Like most of you, I grew up knowing nothing about money except that I can use it to buy

和你們大多數人一樣，我從小對錢一無所知，除了可以用它來購買

what I want.

我想要什麼。

The only problem was that I didn't know how to make that money.

唯一的問題是，我不知道怎麼賺這個錢。

We grew up struggling financially, so my parents always had this idea that I should do my best

我們從小在經濟上就很拮据，所以我的父母總是有這樣的想法，我應該儘自己最大的努力。

to get a high paying job in a respectable company to lift my self out of desperate financial

在一家受人尊敬的公司找到一份高薪工作，讓我從絕望的經濟中解脫出來。

position.

位置：

In fact, I didn't even know what the stock market was until I was like 17 years old.

事實上，我甚至不知道什麼是股市，直到我17歲的時候。

And it took me sometimes to figure out how on earth does it works, and I learned it the

有時我也會花時間去弄明白它到底是怎麼運作的，而我也學會了。

hard way where I lost money, but eventually, I figured everything out.

艱難的方式，我失去了錢， 但最終，我想通了一切。

But there are certain things that I wish I just knew earlier.

但有些事情，我希望能早點知道。

I wish someone would have told me that when I was a little teenager.

我希望在我還是個小少年的時候，有人能告訴我這些。

I would have done a lot of things differently and saved a ton of money and time that I have

我會做很多不同的事情，並節省了大量的金錢和時間，我已經。

wasted to figure them out.

浪費了搞清楚他們。

So what I am going to do in this video is share them with you and save you a ton of

所以，我在這個視頻中要做的就是把它們分享給你，為你省下一大筆錢。

money and most importantly time.

錢，最重要的是時間。

Knowing these things will help you to get financially free sooner than you would otherwise.

瞭解這些事情，會幫助你比其他方式更快實現財務自由。

1. leverage turns good deals into great deals

1.槓桿將好交易變成大交易

If someone told me Back when I was 19 that you could use debt to make a fortune, I would

如果有人在我19歲的時候告訴我 你可以利用債務來發財，我一定會...

say, "you are an idiot" I would never ever go into debt because I grew up having such

說，"你是一個白痴 "我永遠不會去債務，因為我長大了有這樣的。

a negative opinion about debt, leave alone the interest you get charged on top of it.

對債務持否定意見，更不用說在債務之上收取的利息了。

But it turns out that debt isn't as bad as I imagined.

但事實證明，債務並沒有我想象的那麼糟糕。

It's actually good in some cases.

其實在某些情況下是不錯的。

Take this case, for example; let's say you want to buy a house and you have 1 million

以這種情況為例；比如說你想買房子，你有100萬的資金

dollars in cash, if you have a really strong credit score, you can get a 3 percent mortgage

美元的現金，如果你有一個非常強大的信用評分， 你可以得到一個3％的抵押貸款。

rate.

率。

Of course, you can spend that million dollars to buy a house, or you get a mortgage and

當然，你可以用這一百萬元去買房子，或者你去貸款，然後...

invest that million dollars elsewhere like the stock market, for example, and get let

比如說，把那一百萬美元投資到其他地方，比如說股票市場，然後被讓

say 7 percent annually.

說每年7%。

In the second scenario where you are using debt, you aren't just getting the house but

在第二種情況下，你使用債務，你不僅僅是得到了房子，而是

letting that money grow by an additional 4 percent (7-3).

讓這筆錢再增長4%（7-3）。

This is, of course, a super simple example because we didn't take into account the downpayment

當然，這是一個超級簡單的例子，因為我們沒有考慮到首付的問題

and the market fluctuations, but that's the idea in general.

和市場的波動，但這是總的想法。

Every successful real estate investor has used debt in some forms to be where they are.

每一個成功的房地產投資者都曾以某種形式利用債務來達到他們的目的。

Often they use their first mortgage as collateral to get the second one and rent it out and

他們往往用第一筆抵押貸款作為抵押物，獲得第二筆抵押貸款，然後把它租出去，並。

so on.

諸如此類。

Instead of saving to buy each property, you can use debt to save yourself decades worth

與其攢錢買每套房產，不如用負債為自己省下幾十年的錢。

of time.

的時間。

2.

2.

Tax loopholes are made to be used

稅收漏洞是為了利用

No one likes paying but the tax code isn't black and white, except the income tax where

沒有人喜歡交錢，但稅法並不是非黑即白的，除了所得稅，在那裡

it gets higher as you make more money, up to 37 percent.

