You know, my parents looked at money the same way they looked at mental health.

你知道，我父母看錢的方式和他們看心理健康的方式一樣。

Never talk about it when it came to debt.

在債務問題上，從不談及。

Pretend it doesn't exist.

假裝它不存在。

Investing, Gambling a za result.

投資, 賭博 a za 結果.

By the time I was 21 I had so much debt, no savings.

在我21歲的時候，我已經負債累累，沒有存款。

My phone was being turned off every other month.

我的手機每隔一個月就被關機一次。

I was too terrified to check my bank balance, so I avoided it like it was the pandemic.

我太害怕查銀行餘額了，所以我像躲避瘟疫一樣躲避。

And I was stressed out.

而且我壓力很大。

Most of my mental space was taken up with questions like, How am I gonna pay my rent this month?

我的大部分心理空間都被這樣的問題佔據了：我這個月的房租怎麼交？

Shouldn't pay for groceries or my utility bill.

不應該支付雜貨費或我的水電費。

Why did I think I could afford this money?

為什麼我認為我付得起這筆錢？

Cats, money and mental health do go hand in hand.

貓、錢和心理健康確實是相輔相成的。

So how do you become financially liberated in an era where our commodities are no longer goats, cloth or shells?

那麼，在我們的商品不再是山羊、布匹、貝殼的時代，如何才能實現財務自由呢？

Yeah, shells.

是的，貝殼。

Shell currency has been around since the earliest days of human history and lasted up until 200 years ago.

殼幣從人類歷史上最早出現，一直持續到200年前。

Back then, you could just go to the beach and get rich, right?

那時候，你可以直接去海邊發財，對吧？

Well, there's only one thing you need when it comes to getting your money, right?

好吧，要想拿到錢，只需要一件事，對吧？

Just one very simple thing.

只是一件很簡單的事情。

A financial education.

一次金融教育；

I can't stress enough how important it is to understand how to attack debt, how to budget how to save how to invest, how to set up sources of passive income.

我怎麼強調都不為過，瞭解如何攻克債務，如何預算如何儲蓄如何投資，如何建立被動收入來源是多麼重要。

Because a financial education leads to financial literacy, which leads to financial independence.

因為通過財商教育可以獲得財商知識，從而實現財務獨立。

Because nobody wants to be in this situation.

因為沒有人願意陷入這種境地。

We here at Shell's Fargo appreciate your business.

我們在殼牌的法戈感謝您的合作。

However, we regret to inform our shell holders that as of yesterday, the country switched over to a paper monetary system.

不過，我們很遺憾地告訴殼友們，從昨天開始，我國改用紙質貨幣體系。

And so we're no longer honoring these types of deposits.

所以我們不再接受這些類型的存款。

What does that mean?

這意味著什麼？

That my shell is worthless?

我的殼一文不值？

Unfortunately, yes.

不幸的是，是的。

What am I supposed to do with the done?

做好了的我該怎麼做？

I suppose you could sell your remaining seashells by the seashore.

我想你可以在海邊賣掉你剩下的貝殼。

That's the most ridiculous thing I've ever heard.

這是我聽過的最荒唐的事情。

You guys air shells, Fargo, you have to accept my shell.

你們空殼，遠古，你得接受我的殼。

Actually, three company is currently undergoing some rebranding.

其實，三家公司目前正在進行一些品牌重塑。

There is no better time to get started on your financial education than right now.

沒有比現在更適合開始理財教育的時機了。

Seriously.

認真的。

I mean, historically, ownership was the primary vehicle to creating wealth, which in turn allowed for personal autonomy, and women were very often barred from that, to the point that Mary Gauge, in 18 80 started her own ladies exchange for railroad and mining stocks due to discrimination from male brokers.

我的意思是，從歷史上看，所有權是創造財富的主要工具，這反過來又允許個人自主，而婦女往往被禁止，以至於瑪麗-格格，在1880年開始了她自己的女士交易所的鐵路和礦業股票，因為來自男性經紀人的歧視。

But Mary wasn't even the first woman on Wall Street.

但瑪麗甚至不是華爾街的第一個女人。

A decade earlier, in 18 70 Victoria Woodhull and her sister Tennessee Claflin founded Woodhull, Claflin and Company Victoria became a millionaire by 31 used her money toe a, become the first woman to run for president and be published a newspaper whose main purpose was to support her run for president.

十年前，在1870年維多利亞-伍德霍爾和她的妹妹田納西-克萊夫林成立了伍德霍爾，克萊夫林和公司維多利亞成為百萬富翁31用她的錢到一個，成為第一個女人競選總統，並出版了一份報紙，其主要目的是支持她競選總統。

What I'm saying is, money can pave the path to your dreams, and the first step to getting there is understanding how it works.

我想說的是，錢可以為你的夢想鋪平道路，而實現夢想的第一步就是了解它的運作方式。

I'm Anaconda and thank you so bye for sponsoring today's video.

我是蟒蛇，感謝你這麼再見贊助今天的視頻。

Sofia's mission is to help you get your money right to achieve financial independence and realize your ambitions so far is an all in one solution.

索菲亞的使命是幫助你把錢理好，實現財務獨立，實現你的理想，到目前為止是一個全方位的解決方案。

You can save, spend, earned, borrow and invest all in one app.

攢、花、賺、借、投都可以在一個APP上完成。

One feature I really love is so fi active.

我非常喜歡的一個功能就是這麼fi活躍。

Invest.

投資。

So I've been harassing my friends about investing because I've been taking classes on the stock market and what I love about Sophie active invest is that you can invest in fractional shares.

所以我一直在騷擾我的朋友們關於投資的問題，因為我一直在上股市的課，我喜歡蘇菲主動投資的原因是，你可以投資零碎的股票。

So, for example, Apple is about $380 for one share right now.

所以，以蘋果公司為例，現在蘋果公司的每股價格大約是380美元。

So if I active invest allows you to invest in as little as a dollar in select fractional stocks, and as that stock goes up, so does your investment.

所以，如果我主動投資允許你以一元錢的價格投資於精選的零碎股票，當這隻股票上漲時，你的投資也會上漲。

But it's always do your homework.

但總是要做功課的。

There is always a risk that comes with investing.

投資總是有風險的。

And if you become a member, which is free, they provide really great benefits, like personalized career coaching and appointments with certified financial planners.

如果你成為會員，這是免費的，他們提供了非常大的好處，如個性化的職業輔導和預約與認證的財務規劃師。

There's no up cells, no commissions, because if you're thriving, so is so fi.

沒有上升的細胞，沒有佣金，因為如果你在蓬勃發展，所以也是fi。

To learn more, you can download the sofa app or check out Sofia Calm, Thank you.

想要了解更多，可以下載沙發app或者查看索菲亞平靜，謝謝。