what If I told you that in just 2017, 700K people became millionaires. And now try to

如果我告訴你，就在2017年，有70萬人成為百萬富翁。而現在嘗試

guess the total number, it's in millions, to be exact, there are over 11 million millionaires

你猜猜看，總人數是多少，準確的說是百萬，有一千一百多萬的富翁

just here in the US! and now try to imagine how many millionaires

就在美國這裡！現在試想一下，有多少百萬富翁。

are there worldwide! the world is actually filled with millionaires!

是全世界都有的！其實世界上到處都是百萬富翁。

Every single day, thousands of people join the club.

每天都有成千上萬的人加入俱樂部。

However, If you give it a closer look, all millionaires can be divided into 3 categories,

然而，如果你仔細觀察，所有的百萬富翁可以分為3類。

because, there are essentially 3 ways to become a self-made millionaire unless your dad will

因為，基本上有3種方法可以成為一個自謀職業的百萬富翁，除非你爸爸願意。

give you a small loan of a million-dollar, and that will be the fourth way.

給你100萬的小額貸款，這將是第四種方式。

By the way, contrary to the popular beliefe. Only 20 percent of millionaires have inherited

順便說一句，與大眾的看法相反。只有20%的百萬富翁繼承了

their wealth, the other 80 percent made it with their blood and sweat.

他們的財富，另外80%是用他們的血汗換來的。

In fact, out of 2604 billionaires worldwide, 56% of them are self-made.

事實上，在全球2604位億萬富翁中，56%的富翁都是自立門戶。

So even if you are not born with a silver spoon in your mouth, your chances to become

所以，即使你不是含著銀勺出生的，你也有機會成為

one are reasonable There are basically 3 financially paths you

一個都是合理的 基本上有3條財務路徑，你可以選擇

can take! Sidewalk, Slowlane, and The Fastlane!

可以採取！人行道、慢車道和快車道!

1. Slowlane is get rich slow formula, or get rich old where you will be on a wheelchair!

1.慢車道是致富慢公式，或者說是致富老，在這裡你將坐上輪椅!

The Slowlane is your typical parent's advice: Go to school, get good grades, graduate, get

慢車道是典型的家長的建議。上學，取得好成績，畢業，獲得

a good job, save 10%, invest in the stock market, max your 401k, clip coupons…then,

找份好工作，存10%的錢，投資股市，把你的401K存到最大，剪掉優惠券......然後。

someday, when you are, oh, 65, maybe 70 years old, you will be rich.

總有一天，當你，哦，65歲，也許70歲的時候，你會很富有。

Congratulations, you have made it!

恭喜你，你成功了!

The problem with the Slowlane is that you will have to sacrifice your entire life so

慢車的問題是，你將不得不犧牲你的整個生命，所以。

that you can live your dream life when you are in a wheelchair.

當你坐在輪椅上時，你可以過上你夢想的生活。

Which I don't really like because once you are old, you can't get back young again,

我不太喜歡，因為一旦你老了，你就不能再年輕了。

Time is out of your hands. So as your income, you can't double it or

時間是不由你掌握的。所以，作為你的收入，你不能讓它翻倍，或

triple it every year, try asking your boss for a 100 percent raise, you will most likely

每年翻三倍，你可以試著向你的老闆提出百分之百的加薪要求，你很有可能

get fired!

炒魷魚

So, If you decide to take this path, remember, you are not going to drive that Ferrari while

所以，如果你決定走這條路，請記住，你不是要開著那輛法拉利，而。

you are young, you are not gonna travel and have adventures because it's quite difficult

你還年輕，你不會去旅行和冒險，因為它是相當困難的。

to do that when you are 70. You will live like a slave waiting for Friday to celebrate

在你70歲的時候去做。你會像一個奴隸一樣生活，等待週五的慶祝活動。

your freedom and then get back to slavery on Monday.

你的自由，然後回到週一的奴隸制。

If buffet started investing when he was just 11 years and only made his first million by

如果巴菲特在11歲的時候就開始投資，並且只用了1年時間就賺到了第一筆錢，那麼他的投資就會變得很簡單。

the age of 31. How long do you think it will take you to make even a million dollars when

你覺得你要花多長時間才能賺到一百萬美元？

you haven't even invested a single dime in the stock market yet and you are 25!

你甚至沒有投資一個硬幣在股市還 你是25！

Nonetheless, its probably the best strategy for most people. Although you will have a

儘管如此，它可能是大多數人的最佳策略。雖然你會有一個

boring mediocre life, you will have a financial plan that works!

枯燥平庸的生活，你會有一個行之有效的理財計劃!

Even if it's not exciting, you will be a millionaire in 30 or 40 years, depends on your salary, and how much you're willing to save.

