a week before that.

一個星期前，。

How do I know that?

我怎麼知道？

Well, Americans, on average, spend over a thousand dollars on gifts, goodies, and travel.

嗯，美國人，平均在禮物、好東西和旅遊上的花費超過一千美元。

That might not look like a fortune, but when you look at the other data that says 60 percent

這可能看起來不像是一筆財富，但當你看其他數據說60%的人

of Americans can't cover unexpected thousand dollar bill, it gets sad because emergencies

美國人無法支付突如其來的千元鈔票，這就很悲哀了，因為緊急情況下的

happen and they are full of surprises, it might be unexpected doctor visit, your car

事情的發生充滿了意外，可能是意外的看病，也可能是你的車。

breaks down or something else that could prevent you from

拋錨或其他可能阻止你的

leading your everyday life.

上司你的日常生活。

There is nothing wrong with buying gifts and having fun, but when our holiday spendings

買禮物和玩樂並沒有錯，但當我們的節日消費

keep going up year after year while we stop saving and start getting into debt more and

年復一年地上漲，而我們卻停止儲蓄，開始越來越多地負債。

more, it starts getting scary!

更多的，它開始變得可怕！

So here in this video, we are going to take a look at where exactly your money should

所以在這段視頻中，我們要看看你的錢到底應該放在哪裡？

go once you get paid?

一拿到錢就走？

What steps should you take once you receive that paycheck so that when you are faced with

當你收到那份薪水後，你應該採取什麼措施，以便當你面對的是

that unexpected thousand bills again, you don't have to get into debt because you have

那意外的千元賬單，你不必再負債，因為你有。

been planning your cash flow pretty well!

你的現金流規劃得很好!

1.

1.

Allocate your necessities the first thing you should do is to have a

分配你的必需品，你首先要做的是有一個

list of your necessities, what are the things you literally can't live without, your house,

列出你的必需品，哪些是你真的不能沒有的東西，你的房子。

groceries, transport.

雜貨、運輸。

Whether you like it not, you have to pay your bills every month.

不管你喜不喜歡，你每個月都要付賬單。

Otherwise, you will end up in the streets.

否則，你將會流落街頭。

But here is the problem.

但問題就在這裡。

A lot of people can't differentiate between their needs and wants.

很多人分不清自己的需求和慾望。

Your Starbucks coffee might be important, but its definitely not a need but rather a

你的星巴克咖啡可能很重要，但它絕對不是一種需要，而是一種

want.

因為：

The reason why this is important is that a lot of people complain that their income is

之所以說這一點很重要，是因為很多人抱怨自己的收入是。

not enough, that's why they are living paycheck to paycheck.

不夠，這就是為什麼他們的生活薪水支票。

I am not gonna argue against that, you are probably underpaid, maybe not, but that doesn't

我不打算反駁，你的工資可能低了，也許沒有，但這並沒有

mean you can't manage your cash a bit more effectively, at least.

意味著你不能更有效地管理你的現金，至少。

Especially if you want to get out of this desperate financial position, you definitely

特別是如果你想擺脫這種絕望的財務狀況，你一定要。

need to be much more responsible with your paycheck.

需要更負責任地使用你的工資。

Denying yourself some of the pleasures might be difficult, but at least you know that you

拒絕自己的一些樂趣可能是困難的，但至少你知道你的

aren't going to be broke soon.

不會很快破產。

You don't have to spend every penny in your pocket to make it till the next of the month.

你不必把口袋裡的每一分錢都花光，就能撐到下個月。

2.

2.

Emergency fund

緊急基金

Once you are done with that, you should start building your emergency fund.

一旦你完成了這些，你應該開始建立你的應急基金。

A lot of people would say that you should have at least a thousand dollars or maybe

很多人都會說，你至少要有1000美元，或者是......

even a few thousand dollars in case if things go south, and they have a point.

甚至是幾千塊錢，以防萬一，他們也有道理。

That makes sense

這就對了

But I don't like complicating things.

但我不喜歡把事情複雜化。

Your emergency fund should be your savings fund as well.

