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  • Have you heard the phrase, the rich keep getting

    你有沒有聽過這樣一句話,富人不斷地得到

  • richer, and the poor are getting poorer?

    越來越富,窮人越來越窮?

  • Well, it's not just a phrase.

    嗯,這不僅僅是一句話。

  • Unfortunately, it's the truth.

    不幸的是,這是事實。

  • Despite the fact that millions of people are leaving poverty behind and are even becoming

    儘管數以百萬計的人正在擺脫貧困,甚至正在成為一種新的生活方式。

  • millionaires.

    百萬富翁。

  • Most people will never make it.

    大多數人都不會成功。

  • In 2020, America's 614 billionaires net worth exceeded 3 trillion dollars.

    2020年,美國614位億萬富翁的淨資產超過3萬億美元。

  • The stimulus bill that supposes to help your average folk ended up helping the billionaires

    刺激法案本應幫助普通人,結果卻幫助了億萬富翁。

  • the most.

    最。

  • At the end of the day, most people spent that money either on their basic needs or purchased

    在一天結束時,大多數人把這些錢花在了他們的基本需求上,或者購買了。

  • some gadgets on amazon.

    亞馬遜上的一些小工具。

  • I guess Bezos was the ultimate beneficiary of the stimulus bill.

    我猜貝佐斯是經濟刺激法案的最終受益者。

  • Even though he has stepped down as the CEO of Amazon, he is still the biggest individual

    即使他已經卸任亞馬遜的CEO,但他仍然是最大的個人。

  • shareholder.

    股東。

  • But the question that I want to focus on in this video is - how do you get out of poverty?

    但在這個視頻中,我想關注的問題是--如何擺脫貧困?

  • What if you are born into a poor family, it's not your fault, what do you do?

    如果你出生在一個貧窮的家庭,這不是你的錯,你該怎麼辦?

  • How exactly do you build wealth and become financially free?

    究竟如何積累財富,實現財務自由?

  • We will answer all of these questions and many more, only if you give this vide a thumbs

    我們將回答所有這些問題,以及更多的問題,只有當你給這個視頻豎起大拇指。

  • and just comment, it doesn't matter what you write down there.

    而且只管評論,你在下面寫什麼都無所謂。

  • I just wanna see how good this video is going to perform, if everyone comments.

    我只是想看看這個視頻的表現如何,如果大家評論。

  • Just comment whatever you want, I promise that I will reply to every single comment

    你想評論什麼就評論什麼,我保證每條評論都會回覆的

  • under this video!

    在這個視頻下!

  • 
 


  • Understand that no one is going to help you except yourself.

    要明白,除了你自己,沒有人會幫助你。

  • it's great when there is someone who can help you.

    當有人能幫助你的時候,這是偉大的。

  • Either it's the government or your parents, but the reality is no one really cares about

    要麼是政府,要麼是你的父母,但現實是沒有人真的關心

  • you except yourself.

    除了你自己,你。

  • Of course, your parents want you to have a better life.

    當然,你的父母希望你有更好的生活。

  • However, they don't always have the ability to provide you with that opportunity, and

    然而,他們並不總是有能力為你提供這樣的機會,而且。

  • if they have grown up in a poor family, it's very unlikely that they can give you good

    如果他們生長在一個貧窮的家庭,他們不太可能給你好的。

  • financial advice.

    財務諮詢;

  • Otherwise they would have gotten out of that position long ago.

    否則他們早就脫離了那個位置。

  • If you talk to people who are struggling financially, they will always blame someone, especially

    如果你和那些在經濟上有困難的人交談,他們總是會責怪某個人,尤其是

  • the government who suppose to take care of them.

    政府應該照顧他們。

  • I am not saying that the government shouldn't take care of you, but if you rely on outside

    我不是說政府不應該照顧你,但如果你依靠外面的...

  • factors, you will have to wait for a long time.

    因素,你將不得不等待很長一段時間。

  • You have to make it crystally clear to your self that no one can help you as much as you

    你要讓自己清楚地知道,沒有人能夠像你一樣幫助你。

  • can help yourself.

    可以幫助自己。

  • That's the first step to make any meaningful change.

    這是做任何有意義的改變的第一步。

  • 
 2.

    2.

  • Don't settle for a low paying job I am not against getting a job.

