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  • 5 Basic Money Skills You Need To Know

    你需要知道的5個基本理財技能

  • We talk a lot about the stock market here on this channel, analyze the stocks and try

    我們在這個頻道上經常談論股市,分析股票,並嘗試

  • to figure out where the market is headed to.

    以弄清市場的走向。

  • That's all, of course, important; however, to start your journey of getting to financial

    當然,這一切都很重要;但是,要想開始你的理財之旅,就必須要有一個好的開始。

  • independence, you first need to master the basic money skills to improve your financial

    獨立,你首先要掌握基本的理財技巧,提高自己的財務

  • literacy.

    作家。

  • For some reason, a lot of people believe that just because they can spend money, they know

    不知道為什麼,很多人認為只要會花錢就知道了

  • how to manage it, which is not the case.

    如何管理,事實並非如此。

  • Managing money is an art.

    理財是一門藝術。

  • The reason why a company like Apple has been so successful is because it has a team of

    像蘋果這樣的公司之所以如此成功,就是因為它有一個團隊。

  • incredible accountants who have been playing around with tax regulations to keep most of

    不可思議的會計師,他們一直在玩弄稅收法規,以保持大部分的。

  • what apple makes to apple so that they can keep investing in themselves to keep producing

    蘋果給蘋果做了什麼,讓他們可以繼續投資自己,繼續生產。

  • innovative products.

    創新產品。

  • It not just Apple.

    不僅僅是蘋果。

  • The current US president has been avoiding taxes for years.

    美國現任總統多年來一直在避稅。

  • Despite his 3.5 billion-dollar fortune, the president has only paid 750 dollars in federal

    儘管總統擁有35億美元的財富,但他只支付了750美元的聯邦。

  • taxes in 2017 and had completely avoided taxes in many prior years.

    2017年的稅收,並且在之前的很多年裡完全避開了稅收。

  • We will not dive deep into accounting skills and the methods they use to avoid taxes because

    我們不會深究會計技能和他們避稅的方法,因為

  • we have covered that in one of the previous videos, which link I will leave in the description.

    我們在之前的一個視頻中已經介紹過了,我將在描述中留下這個鏈接。

  • But we will shed some light on 5 basic money skills that you should know.

    但我們會對你應該知道的5個基本理財技能進行一些說明。

  • In fact, they are so important that everyone should know them.

    事實上,它們非常重要,每個人都應該知道它們。

  • Number 1 - Asset vs. liabilities

    第1號----資產與負債

  • If you have read the book rich dad poor dad, the most important idea the author is trying

    如果你讀過《富爸爸窮爸爸》這本書,作者最重要的理念是想

  • to get to his audience is the difference between Assets and liabilities.

    要讓他的聽眾知道的是資產和負債的區別。

  • The reason why so many people are struggling financially is because they don't understand

    之所以有那麼多人在經濟上苦苦掙扎,是因為他們不瞭解

  • the difference between assets and liabilities.

    資產和負債之間的差異;

  • An asset is anything that puts money into your pocket, whereas a liability is anything

    資產是任何能把錢放進你口袋的東西,而負債是任何

  • that takes money out of your pocket.

    從你口袋裡掏錢

  • The concept looks so simple, but yet most people get it wrong.

    這個概念看起來很簡單,但大多數人卻搞錯了。

  • People buy houses, cars and think that they are acquiring assets when, in reality they

    人們買房、買車,認為自己是在獲取資產,而實際上,他們

  • are not.

    不是。

  • When you buy a home, you have to pay taxes, utilities, insurance, and so on.

    買了房,就要交稅、交水電、交保險等等。

  • It constantly takes money out of your pocket, which means it's lability.

    它不斷地從你的口袋裡掏錢,這意味著它的滯銷性。

  • Your car is also a liability.

    你的車也是一種責任。

  • You have to buy fuel, pay insurance, maintenance and so on.

    你要買油,要交保險,要保養等等。

  • However, if you rent that car out and it brings more money than it takes, then it turns into

    然而,如果你把那輛車租出去,它帶來的錢比它拿走的多,那麼它就變成了。

  • an asset.

    是一種資產。

  • The same applies to a house.

    同樣的道理也適用於房子。

  • If you rent it out and after subtracting all the expenses and it ends up generating income,

    如果你把它租出去,減去所有的費用後,最後就會產生收入。

  • then it's an asset.

    那麼它就是資產。

  • The rich buy assets, the poor buy liabilities, and the middle class buys liabilities that

    富人買資產,窮人買負債,中產階級買的是負債,而這些負債是

  • they think are assets.

    他們認為是資產。

  • 2.

    2.

  • Number 2 - Taxes

    第2項 -- -- 稅收

  • Taxes are one of the most complicated things out there, and that's not by accident.

    稅收是最複雜的事情之一,這不是偶然的。

  • They are meant to be complicated so that your average folk wouldn't understand them.

    他們的目的是複雜的,所以你的普通老百姓不會理解他們。

  • The tax code is written by the rich to keep them rich.

