how they managed to find a way to make enough money to retire in their 20s or 30s.

他們是如何找到一種方法來賺取足夠的錢，在他們20多歲或30多歲時退休。

Now all they do is post pictures of their mansions, Lamborghini, or private jets until

現在，他們所做的就是發佈他們的豪宅，蘭博基尼，或私人飛機的照片，直到

someone exposes them that they have been renting out their mansion or that luxury car or the

有人揭發他們把自己的豪宅、豪車、豪車出租給別人

private jet.

私人飛機。

Yes, I am talking about you, Dan (Bilzerian).

是的，我說的是你，丹（比爾澤裡安）。

Definitely, there some people who managed to make millions by building a tech startup

當然，也有一些人通過建立科技創業公司，成功地賺到了幾百萬。

while still being in college, but that's an exception, especially if you consider that

而還在上大學，但這是個例外，尤其是當你考慮到

9 out of 10 startups fail, I am not trying to discourage anyone, feel free to give it

10個創業公司有9個失敗，我不是要打擊大家的積極性，請隨意給大家說說

a try but the question that I want to focus on in this video is - can your average guy

但我想集中在這個視頻中的問題是--你的一般人可以嘗試

retire early?

早退

Is it possible for someone who works 9 to 5 to retire within a span of 10 or 15 years?

一個朝九晚五的人，有沒有可能在10年或15年的時間內退休？

If you are in your 20s, can you retire by your 30s without starting a business or winning

如果你20多歲，30多歲就能退休，不創業、不贏利，你能做到嗎？

the lottery?

彩票？

The answer is Yes!

答案是 "是"!

There is an entire movement on the internet called FIRE; financial independence retire

互聯網上有一個完整的運動，叫FIRE；財務獨立retire

early movement.

早期運動。

They claim that if you live frugally throughout your 20s and invest the vast majority of your

他們宣稱，如果你在20多歲的時候都過著節儉的生活，並將你的絕大部分投資於你的。

income, you can retire by your 30s and never have to work again.

收入，你可以在30多歲前退休，再也不用工作了。

Your investment will cover all of your bills, so you can finally quit your job and start

您的投資將覆蓋您的所有賬單，所以您終於可以辭去工作，開始您的生活。

your journey of traveling around the globe in 80 days.

你在80天內環遊世界的旅程。

You might not be able to afford a private jet or live in a 50 million dollar mansion,

你可能買不起私人飛機，也住不起5000萬的豪宅。

but nonetheless, you can maintain your normal standard of living without working another

但儘管如此，你還是可以在不工作的情況下維持正常的生活水準。

day in your life.

在你生命中的一天。

In this vidoe, we are going to find out how much money you need to save to retire by your

在這個視頻中，我們將找出你需要存多少錢來退休，由你的

30s?

30s?

How should you invest your money to be able to do that?

應該如何投資理財才行？

And what is the rule of 4 percent?

而4%的規則是什麼？

why rich people will always be rich
 If you take a look at what exactly makes rich

為什麼有錢人永遠是有錢人
，如果你看看到底是什麼讓有錢人

people rich is that you will find out that they have the capital that keeps earning them

人的財富是，你會發現，他們有資本，不斷賺取他們。

money even if they do nothing.

錢，即使他們什麼都不做。

Imagine having a billion dollars in a savings account that pays you 3 percent interest annually.

想象一下，有一個10億美元的儲蓄賬戶，每年給你3%的利息。

That is 30 million dollars a year, that is enough to provide you with a super-luxurious

那就是每年三千萬，足以讓你擁有一個超豪華的。

life.

生命。

Which means you can spend 30 million dollars every single year, and your wealth won't decrease

也就是說，你每年花3000萬，你的財富也不會減少。

even by a single Penny.

哪怕只差一毛錢。

And that's what separates rich people from the rest.

而這也是富人與其他人的區別。

Most people can't break the cycle of poverty or the middle-class trap because they make

大多數人無法打破貧窮的循環或中產階級的陷阱，因為他們使

just enough to live comfortably.

剛好夠過上舒適的生活。

Even if they end up making more, They move to a bigger house, get a better car, and level

即使他們最終賺得更多，他們也會搬到更大的房子裡，買一輛更好的車，並將其夷為平地。

up their standard of living.

提高他們的生活水準。

There is nothing wrong with that.

這沒有錯。

At the end of the day, the ultimate goal of money is to improve the quality of your life.

歸根結底，金錢的最終目的是為了提高你的生活品質。

Especially, since you will be able to pass that house to your child and make his life

特別是，因為你將能把那套房子傳給你的孩子，讓他的人生

a lot easier.

輕鬆多了。

If he is smart enough, he will repeat your footsteps and at least acquire another house

如果他夠聰明的話，他就會重複你的腳步，至少會再購置一套房子。

throughout his life and then pass two properties to his child.

終其一生，然後將兩套房產傳給孩子。

After repeating this process over and over, after a few generations, your grand grand

一遍遍重複這個過程，經過幾代人的努力，你的祖祖輩輩

grand child maybe will be left with multiple properties or at least some wealth to provide

孫子也許會留下多套房產或至少有一定的財富來供養。

him with the comfort of financial freedom.

