debt)

    你從大學畢業後,你的肩上已經有了一個巨大的負擔(學生債務)。

  • that will most likely keep you in that poor financial position, no matter how hard you

    這很可能會使你處於貧窮的財務狀況,無論你如何努力

  • work.

    工作。

  • A student debt, some credit card debts, maybe a car loan if you purchased a car while you

    學生債務,一些信用卡債務,也許是汽車貸款,如果你購買了一輛汽車,而你卻沒有購買。

  • are still in college.

    仍在讀大學。

  • The question is, how are you suppose to build wealth when every passing day that you are

    問題是,當你每過一天,你就會發現你是如何創造財富的?

  • not paying your debts, your debts are growing.

    不支付你的債務,你的債務就會增加。

  • And if 2020 taught us something, nothing is guaranteed.

    如果說2020年教會了我們什麼,那麼沒有什麼是可以保證的。

  • You can graduate with a 200K dollar degree and yet you won't find a job because the world

    你可以在畢業時獲得20萬美元的學位,但你卻找不到工作,因為這個世界

  • is changing.

    正在發生變化。

  • Even if you work hard enough to pay all of your debts, you are probably going to have

    即使你足夠努力工作來償還所有的債務,你也可能會有

  • a family and kids and a mortgage by then, which means more financial responsibilities

    到那時,有了家庭和孩子,有了抵押貸款,這意味著更多的財務責任

  • and less savings.

    和更少的儲蓄。

  • It seems like the system is designed in such a way to lock you in that position where you

    似乎該系統的設計方式是將你鎖定在那個位置上,你

  • have no other choice but to keep working your entire life.

    沒有其他選擇,只能繼續工作一輩子。

  • You see, when you are a kid.

    你看,當你還是個孩子的時候。

  • You are not much worried about that because you have to go to school, then to college,

    你並不怎麼擔心,因為你必須去上學,然後去上大學。

  • and you imagine that once you graduate, everything will be sorted out

    而你想象一旦你畢業,一切都會得到解決。

  • You will find a good job, and that will be the end of your financial miseries; however,

    你會找到一份好的工作,這將是你財務困境的結束;然而。

  • once you graduate and find yourself in that workplace, you understand that was just wishful

    一旦你畢業,發現自己在工作場所,你就會明白這只是你的一廂情願。

  • thinking.

    思考。

  • That's why here in this video, we will find out how to break that system?

    這就是為什麼在這個視頻中,我們將找出如何打破這個系統?

  • How to get out of the rat race?

    如何擺脫老鼠的競爭?

  • How to start building wealth?

    如何開始積累財富?

  • And what is the 5/25 Rule?

    那麼什麼是5/25規則呢?

  • So give this video a thumbs up and lets' get right into it.

    是以,請為這段視頻豎起大拇指,讓我們直接進入主題。

  • don't let the snowball effect destroy you

    不要讓雪球效應摧毀你

  • This is literally the main reason why a lot of people are struggling financially.

    這簡直是很多人在財務上掙扎的主要原因。

  • And people who understand this concept usually do pretty well financially.

    而理解這一概念的人通常在財務上做得很好。

  • When a snowball starts falling from the hillside.

    當一個雪球開始從山坡上落下。

  • As it rolls, the ball will pick up more snow, gaining more mass and surface area, and picking

    隨著它的滾動,球將吸收更多的雪,獲得更多的品質和表面積,並採

  • up even more snow and momentum as it rolls down.

    當它滾落時,會有更多的雪和動力。

  • When you are a kid, you don't have many expenses, but once you graduate and find a job, your

    當你還是個孩子時,你沒有太多的開支,但一旦你畢業並找到工作,你的

  • expenses slowly start rising.

    支出慢慢開始上升。

  • You want to move into a slightly better house, get a slightly better car, you start eating

    你想搬進一個稍微好一點的房子,買一輛稍微好一點的車,你開始吃

  • out more often.

    更經常地出去。

  • As long as you can afford that, that's not a big deal!

    只要你能負擔得起,那就不是什麼大問題!

