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  • People often think making a lot of money is difficult, and they are right, I can tell

    人們常常認為賺很多錢是很難的,他們是對的,我可以告訴你。

  • you that from my personal experience.

    你,從我個人的經驗。

  • But what usually happens is that people usually make silly mistakes along the way that prevent

    但通常的情況是,人們通常會在路上犯一些愚蠢的錯誤,阻止了

  • them from getting rich even when they are making a lot of money.How do I know that I

    我怎麼知道,我是一個很好的人,即使他們賺了很多錢,也不會發財。

  • have made these mistakes and have learned the lesson?

    犯過這些錯誤,並吸取了教訓?

  • When I was in college I use to make just enough to pay all my bills and I use to think that

    當我在大學時,我經常賺的錢只夠支付我所有的賬單,我經常認為,...

  • if I just make twice the amount that I currently make, I will be living like a king.

    如果我的收入是現在的兩倍,我就會像國王一樣生活。

  • At least that's what I thought.

    至少我是這麼想的。

  • But in reality, even when I started making multiple times more, things didn't really

    但實際上,即使我開始多賺了好幾倍,事情也沒有真正的

  • change.

    變化。

  • Yes, of course, I stopped worrying about how am I going to pay my rent next month.

    是的,當然,我不再擔心下個月的房租怎麼交。

  • But I didn't really notice a significant change in my lifestyle, but more importantly, I didn't

    但我並沒有發現我的生活方式有明顯的改變,但更重要的是,我沒有

  • feel like I am rich.

    覺得自己很有錢。

  • After analyzing my spending habits, I realized that the problem wasn't in how much I make

    在分析了自己的消費習慣後,我意識到問題不在於我賺了多少錢

  • but rather silly mistakes that kept me struggle financially.

    而是愚蠢的錯誤,讓我一直在經濟上掙扎。

  • So let me share them with you.

    那麼就讓我和大家分享一下吧。

  • Number one!

    第一!

  • You rationalize when you overspend

    當你超支的時候,你就會合理化

  • When you live paycheck to paycheck, you imagine that when you will start making more money,

    當你過著薪水至上的生活時,你想象著什麼時候你會開始賺更多的錢。

  • you will start investing, but what happens often is that you will start spending that

    你會開始投資,但經常發生的情況是,你會開始花這些錢。

  • money elsewhere by the name of investing.

    以投資的名義將錢投到其他地方。

  • You will start taking an uber instead of a bus, or eating the exact same meal at a more

    你會開始乘坐uber,而不是公車,或者在更多的地方吃一模一樣的飯菜。

  • expensive restaurant or just buy more clothes that you will never wear.

    昂貴的餐廳或只是買更多的衣服,你將永遠不會穿。

  • The worst part about is that, in order not to feel bad about yourself when you waste

    最糟糕的是,為了不覺得自己不好,當你浪費了

  • so much, you will start rationalizing that you are investing in yourself when in reality

    這麼多,你會開始合理化,你是在投資自己,而在實際上

  • you are just wasting money.

    你只是在浪費錢。

  • I am not against living comfortably or going to expensive places.

    我不反對生活舒適,也不反對去貴的地方。

  • I myself do that every now and then.

    我自己也時常這樣做。

  • What you have to understand is that overspending will keep you where you are!

    你要明白的是,過度消費會讓你原地踏步!

  • Just because you are making a lot of money today, doesn't mean you it is going to stay

    雖然你今天賺了很多錢,但並不意味著你會一直賺下去。

  • like that forever, so you have to manage that money responsibly and stop lying to yourself.

    永遠這樣,所以你要負責任地管理這些錢,不要再騙自己了。

  • In fact, if you want to upgrade your standard of living or invest in yourself you don't

    其實,如果你想提升自己的生活水準或投資自己,你不需要

  • necessarily have to spend a fortune.

    一定要花大錢。

  • There are plenty of other better ways.

    還有很多其他更好的方法。

  • Number 2, Budgeting based on your current situation.

    第2,根據自己的現狀進行預算。

  • Time is such a strange thing that we don't even realize how fast it passes.

