accountant, who makes like 100 dollars an hour.  In that case, you need to save every penny you  

會計師，誰做 像100美元一個小時。 在這種情況下，你需要節省每一分錢，你。

earn for five years in a row. Which is impossible  because you need food on the table and a roof over  

賺取連續五年的收入。這是不可能的，因為你需要在桌子上的食物和屋頂上

your head. But let's just say hypothetically, how  long do you need to make a billion dollars. If you  

你的頭。但是我們假設一下，你需要多長時間才能賺到一個億。如果你

earn 100 dollars for every hour, you are alive,  assuming you work 24/7 and don't sleep, eat or do  

每小時賺100元，你還活著，假設你24小時工作，不睡覺、不吃飯、不做。

anything else, you need 1141 years. And you still  won't make 1 percent of Jeff Bezos's net worth.  

其他的東西，你需要1141年。而你仍然賺不到傑夫-貝佐斯淨資產的1%。

Because to compete with Jeff Bezos, you  need to multiply that number by 200. 

因為要與傑夫-貝佐斯競爭，你需要將這個數字乘以200。

That really shows you that there is no way  to build wealth if your plan to just make  

這真的說明，如果你的計劃只是為了賺取

more money per hour. There are other ways, such  as making your money work for you, that we have  

每小時賺更多的錢。還有其他方法，比如讓你的錢為你工作，我們有

discussed in previous videos or creating something  that brings value to a huge number of people  

在之前的視頻中討論過，或者創造一些能給大量人帶來價值的東西。

like most of these entrepreneurs have done. I mean, when you create an operating  

就像大多數這些企業家所做的那樣。我的意思是，當你創建一個操作

system (Windows XP) that 95% of all computers  use. You instantly make billions of dollars  

系統（Windows XP），95%的電腦都在使用。你瞬間就能賺取數十億美元

since there are billions of computers worldwide.  Or a platform that delivers billions of packages  

因為全球有數十億臺電腦。 或者說是一個平臺，可以交付數十億個包裹

annually to hundreds of millions of people. You  make billions of dollars as well. But you don't  

每年給數億人。你也賺了幾十億美金。但你不

need that much money, to be honest. Every extra  dollar you earn after paying all of your bills  

需要那麼多錢，說實話。每一個額外的美元，你賺 在支付所有的賬單後，你的收入

is just another digit on your smartphone. On my way to financial freedom,  

只是你智能手機上的另一個數字。在我走向財務自由的路上。

I have realized that habits have played  a huge role in my personal success.  

我意識到，習慣對我個人的成功起到了巨大的作用。

If there is one piece of advice I will give  to anyone striving to become financially free,  

如果有一條建議，我會給任何努力實現財務自由的人。

focus on acquiring the right habits. Because  if you do not, you will automatically develop  

專注於養成正確的習慣。因為如果你不這樣做，你就會自動養成。

bad habits since we humans are creatures of  habits which is why I want to talk in this  

壞習慣，因為我們人類是習慣的生物，這就是為什麼我想在這篇文章中談論

video about some of the most important habits  that helped me achieve financial freedom. 

關於一些最重要的習慣，幫助我實現財務自由的視頻。

But before we move, make sure to give this  video a thumbs up for the youtube algorithm.

不過在我們行動之前，一定要為這個視頻的youtube算法豎起大拇指。

1. The number one habit that I would recommend  everyone to start with is tracking every dollar  

1.我建議大家從頭開始養成的第一個習慣就是追蹤每一塊錢的情況

you spend. It sounds so simple, but it's by  far the most important and effective habit  

你的花費。聽起來很簡單，但這是迄今為止最重要、最有效的習慣。

you can develop, and many people take it for  granted. They think they can do it in their head,  

你可以開發，而很多人認為這是理所當然的。他們認為他們可以在他們的頭上做到這一點。

but it doesn't work, you need to write it  somewhere, whether you write in a journal,  

但這沒用，你需要把它寫在某個地方，無論是寫在日記裡。

use an app or do it through excel, you  should set up a system where you can easily  

使用應用程序或通過excel做，你應該建立一個系統，讓你可以輕鬆地

find out where exactly do you spend your money. Some people have so many subscriptions that they  

找出你的錢到底花在哪裡。有些人的訂閱數量太多，以至於他們

don't use much but waste a fortune. A 10 dollar  subscription here, 15 dollar subscription there,  

用的不多，卻浪費了一大筆錢。這裡10元訂閱，那裡15元訂閱。

a 12 dollar subscription here, in a single  month, they turn to 37 dollars or 444 dollars  

一個12美元的訂閱，在這裡，在一個月內，他們變成37美元或444美元。

a year. Imagine investing that money instead  that will turn into a fortune. In 30 years,  

一年。想象一下，投資這些錢，反而會變成一筆財富。30年後。

that will turn into over 92K dollars. It is a good  example to illustrate that that every dollar you  

就會變成9萬2千多塊錢。這是個很好的例子，說明你的每一美元

save today will become far more valuable in  the future through the power of compounding. 