  • Right?

    對嗎?

  • However, what happens usually is that your income doesn't always rise as much as your

    然而,通常發生的情況是,你的收入並不總是與你的收入增長一樣多。

  • expenses, so you are forced to get a credit card debt, which is not a big deal, but then

    支出,所以你被迫得到一個信用卡債務,這不是什麼大問題,但隨後

  • you get into a second debt, then a third and at some point you find yourself in a station

    你陷入了第二筆債務,然後是第三筆,在某個時候你發現自己在一個車站裡

  • where no matter how hard you work, you just can't pay your debts

    無論你如何努力工作,你就是無法償還你的債務。

  • While you are paying one of your debts, the second and the third is rising day by day

    當你在償還你的一個債務時,第二個和第三個債務正在逐日增加。

  • since it accumulates interest like a snowball effect.

    因為它像雪球效應一樣積累了利息。

  • Your debt is simply getting bigger and bigger day by day.

    你的債務只是一天比一天更多。

  • So if you are in your 20s, don't get into unnecessary debt, and if you are already in

    是以,如果你是在20多歲,不要陷入不必要的債務,如果你已經在

  • one, getting rid of your debts should be your first priority.

    首先,擺脫債務應該是你的首要任務。

  • 
 2.

    2.

  • follow Buffett's 5/25 rule

    遵循巴菲特的5/25規則

  • This exercise is simple but very effective.

    這個練習很簡單,但非常有效。

  • It is practiced by the legendary warren buffet who built a net worth of around 100 billion

    它是由傳奇人物沃倫-巴菲特(Warren buffet)實施的,他建立了約1000億的淨資產。

  • dollars without inventing anything says a lot about the effectiveness of this rule.

    在沒有發明任何東西的情況下就獲得了美元,這說明了這一規則的有效性。

  • Over his career, he has made consistently great decisions that brought him to where

    在他的職業生涯中,他一直做出偉大的決定,使他達到了

  • he is now.

    他現在是。

  • Take a piece of paper and write down the 25 most important things you would want to accomplish

    拿一張紙,寫下你想完成的25件最重要的事情

  • in your life.

    在你的生活中。

  • It doesn't matter, whether it's career goals, traveling around the world, or learning a

    這並不重要,無論是職業目標、環遊世界,還是學習一項

  • new language.

    新語言。

  • List all the 25 things in order of importance.

    按重要性順序列出所有25件事情。

  • If it's something super important, let be number 1.

    如果是超級重要的事情,就讓它成為第一。

  • If it's the least important, let be somewhere down the list.

    如果它是最不重要的,那就讓它排在名單的後面。

  • And then circle the top five most important things

    然後圈出最重要的五件事。

  • Now the question is, what are you going to do with the remaining 20 things that you did

    現在的問題是,你打算如何處理你所做的其餘20件事?

  • not circle?

    不是圓的?

  • That's the challenge.

    這就是挑戰。

  • Most people try to balance between all these things, which is one of the main reasons why

    大多數人試圖在所有這些事情之間取得平衡,這是一個主要原因。

  • they can't get out of that desperate financial position.

    他們無法擺脫這種令人絕望的財務狀況。

  • Everything you didn't circle just became your Avoid-At-All-Cost list.

    你沒有圈出的所有東西都成為你的 "完全避免 "名單。

  • No matter what, these things get no attention from you until you've succeeded with your

    無論怎樣,這些事情都不會得到你的關注,直到你成功地完成了你的任務。

  • top 5.

    前五名。

  • We live in such an age where we have to make a million decisions a day, our attention has

    我們生活在這樣一個時代,每天都要做無數個決定,我們的注意力已經

  • become the most precious resource, so corporations spend fortunes just to find out how to grab

    成為最寶貴的資源,是以企業花費巨資,只是為了找出如何抓住

  • our attention as much as they can and your job is to stay focused on what's important.