你的應急基金也應該是你的儲蓄基金。

Before you throw at me your angry comments, let me explain why.

在你向我拋出你憤怒的評論之前，讓我解釋一下原因。

Here is how it suppose to work.

這就是它應該如何工作。

Once you are done with the first step, you should have a clear idea of how much exactly

一旦你完成了第一步，你應該清楚地知道到底有多少錢

you need to live decently.

你需要體面地生活。

Take that amount and multiply it by 6, that's your number, that's how much your emergency

把這個數字乘以6，就是你的數字，就是你的應急款。

fund should have at any point.

基金在任何時候都應該有。

Of course, you cant build that fund in a month or two.

當然，你不可能在一兩個月內建立起這筆基金。

It might take you an entire year to do that, if not longer.

這可能需要你花一整年的時間，甚至更長的時間來完成。

There isn't an exact percentage of your income you should allocate to that because it will

沒有一個確切的百分比，你應該分配到你的收入，因為它會

highly depend on your income.

高度依賴於你的收入。

If you are hardly making enough to make till the end of the month, you might consider a

如果你的收入幾乎不足以維持到月底，你可以考慮用一個。

small percentage.

小比例。

If you are making much more than you possibly need, then you probably should build your

如果你賺的錢比你可能需要的多得多，那麼你可能應該建立你的。

emergency fund faster.

應急基金更快。

Maybe you should not be having an emergency fund at all because you are hardly making

也許你根本就不應該有應急基金，因為你幾乎沒有賺到錢。

ends meet.

餬口。

What's the point of saving money when you barely pay your rent?

勉強交了房租，還省什麼錢？

In this case, you should forget about this fund and focus on increasing your income first.

在這種情況下，你應該忘記這個基金，先把注意力放在增加收入上。

It might not be easy, but there are plenty of ways to do that.

這可能不容易，但有很多方法可以做到。

When you have multiple accounts to save money, it starts consuming a lot of time, which means

當你有多個賬戶來存錢時，就開始消耗大量的時間，這意味著

you probably won't stick to it.

你可能不會堅持下去。

You will do it once, or maybe twice and then you are going to forget about it.

你會做一次，或者兩次，然後你就會忘記它。

That's why I do my best to simplify everything as much as possible.

這就是為什麼我盡最大努力簡化一切的原因。

And secondly, there is no point in saving a lot of money.

其次，省下很多錢也沒有意義。

You gotta do something with that money to keep it growing, but let's not get ahead of

你得用這些錢做一些事情來保持它的增長，但我們不要走在前面。

us.

我們：

We will talk about that in a moment.

我們稍後再談這個問題。

But before you build your emergency fund, make sure to pay your debts, especially high-interest

但在建立應急基金之前，一定要先還清債務，尤其是高息的債務

debts.

債務；

3.

3.

Debt

債務

Borrowing money isn't cheap, especially borrowing for short term periods.

借錢並不便宜，尤其是短期的借款。

I am a big fan of using credit cards to pay the bills, but only if you know that you can

我很喜歡用信用卡來支付賬單，但前提是你要知道你可以。

close your balance at the end of the month.

月末結清你的餘額。

That way, you are not just paying your bills but also building your credit score.

這樣一來，你不僅僅是在支付賬單，也在建立自己的信用分數。

However, if you end up paying interest on your debts, then that's insane.

然而，如果你最終要為你的債務支付利息，那就太瘋狂了。

Imagine working so hard to make a thousand dollars and then spend 20 percent of it to

試想一下，辛辛苦苦賺了一千多塊錢，卻花了百分之二十的錢，來進行

cover your credit card interest.

覆蓋您的信用卡利息。

I have never paid a dime in credit card interest in my entire life, and I would suggest you

我這輩子都沒付過一分錢的信用卡利息，我建議你

to do the same.

來做同樣的事情。

But if you already have high-interest debts on your shoulders, before you even save a

但如果你的肩上已經揹負了高息債務，在你還沒有存下一

dime, make sure to pay them all as soon as you can.

