back then, you would have made almost 1.3 million dollars ( $1,291,860). Let's say you

那時候，你會賺到將近130萬美元（1,291,860美元）。假設你

would have been a bit more generous and invested a hundred thousand dollars. Your net worth

會更大方一點，投資十萬塊錢。你的淨資產

would be 129 million dollars. Unfortunately, you missed your opportunity. But you shouldn't

將是1.29億美元。不幸的是，你錯過了你的機會。但你不應該

be sad because, in the middle of so many worthless online companies that were launched in the

是悲傷的，因為，在這麼多的無價值的網絡公司，在推出的中間。

1990s, it was extremely difficult to predict that Amazon will be one that will cross a

20世紀90年代，極難預測亞馬遜會是一個將跨過一個

trillion-dollar valuation 20 years later. However, we are now in the middle of another

20年後的萬億美元估值。然而，我們現在正處於另一個

great opportunity, even if you do not have a hundred thousand dollars, you can make a

大好機會，即使你沒有十萬塊錢，也能賺個

difference by investing as little a thousand dollars. So, let's start with the first one.

只需投資一千元，就能獲得不同的收益。那麼，我們先來看看第一種。

Pick up 2 to 3 stocks.

拿到2到3只股票。

I know that many of you would point fingers at me and say that you need much more than

我知道你們很多人會對我指手畫腳，說你們需要的不僅僅是

that to earn a reasonable amount out of the stock market.

即從股市中賺取合理的金額。

And I totally agree with you. But I want you to look at it from a different angle.

我完全同意你的觀點但我想讓你從另一個角度看問題。

In the last 12 years, the stock market has only been growing. If you take a look at any

在過去的12年裡，股市只增不減。如果你看一下任何

well-established company, you will realize that their stock has been going upward. But

老牌公司，你會發現他們的股票一直在上漲。但是，你會發現，他們的股票一直在上漲。

due to the unforeseen pandemic, everything is down.

由於不可預見的疫情，一切都癱瘓了。

But we all perfectly know that sooner or later the pandemic is going to be over and life

但我們都很清楚，這場大瘟疫遲早會結束，生活也會變得更美好

will get back to normal at least to a certain extend.

至少在一定範圍內會恢復正常。

Companies like apple and coca-cola and a

蘋果、可口可樂等公司，以及一家。

few others are so great that the risk they would go broke is shallow because they sell

少數人的風險太大，以至於他們會破產的風險很淺，因為他們賣的是

products that people either need or strongly desire and they are perfect at doing that.

人們需要或強烈渴望的產品，他們在這方面做得很完美。

But right now their stocks are sold at a huge discount, like 30 to 40 percent, and if we

但現在他們的股票是以巨大的折扣出售的，比如30%到40%，如果我們

are going to a recession, then you can expect a further drop.

正在走向衰退，那麼你可以期待進一步的下跌。

So it's a perfect opportunity to double

所以，這是一個完美的機會，雙

your thousand dollars or even triple in a very short period of time. Take an example

你的千元甚至在很短的時間內翻了三倍。舉個例子

of Adobe. It was down by 20 percent, but since they create products we all need, the stock

的Adobe。下跌了20%，但由於他們創造了我們都需要的產品，所以股價

price has almost completely recovered. Whoever invested at that already made a huge return

價格幾乎已經完全恢復。誰在那個時候投資，已經獲得了巨大的回報

in just a few months.

在短短几個月內。

Don't choose many companies, two to three would be a perfect choice.

不要選擇很多公司，兩到三家是最完美的選擇。

You can of course, bet on some of the riskier companies such as airlines that have suffered

當然，你可以把賭注押在一些風險較大的公司上，比如遭受過的航空公司。

more or automakers but remember, if you are going to take a bigger risk, you should be

更多或汽車製造商，但請記住，如果你要承擔更大的風險，你應該是

willing to lose that money in case if things go wrong.