    不要滿足於低薪的工作我不反對找工作。

  • In fact getting a low paying job when you are a teenager is a perfect opportunity to

    其實在你十幾歲的時候找一份低薪的工作,是一個絕佳的機會,可以讓你在

  • teach yourself the basics of business and money and learn how to be responsible with

    教給自己商業和金錢的基本知識,並學會如何負責任地與。

  • money.

    錢。

  • However, a low paying job is a trap that most people get into and never leave.

    然而,低薪的工作是一個陷阱,大多數人都會陷入其中,永遠無法離開。

  • When you grow up poor, every penny matters, every dollar makes a difference, you grow

    當你窮困潦倒的時候,每一分錢都很重要,每一分錢都有不同的意義,你就長大了

  • up with very little needs and wants.

    了很少的需求和需求。

  • Everything you want can be fulfilled with a few thousand dollars.

    你想要的一切都可以用幾千塊錢來實現。

  • All you want is a proper roof over your head, some good food, and gadgets that everyone

    你想要的只是一個適當的屋頂,一些好的食物,和每個人的小工具。

  • else around has.

    周圍的其他人有。

  • So when you get that first job as a teenager, it provides you with enough income to fulfill

    所以,當你在青少年時期找到第一份工作時,它為你提供了足夠的收入來滿足

  • those needs, but in return, you have to give up most of your time.

    這些需求,但作為回報,你必須放棄大部分時間。

  • So you get to a position where you just work the entire day on a job that doesn't provide

    所以,你到了一個位置,你只是工作了一整天的工作,不提供。

  • you with skills to increase your income year after year but at the same time fills your

    你的技能,使你的收入逐年增加,但同時也充實了你的生活。

  • basic needs at least, so you get trapped in that job.


    至少是基本的需求,所以你會被困在那份工作中。

  • A low paying job gives you instant gratification but a very little reward in the long run.

    低薪的工作能讓你瞬間得到滿足,但長期來看,回報卻非常少。

  • You can quickly earn enough to be able to take a car on credit, get the latest iPhone

    你可以很快賺到足夠的錢,可以賒賬買車,買最新的iPhone。

  • and start going out with friends.

    並開始和朋友出去玩。

  • But, at the same time, it won't give you the luxury of free time to work on yourself and

    但同時,它也不會給你自由的時間來鍛鍊自己和

  • make your time worth far more valuable in the long run.

    從長遠來看,讓你的時間價值大大提高。

  • Hence, you have to teach yourself how to delay gratification.

    是以,你必須教會自己如何延遲滿足。

  • The best way to do that is to start going to the gym.

    最好的方法就是開始去健身房。

  • No matter who you are, no one is going to see any progress after hitting the gym once,

    不管你是誰,只要上過一次健身房,就不會有人看到任何進步。

  • or twice or an entire month.

    或兩次或一整個月。

  • Real progress comes after many months of hitting the gym at least 3-4 times a week, and if

    真正的進步是在很多個月後,每週至少上健身房3-4次,而且如果

  • you want to see a substantial difference, then you might need to go to the gym for a

    你想看到一個實質性的差異,那麼你可能需要去健身房做一個。

  • few years, maybe.

    幾年,也許。

  • That experience will teach you how to work hard for something you will get years later.


    這段經歷將教會你如何為多年後得到的東西而努力工作,
。

  • 3. have a clear planif you don't have a plan of how you are going

    3.有一個明確的計劃
,如果你沒有一個計劃,你是如何去

  • to become financially independent, you will forever be trapped in poverty.

    變得經濟獨立,你將永遠被困在貧困中。

  • It doesn't matter how long that goal is going to take.

    這個目標要花多長時間並不重要。

  • If you don't have the plan, you won't have the discipline to save and invest.

    如果你沒有計劃,你就不會有儲蓄和投資的紀律。

  • Let me just give you a hypothetical example.

    我就舉個假設性的例子吧。

  • Let's say you spend 50K a year.

    比如說你一年花5萬。

  • If you don't know how you are going to create a passive income of 50K, then you are wasting

    如果你不知道如何創造5萬的被動收入,那麼你就是在浪費。

  • your time.

    你的時間。

  • But how do you create such a plan?

    但如何制定這樣的計劃呢?

  • We have discussed that in previous videos, but here is the point in short.