    我們的注意力儘可能多,而你的工作是保持專注於重要的事情。

  • I get it, you want to do all these cool things, such as learning how to play the guitar or

    我明白,你想做所有這些很酷的事情,比如學習如何彈吉他或

  • travel around the world, but if you want to do better financially, you have to focus on

    環遊世界,但如果你想在經濟上做得更好,你必須專注於

  • either mastering one craft or starting your own business.

    要麼掌握一門手藝,要麼開始自己的事業。

  • But you might say, I don't have the time, I have to work to pay all my bills.

    但你可能會說,我沒有時間,我必須工作以支付所有賬單。

  • That's why step  


    這就是為什麼步驟

  • 3.

    3.

  • Delay gratification

    延遲滿足

  • If you take a look at your expenses, I am pretty confident that half of your expenses

    如果你看一下你的開支,我很有信心,你的一半的開支

  • are wants and not needs which means you can survive if you get rid of them.

    是想要的而不是需要的,這意味著如果你擺脫它們,你就能生存下去。

  • That Netflix subscription, your car loan, unnecessary expensive hang out with friends,

    那份Netflix訂閱,你的汽車貸款,不必要的昂貴的與朋友出去玩。

  • a coffee that you could be making at home but instead, you chose to pay 3 bucks for.

    一杯你可以在家裡做的咖啡,但你卻選擇花3塊錢買。

  • Whatever it might!

    不管它是什麼

  • Find out how much you need to survive and only work enough hours just to pay your basic

    找出你需要多少錢才能生存,並且只工作足夠的時間來支付你的基本費用。

  • bills so you will have enough free time that you can spend mastering your craft or building

    賬單,所以你將有足夠的空閒時間,可以用來掌握你的手藝或建立

  • that business.

    該業務。

  • Especially with the rise of the internet, you can start a million other businesses just

    特別是隨著互聯網的興起,你可以啟動一百萬個其他業務,只是

  • by having an internet connection and a computer.

    只要有一個互聯網連接和一臺電腦。

  • The point isn't to live super frugally your entire life.

    問題的關鍵不是要你一生都過著超級節儉的生活。

  • Life is going to become boring then.

    那時候生活就會變得很無聊。

  • But if you want to get out of that rat race, you have to sacrifice a few years of your

    但是,如果你想擺脫這場老鼠賽跑,你就必須犧牲幾年的時間。

  • life and delay gratification.

    生活和延遲滿足。

  • What's more important to you?

    什麼對你更重要?

  • living your entire life Paycheck to paycheck?

    你的一生都在為薪水而活?

  • Or living frugally for a few years and escape that rat race for good?

    或者節儉地生活幾年,永遠地逃離那場老鼠比賽?

  • Or you can do it the other way around, where you will work at least 12 hours a day for

    或者你可以反其道而行之,你將每天至少工作12小時,為

  • a few years but spend a minimum amount of money while saving most of your paycheck for

    幾年的時間,但花最少的錢,同時把大部分的工資存起來,以備不時之需。

  • a few years until you have saved for at least 12 months of expenses.

    幾年後,直到你至少存夠12個月的開支。

  • Then you can use that money to invest, which is why you need step number 4.

    然後你可以用這些錢進行投資,這就是為什麼你需要第4步。

  • 
 4.

    4.

  • Focus on finding one great opportunity

    專注於尋找一個偉大的機會

  • Let me ask you a simple question?

    讓我問你一個簡單的問題?

  • What do you think is the best investment you can make

    你認為什麼是你能做的最好的投資?

  • Real estate?

    房地產?

  • Stock market?

    股票市場?

  • Cryptos?

    加密貨幣?

  • The answer is simple, the best investment you can make is the investment you understand?

    答案很簡單,你能做的最好的投資就是你理解的投資?

  • It's not just about understanding how the stock market works?

    這不僅僅是為了瞭解股票市場如何運作?

  • Or being qualified for a mortgage or anything like that but rather being so good in that

    或有資格獲得抵押貸款或類似的東西,而是在那方面非常好。

  • field that you can spot one in a lifetime opportunity.

    你能發現一生中唯一的機會的領域。

  • Remember, you just need to be right once.