    時間真是個奇怪的東西,我們甚至沒有意識到它過的有多快。

  • It feels like it was just yesterday when I was a little kid.

    感覺就像昨天我還是個小孩子的時候一樣。

  • But now I am a grown-up adult, and one day I will be a grown-up old man.

    但現在的我已經是一個成年人了,總有一天我會成為一個成年的老人。

  • What we don't consider is that, as we age, our expenses grow one way or another.

    我們沒有考慮到的是,隨著年齡的增長,我們的支出會有這樣或那樣的增長。

  • Just think about how much you use to spend 5 years ago.

    想一想5年前,你曾經花了多少錢。

  • I am sure that you use to spend much less. and you know what, 5 years from, your expenses

    我相信你以前花的錢肯定少得多,你知道嗎,5年後,你的開支就會減少

  • will even grow further.

    甚至會進一步增長。

  • So when you budget and plan your finances, do not only think about today but consider

    所以,當你做預算和計劃財務時,不要只考慮今天,要考慮到

  • your expenses 5 or 10 years from now.

    你5年或10年後的開支。

  • You might start a family, have kids, so you will no longer be able to simply rent a room

    你可能會成家立業,有了孩子,所以你將不再能夠簡單地租房。

  • or a little flat like you do now.

    或者像你現在這樣平一點。

  • 5 years looks like a long time, you think that you will figure something out by then,

    5年的時間看起來很長,你想,到時候你會想出一些辦法。

  • but you won't.

    但你不會。

  • You will just keep postponing it until you find yourself in a situation where your expenses

    你會不斷地延後,直到你發現自己的支出情況。

  • are way more than your income, so you will be trapped in this paycheck to paycheck life.

    是遠遠超過你的收入的,所以你會被困在這薪資到薪資的生活中。

  • and that leads us to mistake number 3

    這就引出了第三個錯誤

  • You keep postponing money management.

    你一直在延後理財的時間。

  • Most people do not consider money management important.

    大多數人認為理財並不重要。

  • It looks so simple and easy that we often we ignorant.

    看似簡單易行,我們往往我們無知。

  • I mean, look I have my paycheck and these are my usual expenses, what am I suppose to

    我的意思是,你看,我有我的工資和這些都是我平時的開支,我應該怎麼做?

  • manage!

    駕馭

  • When you don't have a clear understanding of where your money goes, you end up spending

    當你對自己的錢去向沒有清晰的認識時,你最終會花掉

  • it carelessly.

    它不小心。

  • A dollar here and two there and then at the end of the month you will be wondering where

    這裡一塊錢,那裡兩塊錢,然後在月底,你會想知道在那裡

  • on earth did you spend your entire salary.

    在地球上你花了你的全部工資。

  • In order to avoid that, all that you have to do is to stop saying, I will figure it

    為了避免這種情況,你要做的就是不要再說,我會想辦法的

  • out later and start managing your money.

    出以後,開始理財。

  • Money management isn't just about where are you going to spend your money but how.

    理財不僅僅是你要把錢花在哪裡,而是怎麼花。

  • How can you minimize your expenses?

    如何才能將支出降到最低?

  • How can you use your money more effectively that it earns more money?

    如何更有效地利用你的錢,讓它賺到更多的錢?

  • These are the most common mistakes that I often see people are making.

    這些都是我經常看到人們最常犯的錯誤。

  • Of course, it takes time and dedication but if you aren't ready to manage your finances,

    當然,這需要時間和投入,但如果你還沒有做好理財的準備。

  • you shouldn't be complaining in the first place.

    你不應該在第一時間抱怨。

  • and now go ahead and click on that bell button because if by any chance you are a subscriber

    現在繼續前進,並點擊該鐘按鈕 因為如果有任何機會,你是一個訂閱者

  • and you wanna see my next video, it seems like youtube isn't going to notice unless

    你想看到我的下一個視頻,它似乎像YouTube不會注意到,除非

  • you do that.

    你這樣做。

  • Thanks for watching and I will see you in the next one.

    謝謝你的觀看,我們下期再見。

People often think making a lot of money is difficult, and they are right, I can tell

人們常常認為賺很多錢是很難的,他們是對的,我可以告訴你。

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