一毛錢，一定要儘快全部付清。

4.

4.

Entertainment Now, let's move to my favorite part, entertainment.

娛樂 現在，讓我們進入我最喜歡的部分，娛樂。

This is the part where you initially plan to spend the least amount of money but end

這是你最初計劃花最少的錢，但最後

up splurging most of your income.

揮霍了大部分的收入。

Come on, be honest about it!

來吧，老老實實的說吧!

How many times did it happen!

多少次了!

It happens every single time.

每一次都會發生。

No matter how disciplined you think you are going to be, most of you won't be able to

無論你認為自己要多麼自律，大多數人都無法做到。

spend the entire month without spending on entertainment, it's just part of life.

整月不在娛樂上消費，這只是生活的一部分。

Hanging out with friends, going to a bar at night or going for a movie with your homies,

和朋友一起出去玩，晚上去酒吧或者和老鄉一起去看電影。

it's just part of modern life.

這只是現代生活的一部分。

Just a little advice, never ever go into debt for entertainment!

只是給大家一點建議，千萬不要為了娛樂而負債!

No matter how badly you want that!

不管你有多想要！

Borrowing money to have fun is the dumbest financial decision you will ever make!

借錢玩樂是你做過的最愚蠢的財務決定!

You can somehow justify your student debt, mortgage, rent, or any other necessity, but

你可以以某種方式證明你的學生債務，抵押貸款，租金或任何其他必需品，但。

not entrainment!

不是誘導！

So for god's sake!

所以，看在上帝的份上！

Do not disappoint me!

不要讓我失望！

Let's try to be a little bit specific.

讓我們試著說得具體一點。

What do we mean by entertainment?

什麼叫娛樂？

I consider entertainment everything else that's not considered as a necessity.

我認為娛樂的其他一切，都不認為是必需品。

That Starbucks coffee, casual eating out with friends, that new hoodie you bought but you

星巴克的咖啡，和朋友們隨意吃的東西，你買的那件新帽衫，但你

don't need.

不需要

Of course, you cant break down your spending habits into little small parts and micromanage

當然，你不能把你的消費習慣分解成一個個小部分，進行微觀管理。

them.

他們。

From my experience, micromanagement doesn't help unless you are a real nerd.

根據我的經驗，微觀管理沒有任何幫助，除非你是一個真正的書呆子。

After a few days or maybe even a week, you will just dump your plan and start spending

幾天甚至一個星期後，你就會拋棄你的計劃，開始花錢

randomly.

隨機的。

So do not underestimate your entertainment spending and set a realistic budget.

所以不要小看自己的娛樂消費，制定一個切實可行的預算。

5.

5.

Invest the rest!

投資剩下的錢!

Many of you might disagree with me because I am not making investing the first priority.

很多人可能不同意我的觀點，因為我沒有把投資作為第一要務。

You might think it should be on the top of the list, and I am not gonna disagree with

你可能會認為它應該在榜單的前列，我不會不同意

you.

你。

You have got a point!

你說的有道理！

But from my experience, I would say, what's the point of investing when you barely cover

但根據我的經驗，我想說，當你勉強覆蓋的時候，投資的意義是什麼？

your necessities.

你的必需品。

Talking about investing is a lot different than actually putting your money at stake.

談論投資和實際投入資金有很大不同。

You invest only when you make enough money after covering your basic bills at least.

至少在覆蓋了基本賬單之後，你才能賺到足夠的錢，才會進行投資。

But enough doesn't mean millions of dollars, not even hundreds of thousands.

但夠用並不意味著幾百萬元，甚至幾十萬元。

Once you start making a little bit more than you need to make ends meet and you have some

一旦你開始賺一點點 超過你需要的生活，你有一些。

basic savings, you can consider investing.

基本儲蓄，你可以考慮投資。

Of course, that might mean working harder or getting a second job, or maybe hustling

當然，這可能意味著要更加努力地工作，或者找第二份工作，也可能是拼命地工作

on the side.

邊上的。

It's going to be different for everyone.

