While it took warren buffet 55 years to join the billionaires club, Jay Walker literally

當沃倫-巴菲特花了55年時間才加入億萬富翁俱樂部時，傑伊-沃克卻從字面上看

did it in less than a year.

做了不到一年的時間。

He launched priceline.com during the dot com bubble, and his net worth instantly jumped

他在網絡保麗龍期間推出了priceline.com，他的淨資產瞬間暴漲。

from zero to billions.

從零到數十億。

But that wasn't sustainable because when the bubble burst, his net worth crashed as well,

但這是不可持續的，因為當保麗龍破裂時，他的淨資產也崩潰了。

while Buffet is still on the top of the list, and he doesn't seem to go anywhere anytime

而巴菲特仍在榜單上，他似乎隨時都不會走。

soon.

很快。

And that's the kind of wealth you want to build.

而這就是你想要建立的財富。

The game of money isn't easy.

錢的遊戲並不容易。

It's taught, competitive and ruthless, and if you don't know the rules, you are doomed

它是教出來的，競爭性的，無情的，如果你不知道規則，你就註定要失敗了。

to fail.

以致失敗。

The problem with most people is that they might work hard their entire lives but end

大多數人的問題是，他們可能一生都在努力工作，但最後的結果是

up poor at the end of the journey because they don't know how to let their money make

窮途末路，因為他們不知道如何讓自己的錢生錢

even more money.

甚至更多的錢。

In other words, they don't know how to invest.

換句話說，他們不知道如何投資。

Let's assume that you have been saving money and have an extra thousand dollars in your

假設你一直在存錢，並且你有額外的一千美元在你的

bank account.

銀行賬戶；

That is an achievement because nearly 70 percent of Americans don't even have an extra thousand

這是一個成就，因為近七成的美國人連一千塊錢都沒有多餘的錢

dollars in their bank account.

美元在他們的銀行賬戶中。

So instead of spending it on another useless gadget or a pair of shoes that you will wear

所以，與其把錢花在另一個無用的小工具上，不如花在一雙你會穿的鞋子上。

once and then keep in your wardrobe for many years before you finally throw it away, let's

一次，然後在你的衣櫃裡保存很多年，最後才把它扔掉，讓。

assume you are going to invest that money!

假設你要去投資這些錢!

But the question is, how do you invest your first 1K dollars?

但問題是，你的第一筆1千塊錢該如何投資？

Do you invest it in real estate or the stock market?

你是投資於房地產還是股市？

What kind of stocks do you buy?

你買什麼樣的股票？

Is 1000 dollars is enough to start investing?

1000元就可以開始投資了嗎？

We are going to answer all of these questions and many more!

我們將回答所有這些問題以及更多的問題!

So give the video a thumbs up, and lets get started.

所以給視頻豎起大拇指，讓我們開始吧。

To understand what investing is and how does it works, consider this example.

要想了解什麼是投資，以及投資的原理，可以考慮這個例子。

Let's say you worked so hard and saved 300K dollars, you can pay a visit to a Ferrari

比如說你辛辛苦苦攢了30萬，你可以去法拉利看看

store and get yourself a luxuries car and let everyone know how successful are you or

店，給自己買一輛豪車，讓大家知道你是多麼的成功，或

you can buy real estate (house) and rent it out.

你可以購買房地產（房子）並將其出租。

Every month you will receive at least 2000 dollars.

每個月你至少會收到2000元。

If you decide you no longer what to keep receiving that 2K paycheck every month, you can sell

如果你決定不再繼續每個月領取2K的工資，你可以賣出

it and get back your initial investment.

並拿回你的初始投資。

In fact, the value of your investment might even appreciate, so you will sell it for a

事實上，你的投資價值甚至可能會升值，所以你會賣出一個

higher price.

價格較高。

And that's how money makes money.

這就是錢生錢的方法。

But you can't buy real estate for a thousand dollars.

但你不能用一千塊錢買房地產。

That's not even enough for a downpayment; however that doesn't mean you can't invest

這連首付都不夠；然而這並不意味著你不能投資。

that thousand dollars elsewhere and let it grow.

那一千塊錢在其他地方，讓它成長。

The easiest way is to just deposit it into a savings account and generate interest, but

最簡單的方法就是直接存入儲蓄賬戶，產生利息，但是。

why would the bank pay you for keeping your money in the bank?

為什麼銀行會給你錢，讓你把錢存在銀行？

Shouldn't they charge you instead?

他們不是應該向你收費嗎？

No.

不知道

You see, the bank is going to take your money and loan it to someone else at a higher rate

你看，銀行要把你的錢以更高的利率借給別人。

and would share with your a portion of that profit.

並會與你分享一部分利潤。

That's how banks work in short.

簡而言之，這就是銀行的工作方式。

The only problem with this strategy is that interest on the deposits account is so low

這個策略唯一的問題是，存款賬戶的利息太低了。

that it isn't worth it.