即使它不令人興奮。三四十年後你也會成為百萬富翁，看你薪水多少，還有你願意存多少。

In fact, a considerable number of millionaires in the US have taken this path. It's safe,

事實上，美國相當多的百萬富翁都走過這條路。它是安全的。

secure and guaranteed and better than the second option - The Sidewalk.

安全有保障，比第二種選擇--人行道更好。

2. Sidewalker

2.人行道

The Sildewalkers are usually one step away from bankruptcy, because they are more bothered

西爾德沃克人通常離破產只有一步之遙，因為他們比較煩惱的就是

about living their dream life today and aren't much into the future. They can even make millions

關於今天過著自己夢想的生活，並不怎麼看重未來。他們甚至可以賺到幾百萬

of dollars but still, end up poor like a professional athlete or an actor. Your album fails, you

的美元，但還是會像職業運動員或演員一樣窮困潦倒。你的專輯失敗了，你

get injured, you get homeless and file for bankruptcy.

受傷了，你無家可歸，申請破產。

Even if you have a prosperous career, chances that you will remain a millionaire after you

即使你從事很有前景的職業，機會，你將仍然是一個百萬富翁後，你。

retire are really low. 78% of NFL players are either bankrupt or

退役的比例真的很低。78%的NFL球員要麼破產，要麼。

under financial stress within 2 years of retirement. 60 percent of NBA players go bankrupt after 5

在退役後2年內經濟壓力下。60%的NBA球員在5年後破產。

years of ending their career.

年結束其職業生涯。

Imagine making millions of dollars but still Go broke. it sounds unbelievable, but that's

想象一下，你賺了幾百萬美元，但還是破產了，這聽起來很不可思議，但這就是你的夢想

what happens when you decide to become a pro athlete. There isn't time for financial education,

當你決定成為一名職業運動員時會發生什麼。沒有時間進行財務教育。

You have to work hard day and night to be at the top, there will be people who are more

你要日日夜夜的努力才能上位，會有更多的人。

talented than you or simply have better genetics. The number of athletes who end up making it

比你有天賦或只是有更好的基因。運動員誰最終使它的數量

to the pro level are less than 1 percent. While you are having the greatest years of

到專業水準的不到1%。當你擁有最美好的年華的時候

your career, you get used to a certain lifestyle that's completely taken care by your muti

你的事業，你習慣了某種生活方式，而這種生活方式完全是由你的多面手來照顧的。

million dollar salary, and once you retire its difficult to get back to an average life.

百萬美金的薪水，一旦退休就很難再回到普通人的生活。

SO you go broke in few years.

所以你幾年內就會破產。

The number of athletes who build a sustainable business while making it to the top like Michael

像邁克爾這樣在登峰造極的同時，建立起可持續發展事業的運動員有多少？

Jordan are an extremely small minority. And even those who end up earning 400 million

約旦是極少數人。即使是那些最終賺到4億的人

dollars like Tyson did can still go absolutely broke!

美元，像泰森那樣還可以絕對破產!

The worst part about it is that. With the rise of social media, everyone is

最糟糕的是。隨著社交媒體的興起，每個人都

taking the sidewalk. You pull out your phone and see how these people are driving ferries

走人行道。你掏出手機，看看這些人是怎麼開渡輪的。

and living their dream lives. and You don't want to be left behind, You might be working

你也不想落在後面，你可能正在努力工作

hard, but whatever money you make, you spend it on the next great gadget, on the next trip

但無論你賺多少錢，你都要花在下一個偉大的小工具上，花在下一次旅行上。

so that you have something to post on your Instagram. On a more expensive car.

以便你有東西在你的Instagram上發佈。在一輛更貴的車上。

Sidewalkers are trapped in such a lifestyle where they are driven by their urgent instant

人行道上的人被困在這樣的生活方式中，他們被自己迫切的即時性所驅使。

need for pleasure. Every dime you make will directly go to your

樂趣的需要。你賺的每一分錢都將直接用於你的...

car payment, clothes, whatever.

車費、衣服什麼的。

You are not worried about the future because you think that someday, sometime in the future

你不擔心未來，因為你認為有一天，在未來的某一天

you will hit big. But let's be honest, you most probably won't. So it's not the wisest option to take!

你會大獲全勝，但老實說，你很可能不會。所以這並不是最明智的選擇！

3. Fastlane

3. 快車道

And then there is the Fastlane. The whole idea behind it is that, instead of sacrificing

還有就是快車道。它背後的整個想法是，而不是犧牲了

today for tomorrow or tomorrow for today. Get out and provide value to as many people

今天換明天或明天換今天。走出去，為更多的人提供價值

as possible. You see most of us are consumers because to

儘可能的。你看我們大多數人都是消費者，因為要

provide value, you need to have something first. And most people do not take the time

提供價值，你需要先擁有一些東西。而大多數人不花時間

and effort to build themselves up to a point where they will have something to give.

