Name: 為什麼富人終究是窮人，而富人卻能享受生活？ (Why The Rich End up Poor But The Wealthy Enjoy Life)
Uploaded: 2021-01-14T10:52:51.000Z
Duration: 7 min 49 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

In 1997 Robert Kiyosaki published a personal finance book called Rich Dad

Poor Dad. The book instantly became a phenomenal success and in no time

catapulted Kiyosaki to the world of fame. In one of his books he mentions that

there is a disparity between being rich and being wealthy and he went on and

said something surprising that the rich have lots of money but the wealthy don't

worry about money. And I found this very interesting because I've always thought

that the two go hand in glove that if you're rich then you're also wealthy and

that if you're wealthy then you're probably living a very comfortable life.

But this isn't always true, when I think about someone who's rich, I think about

someone with a lot of money and I typically think about someone who's

quite showy with their money. They drive fancy cars and live in a fancy house

they wear fancy clothes and eat at fancy restaurants. Growing up I wanted to be

rich, I wanted to own a big house, live in a fancy neighbourhood, drive a luxury car

and buy expensive clothes, I wanted to sit in the best seats at sporting events and

travel the world any time I wished. Heck I wanted to go to

Mars and I've got to be honest some of those things still sound good to me now.

Kiyosaki said the rich have lots of money but the wealthy don't worry about

money. I thought about this for a while, the wealthy don't worry about money.

Growing up I've lived in a relatively financially stable family, we're not rich

but we're not poor either we're middle-class if you will. Both my

parents work nine to five jobs and they work really hard to provide for me and

my siblings somehow they've managed to pay for mine in my siblings tuition

while at the same time making sure we have food to eat and a roof over our

heads I can't say things have always been rosy there have been months where

money was a serious concern and we weren't sure whether they would manage

to pay for all our tuition, bills, and expenses. I watched my parents struggle

and I didn't ever want to live a life like that and when I read that statement

the wealthy don't worry about money I thought to myself well that must be a

really nice thing to have. Imagine never having to ever worry about

money, who wouldn't want that? I want to be wealthy and rich so I decided to do a

bit of digging to try and find out the difference you see having lots of money

is nice and all but I believe not ever having to worry about money is even

better. So after a bit of research this is what I found out and I think this

might surprise you a lot. There actually is a difference between being rich and

being wealthy. The simple difference between a rich person and a wealthy

person is that a wealthy person has sustainable wealth, in other words a

wealthy person will always be wealthy. Whereas someone who is merely rich will

only be rich for a short period of time until the money runs out. I'm sure a lot

of you have heard stories of rich actors, celebrities, professional athletes and so

on who were once living fancy lifestyles with big houses, nice cars, expensive

clothes and vacationing all over the world, but are now on the verge of

financial bankruptcy because of poor financial skills and trying to sustain

this kind of lifestyle for many years. You've heard of the lottery winner who

went to bed one night in debt and woke up the next day an instant millionaire,

but due to poor financial management, ends back up where they started or in an

even worse situation. So let's use Lucas as an example, Lucas is a surgeon with an

annual income of $310,000 most of this income is

earned from his work with only 5% coming from some investments a couple of his

colleagues enticed him to invest in. By all accounts and standards, Lucas is a

rich man, he has a big house, he's living in a good neighborhood, he has two luxury

cars, one for himself and the other he bought for his wife. His children go to

good private schools and he has membership in the local Country Club. So

clearly Lucas has lots of money at his disposal, so he uses this money to make

sure he fits in and looks the part of a respectable surgeon in society, obviously

Lucas has expenses, as does every other person, he has a mortgage to pay, he has

transportation costs, he has to feed his young family,

he has to pay health insurance, he has to pay taxes, he has to put aside money for

his kid's college fund and he has to buy another expensive anniversary gift this

year. Did I mention the annual vacation he takes with his family? when you

subtract these expenditures from his annual income, then remove the savings

In total Lucas spends about $21,500 every month on expenditures and he has savings

amounting to $43,500 in his bank account.

And so since wealth is defined as the status of an individual's financial

resources to sustain the individual's way of living, for a long period of time

even if the individual stops working. In essence, this is money coming in on a

consistent basis that's able to sustain your current standard of living for many

years. This means that should Lucas lose his

job today together with all the benefits accruing from it, Lucas should be able to

feed his family for only two months. After which he'll immediately need to

find an alternative source of income. Lucas is rich, he's not wealthy. Now let's

look at an example of a wealthy person. Kiyosaki said that while the rich have

lots of money the wealthy don't really have to worry about money. Let's look at

Bill Gates. Bill Gates is one of the richest men in the world he's a business

magnate, an investor, a philanthropist, a humanitarian and an author. As of early

$97.4 Billion Dollars. It's estimated that every second,

Bill Gates earns about one hundred and thirty dollars, which translates to

around $78,000 every minute. This is to say that in an

hour bill makes more money than Lucas earns after a whole year of working, yet

Lucas is considered rich. Being wealthy is essentially being financially free.

This means that you don't live paycheck to paycheck and you don't necessarily

need to make any more money over a long period of time, because you have enough

money saved or passive income flowing in from your assets and investments to

maintain your current lifestyle for the rest of your life. Bill Gates doesn't

actively work for the $135 that he made this second or the almost $78,000

he will learn by the end of this video. This is passive income that he gets in

his sleep when he is playing golf and when he is giving away four billion

dollars annually to cause us that he cares about. Wealth is sustainable

richness, basically a rich person who never runs out of money. If Lucas quits

his job today, he will most likely get bumped into the middle-class. If Bill

Gates decided to retire today and become a sedentary person who eats sleeps and

eats again, he could maintain his current lifestyle for the next 213 years. But you

don't necessarily need to have gates kind of money, or own a large

business like Microsoft. As long as you have income flowing in that you're not

directly working for, such that if you were to stop working today but you can

still maintain your current standard of living, then you are considered wealthy.

Usually when you think of a rich person, you think of someone who buys both their

wants and their needs. You know the $5,000 suit, the $3,000 watch, a