這是不值得的。

The highest rate you probably can get is 0.8 percent.

你可能能得到的最高利率是0.8%。

Which means that if you invest that 1k dollar into a savings account, 12 months from now,

也就是說，如果你把這1千塊錢投資到一個儲蓄賬戶裡，12個月後。

you will receive an extra 8 dollars.

你將收到額外的8美元。

Which is extremely low because the Fed targets an inflation rate of 2 to 3 percent which

這是極低的，因為美聯儲的目標是2%到3%的通脹率，而這

means, if you are not getting at least 2 or 3 percent, overtime the real value if your

意味著，如果你沒有得到至少2%或3%的收益，加班的時候，如果你的真正價值。

thousand dollars will depreciate, which means you can buy with it less goods every year.

千元會貶值，也就是說你每年用它買的商品會減少。

But why are interest rates so low on deposit accounts?

但為什麼存款賬戶的利率這麼低呢？

Because interest rates, in general, are low this year since the pandemic forced the fed

因為一般來說，今年的利率都很低，因為疫情迫使美聯儲

to lower them (interest rates) to encourage everyone to borrow money and spend.

降低利率(利息)以鼓勵大家借錢消費；

A year or two from now, once we get out of this recession, the fed will increase interest

一兩年後，一旦我們走出經濟衰退，美聯儲就會加息。

rates to 1, 2, or even 3 percent, which means interest rates on the savings account will

利率到1%、2%，甚至3%，這意味著儲蓄賬戶的利率將

rise as well.

漲也。

Your second option is to buy government bonds.

你的第二個選擇是購買政府債券。

A government bond is a security that is issued by the government to raise money to support

政府債券是政府為籌集資金支持而發行的一種證券。

government spending.

政府開支。

Say the government wants to build a school, but it doesn't have the money to do that,

比如說政府想建學校，但是沒有錢去建。

so it issues an IOU, a piece of paper that says that whoever owns this security is owed

所以，它發出了一個借據，一張紙上寫著誰擁有這個證券就欠誰的錢。

this much amount of money plus interest by the US government.

這麼多錢加上美國政府的利息。

Of course, this is an oversimplified example, but that is the point in short.

當然，這是個過於簡單的例子，但總之就是這個意思。

Government bonds are heavily influenced by interest rates, so since interest rates are

政府債券受利率的影響很大，所以由於利率是

extremely low this year, government bond rates are less than 1%, but two years ago when interest

今年極低，政府債券利率不到1%，但兩年前當利息

rates were high, government bond rates were as high as 3 percent, which is not bad, since

率很高，政府債券利率高達3%，這還算不錯，因為。

government bonds are the safest investments you can ever make.

政府債券是最安全的投資，你可以做。

Any investment carries with it a certain level of risk, if you are loaning money to the US

任何投資都有一定的風險，如果你是借錢給美

government, what are the chances that the US government will default on its loan?

政府，美國政府貸款違約的機率有多大？

For the US government to go bankrupt, the entire US economy might have to fail.

美國政府要破產，整個美國經濟可能都要倒閉。

That's why US bonds are considered the safest investments in the world.

這就是為什麼美國債券被認為是世界上最安全的投資。

But if you want to make a higher return, let's say 10, 20, or 30 percent, then you have to

但如果你想獲得更高的回報，比如說10%、20%或30%，那麼你就得

consider investing in the stock market.

考慮在股市投資。

For example, amazon's stock price increased by over 80 percent just this year.

例如，亞馬遜的股價在今年就上漲了80%以上。

Google's stock price rose by almost 30 percent.

谷歌的股價上漲了近30%。

Tesla's stock increased by 721 percent.

特斯拉的股價上漲了721%。

Yes, you heard that, right!

是的，你聽到了，沒錯！

721 percent!

721%！

Then the question is, why would anyone invest elsewhere when you can double or even triple

那麼問題是，為什麼有人會在其他地方投資，當你可以雙倍甚至三倍。

your money in the stock market?

你的錢在股市？

The answer is RISK.

答案是RISK。

When it comes to government bonds, for example, there isn't much risk.

比如說政府債券，就沒有什麼風險。

In fact, it is risk-free to certain extend.

事實上，它在一定範圍內是沒有風險的。

But when it comes to individual companies, there is a risk that the company might fail,

但如果涉及到個人公司，公司就有可能會失敗。

it might report negative earnings, pretty much any negative news can drive the stock

它可能會報告負面的盈利，幾乎任何負面的消息可以推動股價上漲

price down.

價格下降。

The company might release a product, and if the public doesn't like it, that can make

公司可能會發佈一個產品，如果公眾不喜歡，那就會使。

some negative headlines, which can drive the price down, so with higher returns comes more

一些負面的頭條新聞，這可能會使價格下降，是以，隨著高回報率的到來，更多的

risk.

