Google back when it was just getting started. That's exactly what David Cheriton did and

谷歌剛剛起步的時候。這正是大衛-謝里頓所做的，也是

today his net worth is over 6 billion dollars. That's probably one of the best investments

如今他的淨資產已經超過60億美金。這可能是最好的投資之一

ever!

永遠！

However, not everyone gets such a chance to become a billionaire, not everyone has an

然而，並不是每個人都有這樣的機會成為億萬富翁，並不是每個人都有一個

extra hundred grand to throw it at another startup, nonetheless,, there are endless number

額外的十萬塊錢扔到另一個創業公司，儘管如此，有無窮無盡的數量的

of opportunities all around. In fact, 1700 people just in the US are becoming millionaires

的機會都在身邊。事實上，僅在美國就有1700人成為百萬富翁。

every single day. And if you want to be one of them, you gotta

每一天。如果你想成為他們中的一員，你就得

start somewhere, but here is the problem. 40 percent of Americans can't even cover

開始的地方，但這裡的問題是：40％的美國人甚至不能覆蓋

unexpected thousand dollar bill, because they are just living paycheck to paycheck, so most

意外的千元鈔票，因為他們只是靠工資生活，所以大部分

people can't even pull out a thousand dollars to invest.

人們甚至無法拿出一千美元來投資。

But a hundred bucks!  easy!

但是，一百塊錢！很容易。

almost everyone can afford that. However, it seems like you can't do much with it,

幾乎每個人都能買得起。不過，似乎你也不能用它做什麼。

since even for example a single apple stock costs twice that amount, and I am not even

因為即使例如一個單一的蘋果股票成本的兩倍，金額，我甚至不

talking about amazon or google.

談論亞馬遜或谷歌。

Even index funds are not an option, how much do you think a hundred bucks over 40 years

就算是指數基金也不行，40年一百塊錢，你覺得多少錢？

with 8 percent returns would amount? Just a little over $ 2100 ($2172).

與8%的回報率將達到?只有2100多美元（2172元）。

But don't worry, because there are actually legit great ways to invest even as little

但不用擔心，因為其實有合法的好方法，即使是很小的投資，也能讓你的生活更美好。

as a hundred bucks That I have used and will share with you here in this video.

作為一百塊錢，我已經使用，並將與您分享在此視頻。

So let's start with the first one.

那麼，我們先來看看第一種。

Start a business. I know that it sounds cliché because to start

創業。我知道這聽起來很老生常談，因為要開始

a business, it seems like you clearly need much more than a hundred bucks.

一筆生意，看來你需要的顯然不止一百塊錢。

But believe or not, there are actually a handful number of businesses you can start with as

但不管你信不信，其實有少量的業務可以作為你的起步。

little as a hundred bucks. the problem is that, when we think of starting a business,

問題是，當我們想到創業的時候。

we imagine big businesses and ignore all the small ones that are much easier to start.

我們想象著大企業，卻忽略了所有更容易創業的小企業。

You can buy a Lawn Mowers for a hundred bucks for example, and start a side business cutting

比如說，你可以用一百塊錢買一臺割草機，然後開始做割草的副業。

your neighbor's grass. In fact, I started this channel with just

你鄰居的草。事實上，我開始這個頻道的時候，只有

a hundred bucks. I am not one of those guys who started watching youtube since its early

一百塊錢。我不是那種從早期就開始看youtube的人。

days but much much later. and I realized that most of these Youtubers just share their

我意識到，這些Youtubers大多隻是分享他們的。

ideas and experiences, even the most successful ones started with almost nothing.

思想和經驗，即使是最成功的人也幾乎是白手起家。

So I said to my self, I have a lot of ideas too, how about I start sharing them with the

於是我對自己說，我也有很多想法，不如我開始和大家分享吧。

world. Let's see how that goes. I ordered a blue yeti microphone for a little

世界。讓我們看看如何去。我訂了一個藍色的大雪人麥克風的小。

over a hundred bucks and started making videos. I have to admit that, There were absolutely

一百多塊錢，開始製作視頻。我不得不承認，有絕對

horrible because I knew almost nothing about video editing or animations and I didn't

因為我對視頻編輯和動畫幾乎一無所知，而且我沒有

really care much because it was more like a hobby than a real business.

因為它更像一個愛好而不是一個真正的生意。

But then I slowly started improving the quality and somehow it started picking up, so I had

但後來我慢慢開始提高質量，不知怎麼就開始有了起色，於是我有了

to hire animators and now it's like a little business.

聘請動畫師，現在就像一個小生意。

You don't necessarily have to start a youtube channel, there are endless number of online

你不一定要開一個youtube頻道，有數不盡的在線。

businesses that do not require a lot of capital. Let's say you are good at playing a guitar

不需要大量資金的業務。比方說，你擅長彈奏吉他

or violin, you can find someone who can help you with shooting and editing it for as little

或小提琴，你可以找人幫你拍攝和編輯，只需花很少的錢

as a hundred bucks.  Turn it into an online course and sell it

作為一百塊錢。 把它變成一個在線課程，並出售它

online. And the great part about it is that, you don't even need a website because right

在線。而最棒的是，你甚至不需要一個網站，因為正確的

now there are multiple great platforms to sell courses for free!