每個人的情況都會不同。

But that's probably the only way.

但這可能是唯一的辦法。

What I would do is focus on building the emergency fund first, because when you invest your money,

我會做的是先集中精力建立應急基金，因為當你把錢投資。

it's not always easy to quickly liquidate it in case if things go south.

它不總是容易快速清算它，以備萬一出了問題。

Of course, it depends on the nature of your investment, but you don't want to pull out

當然，這要看你的投資性質，但你不希望拔出

at the wrong time and make a loss when you intended to grow your money.

在錯誤的時間，在你打算增長你的錢的時候，使你虧損。

Isn't that the purpose of investing?

這不就是投資的目的嗎？

6.

6.

Invest in yourself But that doesn't mean you shouldn't invest

投資自己 但這並不意味著你不應該投資

in yourself.

在你自己。

If you spend a single day without learning or growing, that's a day wasted.

如果你花一天的時間不學習、不成長，那就是浪費了一天。

Because if you are not a better person today than you were yesterday, then what is the

因為如果你今天沒有比昨天更好的人，那還有什麼意義呢？

point of living that day.

當天生活的點。

So regardless of how big or small your income is, always invest even a tiny portion of that

所以，無論你的收入是多是少，都要將其中哪怕是很小的一部分投資於

amount into yourself.

量進入自己。

Get a book on personal finance and learn how to manage your money better, pick up a course

買一本個人理財的書，學會如何更好地理財，選一門課程吧。

on the stock market and learn how to invest in the stock market (by the way, if you use

在股市上，學習如何投資股市（順便說一下，如果你用

the link in the description, you can get this amazing course for free on skillshare).

在描述中的鏈接，你可以得到這個驚人的課程，免費在技能共享）。)

But investing doesn't just mean reading books.

但投資並不只是指看書。

Going to seminars, meeting new people who are smarter than you is another way to invest

參加研討會，認識比你聰明的新朋友，是另一種投資方式。

in yourself.

在你自己。

I would even say that traveling is investing in yourself because it forces you to get out

我甚至想說，旅行是對自己的投資，因為它迫使你走出去。

of your comfort zone and think outside the box.

舒適區，跳出思維定勢。

And lastly, make sure to invest some of your money in an index fund.

最後，一定要將部分資金投資於指數基金。

7. index fund.

7、指數基金。

Investing in yourself is great; investing in different stocks is great, but a portion

投資自己很好，投資不同的股票也很好，但有一部分人

of your investments should be in a low-risk ETF that would grow to a substation amount

你的投資應該是在低風險的ETF，將增長到一個分站的金額

in the long run through the power of compounding.

從長遠來看，通過複利的力量。

You shouldn't touch that amount in any cause, because the whole purpose of investing in

你不應該在任何事業上觸碰這個金額，因為投資的目的就是為了達到

an ETF is to rip the rewards of compound interest.

ETF是撕裂的複利獎勵。

So even if your individual stocks suffer or your investment in yourself won't pay enough

所以，即使你的個股受到影響，或者你對自己的投資回報率不夠高

for one reason or another, you can be confident that you have something to fall on should

由於這樣或那樣的原因，你可以確信你有一些東西可以依靠，萬一

something chaotic happen, god forbid.

亂七八糟的事情發生，上帝保佑。

But if someone would give you free stocks, then you probably shouldn't care like Webull.

但如果有人會給你免費的股票，那你可能就不應該像Webull那樣關心。

Yeah, if you use the link in the description, you can get at least two free stocks.

是的，如果你使用描述中的鏈接，你可以得到至少兩隻免費股票。

And now it's your turn, how do you spend most of your money?

現在輪到你了，你的大部分錢怎麼花？

What is your financial plan for 2021?

2021年，你的理財計劃是什麼？

Let me know in the comments below.

請在下面的評論中告訴我。

And as always, give this video the thumbs up that it deserves and, of course, subscribe

一如既往，給這個視頻豎起大拇指，它應該，當然，訂閱。

and turn your notifications.

並將你的通知。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。