字幕列表 影片播放 由 AI 自動生成 列印所有字幕 列印翻譯字幕 列印英文字幕 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。