    我們在之前的視頻中已經討論過了,但這裡的重點是簡而言之。

  • You have to buy assets that generate income over time, it could be anything from real

    你必須購買能夠長期產生收入的資產,它可以是任何東西,從實際的。

  • estate to stocks to bonds or a business that can function with minimal management.

    房產到股票到債券,或者是一個可以用最少的管理來運作的企業。

  • A 200K dollar house can be rented for 2K dollars a month, for example, or 24K a year.

    比如一套20萬的房子,一個月可以租2K元,一年也可以租24K。

  • So, for you to become financially free, you need at least to purchase two properties that

    所以,要想實現財務自由,你至少需要購買兩套房產,這兩套房產是

  • will provide you with a rental income of 48K dollars.

    將為您提供4.8萬元的租金收入。

  • That's just one way to do it.

    這只是一種方法。

  • There are a million other ways.

    還有其他無數種方法。

  • You can take a mortgage, for example, and let your tenants pay the mortgage and have

    例如,你可以採取抵押貸款的方式,讓你的租戶支付抵押貸款,並且有

  • a small cash flow with every property.

    每套房產都有少量現金流。

  • Or you can consider the stock market, where you can expect a 10 percent rate of return

    或者你可以考慮股票市場,在那裡你可以期待10%的回報率。

  • in the long run.

    從長遠來看,。

  • It doesn't matter what the plan is as long as it's there, and it seems like it has a

    只要有計劃就無所謂了,而且好像有一個

  • good chance to work.

    工作的好機會。

  • Whether you are going to save 10% of your income to get there or 90 percent, it depends

    你是要把收入的10%存起來才行,還是要存到90%,這要看

  • on you.

    在你身上。

  • But here is what most people are going to say, my income barely covers the bills.

    但這裡大多數人都會說,我的收入勉強能支付賬單。

  • How am I possibly going to save that much and invest?

    我怎麼可能存下那麼多錢來投資呢?

  • that's why you need step number 4! 


    這就是為什麼你需要第四步!

  • 4.

    4.

  • focus on educating yourself

    躬身自省

  • if you are making 50K a year, it's impossible to imagine yourself making 200K, for example

    如果你年薪5萬,不可能想象自己年薪20萬,比如說

  • or half a million dollars or a million dollars.

    或50萬美金或100萬美金。

  • Because you are comparing that million dollars to your current job.

    因為你是在拿那一百萬美元和你現在的工作做比較。

  • If you are making 20 dollars an hour, then you have to make at least 250 dollars an hour

    如果你每小時賺20元,那麼你每小時至少要賺250元

  • assuming you will work for 12 hours every single day to be able to make seven figures,

    假設你每天工作12小時,就能賺到7位數。

  • and as far as it seems, no one is going to pay you that much for a such a job.

    而且就目前看來,沒有人會給你那麼多錢去做這樣的工作。

  • However, that doesn't mean, there aren't ways to earn that much.

    但是,這並不意味著,沒有辦法賺到這麼多錢。

  • There are people who make far more than that, the only problem is, you have to find out

    有些人賺的錢比這多得多,唯一的問題是,你必須要知道。

  • - how! that's why you have to educate yourself.

    - 怎麼會!所以你要教育自己。

  • But if you spend all your time on a low-paying job, you won't be able to do that.

    但如果你把所有的時間都用在低薪的工作上,你就無法做到這一點。

  • So what should you do, either find extra time after you are done with your job or what I

    那麼你應該怎麼做呢,要麼是在你完成工作後找額外的時間,要麼就是我的

  • did back then is just minimize my expenses, deny my self some of the things so that I

    當時做的只是儘量減少我的開支,拒絕我自己的一些事情,所以我...

  • could work less to pay the bills and suddenly I had some extra time to work on myself.

    可以減少工作來支付賬單,突然間我有了一些額外的時間來鍛鍊自己。

  • If you are just starting out, pick up some books, take a look at my book recommendation

    如果你是剛入行的人,可以買點書,看看我的書推薦吧。

  • video, find out what your strengths are, learn how the latest technologies work, and start

    視頻,瞭解自己的優勢所在,瞭解最新的技術是如何運作的,並開始。

  • something in that field.

    該領域的東西。

  • It's not going to happen overnight, but remember that you are in it for the long run.