    稅法是富人寫的,是為了讓他們富起來。

  • While on paper, it seems like the tax rates on the rich people are high, in reality, rich

    雖然從紙面上看,富人的稅率似乎很高,但實際上,富人的

  • people pay a small amount or, in some cases, close to nothing in taxes.

    人們只繳納少量的稅款,或者在某些情況下幾乎不繳納任何稅款;

  • Corporate taxes in the US were around 39 percent during Obama, but no one really paid that

    奧巴馬時期,美國的企業稅約為39%,但沒有人真正交過這個稅。

  • much.

    多。

  • In fact, sometimes they paid nothing.

    事實上,有時他們什麼都不付出。

  • When you pay taxes, you pay a fixed percentage base on your income, but when a company pays

    當你交稅時,你要按收入的固定比例基數交稅,但當公司交納

  • taxes, they first subtract their expenses and pay taxes only on their net income.

    稅,他們先減去支出,只按淨收入繳稅。

  • And that means a company can have as many expenses as it wants.

    而這也就意味著公司可以有多少費用就有多少費用。

  • A rich person doesn't pay himself to live lavishly but uses the company's funds to cover

    有錢人不給自己發工資,生活奢侈,卻用公司的資金來支付。

  • his expenses.

    他的費用。

  • And writes them off as business expenses and ends up paying lower taxes.

    並將其作為業務支出核銷,最後繳納的稅款較少。

  • Many rich people run their companies at a loss to keep paying for their lavish life

    很多富人為了繼續支付奢侈的生活,虧本經營自己的公司。

  • and, at the same time, avoid taxes.

    並同時,避稅。

  • In fact, you can forward your losses to future years, so even if you end up making a profit,

    其實,你可以把你的虧損轉到未來幾年,所以即使你最後賺了錢。

  • you can deduct last year's losses and still avoid taxes.

    你可以扣除去年的損失,還可以避稅。

  • When politicians say that we will increase taxes on the rich, they don't mean the ultra-rich

    當政治家們說我們要對富人增稅時,他們不是指極度富有的人。

  • who make billions but the middle class who makes over 500K.

    誰賺幾十億,但中產階級誰賺50多萬。

  • Since that 500k dollar is taxed under income tax, which is the highest tax rate in almost

    由於這50萬塊錢是按照所得稅徵收的,而所得稅的稅率幾乎是全國最高的。

  • any country.

    任何國家。

  • If you don't master taxes, even if you end up making millions, you will be paying a big

    如果你不掌握稅收,即使你最後賺了幾百萬,你也會付出很大的

  • portion of that to uncle sam.

    一部分給Sam叔叔

  • And that takes me to the next point.

    這讓我想到了下一點。

  • 3.

    3.

  • It's not how much money you make that mattersit's how much money you keep

    重要的不是你賺了多少錢,而是你留了多少錢。

  • Let's say you are a successful lawyer in California, and you make 1 million dollars.

    假設你是加州一名成功的律師,你賺了100萬美金。

  • How much of that you are going to take home, only $532,382.

    你要拿多少錢回家,只有532382元。

  • Your total income, federal and state taxes are going to amount to 46.7 percent.

    你的總收入,聯邦和州稅將達到46.7%。

  • You are literally giving half of your money to the government.

    你實際上是把一半的錢給了政府。

  • And if you have a mortgage and a car loan, you will hardly be making ends meet.

    而如果你有房貸和車貸,你將很難維持生計。

  • Even with a million-dollar income, you will be living paycheck to paycheck.

    即使有百萬元的收入,你也會過著薪水至上的生活。

  • That's why what matters at the end of the day is how much money you can keep after paying

    所以最後最重要的是,在付出之後,你能保住多少錢?

  • taxes and covering your expenses.

    稅和支付你的費用。

  • Learn to save money.

    學會省錢。

  • If you lose that job, the government isn't going to give you back that half-million dollar

    如果你失去了那份工作,政府是不會把那50萬美金還給你的。

  • you paid in taxes.

    你付的稅。

  • The bank is going to come after your house and the car.

    銀行會追著你的房子和車子來。

  • But saving alone isn't enough.

    但僅有儲蓄是不夠的。

  • 4.

    4.

  • Learn how to let your money work for you

    學習如何讓你的錢為你工作

  • Having a lot of money sitting in your bank is useless to a certain degree because money

    有很多錢放在銀行裡,在一定程度上是沒有用的,因為錢財

  • is a resource, and resources are meant to be used.

    是一種資源,而資源是用來使用的。

  • The only way to get out of a rat race is to have enough money working for you so that

    擺脫老鼠賽跑的唯一方法就是有足夠的錢為你工作,這樣才能

  • you don't have to work another day.

    你不必再工作一天。

  • The point isn't to lie on a couch and do nothing but rather have the freedom to do whatever

    重點不是躺在沙發上什麼都不做,而是可以自由地做任何事

  • you enjoy doing.

    你喜歡做。

  • So no matter how much you save, your money will run out at some point.