    記住,你只需要做對一次。

  • You don't have to predict the next trillion-dollar company, the next bitcoin and the next real

    你不必預測下一個萬億美元的公司,下一個比特幣和下一個真正的

  • estate crash.

    房地產崩潰。

  • All you have to do is be so good in one field that you can clearly see how this particular

    你所要做的就是在某一領域非常出色,你可以清楚地看到這個特定的

  • technology or a company is going to dominate a certain industry and go all in.

    技術或一家公司將主導某個行業,並全力以赴。

  • A thousand dollars invested in bitcoin in 2016 would worth around $148K today.

    2016年投資於比特幣的一千美元,今天價值約14.8萬美元。

  • This means if you invested in bitcoin just 7K dollars in 2016, you could be walking with

    這意味著,如果你在2016年只投資了7千美元的比特幣,你可能會帶著

  • over a million dollars today.

    今天超過一百萬美元。

  • That kind of opportunities I am talking about.

    我所說的這種機會。

  • Those who understood cryptocurrencies better than everyone else had a clear idea of how

    那些比其他人更瞭解加密貨幣的人清楚地知道如何

  • they are going to change the world.

    他們將改變世界。

  • The same goes for the stock market, or the internet, or the real estate.

    股票市場也是如此,或者互聯網,或者房地產。

  • It doesn't matter!

    這並不重要!

  • The next opportunity is right around the corner.

    下一個機會就在拐角處。

  • All you have to do is be soo good in that field to be able to spot.

    你所要做的就是在該領域有足夠的能力來發現。

  • 
 5.

    5.

  • Focusing on producing instead of consuming

    專注於生產而不是消費

  • No matter who you are, rich or poor, old or young.

    無論你是誰,富人或窮人,老人或年輕人。

  • We all have 24 hours a day; the question is, do you spend that time consuming what others

    我們都有一天24小時;問題是,你是否將這些時間用於消費別人的東西?

  • are producing or producing what others will consume.

    正在生產或生產別人將消費的東西。

  • Those who contribute the most to society are making most of the money and vice versa.

    那些對社會貢獻最大的人正在賺取大部分的錢,反之亦然。

  • People who make Netflix shows probably make more money than those who binge-watch them

    製作Netflix節目的人可能比狂看節目的人賺更多錢

  • all day.

    全天候。

  • People who sell online products are making more money than those who use their credit

    銷售在線產品的人比使用信貸的人賺得更多

  • cards to buy these things.

    卡片來購買這些東西。

  • We are all divided into consumers and producers; if you are consuming more than you are contributing,

    我們都分為消費者和生產者;如果你的消費多於你的貢獻。

  • then you shouldn't be surprised if you are barely making ends meet

    那麼,如果你勉強維持生計,你就不應該感到驚訝。

  • That's why entrepreneurs usually make most of their money.

    這就是為什麼企業家通常能賺到大部分的錢。

  • They come up with one innovation that has the ability to help millions of people.

    他們想出了一個創新,有能力幫助數百萬人。

  • The more people it helps, the more money they make.

    它幫助的人越多,他們賺的錢就越多。

  • I get it, it's not easy, you are constantly getting distracted, but start making that

    我明白,這並不容易,你一直在分心,但要開始使之成為一種習慣。

  • shift in your life, start spending most of your time producing instead of consuming,

    轉變你的生活,開始把你的大部分時間用於生產而不是消費。

  • and you will realize how slowly your financial situation will get better.

    而且你會意識到你的財務狀況會慢慢變好。

  • If you have enjoyed this video, you will most

    如果你喜歡這個視頻,你將最

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

    你一定會喜歡這個我專門為你創建的定製播放列表,其中有

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

    我們在商業、投資和股市方面最受歡迎的視頻,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它應得的大拇指,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。

  • 
 


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63 percent of Americans have been living paycheck to paycheck since the Covid pandemic started.

自科威德大流行開始以來,63%的美國人一直在靠工資生活。

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25歲就破產了?- 迫使你擺脫貧困的5個步驟 (Broke at 25? - 5 Steps To Force Your Way Out of Poverty)

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