現在有多個大平臺可以免費銷售課程!

And if it turns out to be successful, you can slowly turn it into a legitimate business.

如果結果是成功的，你就可以慢慢把它變成一個合法的生意。

You can easily earn back your money and make much more.

你可以輕鬆賺回本錢，賺得更多。

We are lucky to be live in this age, because no matter where you are in the world, pretty

我們很幸運能生活在這個時代，因為無論你身處世界的哪個角落，漂亮的

much everyone has internet. So this is probably a great option for most people.

很多人都有互聯網。所以這對大多數人來說可能是個不錯的選擇。

2. Number 2, Trade some stocks

2.第2，交易一些股票

A lot of people keep watching videos or read about the stock market, hoping to start investing

很多人不斷地看視頻或閱讀股市，希望開始投資。

one day. If you haven't bought a single stock, the world of the stock market is probably

有一天如果你沒有買過一隻股票，股市的世界可能是

quite ambitious to you. When you actually get in and start, a lot

對你來說，很有野心。當你真正進入並開始工作時，有很多人

of things start getting clear.

的事情開始變得清晰。

Reading and watching videos about the stock market is one thing and investing or trading

閱讀和觀看有關股市的視頻是一回事，投資或交易

is something else. What seems so obvious in theory isn't that easy in practice.

是另外一種東西。理論上看起來很明顯的東西，在實踐中卻不是那麼容易。

When you buy a stock and it goes down right in front of your eyes, you get emotional,

當你買了一隻股票，而它就在你眼前下跌的時候，你就會情緒激動。

your brain stops working and your emotions get in charge, all that will be in your mind

你的大腦停止工作，你的情緒得到控制，所有的一切都將在你的腦海中。

is to minimize losses. That's when you really learn. The point isn't

是為了將損失降到最低。這才是你真正學習的時候。重點不在於

to turn that 100 bucks into a thousand, but to experience the market.

要把這100塊錢變成1000塊錢，但要體驗市場。

Because when you are trading with real money, you will be much more careful and cautious.

因為當你用真金白銀交易時，你會更加小心謹慎。

since your money is at stake. It's actually fun to look for the right company

因為你的錢是有風險的。其實尋找合適的公司是一件很有趣的事情。

to throw your money in. You will read about many different companies, analyze their financial

將你的錢投進去。您將閱讀許多不同的公司，分析他們的財務狀況。

statements, figure out if their price is undervalued or overvalued and then make up your mind if

報表，弄清楚他們的價格是被低估了還是被高估了，然後再下定決心，如果

this company worth your money or not. This experience totally worth it even if you

這家公司值得你的錢或不。這種經驗完全值得，即使你

lose a hundred bucks. In fact, if you decide to invest a larger amount, you will at least

損失一百塊錢。事實上，如果你決定投資更多的金額，你至少將

know how the market works.

知道市場如何運作。

3. Thirdly, Invest In books

3.第三，投資於書籍

I grew up watching my parents live paycheck to paycheck, and struggle financially. And

我從小看著父母的工資生活，經濟上也很拮据。而

I promised my self that when I grow up, I am not gonna live like that.

我向自己保證，等我長大了，我不會這樣生活。

But the problem was that, I didn't know how to do that. My parents told me that if

但問題是，我不知道該怎麼做。我父母告訴我，如果

I keep getting good grades, I will find a good job when I grow up and I won't have

我的成績一直很好，我長大後會找到一份好工作，我不會有

to worry about money. But at some point, I started reading books

擔心錢的問題。但在某些時候，我開始看書

outside the school and accidentally came across rich dad poor dad and that's where the magic

在學校外面，不小心碰到了富爸爸窮爸爸，這就是神奇的地方。

happened. I was introduced to the world of money and to be honest I was shocked about

發生了。我被引入了金錢的世界，說實話，我很震驚於

how little I knew about money even though I use it every day.

雖然我每天都在用錢，但我對錢的瞭解卻很少。

You probably have heard this a million times, but the moment you make that shift in your

你可能已經聽過無數次了，但當你在你的生活中做出這種轉變的那一刻

mentality, your perspective changes, and you will start making different decisions that

心態，你的觀點就會發生變化，你會開始做出不同的決定，而這些決定

will slowly lead you to financial independence.

會慢慢引導你實現財務獨立。

a lot of people watch a video or two here on youtube and then they think that they are

很多人在youtube上看了一兩個視頻，然後他們認為他們是。

financial gurus.  Let me ask you something, how many videos

金融大師。 我問你一個問題，有多少視頻

you have watched for the past week, dozens if not hundreds, because youtube is entertainment,

在過去的一週裡，你已經看了幾十個，甚至上百個，因為youtube是娛樂。

you might learn a thing or two, but its not gonna stick like when you read a book, because

你可能會學到一兩樣東西，但它不會像你看書那樣堅持下去，因為... ...

usually it takes you a couple of days if not weeks to finish a single book and by then

通常情況下，你需要幾天甚至幾周的時間來完成一本書，到那時

these ideas will be embodied in you. Some of my favorite books on this matter are - the

這些理念會在你身上體現出來。關於這個問題，我最喜歡的一些書是--。

millionaire Fastlane, Secrets of the millionaire mind, rich dad poor dad and few others. I

百萬富翁快車道》、《百萬富翁心靈的祕密》、《富爸爸窮爸爸》等幾部作品。I

will just put them in the description.