    所以不管你怎麼存錢,你的錢都會在某個時候用完。

  • That's why you should let your money work for you by buying assets.

    所以你應該通過購買資產讓你的錢為你工作。

  • Remember, when we talked about assets vs. liabilities.

    還記得,當我們談到資產與負債。

  • An asset could be anything from a rented property to a government bond.

    資產可以是任何東西,從租賃的房產到政府債券。

  • Investing in some ways is easy and straightforward; however, in practice, it's a little more complicated

    投資在某些方面很容易,也很簡單,但是,在實際操作中,就比較複雜了。

  • than it seems.

    比看上去的要好。

  • Stocks don't always go up, not every house is easily rented out, and government bonds

    股票不一定會漲,不是每套房子都能輕易租出去,而政府債券

  • can sometimes have a lower rate of return than inflation.

    有時可以比通貨膨脹率更低的回報率。

  • So learning how to invest to get a high enough rate of return is an art by itself.

    所以,學習如何投資才能獲得足夠高的回報率,本身就是一門藝術。

  • 5.

    5.

  • Number 5 - keep your credit score high

    第五條--保持你的信用分數高

  • You probably heard that you need money to make money.

    你可能聽說過,你需要錢來賺錢。

  • And that's true.

    這倒是真的。

  • Making a 5 percent return on a thousand dollars a year is just 50 dollars, not enough to get

    一年一千塊錢賺5%的回報率,也就50塊錢,還不足以獲得

  • you a pair of sneakers from Nike, but a 5 percent on a hundred million dollars is 5

    你一雙耐克的運動鞋,但一個億的5%是5。

  • million dollars, enough money to let you live like a king in any corner of the world.

    一百萬美元,足夠讓你在世界任何一個角落像國王一樣生活。

  • Debt is an important financial tool.

    債務是一種重要的理財工具。

  • Whoever has mastered it has built a fortune out of nothing, and whoever is bad with debt

    誰掌握了它,誰就能白手起家,誰就會欠下一身債

  • ended up bankrupt.

    最後破產了。

  • It's up to you on which side do you want to be in.

    就看你想站在哪一邊了。

  • You can of course, work and save every penny to buy a house 30 years later or be good with

    當然,你可以工作,把每一分錢都存起來,30年後再買房,或者善於用

  • debt and get a mortgage at favorable terms now.

    債務,並以優惠的條件獲得抵押貸款,現在。

  • The first step to being financially responsible is keeping your credit score high.

    做一個有經濟責任感的人,第一步就是要保持自己的信用分數高。

  • The easiest way to do that is through credit cards.

    最簡單的方法就是通過信用卡。

  • I know that you might have a negative opinion about credit cards because you had to pay

    我知道你可能會對信用卡有負面的看法,因為你必須支付

  • incredibly high interest since you didn't cover your credit card debt on time.

    難以置信的高額利息,因為你沒有及時償還信用卡債務。

  • That has happened to a lot of people, but if you are financially responsible, it's not

    這種情況發生在很多人身上,但如果你有經濟責任感,就不會

  • that difficult to pay your debts on time to avoid the extra interest.

    很難按時償還債務,以避免額外的利息。

  • Now you might say, why use a credit card when you can use a debit card.

    現在你可能會說,既然可以用借記卡,為什麼還要用信用卡呢?

  • Well, to build your credit score, you need to take credit and pay it back on time.

    好了,要想建立自己的信用分,就需要賒賬並按時還款。

  • You can basically use a credit card to pay for the things you pay with a debit card and

    用借記卡支付的東西,基本都可以用信用卡支付,而

  • at the end of the month, simply pay your credit.

    月底,只需支付你的信用。

  • That's how you raise your credit score, so next time when you need to get a mortgage,

    這就是你提高信用分數的方法,所以下次你需要抵押貸款的時候。

  • for example, banks will consider you a financially responsible citizen and would give you a better

    例如,銀行會認為你是一個有經濟責任感的公民,會給你更好的。

  • mortgage rate.

    抵押貸款利率。

  • Imagine how much you will save even by getting a slightly lower mortgage rate.

    試想一下,即使獲得稍低的房貸利率,你也能省下多少錢。

  • Whether you like it or not.

    不管你喜不喜歡。

  • You have to learn to be financially literate to a certain degree because even if you hate

    你必須學會一定程度的財務知識,因為即使你討厭。

  • money, you can't avoid it, and money will always play an important role in our lives,

    錢,你無法避免,錢永遠在我們的生活中扮演著重要的角色。

  • so start mastering at least the basic skills first.

    所以先開始掌握至少基本技能。

  • And now, it's time to give this video a thumbs up if you have enjoyed and hit that subscribes

    現在,是時候給這個視頻豎起大拇指了,如果你喜歡並點擊了該訂閱的視頻

  • button and the bell besides if you want to see more similar videos.

    按鈕和鈴鐺之外,如果你想看更多類似的視頻。

  • Thanks for watching and until next time.

    謝謝你的觀看,直到下一次。

5 Basic Money Skills You Need To Know

你需要知道的5個基本理財技能

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