通過複利的力量，今天省下的錢在未來會變得更有價值。

It's so easy to waste money that even if you make  ten times the amount you need, you can easily blow  

浪費錢太容易了，即使你賺了十倍的錢，也很容易就吹了

it up if you do not track your spending. I  can say that from my personal experience.

它了，如果你不跟蹤你的消費。我可以說，從我的個人經驗。

2. The second habit I would recommend is - build  systems. I try to automate everything in my life  

2.我推薦的第二個習慣是--建立系統。我嘗試著將生活中的一切自動化

because as you get older, you start to understand  that the most valuable thing you ever have  

因為隨著年齡的增長，你開始明白 你所擁有的最有價值的東西。

is time. Believe me, time doesn't equal money.  Time is far more important than money. The amount  

是時間。相信我，時間不等於金錢。 時間遠比金錢重要。時間的多少

of free time you have is the ultimate sign of how  wealthy you are! Because the more free time you  

你有多少空閒時間，是你有多富有的最終標誌!因為你的空閒時間越多

have, the more time you can spend on thinking,  studying, and finding more ways to make money. 

有了，你就可以花更多的時間去思考，去學習，去尋找更多的賺錢方法。

Take, for example, tracking your spendings. It  takes a lot of time to track your spendings,  

比如說，跟蹤你的消費情況。追蹤你的支出需要很多時間。

but for me, I don't spend more than 30 to  40 minutes a month on that because I have  

但對我來說，我每月花在這上面的時間不會超過30到40分鐘，因為我有。

already created a system where I can do  that quickly. I use to use excel before,  

已經建立了一個系統，我可以快速的做到這一點。我以前用的是excel。

but now I use Notion. I have created  a table with all of my expenses,  

但現在我使用Notion。我已經創建了一個表格，上面有我所有的支出。

subscriptions, income, and everything else.  I have fixed expenses and variable expenses.  

訂閱、收入和其他一切。 我有固定的支出和可變的支出。

The moment I get a new subscription or  another fixed expense, I immediately add it. 

一有新的訂閱或者其他固定的支出，我就會立刻加進去。

I try to pay for everything with my credit  card, and at the end of every week, I just  

我試著用信用卡支付所有的東西，每個星期結束時，我只是...

match my spendings through my banking app with my  budget. If it matches, I am doing great. If not,  

通過我的銀行應用程序將我的支出與我的預算相匹配。如果它匹配，我做得很好。如果不匹配

then I try to adjust my spendings. With minimum  effort and time, I keep my spendings in check. 

然後，我試著調整我的消費。用最少的精力和時間，我控制住了我的消費。

Or let's say I am analyzing a certain company.  There are a few metrics I look for in a company.  

或者說我在分析某家公司。 我看一家公司有幾個指標。

If it meets my standards, I take an  in-depth look into it. If it doesn't,  

如果它符合我的標準，我就會深入研究它。如果不符合

I just skip it so I don't waste time looking  at companies I would not invest anyways. 

我只是跳過它，這樣我就不會浪費時間看那些我無論如何都不會投資的公司。

So, look at your life, your job, your  responsibilities and figure out how  

所以，看看你的生活，你的工作，你的責任，並找出如何。

you can automate them and thank me later when  you realise how much time its going to save you.

你可以把它們自動化，當你意識到它將為你節省多少時間時，你會感謝我。

3. The third habit is - don't invest in what  you don't understand. If there is one piece of  

3.第三個習慣是--不懂的東西不要投資。如果有一個

advice I would give to my younger self, then it  would be this. This is the mistake that I made  

我會給年輕的自己一個忠告，那麼它會是這樣的。這是我犯的錯誤

multiple times, and I see people doing it over and  over. Investing is risky. It doesn't matter what  

多次，我看到人們一次又一次地做。投資是有風險的。這並不重要

you invest in! And when you invest in something  you don't understand, it's worst than gambling.  

你投資的東西！而當你投資於一些你不瞭解的東西時，它比賭博更糟糕。

You are almost guaranteed to lose money. Here is the lesson - there is no such  

你幾乎可以保證虧錢。這裡的教訓是--沒有這樣的

thing called as investing in one  thing is better than the other.  

叫做投資一物降一物的事情。

Overall the economy is moving forward, so whether  you invest in the stock market, real estate,  

總的來說，經濟是向前發展的，所以無論是投資股市、房地產。

startups, your own business, an ETF, it doesn't  matter! in the long run, they are all profitable! 

創業公司、自己的企業、ETF，這都不重要！從長遠來看，它們都是盈利的。

The challenge is to pick the right real estate,  the right stock, or the most promising business  

挑戰在於如何選擇合適的房地產、合適的股票或最有前途的企業。

and the only way to do that is to have a deep  understanding of that industry. When they say  

而唯一的辦法就是對這個行業有深刻的理解。當他們說

that you should diversify your investment,  keep 40 percent of your portfolio in stocks,  

你應該分散投資，保持40%的投資組合在股票上。

30 percent in real estate, and the  rest in different asset classes. 

