Name: 2021年你的錢需要去的7個地方 (7 Places Your Money Needs To Go in 2021)
Uploaded: 2021-01-23T22:15:32.000Z
Duration: 10 min 6 s

過去簡單式

You probably spent a fortune on gifts on new year's eve, especially when it was Christmas

你可能在新年前夕花了一大筆錢買禮物，尤其是在聖誕節的時候。

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

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。

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？

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!

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。

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.

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

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

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。

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。

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。

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

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。

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

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。

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。

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。

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

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 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。

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

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.

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

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

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。

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

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。

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!

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!

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2021年你的錢需要去的7個地方 (7 Places Your Money Needs To Go in 2021)

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