news articles into short, easy to read summaries.  The app instantly received over 100K downloads  

將新聞文章轉化為簡短易讀的摘要。 該應用瞬間獲得超過10萬次下載。

and attracted venture capital investments. Less  than two years later, the app was acquired by  

並吸引了風險投資。不到兩年後，這款應用就被

Yahoo for 30 million dollars making Nick  D'Aloisio a millionaire before hitting 18. 

雅虎以3000萬美元的價格讓尼克-達洛伊西奧在18歲之前成為百萬富翁。

But not everyone gets such an opportunity to  become so rich at such a young age. However,  

但並不是每個人都有這樣的機會，年紀輕輕就能變得如此富有。不過。

that doesn't mean there is nothing you  can do. In fact, if you make a few right  

這並不意味著你什麼都做不了。事實上，如果你做出一些正確的

financial decisions when you are still a  teenager, you are almost certainly going  

當你還是青少年的時候，你幾乎肯定會做出財務決定。

to become wealthy in your late 20s or maybe 30s. While it's difficult to imagine yourself hitting  

在20多歲或許30多歲時成為富翁。雖然很難想象自己會在20多歲的時候達到

30 when you are just 15 years old, trust me,  it's going to happen much sooner than you think,  

30歲的時候，你才15歲，相信我，它會比你想象的早很多。

and building wealth later is much more  difficult. Because now you don't have  

而以後積累財富的難度就更大了。因為現在你沒有

all of these expenses that adults usually have,  such as paying rent, buying groceries, and so on. 

所有這些成年人通常都有的開支，比如交房租、買菜等等。

The moment you step into a life where you  have to pay the rent and feed yourself,  

當你踏入要交房租、要養活自己的生活的那一刻。

there is no going back. You will automatically  have fixed expenses that you cant get rid of. 

沒有回頭路了。你會自動有固定的開支，你無法擺脫。

By the way, I have a confession to make when I  was like 15 years old. I had no idea what the  

順便說一下，我有一個懺悔做 當我像15歲，我不知道什麼是

stock market is. I have heard about it in the  news, I have heard people talking about it, but  

股市是。我在新聞中聽說過，我聽到人們在談論它，但。

I literally had no idea what is it and how does  it work. So if you are watching this video as a  

我真的不知道它是什麼，它是如何工作的。所以，如果你正在觀看這個視頻作為一個

teenager, I am jealous. I wish I was smart enough  to learn about investing when I was 15 years old. 

少年，我很嫉妒。我希望自己足夠聰明，在15歲的時候就能學會投資。

To make this video, I asked myself, what are  the things I wish I knew when I was a teenager?  

為了製作這個視頻，我問自己，我希望自己在少年時知道的事情有哪些？

What are the different financial decisions I  would have taken? How would I start building  

我會做出哪些不同的財務決定？我將如何開始建立

wealth if I would be 14,15 or 16 years old? If you are a teenager watching this video,  

財富，如果我會14、15、16歲？如果你是一個青少年，看這個視頻。

this is probably going to be one of the  most important things you will learn,  

這可能將是你將學習的最重要的東西之一。

even if you are slightly elder. I am sure  this information can help you as well. 

即使你年紀稍大。我相信這些資訊也能幫助你。

So if you are ready, give this video  a thumbs up, and let's get right  

所以，如果你準備好了，請對這個視頻豎起大拇指，讓我們開始吧

into it! 
 

融入其中!


 compound interest is the best tool on your arsenal

複利是你的武器庫中最好的工具。

The most powerful tool as a teenager you have is  compound interest. If you don't take advantage  

作為青少年，你最有力的工具就是複利。如果你不利用

out of it, you are literally wasting your teenage  years. If you don't know what compound interest  

出，你簡直是在浪費你的青春年華。如果你不知道什麼是複利

is and how it can help you, don't worry! Because  I also didn't know that when I was a teenager. 

是什麼，以及它如何幫助你，別擔心！因為我十幾歲的時候也不知道。因為我在十幾歲的時候也不知道。

Consider this simple example, If you were given  a choice between taking 3 million dollars in cash  

考慮這個簡單的例子，如果給你一個選擇，在拿300萬美元現金之間

this very moment or a single penny that  doubles every day for the next 31 days? 

此時此刻還是一分錢，在接下來的31天裡每天都會翻倍？

Which one would you choose? At first glance, it seems like  

你會選擇哪一個？乍一看，好像是

choosing the million dollars is the wisest option,  but if you take a moment and think about it,  

選擇百萬美元是最明智的選擇，但如果你花點時間考慮一下。

you will realize that a penny that doubles  for the next 31 days is a far better choice. 

