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 matters — it'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。