他與財務自由的安慰。


 But that looks like a dumb strategy to most

但在大多數人看來，這是個愚蠢的策略。

people.

人。

Why would you work so hard and prevent yourself from all the pleasures life has to offer so

你為什麼要如此努力地工作，阻止自己享受生活中所有的樂趣呢？

that your grand grand grand kids would live a better life?

你的孫子孫女會過上更好的生活？

It's their problem.

這是他們的問題。

They will figure it out.

他們會想出辦法的。

So, Here is a better idea: the fire movement claims that you don't have to work your entire

所以，這裡是一個更好的想法： 火運動聲稱，你不必工作你的整個。

life to build wealth.

生活積累財富。

All you have to do is dedicate 5, 10, or 15 years of your life to building wealth.

你所要做的，就是把你一生中的5年、10年、15年的時間用於積累財富。

And that's it! 

就是這樣！

By living extremely frugally and saving over 80 or 90 percent of your income, you can save

通過極度節儉的生活，節省80%或90%以上的收入，你可以節省出

enough capital that you can invest and live off from the interest that your capital will

足夠的資本，你可以投資和生活的利息，你的資本將被關閉

be generating.

正在產生。

That was impossible a few generations ago, but we are lucky to be young in 2020.

這在幾代人之前是不可能的，但我們很幸運，在2020年還年輕。

The world has developed to the point where anyone who is born or at least lives in a

世界發展到今天，任何人只要出生或至少生活在一個

first world country has the opportunity to break that cycle of poverty and become financially

有機會打破這種貧窮循環，實現財政上的平衡。

free within a span of a decade.

在十年的時間裡，免費。

As of 2018, the average household income is a little over 63K dollars.

截至2018年，家庭平均收入為6.3萬多一點。

Hypothetically, since the average return on an index fund that invests in the s&p500,

假設，由於投資於標普500指數的指數基金的平均收益率。

for example, is 10 percent, by saving 630K dollars and investing it in such fund, every

比如說是10%，通過存63萬塊錢，投資到這樣的基金中，每

year, you will be able to withdraw 63K dollars, and your initial investment of 630K will still

年，你將可以提取6.3萬美金，而你的初始投資63萬美金仍將是

be there.

在那裡。

630K is, of course, a lot of money, but nonetheless possible for most people.

63萬當然是個大數目，但對大多數人來說還是有可能的。

Surgeons, doctors, or engineers easily make over 100K dollars a year after taxes.

外科醫生、醫生或工程師稅後年薪輕鬆過10萬。

By saving just a little over half of their income for 5 or 6 years, they can save that

只要把收入的一半多一點存起來，5、6年，就能存下那份

much money.

很多錢。

Sounds like a good plan, right?


聽起來是個好計劃，對吧？

Well, not everything is sunshine and rainbows.

嗯，不是所有的事情都是陽光和彩虹。

The inflation rate in the US is around 2 to 3 percent, which means if you don't want the

美國的通貨膨脹率在2%到3%左右，這意味著如果你不想要的

real value of your investment to decrease every year by 2 or 3 percent, you should not

您的投資實際價值每年減少2%或3%，您不應

withdraw more than 7 percent of your investment.

提取超過投資額的7%。

On top of it, if you want your investment to grow by at least a small margin like 2

除此之外，如果你想讓你的投資至少有一個小幅度的增長，比如 2

percent, you are left with just 5 percent.

％，你只剩下5％。

If you also deduct another percent for market fluctuations, you are left with just 4 percent,

如果再扣除市場波動的1%，就只剩下4%了。

and that's what the rule of 4 percent is.

這就是4%的規則。

So, if you want to be able to withdraw 63K dollars and be confident that eat inflation

所以，如果你想能夠提取6.3萬美金，並且有信心吃下通貨膨脹的虧

won't wipe out your wealth over time, you have to invest 1.575 million dollars in an

不會讓你的財富隨著時間的推移而消失，你必須投資175.5萬美元在一個。

index fund like the sp500.

指數基金如sp500。

That might look like a big sum of money, but nonetheless, it's realistic.

這看起來可能是一筆大錢，但儘管如此，它還是很現實的。

With a high-paying job and a frugal life, it's possible to achieve that in, give and

有了高薪的工作和節儉的生活，就可以實現在，付出和。

take 10 years.

需要10年時間。

What's important to note here is you can't achieve that by having a regular job, no offense,

這裡需要注意的是，你不能通過有一份固定的工作來實現，沒有任何惡意。

but if you are earning enough just to cover you basic needs, there is no way you can save

但如果你的收入只夠維持你的基本生活，你就不可能存下錢來

that much money.

這麼多錢。

So the idea is you should work on getting a high paying job but still live like a student

所以說，你應該努力找一份高薪的工作，但還是要像學生一樣生活。

and invest over 80 percent of your income, and in 5 to 10 years, you will be able to

並將80%以上的收入進行投資，在5到10年內，你將能夠

retire for good. 

退隱

What's also important to note is what kind of retirement do you want.