你會意識到，未來31天內翻倍的一分錢是更好的選擇。

In the first five days, the penny that doubles  every day turns into a single dollar. By the  

在前五天，每天翻倍的一分錢變成了一元錢。到了

10th day, it increases to 5.12 dollars. Even  within the next 10 days, by the day 20th,  

第10天，增加到5.12元。即使在接下來的10天內，到了第20天。

you are going to get only $5243. If you have chosen the penny,  

你將只得到5243元。如果你選擇了一分錢。

you probably regret it because you are only  getting a little over 5K instead of the 3  

你可能會後悔，因為你只得到一個超過5K，而不是3。

million dollars that could instantly change your  life. But if you would give it a little more time,  

萬元，可以瞬間改變你的生活。但如果你再給它一點時間。

that amount would increase to over 10,737,418  dollars by the 31st day. Even on the day 29th,  

到第31天，該金額將增加到10,737,418元以上。即使在29日這一天。

it would only grow to 2.7 million dollars. The  biggest difference happens in the last two days. 

才會增長到270萬元。最大的差異發生在最後兩天。

So, if you start investing while you  are still 15 years old, you can rip  

所以，如果你在15歲的時候就開始投資，你就可以撕開。

the rewards of the compound interest and become  ultra-rich by the time you are 30, for example. 

複利的回報，並在30歲時成為超有錢人，例如。

But because you are not going  to see any significant progress  

但因為你不會看到任何重大的進展。

in the first year or so as it is with the penny in  its first 20 days, most people don't start early. 

在第一年左右的時間裡，就像它的前20天的硬幣一樣，大多數人都不會提前開始。

Of course, you can't start investing if you are  under 18, but you can open a custodial account.  

當然，如果你未滿18歲是不能開始投資的，但是你可以開一個託管賬戶。

That means an adult -- most likely one of your  parents -- must open the account with you and  

這意味著一個成年人--很可能是你的父母之一--必須和你一起開立賬戶，並且

be the custodian, and you can start investing. Of course, it's risky because, as a teenager,  

做保管人，你就可以開始投資了。當然，這是有風險的，因為，十幾歲的時候。

you probably don't know much about the stock  market, but you don't have to. I would just  

你可能不知道很多關於股市， 但你不必。我只是

invest every penny I would save into an ETF  that invests in the S&P500. Whatever happens,  

將我省下的每一分錢都投資到投資於標普500指數的ETF中。不管發生什麼。

I can be confident that my money isn't going to Go  away, and most importantly, it's going to grow. I  

我可以放心，我的錢不會消失，最重要的是，它還會增長。I

am not gonna touch that money at all, not to buy a  car or anything else. I would just let it grow and  

我不會去碰那些錢，不是為了買車或其他什麼。我只是讓它成長和

build wealth. And with the power of compounding,  once I am an adult, I would have some real wealth.

積累財富。而藉助複利的力量，一旦我成年，就會擁有一些真正的財富。

2. Number 2: don't spend money

2.第二條：不要花錢

I know that sounds weird, but you literally  can avoid 99% of the expenses that adults  

我知道這聽起來很奇怪，但你可以從字面上避免99％的費用，成年人的。

usually have. Do you need a roof over your  head? Just keep living with your parents!  

通常有。你需要一個屋頂嗎？你就繼續和你父母住在一起吧！

Do you want to eat? Eat at home,  and you don't even have to cook!  

你想吃嗎？在家吃，還不用做飯!

Of course, there are exceptions, but if  you are watching this video from a first  

當然，也有例外的情況，但如果你是第一次看這個視頻

or second world country, which should be  the case according to YouTube statistics,  

或第二世界國家，根據YouTube的統計，應該是這樣的。

then you are most likely able to do that. Once you  grow up and you have responsibilities, it's much  

那麼你很可能能夠做到這一點。一旦你長大了，你有責任，這是多

more difficult. Trust me. If you haven't tried  living alone and paying all the bills by yourself,  

更難。相信我，如果你沒試過一個人生活如果你沒試過一個人生活，一個人支付所有的賬單。

you will never understand it! So take my word! Once you start a family and have kids,  

你永遠也不會明白的！所以你要相信我的話！一旦你成家立業，有了孩子

saving money will become a dream that you will not  most likely achieve! So save every penny you can  

攢錢將成為你最不可能實現的夢想!所以，要節約每一分錢，你可以

while you have the opportunity and  invest it in an ETF of your choice.  

趁你有機會，投資於你所選擇的ETF。

And for god's sake, when you hit 18, 19,  or 20, don't use that money to buy a car! 

看在上帝的份上，當你到了18、19、20歲的時候，不要用這些錢去買車!

Because getting a car means, a lot of monthly  expenses! Every dollar that you spend on  

因為買車意味著，每個月的支出很多!你的每一分錢，都會花在

maintaining that car could be invested,  and with the power of compound interest,  

維持該車可以投資，並以複利的力量。

could grow significantly! But in order to save,  

可以大幅增長!但為了節省。

you have to make money! If your parents  are giving you pocket money, good for you! 

你必須賺錢!如果你父母給你零花錢，那就好辦了!

If not, as it was in my case! Then 3. Try making money 

如果沒有，就像我的情況一樣!那就來個三下五除二試試賺錢

When you don't have any skills, it's really  difficult to make money because all you can  

當你沒有任何技能的時候，賺錢真的很難，因為你能做的就是

do is get a low paying job. But when you are  a teenager, you can afford to take the risk.  