願意損失這些錢，以防萬一出了問題。

2. my next choice is Gold

2.我的下一個選擇是黃金

Before you throw at me, your angry comments.   - you told us not to invest in Gold in a

在你扔在我，你的憤怒的評論。 - 你告訴我們不要投資黃金在一個。

previous video! Why are you telling us to invest in Gold now?

為什麼現在叫我們投資黃金？

Let me make my case. Gold is, of course, not a great investment, and it's quite useless

讓我說說我的理由。當然，黃金不是什麼好的投資品，而且很沒有用處

in many cases. I am not denying the fact that it has some purpose, but so does iron and

在很多情況下。我不否認它有一定的作用，但鐵和鐵也有一定的作用。

many other metals, but it does not produce anything, it just sits in the corner and shines,

許多其他金屬，但它不產生任何東西，它只是坐在角落裡發光。

it might make you feel good when you look at it, but that's about it.

它可能會讓你感覺很好 當你看到它，但這是關於它。

Gold's most important role throughout history has been preserving wealth. The future is

黃金在歷史上最重要的作用就是保值財富。未來是

unpredictable, financial crises, wars, instabilities happen all around the world, but the faith

不可預知，金融危機、戰爭、不穩定因素在世界各地都會發生，但信仰

in Gold never fades away. Yes, of course sometimes it's high, other times its low, but its always

在黃金中永不褪色。是的，當然有時它是高的，有時它是低的，但它總是。

there in some form. In fact, when there was a gold standard, inflation

以某種形式存在。事實上，當有金本位制的時候，通貨膨脹

was literally at zero percent.

是字面上的百分之零。

But why Gold is a good investment now.

但為什麼黃金現在是一個很好的投資品。

During good times, when the economy is doing fine, companies are growing, the GDP is hitting

在經濟好的時候，經濟好的時候，企業在發展，GDP在達到

records high. So, gold prices do not rise that much, they rise together with the rate

紀錄高位。所以，金價並沒有漲那麼多，它們是隨著漲幅一起上漲的

of inflation. Investing in Gold would be a horrible choice when you have an opportunity

的通貨膨脹。當你有機會投資黃金時，投資黃金將是一個可怕的選擇。

to invest in the stock market and double or triple your rate of return.

在股市投資，雙倍或三倍的回報率。

However, when there are chaos and instability.

然而，當出現混亂和不穩定的情況時。

People are afraid, their primary concern isn't to make more money even though its a golden

人們都害怕，他們最關心的不是賺更多的錢，即使它是一個金色的。

opportunity but not to lose the money they already have. And they would do everything

機會，但不能失去他們已經擁有的錢。他們會做一切

to preserve it. So when they see that the stock market is doing terrible, often people

來保存它。所以，當他們看到股市表現得很糟糕時，往往人

move their wealth to Gold because they know that, Gold will always keep its value, that's

他們把財富轉移到黃金上，因為他們知道，黃金將永遠保持它的價值，那就是

why during any instability, gold prices soar.  In the last 6 month, since this pandemic has

為什麼在任何不穩定的時候，金價都會飆升。 在過去的6個月裡，由於這種流行病已

started, gold prices rose from 1450 USD to 1700, and if the crises keep going, gold prices

開始，金價從1450美元漲到1700美元，如果危機持續下去，金價將

will keep rising.

將會不斷上升。

But here is a problem, sooner or later, the crises will be gone, and people's confidence

但這裡有一個問題，危機遲早會過去，人們的信心也會消失

in the stock market will be back. So more and more people will invest in the stock market

在股市中會重現。是以，越來越多的人會投資股市

and less and less in Gold, which means that gold prices will fall.

而黃金的數量越來越少，這意味著金價將下跌。

That's why you have to exist the market at the right time before gold prices will

這就是為什麼你必須在合適的時間存在市場，金價才會

collapse. When is that going to happen? Well, that's your job to figure out.