還需要注意的是，你想要什麼樣的養老。

Do you want to drive a Ferrari and spend over 200K a year, then you will have to work a

你想開著法拉利，一年花20多萬，那你就必須要工作

lot more and invest 2,3 or 5 million dollars so that you can confidently spend 200K dollars.

多很多，投資200、300、500萬，這樣你就可以放心的花20萬。

But if you are fine with spending 50K a year, you can retire a lot faster, it all comes

但如果你每年花5萬就可以了，你就可以更快地退休，這一切都要靠

down to your spending habits. 

歸結為你的消費習慣。


 But, do not start investing unless you first

但是，不要開始投資，除非你首先

take care of your debts, especially high interest rate debts. 

處理好你的債務，尤其是高息債務。

It doesn't make sense to get a 10 percent rate of return when you have a 20 percent

當你有20％的回報率時，獲得10％的回報率是沒有意義的。

credit card debt.

信用卡債務；

But this rule doesn't apply to your mortgage.

但這個規則並不適用於你的抵押貸款。

With a mortgage, you are building equity at least, so focus first on getting rid out of

有了房貸，你至少是在積累資產，所以首先要集中精力擺脫掉

your high interest debts and then move towards savings.

你的高利息債務，然後轉向儲蓄。

Regardless of how brilliant this plan looks like, it has its problems. 

不管這個計劃看起來有多高明，但也有它的問題。

What is the point of sacrificing the best years of your life just to be able to retire

犧牲人生最美好的年華，只為能夠退休，有什麼意義呢？

earlier, especially your 20s?

更早，特別是你的20多歲？

These are the years when you want to party, hung out, and experience new things.

這幾年，你想聚會，想出去玩，想體驗新事物。

Besides, I don't think that most people want to retire at 30 and literally do nothing after

此外，我不認為大多數人想在30歲退休，並從字面上看什麼都不做後，

that.

那。

Work isn't just about earning money, but it gives you meaning and self-fulfillment, especially

工作不僅僅是為了掙錢，而是給你帶來意義和自我實現，尤其是

when you love your job. 

當你熱愛你的工作。

So here is a slightly better idea, instead of denying yourself even the basic pleasures,

所以，這裡有一個稍微好一點的想法，而不是連基本的快樂都不給自己。

don't strive to retire at 30 or 35 but rather focus on building an investment portfolio

不要努力在30歲或35歲退休，而是專注於建立一個投資組合。

that can at least cover your basic needs such as shelter and food.

至少可以滿足你的基本需求，如住房和食物。

Instead of saving over 80 percent of your income, say 30 or 40 percent.

而不是把收入的80%以上存起來，比如30%或40%。

In 10 or 15 years, you might not be able to complete retire, but if you want to quit your

10年、15年後，你可能無法完成退休，但如果你想放棄你的。

job, take a break, experience something new, you can easily afford that.

工作，休息一下，體驗一下新的東西，你很容易負擔得起。

By withdrawing 4 percent out of your investment portfolio, you can easily pay the rent and

從投資組合中提取4%的資金，就可以輕鬆支付房租和。

put some food on the table.

把一些食物放在桌子上。

And no matter how glamorous the idea of financial freedom looks like, do not sacrifice your

無論財務自由的想法看起來多麼迷人，都不要犧牲自己的。

health for it, because financial freedom means nothing if you end up losing your health in

因為如果你最終失去了健康，那麼財務自由就毫無意義了。

the process.

進程。

Don't eat garbage, for example, just to save an extra dollar.

比如，不要為了多省一塊錢而吃垃圾。


 Once you reach that point where you are financially

一旦你在財務上達到了那個地步

free, where you don't have to accept a certain job for the sole purpose of how much does

免費，在這裡，你不需要接受某項工作，唯一的目的是多少錢。

it pays, you start making slightly different decisions.


它的付出，你開始做出稍微不同的決定.
。

Now since we are at the end of the video, pull out a notebook and a pen and answer these

現在既然我們已經到了視頻的最後，拿出筆記本和筆，回答這些

basic questions:  How much money do I need to maintain my standard

基本問題。 我需要多少錢才能維持我的標準？

of living?

的生活？

How much do I need to invest so that I can withdraw 4 percent every year to main my standard

我需要投資多少錢，才能每年提取4%的資金來維持我的標準。

of living without touching the principal?

不接觸本金的生活？

And how much can I save every month?

那我每個月能存多少錢呢？

Then you will find out how many years you have to save to be financially free. 

然後你會發現你要存多少年才能實現財務自由。

And finally do you want 2 free stocks from we bull to start investing?

最後你想不想從我們牛牛免費送2只股票開始投資？

Of course you want!

你當然想！

So use the link in the description and get your 2 free stocks.

所以使用描述中的鏈接，就可以免費獲得2只股票。


 And now its time to give this video the thumbs

現在是時候給這個視頻豎起大拇指了

up 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，那就訂閱並打開你的

notifications!

通知

What are you waiting for?! 

你還在等什麼？

Thanks for watching and until next time. 


感謝您的觀看，直到下一次。