Name: 1994年--美國人對金錢的看法 (1994 - What Americans Thought About Their Money)
Uploaded: 2021-01-14T10:16:23.000Z
Duration: 8 min 56 s
Description: 【看影片學英語】數萬部 YouTube 影片，搭配英漢字典即點即查，輕鬆掌握單字發音與用法，長久累積看電影不必再看字幕。

過去簡單式

Not only do we think we're inept, we think relays average American works a lot more hours and German export the average hours in the average Japanese way.

Work more hours than our parents did were very hardworking people.

The kind of returns people generated in the eighties are not gonna happen in the nineties.

Really, if you think about it the 19 eighties, with a decade of spending, I was out spending it more than I was saving it.

The nineties, on the other hand, is turning out to be a savings decade.

I saved 25 cents, which I never did be full up before I made a dollar I spent three make.

This is a major transition that's occurred in the economy and among the American public, and I don't think it's over.

I think in fact, we're just into the beginning of this long term savings boom.

If you look at save things, rates on a worldwide basis.

Germans, I think, save more money to Odin.

US has always had a very low savings, right.

We think they spent too much money on us on junk, I think, really living beyond my means for years now in Sweden.

The idea is that we should have one year income in the bank in case something happens in Canada.

The public in Japan basically saves 25 to 30% of them income.

China, for example, is in the mid thirties in the U.

The range has basically been between six and 8%.

You have to say 10 to 20% a year you have or you're you're being sloppy and lazy and spending too much on clothes.

My financial ghost would be to have my own ranch house in Spain and house in Australian department Here in New York, enough acreage to hold a good few horses, win the Bermuda race herd of cattle, retire and go into archaeology.

I think that's the fun part of life is being able to have a a dream that hopefully someday will come true.

Well, at one time, we thought we were in really good shape.

It's that you had laid bike Seemed to disappear every day.

I have to get up at five o'clock in the morning.

I'm ready to retire in 20 or 30 or 40 years, depending on when they retire, they're gonna have to have enough money to retire on because they're not gonna work.

I realize that I can't live on Social Security is not gonna be enough there.

And so they're gonna have to have enough invested on their own life has 41 k.

We have Ah Kio, you have I right, But to have enough money down the road if you just invested in CDs.

You're gonna have basically what you have now because inflation will just eat away all the games I used to save using bank CDs.

I just don't think that's gonna get me where I want to be very rich.

I don't know my own financial strategies based on a day today, very existentialist type of existence.

You know, you plan for what I started planning about maybe 25 30 years ago.

It's my first born so that now that she's here, pressure, Why?

I don't know why I don't have a real plan.

One of the things I see in psychotherapy is that people are afraid to take risks, and if they're afraid to take risks in their lives, they're usually afraid to take risks with their money.

And what I want to help them to do is to see that you can take a risk if you don't put out what you want.

If you don't go for what you want, you're never going to get it.

I suppose like everybody else, we're saving for retirement, retirement, retirement.

I guess someday you're looking at retirement 40 years out there, you can be aggressive.

You can take a lot of risk with aggressive growth stocks.

My retirement will probably come with the next three or four years.

They probably should not be in as risky investment vehicles because the volatility in the shorter term could have more of an impact on their return.

The key thing that people should do is to diversify.

That's one of the ways toe limit to risks.

If you don't expose yourself the one thing really, really tight, that's what I love.

Maybe we're not as different as I thought we were.

I collect old cars, have money in inventory, some stock, some collectibles.

People spend more time, you know, well spent two hours trying to save $50 a round trip air ticket to Hawaii.

They spend no time planning their next 30 years finances.

You just have to sit down and say This is where we are.

We get plenty of life insurance if something goes wrong now.

Now, if you say what are we gonna do with the incremental dollar?

I spend a little time every week and looking at my portfolio, I always read the business section.

I think that I would prefer to do is have somebody else take responsibility for that investment advisors have different agendas.

Some just want to sell you the investment and move on to the next thing.

Other people are very committed to it and those kind of people you have to look for when I say the word stock market you what comes to confuse?

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1994年--美國人對金錢的看法 (1994 - What Americans Thought About Their Money)

inevitable

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basically

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