崩潰。什麼時候會發生？嗯，這是你的工作，弄清楚。

3. Start a low-cost business

3.低成本創業

Back in the 1990s, when the internet was getting popular, some of the greatest companies emerged,

早在上世紀90年代，互聯網開始普及的時候，就出現了一些最偉大的公司。

Google, eBay, PayPal, and a dozen more. People literally made billions of dollars. Mark Cuban

谷歌、eBay、PayPal，還有十幾個。人真的賺了幾十億美元。馬克-庫班

made an online radio and sold it to Yahoo for over 4 billion dollars. And I believe

做了一個網絡電臺，以40多億美元的價格賣給了雅虎。而我相信

right now we have a similar opportunity, maybe not as big as the dot com bubble, but essential

現在我們也有類似的機會，也許沒有網絡保麗龍那麼大，但也是必不可少的。

nonetheless. Because suddenly we all have to stay at home,

儘管如此，。因為突然間我們都得呆在家裡。

but businesses can't afford that, they have to find a way to keep making money.

但企業承受不起，他們必須想辦法繼續賺錢。

So if you are a developer or passionate about that, right now with as little as a

所以，如果你是一個開發者或者熱衷於此的人，現在只要你有一個

few hundred dollars or even a thousand, you can build up something simple but helpful.

幾百美元甚至一千美元，你可以建立一些簡單但有用的東西。

Maybe an app that will help us to stay connected

也許一個應用程序，將幫助我們保持連接。

while we are stuck at home. Since gyms are closed, and a lot of people would avoid going

而我們卻被困在家裡。由於健身房是關閉的，很多人都會避免去。

to the gym until a vaccine will be available, an app that will help you to more effectively

到健身房，直到有了疫苗為止，這款應用將幫助你更有效地。

work out at home would be a good idea. For god's sake, if you actively work out, you

在家鍛鍊會是一個好主意。看在上帝的份上，如果你積極鍛鍊，你就會

can start recording videos on how to work out at home.

可以開始錄製視頻，介紹如何在家健身。

Since I stopped going to the gym, all I

自從我不再去健身房後，我就只知道

do is google and watch YouTube videos on the best home workouts for chest, biceps, shoulders,

做的是谷歌和觀看 YouTube 視頻上最好的家庭鍛鍊胸部、 二頭肌、 肩膀。

legs. I don't want to lose all my gains due to this virus, and I am sure there are plenty

腿。我不想因為這個病毒而失去我所有的收穫，我相信有很多的

of other people like me as well.

其他像我一樣的人的。

Or even if you don't have any valuable skills. Spend a few hundred dollars to learn one as

或者即使你沒有任何有價值的技能。花幾百塊錢學一門作為

soon as possible. Such as online and social media marketing. Spend another few hundred

儘快。如網絡和社交媒體營銷。再花幾百

dollars to test your knowledge. And confront any business that is stuck in this crisis.

元來檢驗自己的知識。而面對任何一個陷入這場危機的企業。

They are desperate to find a way to keep the business running.

他們迫切地想找到一種方法來維持企業的運轉。

Colleges and universities were one of the

大專院校是其中之一。

first places that were closed down. And they will try to go online as much as possible,

最先被關閉的地方。而且他們會盡量上網。

sounds like a perfect opportunity to teach online.

聽起來像一個完美的機會，在線教學。

There is literally an endless number of opportunities, do not jump into all of them.

從字面上看，有無窮無盡的機會，不要全部跳進去。

You just have a thousand dollars. Pick up one and go all in.

你只是有一千塊錢。拿起一個，然後全力以赴。

Of course, there is a chance that it might

當然，也有可能是...

not work out, but if you make it happen, returns are incredibly high.

不成功，但如果你成功了，回報率會高得驚人。

4. next, Cover your high-interest debts

4.接下來，覆蓋你的高息債務。

Credit cards are great. I believe everyone should use them responsibly, and I want to

信用卡是偉大的。我相信每個人都應該負責任地使用它們，而我想。

underline responsibly. Because if you wish to be qualified for a mortgage, be trusted

負責任的下劃線。因為如果你想獲得抵押貸款的資格，要相信

by financial insinuations to get a loan for your business, you need a good credit score.