隨著你賺的錢越多，它就越高，最高可達37%。

But its filed with loopholes where you could be making millions of dollars and pay absolutely

但它的備案與漏洞 你可以賺幾百萬美元，並支付絕對的

no taxes because on paper, you could be showing loss.

沒有稅，因為在紙面上，你可能會出現損失。

Let's say you have a 300K mortgagee with a mortgage rate of 3 percent.

比如你有一個30萬的抵押人，抵押率是3%。

You can deduct your mortgage interest from your rental income, which means if you make

您可以從您的租金收入中扣除您的抵押貸款利息，這意味著如果您賺取了

30K from that house, you can be deducing 9K from it (3% out of 300K).

3萬的房子，你可以從中扣除9K（30萬中的3%）。

Now instead of paying taxes on 30K dollars, out of a sudden, you only have to pay on 21K

現在你不用再交3萬塊錢的稅了，而是突然間只需要交2萬1千塊錢的稅了

dollars.

美元。

That's why it's even better to get a mortgage even if you can afford to buy the property.

所以說，即使有能力買房，也還是要貸款的。

There is also something called depreciation, almost everything we buy depreciates over

還有一種東西叫折舊，幾乎我們買的所有東西都會折舊，超過了

time and tax codes usually allow you to use depreciation as an expense although you lost

時間和稅法通常允許你使用折舊作為費用，雖然你失去了。

nothing and further lower your income on paper and minimize taxes.

什麼都沒有，進一步降低你的紙面收入，最大限度地減少稅收。

Companies use this strategy all the time.

公司一直在使用這種策略。

If you just pick the financial statements of any company, you will realize that they

如果你只是挑選任何一家公司的財務報表，你就會意識到，他們

always have deprecations in their income statements.

在其收益表中總是有折舊。

You can even avoid taxes when you sell that property if you end up buying another one

如果你最終購買了另一處房產，你甚至可以在出售該房產時避稅。

in return.

作為回報。

We can talk forever about the loopholes in the tax code, but that's the idea in general.

我們可以永遠談論稅法中的漏洞，但這是總的想法。

The next one is

下一個是

3.

3.

The more money you make, the easier it gets

賺的錢越多，越容易賺到錢

When you barely make ends meet, it's difficult to imagine making millions even hundreds of

當你勉強維持生計的時候，很難想象能賺到幾百萬甚至上億的錢

thousands.

數千人。

If you work overtime, you might somehow double your income.

如果你加班，你可能會以某種方式使你的收入翻倍。

But the truth is wealth doesn't work like, earning your first 100K dollars is much more

但事實上，財富並不像，賺取你的第一個10萬塊錢要比。

harder than making your first million dollars.

比賺取第一個一百萬美元還難。

Because as you make more money, more and more opportunities will open in front of you.

因為隨著你賺的錢越來越多，越來越多的機會會在你面前打開。

Saving to be able to get your first mortgage might take you a few years, at least, but

儲蓄到能夠獲得第一筆抵押貸款可能至少需要幾年的時間，但。

the second one gets a lot easier.

第二種就容易多了。

So don't be discouraged if you can't see yourself making more.

所以，如果你看不到自己賺的更多，也不要灰心。

Focus first on saving your first 20, 50 or 100K dollars or on getting your first property.

先把精力放在攢下第一筆2萬、5萬、10萬的資金上，或者放在買下第一套房產上。

Trust me; it gets way easier down the road.

相信我，以後的路會越來越好走。

Planing the first tree is the most difficult one.

規劃第一棵樹是最難的。

4.

4.

A single opportunity can make you a fortune

一個機會就能讓你發財

The average return on an investment in the market is about 6 to 10 percent and the only

在市場上投資的平均回報率約為6%至10%，而唯一的。

way to build a fortune is investing long term but there is another way, a faster way.

建立財富的方式是長期投資，但還有另一種方式，一種更快的方式。

There is literally a shortcut in building wealth, and it exists but its not easy.

積累財富從字面上看有一條捷徑，它存在但不容易。

In 2008 when the market crashed, home prices fell dramatically, they were sold at a fraction

在2008年市場崩潰時，房價急劇下降，他們以一小部分的價格出售。

of their value and whoever was ready for that opportunity jumped in and purchased multiple

的價值，誰準備好了這個機會，誰就會跳進去，購買多個

properties at a fraction of their real price.