30%在房地產，其餘的在不同的資產類別。

That advice is for people who already  have tenths of millions of dollars,  

這個建議是給那些已經擁有十分之一百萬美元的人的。

not for the average folk who  lives paycheck to paycheck.  

而不是為普通老百姓誰的生活薪水支票。

So forget all of that, and focus only  on one industry or one asset class.

所以忘掉這些，只關注一個行業或一類資產。

4. Produce instead of consume Our society is divided into two are groups.  

4.以生產代替消費 我們的社會分為兩個群體。

The first ones are the producers and the second  ones are the consumers. We're all somewhere in  

第一個是生產者，第二個是消費者。我們都在

the middle. No one is entirely a consumer or fully  a producer. But the question is, are you more of  

中間。沒有人完全是消費者，也沒有人完全是生產者。但問題是，你是更多的

a producer, or are you more of a consumer? Take Youtube, for example. There are people  

是生產者，還是消費者？以Youtube為例。有一些人

who create content, and then there are people who  consume that content. the question is - which one  

創作內容的人，還有消費這些內容的人。

are you? The ones who produce are probably much  better financially than the ones who consume. 

你是嗎？生產的人可能比消費的人經濟條件好很多。

If you spend most of the time just consuming  and consuming, you shouldn't be surprised  

如果你大部分時間只是在消費和消耗，你不應該感到驚訝

if you're doing horrible financially. Start  thinking about how you can become a producer.  

如果你的財務狀況很糟糕。開始思考如何才能成為製片人。

It's not just about YouTube it's  pretty much about everything else. 

這不僅僅是關於YouTube，而是關於其他的一切。

But today it's really difficult. Because you are  constantly distracted by what others produce. The  

但如今真的很難。因為你總是被別人生產的東西所幹擾。的

moment you pick up your phone, you get  bombarded by what others are producing,  

當你拿起手機的那一刻，你就會被別人生產的東西轟炸。

you end up wasting hours and hours of  your time watching YouTube when instead  

你最終浪費了幾個小時的時間看YouTube，而非

you planned just to check out what's going on. So start making that shift. If I am spending 4  

你計劃好了的，只是想看看發生了什麼。所以，開始進行這種轉變。如果我花4

or 5 hours a day workings and the rest,  I spend consuming. How can I at least  

或每天工作5小時，其餘的時間，我都在消耗。我怎麼能至少

spend half of my time producing and what I  can produce? The moment you make that change,  

花一半的時間去生產，我可以生產什麼？當你做出這個改變的時候。

you will not just start making more money,  but you will start spending less money.

你不僅會開始賺更多的錢，而且會開始花更少的錢。

5. The final habit is - think  twice before making a decision. 

5.最後的習慣是--三思而後行。

This habit might not seem so important, but  it's one of the most important habits I have  

這個習慣看似不那麼重要，但它卻是我最重要的習慣之一。

ever developed. Often what happens with us  is that we take decisions without giving them  

曾經發展。我們經常發生的情況是，我們在沒有給他們做出決定的情況下

much thought and then later down the road,  we realised that it was a terrible decision. 

經過深思熟慮，後來我們意識到這是一個可怕的決定。

You waste a grand to buy a gadget and then realize  that it was a waste of money. You take a loan and  

你浪費了一千塊錢買了一個小玩意，然後發現這是在浪費錢。你借了一筆錢，然後

then find out that it was unnecessary, but it's  too late already. The damage has been done.  

然後發現這是不必要的，但已經太晚了。傷害已經造成了。

I have made that mistake a million times, so  despite the importance of being able to make  

我已經犯了無數次這樣的錯誤，所以儘管能夠做出的重要的

decisions fast and quickly. I give myself more  time. If I can postpone it to the next day and  

迅速、快捷地做出決定。我給自己更多的時間。如果我可以把它延後到第二天，並且。

think about it in the morning with fresh ahead,  I would do it. Especially if its spending a lot  

早上想一想，有了前面的新鮮事，我會做的。特別是如果其花了很多

of money or a long term commitment.  Try not to take instant decisions.  

的錢或長期的承諾。 儘量不要即時做出決定。

In fact, the fewer decisions you take, the better.  That's why habit number 2 is so important, because  

事實上，你做的決定越少越好。 這就是為什麼習慣2如此重要，因為

the more you can automate, the more time you  will have to spend on more important decisions.

你能自動化的程度越高，你就有更多的時間去做更重要的決定。

If you have enjoyed this video, you will most  definitely enjoy this custom playlist that I  

如果你喜歡這段視頻，你一定會喜歡我的這個自定義播放列表。

have created specifically for you that  has our most popular videos on business,  

專門為您創建了我們最受歡迎的商業視頻。

investing, and the stock market that  can potentially change your life. 

投資，和股市，有可能改變你的生活。

And now give this video the thumbs  up that it deserves and make sure to  

現在給這個視頻豎起大拇指，它應該得到，並確保

subscribe if you haven't done that yet. Thanks for watching and until next.

訂閱，如果你還沒有這樣做。感謝您的觀看，直到下一次。