由金融影射要想獲得企業貸款，你需要一個良好的信用評級。

And to build it, you need to use a credit card.

而要建立它，你需要使用信用卡。

However, quite often, people blow it up,

然而，不少時候，人們卻把它吹得天花亂墜。

and interest rates on credit cards are freaking insane like 15, 20 percent. You must be financially

而信用卡的利率是嚇人的瘋狂 像15％，20％。你必須是財務

super irresponsible to pay that much interest.  20 percent on a thousand dollar debt is

超級不負責任的支付這麼多的利息。 一千塊錢的債務要付20%的利息

200 bucks.  Of course, that doesn't apply to all of your

200塊錢 當然，這並不適用於你所有的。

debts. If you have a student loan or a mortgage, it will be wise to pay just enough to keep

債務。如果您有學生貸款或抵押貸款，明智的做法是隻支付足夠的費用，以維持您的生活。

it going while investing the rest of the money.

它去，而投資其餘的錢。

But whatever returns you make on your investments, your credit card interest will outweigh them.

但無論你在投資上取得怎樣的回報，你的信用卡利息都會超過它們。

Especially, in the long run, those interests will accumulate much faster due to the effect

尤其是，從長遠來看，由於效果，這些利益的積累會更快。

of compound interest.  That's why getting rid of such debt should

的複利。 這就是為什麼擺脫這種債務應該是

be your first priority.

是你的首要任務。

5. And lastly, Give your old self a gift

5.最後，給你的舊自己一份禮物

This is not the best option, and I wouldn't choose this option personally. Nonetheless,

這不是最好的選擇，我個人也不會選擇這個選項。儘管如此，。

it might be a good option for some. We have already talked a couple of times about investing

對於一些人來說，這可能是一個不錯的選擇。我們已經說過幾次關於投資

in an index fund, but of course, that one grand doest seem to make a difference. However,

在指數基金中，但當然，這一千塊錢似乎是不同的。然而，

numbers tell us a different story.

數字告訴我們一個不同的故事。

The returns on the stock market are different every year. Some years its as high as 10 to

股市的回報率每年都不同。有些年份其高達10至

20 percent, other times its as low as 5 percent, barely beating inflation. However, over a

20%，其他時候則低至5%，勉強跑贏通脹。然而，在一個

long period, the average rate of return has been 10 percent.

長期以來，平均收益率為10%。

And with compound interest, that 1k dollars

再加上覆利，那1千塊錢

turns into 53,700 USD over 40 years. Of course, 54K is going to worth much less 40 years from

40年後變成53700美元。當然，從40年後，5.4萬的價值將大大降低。

now, but still would be a considerable amount.

現在，但仍將是一個相當大的數目。

If you are afraid of taking risks and you literally don't know what to do with that

如果你害怕冒險，而你又真的不知道該怎麼處理這個問題

thousand bucks. I think it would be better if you keep it in an index fund and use it

一千塊錢。我覺得如果你把它放在指數基金裡，用它來

when you retire. Who knows how your life will end up when you are 60 or 70 years old. That

當你退休的時候。誰也不知道當你六七十歲的時候，你的人生會有怎樣的結局。那

53K might be crucial for you. Again, it's not a perfect option, but worth

5.3萬對你來說可能是至關重要的。同樣，這不是一個完美的選擇，但值得

considering for some.

考慮到一些。

I hope you guys have enjoyed this video, make sure you give this video a thumbs up and leave

希望你們喜歡這個視頻，一定要給這個視頻豎起大拇指，並留下。

a comment because that will really help the channel.

一條評論，因為這將真正幫助管道。

And of course, hit that subscribe button if you are new around here.

當然，如果你是新來的，請點擊訂閱按鈕。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。