和努力，把自己打造成一個有付出的人。

Mark Zuckerberg became a billionaire in just a few years because he provided a platform

馬克-扎克伯格之所以能在短短几年內成為億萬富翁，是因為他提供了一個平臺。

to millions of people to socialize.

到數百萬人的社交。

If you give it a closer a look, the purpose of any business is to give value in different

如果你仔細觀察一下，任何企業的目的都是為了給不同的價值

ways, the store besides your house provides you with the groceries, the restaurant downside

的方式，除了你的房子之外的商店為你提供的雜貨，餐廳的下線。

the road provides you with the food. Your favorite YouTuber provides you with content

道路為你提供食物。你喜歡的YouTuber為你提供內容

that you find interesting. Amazon saves you the time and makes shopping much easier!

你覺得有趣的。亞馬遜為您節省了時間，讓購物變得更容易!

And what makes this path much more appealing than the other two, There is no limit to how

而這條路之所以比其他兩條路更有吸引力，是因為這條路是沒有限制的。

much you can make! You want to triple your income in the next

你能賺多少!你想在接下來的時間裡讓你的收入翻三倍嗎？

3 month, It's under your control! You don't have to beg your boss for a 5 percent raise

3個月，由你掌控!你不用再求老闆加薪5%了

like the Slowlaners do.

就像 "慢郎中 "一樣。

And you are not scarifying your future like the sidewalks do because Fastlaners take that

而你並沒有像人行道那樣把你的未來弄得傷痕累累，因為快手們把這一點

money and buy real esate, patents, businesses that will keep raising their income.

錢和購買真正的esate，專利，企業，將不斷提高他們的收入。

The challenge with the Fastlane is that you will have to spend first an enormous amount

快速通道的挑戰是，你必須首先花費大量的

of time to create something that will truly bring value to a substantial number of people.

的時間來創造真正能給相當多的人帶來價值的東西。

Of course, it's not easy, and most people would never be able to do that, because the

當然，這並不容易，大多數人是做不到的，因

other path looks more appealing since that's what being rich means to most people.

另一條路看起來更吸引人，因為這就是有錢人對大多數人的意義。

But  “When you finance an $80,000 Mercedes Benz

但 "當你融資8萬元的奔馳車時

over six years because that's all you could afford, that isn't wealth, but the impersonation

六年，因為那是你唯一能負擔得起的，那不是財富，而是冒牌貨

of wealth.

的財富。

You are Fooling yourself. It still blows my mind how people travel while

你在自欺欺人。它仍然讓我感到震驚，人們如何旅行，而。

not having even a thousand dollars in their savings account.

他們的儲蓄賬戶中甚至沒有一千美元。

Wealth isn't embodied in a car or clothes but in the freedom to know that you can buy

財富不是體現在汽車或衣服上，而是體現在知道自己可以買到的自由上。

it.

它。

That's why it's easy to find self-made not only millionaire but billionaires who are

這也是為什麼很容易發現自已不僅是百萬富翁，而且是億萬富翁的原因。

cheap because they know that they have the freedom to afford pretty much anything anytime

廉價，因為他們知道，他們可以自由地買到幾乎任何東西，隨時隨地

they want.

他們想。

On the other side, you have people who haven't paid their students loans yet but are completely

另一邊，你有誰還沒有支付他們的學生貸款，但完全是

comfortable to take another loan to show everyone how successful they are.

舒服地再貸一次款，讓大家看看自己有多成功。

People don't choose to be poor. They make poor decisions that slowly lead them into

人們不會選擇貧窮。他們做出了錯誤的決定，慢慢地導致他們進入

that direction.

這個方向。

Conclusion  So here are the 3 financial roads that you

結語 所以，以下是你的3條理財之路。

can take to become a millionaire. Of course, the Fastlane

可以採取成為百萬富翁。當然，快車道

is the most rewarding one where you can become a millionaire in just a few years and stay

是最有價值的一個，你可以在短短几年內成為百萬富翁，並保持

one for the rest of your life., but its also the most challenging one, which is why most

但也是最有挑戰性的，這也是為什麼大多數的人都會有這樣的想法。

people won't take it, but being a Sidewalker isn't sustainable, that's why the Slowlane

人們不會接受，但做 "人行道 "是不可持續的，所以才有了 "慢車道"。

is probably the best option for most people.

可能是大多數人的最佳選擇。

This video is based on a book, the Millionaire Fastlane by MJ Demarco, It's a brilliant read

這個視頻是根據MJ Demarco的《百萬富翁快車道》一書改編的，這是一本很精彩的書。

which I recommend to everyone. It's quite different from all other books on this subject.

我向大家推薦這本書。它和其他所有關於這個主題的書都完全不同。

I will leave a link in the description and also an affiliate link to audible, where you

我將在描述中留下一個鏈接，也是一個聯盟鏈接到audible，在那裡，你

can free the audiobook for free! Thanks for watching and Until next time.

可以免費的有聲讀物免費!感謝您的觀看，直到下一次。