以實際價格的一小部分購買房產。

A few years later made a fortune when home prices rose back to their value.

幾年後，當房價回升到價值時，賺了一筆。

During crises, cash is the king, and this pandemic is proof.

在危機期間，現金是王道，這次的流行就是證明。

In March, stock prices dropped by almost 50 percent and whoever was ready ended up making

3月份，股價下跌了近50%，誰都準備好了，最後卻賺到了

a fortune, so if you want to be ready for the next crises, you have to save, save and

一筆錢，所以如果你想為下一次的危機做好準備，你就得省，省，省。

save.

保存。

5.

5.

Don't explain your financial goals to anyone

不要向任何人解釋你的財務目標

One of the mistakes I made back when I was a little teenager is telling people my financial

當我還是個小青年的時候，我犯的一個錯誤就是告訴別人我的財務。

goals.

目標：

People start arguing with you, telling you why that is not possible, why it is not a

人們開始和你爭論，告訴你為什麼這不可能，為什麼這不是一個。

realistic goal, and so on.

現實的目標，等等。

That can discourage some people.

這會讓一些人望而卻步。

The truth, you know yourself and your situation much better than others.

其實，你比別人更瞭解自己和自己的情況。

Keep your goals, especially financial goals within yourself.

讓自己的目標，尤其是財務目標在自己的範圍內。

Of course, be rational with them, but the truth is no one really cares.

當然，要理智地對待他們，但事實是沒有人真正關心。

People sometimes feel jealous.

人們有時會感到嫉妒。

Sometimes they want to discourage you, so just keep working in silence and let your

有時他們想讓你洩氣，那就繼續默默工作，讓你的

results talk.

結果說話。

6.

6.

Always use the 80/20 rule

始終使用80/20規則

There are a million ways to make money, and that's not an over-exaggeration.

賺錢的方法有千萬種，這並不過分。

Some of them are going to work for you, and others won't.

其中有些會對你有用，有些則沒用。

What you have to do is find that one thing that makes you maximum income and then focus

你要做的是找到那件讓你收入最大化的事情，然後專注於

all of your energy on making the best out of it.

所有的精力都用在做最好的事情上。

Don't jump from one thing to another.

不要從一件事跳到另一件事。

Don't try to do a lot of things at the same, which is what I did back then and I see a

不要試圖同時做很多事情，這是我當年的做法，我看到一個

lot of people repeat the same mistake.

很多人重蹈覆轍

Have ever heard of the 80/20 rule, where 80% of the outcome come from 20% of the causes.

有沒有聽說過80/20法則，即80%的結果來自20%的原因。

It applies to money as well, 80 percent of your income comes from 20 percent of your

這對金錢也適用，你80%的收入來自於你20%的收入。

work, so focus only on them.

工作，所以只關注它們。

7. and finally, There are things that money can't buy

7.最後，有些東西是錢買不到的。

When you are living paycheck to paycheck, you imagine that money can buy anything.

當你過著薪水至上的生活時，你會想象錢可以買到任何東西。

That's not true, anyone who makes a lot of money can tell you.

不是這樣的，賺大錢的人都能告訴你。

Money of course solves a lot of problems and makes life a lot better and you should strive

錢當然可以解決很多問題，讓生活變得更美好，你應該努力的是

to make a lot of money but there are things that money can't buy like friendship, just

賺到很多錢，但有些東西是錢買不到的，比如友誼，只是

good times with friends, a dinner with family.

與朋友的美好時光，與家人的晚餐。

While you are building your wealth, enjoy these little things along the way, build great

在你積累財富的同時，也要享受這一路的小事，建立偉大的

relationships, have fun.

關係，有樂趣。

Money isn't gonna help you with that.

錢是不會幫你的。

And now it's your turn, what is that one thing about money you think everyone should know?

現在輪到你了，你認為每個人都應該知道的關於錢的那件事是什麼？

What is the most important thing you have ever leart about money?

關於錢，你最重要的事情是什麼？

Let me know in the comments below, and now its time to give this video the thumbs up

讓我在下面的評論中知道，現在是時候給這個視頻豎起大拇指了。

it deserves and if you want to learn more about money then subscribe and turn on your

如果你想了解更多關於金錢的知識，請訂閱並開啟你的

notifications!

通知

What are you waiting for?!

你還在等什麼？

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。