    這不是一朝一夕的事,但要記住,你是為了長遠發展。

  • 
5.

    5.

  • Set up a boring but effective routine

    設置一個枯燥但有效的程序
。

  • Once you come up with a reasonable plan, it's time to set up a routine.

    當你想出一個合理的計劃後,就可以建立一個常規的計劃了。

  • Forget about having adventures every single day.

    忘了每天都有冒險。

  • You cant be productive if you don't have a routine.

    如果你沒有一個例行公事,你就無法提高工作效率。

  • That life you see on Instagram is nonsense.

    你在Instagram上看到的那種生活是無稽之談。

  • Trust me, everyone who makes real money almost never lives like that.

    相信我,每一個賺到真金白銀的人,幾乎都不會過這樣的生活。

  • The life of a person who makes a lot of money is super boring!

    賺大錢的人的生活超級無聊!

  • Yes, it's boring but yet effective.

    是的,它很無聊,但卻很有效。

  • You wake up every day at the same time, do the same thing, over and over and over a long

    你每天在同樣的時間醒來,做同樣的事情,重複做同樣的事情,重複做很長的時間。

  • period of time, which could be years, you achieve meaningful progress.

    一段時間,可能是幾年,你取得有意義的進展。

  • Remember the example of the gym.

    記住健身房的例子。

  • Building a great body is a result of going to the gym every day and repeating the same

    塑造一個好身材是每天去健身房,重複同樣的運動的結果。

  • exercises.

    練習。

  • Yeah, sometimes you try new equipment, but overall you do pretty much the same thing.

    是的,有時你會嘗試新的設備,但總的來說,你做的事情都差不多。

  • You train your chest, back, biceps, shoulders at least once a week.

    你每週至少訓練一次胸部、背部、二頭肌、肩部。

  • After 2 or 3 years of hitting the gym 3-4 times at least a week, you start to see the

    經過2、3年每週至少3-4次的健身房鍛鍊,你開始看到了

  • fruits of your hard work.

    勤勞的成果。

  • That's how everything works in life, including wealth.

    生活中的一切事情都是這樣的,包括財富。

  • So don't feel miserable when you scroll through your Instagram feed.

    是以,當你滾動你的Instagram飼料時,不要感到痛苦。

  • Just focus on what you are good.

    專注於自己擅長的事情就好。

  • 
 


  • We don't choose how are we born.

    我們不能選擇如何出生。

  • Some of us are lucky to be born rich, while others aren't fortunate.

    我們有的人是幸運的,生而為富,而有的人卻不是幸運的。

  • But As a wise man once said: "It's not how you start that's important, but how you finish!"

    但正如一位智者所言:"重要的不是如何開始,而是如何結束!"重要的不是你如何開始,而是你如何結束!"

  • If you are born poor, it's not your fault, but if you stay poor for the rest of your

    如果你生下來就很窮,那不是你的錯,但如果你一輩子都很窮的話

  • life, then it's your choice.

    生活,那麼這是你的選擇。

  • Of course, circumstances change from country to country.

    當然,每個國家的情況都會發生變化。

  • Being born poor in a first-world country like the united states is different than being

    在美國這樣的第一世界國家裡,生在窮鄉僻壤,和生在窮鄉僻壤是不一樣的

  • born in the middle of Sahara, where you do not have the infrastructure to start building

    出生在撒哈拉中部,在那裡你沒有基礎設施開始建設。

  • wealth.

    財富。

  • However, with the rise of the internet, that has changed, you could be anywhere and yet

    然而,隨著互聯網的興起,這種情況已經發生了變化,你可以在任何地方,但

  • still educate yourself and even build an entire business online.

    還是教育自己,甚至在網上建立一個完整的企業。

  • 
 I hope you guys have enjoyed this video.

    希望你們喜歡這個視頻。

  • If you did, give it thumbs up.

    如果你有,請豎起大拇指。

  • And if you are new around here, then subscribe and turn on your notifications.

    如果你是新來的,請訂閱並打開你的通知。

  • We are trying our best to make great videos for you and hopefully help you achieve your

    我們正在努力為您製作優秀的視頻,希望能幫助您實現您的夢想。

  • financial goals.

    財務目標。

  • Thanks for watching and until next time.

    謝謝你的觀看,直到下一次。 <