風險。

Apple is a well-established company and its chances to fail are way lower than Tesla,

蘋果是一家成熟的公司，其失敗的機率比特斯拉低得多。

but it also has less room to grow than Tesla; that's why Tesla grew by 721 percent this

但它的發展空間也比特斯拉小；這就是為什麼特斯拉今年增長了721%的原因。

year but apple by just 70 percent.

年，但蘋果僅以70%。

What you have to determine for yourself is how much risk you can take without going nuts.

你要自己確定的是，在不發瘋的情況下，你能承擔多大的風險。

If that 1000 dollars is all that you have left, maybe risking it all isn't the wisest

如果那1000塊錢是你剩下的全部家當，也許冒這個險並不是最明智的。

option because if things turn south, you can end up losing most of it.

選項，因為如果事情向南發展，你可能最終會失去大部分。

So one-way investors minimize their risk in the stock market is by investing in an index.

所以，單向投資者最大限度地降低股市風險，就是投資指數。

The most famous one is the SP500, which tracks top 500 US companies, so an index fund would

最著名的是SP500，它跟蹤的是美國前500名的公司，所以指數基金將

basically invest in these top 500 companies.

基本上投資這些500強企業。

Some of these companies will definitely fail, but others will grow.

這些公司有的一定會失敗，但有的會成長。

Judging by historical data, the average return rate for the sp500 since the 1920s was around

從歷史數據來看，自上世紀20年代以來，sp500指數的平均回報率約為

10%.

10%.

This means, buying a share of these index funds means you are buying a tiny share in

這意味著，買入這些指數基金的份額，意味著你買入的是極小的份額。

the top 500 us companies.

美國500強企業。

My 3 top favorite index funds are VOO or Vanguard 500 Index Fund, QQQ and index fund by Invesco

我最喜歡的3只指數基金是VOO或Vanguard 500指數基金，QQQ和Invesco的指數基金。

and Fidelity ZERO Total Market Index Fund.

和富達ZERO總市場指數基金。

All of them are great and invest in pretty much the exact same companies.

他們都很厲害，投資的公司也幾乎一模一樣。

But how do you buy shares in these index funds?

但如何購買這些指數基金的股票呢？

I mean, where do you start?

我的意思是，你從哪裡開始？

First, you need to find a broker; someone is qualified to sell you stocks.

首先，你需要找到一個經紀人，有人有資格賣給你股票。

In the past, it was always someone; you had to pick your phone and call him and ask him

過去，總是一個人，你要拿起電話打給他，問他

to sell you some shares.

賣給你一些股票。

Remember the wolf of wall street?

還記得華爾街之狼嗎？

He would spend his entire day calling people and try to sell them worthless stocks.

他整天給人打電話，試圖向他們推銷毫無價值的股票。

But thank god we are in 2020, and things are much better and easier.

但謝天謝地，我們已經到了2020年，一切都好辦多了，輕鬆多了。

Brokerage firms created apps so that you can buy shares from the comfort of your smartphone,

經紀公司創建的應用程序，這樣你就可以從舒適的智能手機購買股票。

such as Robinhood, Webull and so on.

如Robinhood、Webull等。

All you have to do is download one of these apps and sign up, and you can start investing

你所要做的就是下載這些應用程序並註冊，你就可以開始投資了。

right away.

馬上。

In fact, if you use the link below to open a webull account, you will get 2 free stocks,

事實上，如果你使用下面的鏈接開設webull賬戶，你將獲得2只免費股票。

just a disclaimer its an afilliat link, but there is nothing wrong with that, you are

只是一個免責聲明，其afilliat鏈接，但沒有什麼錯，你是

going to get 2 free stocks, isn't that amazing?

將獲得2只免費股票，是不是很神奇？

That is a good start I would say.

我想說這是一個好的開始。

Check the link in the description.

查看描述中的鏈接。

I tried my best to make this video as simple as possible so that whoever wants to start

我盡力讓這個視頻儘可能的簡單，以便誰想開始

investing can start right away.

投資可以馬上開始。

Often what happens is that you want to start investing, but you have a million questions

經常發生的情況是，你想開始投資，但你有一萬個問題。

and you start googling this and that and get exhausted after sometime and then you just

你開始上網查這個查那個，一段時間後就精疲力盡了，然後你只是

give up and try again a few months later so I tried to answer all of your questions in

放棄，並在幾個月後再次嘗試，所以我試圖回答你所有的問題，在。

this short video.

這個短視頻。

So if you have found the video helpful, make sure to give it a thumbs up and if you are

所以，如果你覺得這段視頻對你有幫助，一定要豎起大拇指，如果你是

new around here, hit that subscribe button and the bell besides it.

新來的，按一下訂閱按鈕和旁邊的鈴鐺。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。