會只是把它們放在描述中。

4. Number 4, Buy and sell something

4.4號，買賣東西

A lot of people don't have even basic business experience. They are so drained into the system

很多人連基本的商業經驗都沒有。他們在體制內被榨乾了

where they haven't made a single penny outside their job.

他們在工作之外沒有賺過一分錢。

So, when you tell them to start a business, they keep postponing it because its a strange

所以，當你告訴他們創業的時候，他們一直在延後，因為它是一個奇怪的

world for them.

世界對他們來說。

But Business is all about selling and most businesses do not even build their products

但做生意就是要賣貨，大多數企業甚至連產品都沒有打造好

but rather just buy low and sell high. The grocery store besides your house for example.

而只是低買高賣。比如你家之外的雜貨店。

They do not produce what they sell. They have a supplier.

他們不生產他們賣的東西。他們有一個供應商。

The process of business is simpler than you think but quite difficult to implement.

業務的流程比你想象的簡單，但實施起來相當困難。

The good news is that you don't have to spend big and open your store to learn that,

好消息是，你不需要花大價錢，開店就能學會。

you can just go to eBay and find something that you can resell to your neighbors for

你可以去eBay上找些東西，你可以轉賣給你的鄰居，以

example for a slightly higher price. That experience will improve your social skills,

例，價格稍高。這種經驗會提高你的社交能力。

analytical skills and negotiating skills. You might not make a lot of money out by buying

分析能力和談判能力。你可能不會通過買入的方式賺到很多錢。

and selling with a hundred bucks. However, you will learn much more than you will do

並以百元的價格出售。然而，你會學到更多的東西，而不是你會做什麼

with a 4-year degree in business. You will have to analyze the market, who would

具有4年制商科學位。你要分析市場，誰會？

be your potential consumers, what would be the appropriate price, how to deal with your

是你的潛在消費者，什麼是合適的價格，如何處理你的潛在消費者？

clients and on and on. In fact, there are actually people who make

客戶等等。事實上，有的人其實是在做

a living out of these. But if you think that's not for you, here

以此為生但如果你認為這不適合你，這裡有...

is another idea.

是另一種想法。

5. Learn a valuable skill, what you can also do is to use that hundred

5.學到了一項寶貴的技能，你還能做的就是用那百

bucks to learn a skill that will earn much more later on. This is probably the best option

塊錢來學習一門技能，以後會賺得更多。這可能是最好的選擇

if you are struggling financially or looking for a side hustle. You can invest in a social

如果你在經濟上有困難或正在尋找副業。你可以投資於一個社會

media course, every business is now looking for someone who actually understands how these

媒體課程，現在每個企業都在尋找一個真正瞭解這些的人

algorithms work.

算法工作。

Or you can learn graphic designing, copywriting, web designing. There are endless number of

或者你可以學習平面設計、文案、網頁設計。有數不盡的

online opportunities. Of course, you can find free materials, even here on youtube, so why

網上的機會。當然，你可以找到免費的材料，甚至在這裡的youtube，所以為什麼

buy a course. Usually, the free stuff isn't as good as

購買課程。通常情況下，免費的東西並不像

paid courses, they are better organized and after taking the entire course, you feel like

付費課程，他們組織得比較好，而且在學習完整個課程後，你會感覺到自己像

you actually learnt the skill, compare to the free stuff where you have to keep searching

你真的學會了技能，比起免費的東西，你必須不斷地搜索。

for everything separately.

為一切分別。

And secondly, once you pay for something, you feel obligated to take that course, because

其次，一旦你付了錢，你就會覺得自己有義務學習這門課程，因為

you just spend a hundred bucks.

你只要花一百塊錢。

in fact, it will probably motivate to take action after taking the course to earn back

事實上，這很可能會促使你在參加完課程後採取行動，把錢賺回來。

the money that you spent on the course.

你花在課程上的錢。

Conclusion

結論

A hundred bucks isn't a lot of money, and you can't do much with it, so all the options

一百塊錢並不是很多，而且你也不能用它來做什麼，所以所有的選項

we discussed in this video are more about educating yourself. Stepping up your business

我們在這個視頻中討論的更多的是關於教育自己。加強你的業務

and analytical skills and getting valuable experience that will payback in the long run.

和分析能力，並獲得寶貴的經驗，長期下來會有回報。

But Now, it's your turn, how or where would you

但現在，輪到你了，你會怎麼做，或者在哪裡做

invest your first hundred bucks? Thanks for watching and until next time.

投資你的第一百塊錢？謝謝你的觀看，直到下一次。