做的是找一份低薪的工作。但當你是一個少年，你可以承擔風險。

If you end up failing, no one really cares. You  are a teenager. No one expects you to build a  

如果你最終失敗了，沒有人真正關心。你是一個青少年。沒有人指望你建立一個

successful company when you are just 16 years old! And you know what! You still have a roof over your  

當你只有16歲的時候，你就已經是一家成功的公司了!而你知道嗎!你仍然有一個屋頂在你的

head because you are living with your parents and  you don't have to worry about what you are going  

頭，因為你是與你的父母住在一起，你不必擔心你是怎麼回事

to eat because you can always eat at home! So if you are a gamer, try steaming. Maybe  

來吃，因為你可以隨時在家吃!所以如果你是一個遊戲玩家，不妨試試蒸。也許是

make YouTube videos. Open a Fiverr account  and find out if you can offer any services.  

製作YouTube視頻。開一個Fiverr賬戶，看看你是否可以提供任何服務。

Try door to door selling. Try to sell something  online. If you have got a better idea,  

試著上門推銷。試著在網上賣東西。如果你有更好的想法。

try it! The best time to try is when you are a  teenager! You will never have such an opportunity  

試試吧!最好的嘗試時機就是在你十幾歲的時候!你永遠不會有這樣的機會

again! Don't think about failure! If you succeed,  good for you. If you don't, it doesn't matter! 

再來一次！不要去想失敗！如果你成功了，對你有好處。如果你不成功，那也無所謂!

I remember helping people fixing their  computers back when YouTube wasn't a thing,  

我記得在YouTube還沒有出現的時候，我還在幫人修電腦。

you couldn't simply watch a YouTube video  to find out how to fix your computer.  

你不能簡單地看一個YouTube視頻來了解如何修復你的電腦。

Especially now, with all of these opportunities,  as long as you have access to internet,  

尤其是現在，有了這些機會，只要你能上網。

you have no excuses! 4. Keep learning. 

你沒有任何藉口!4.繼續學習。

As a teenager, especially when you are  17 or 18 years old. You think that you  

在青少年時期，尤其是在你十七八歲的時候。你認為你

have figured everything out! Trust me. You  haven't! You are thinking like that because  

已經想通了一切！相信我，你還沒有！你沒有！你這樣想是因為

of how little you know about everything,  so make learning your first priority! 

你對所有事情的瞭解是多麼的少，所以把學習作為你的首要任務!

Don't assume you know about everything  about money just because you could earn  

不要因為你能賺到錢，就認為你對金錢的一切都很瞭解。

a few hundred dollars. Don't hesitate to take  a piece of advice from someone older than you,  

幾百塊錢。不要猶豫，接受比你年長的人的建議。

don't assume you have figured everything out  just because you watched a YouTube video.

不要因為看了YouTube的視頻就認為自己已經想通了一切。

5. Get yourself ready once an opportunity strikes.

5.一旦機會來臨，讓自己做好準備。

You probably already have heard that most of  the money is made during crises, but it's not  

你可能已經聽說過，大部分的錢都是在危機中賺到的，但這不是

made by random people but rather by those who were  getting ready for such an opportunity years ago.  

做出的，而是多年前就準備好這樣的機會的人。

Those who saved enough money and understood  how the economy works made a fortune in 2020.  

那些攢夠了錢，明白了經濟運行方式的人，在2020年發了大財。

Others built their fortunes during the crypto  crisis, or during the real estate crash. So,  

其他人則在加密危機期間，或在房地產崩盤期間建立了自己的財富。所以。

if you are not seeing instant progress now, don't  worry. Just keep hustling. Your time will come,  

如果你現在沒有看到立竿見影的進步，不要擔心。只要繼續努力。你的時間會來的。

be ready for it! 
 

準備好了

Building wealth is great. Investing, build  businesses is, of course, awesome! But it  

積累財富很厲害。投資，建企業當然很厲害!但它

doesn't worth it if you are not going to have  fun. Make sure to have fun along the way,  

不值得，如果你不打算有樂趣。一定要在路上玩得開心。

especially when you are a teenager. You are not  going to be a teenager again, so don't miss this  

尤其是當你還是個少年的時候。你不會再是一個少年，所以不要錯過這個。

opportunity to create some unforgettable memories. Anyways, give this video a thumbs up if you have  

的機會，創造一些難忘的回憶。無論如何，給這個視頻豎起大拇指，如果你有。

found it helpful, and remember that you can get  two free stocks from Webull if you open an account  

覺得很有幫助，記住，如果你開戶，可以免費獲得兩隻Webull的股票。

and deposit 100 bucks. 
 

並存入100塊錢。

Make sure to subscribe if you are new  around here and turn on your notifications. 

如果您是新來的，請務必訂閱，並打開您的通知。

Thanks for watching and until next time. 


感謝您的觀看，直到下一次。