unnecessary stuff at the end of the day. We complain that we don't have free time and  

不必要的東西，在一天結束的時候。我們抱怨我們沒有空閒時間，而且... ...

yet willing to work for months to afford something  we don't need. This wall street journal article  

卻願意為買得起我們不需要的東西而工作幾個月。這篇華爾街日報的文章

claims that The average American will have to  work about two or three months a year just to  

聲稱，美國人平均每年要工作兩三個月，才能夠獲得足夠的收入。

make the payments on a new car with insurance. I  am not surprised because I see that all the time. 

繳納新車的保險費。我並不驚訝，因為我經常看到這種情況。

Ask yourself how much money did you have  crossing your hands in your entire life.  

捫心自問，你這一輩子有多少錢橫在手裡。

I am confident that it's a lot of money, but how  much of that money did you save? That's where the  

我相信這是一筆很大的錢，但這些錢你省了多少呢？這就是

problem starts. Probably not much that's why  so many people are in such a dark financial  

問題開始了。可能不多，所以才會有那麼多人陷入如此黑暗的財務中

situation. You know how they say: it's not how  much money you make but how much money you keep.  

的情況。你知道他們是怎麼說的：不是你賺多少錢，而是你留多少錢。

If you are making 10K a month, but you  have to live in a super expensive city,  

如果你月薪10K，但你必須住在一個超級昂貴的城市。

pay a fortune to get to your job and then pay a  fortune just to have the same food that actually  

付出一大筆錢去工作，然後付出一大筆錢，只是為了有同樣的食物，其實

costs pennies, that is not real wealth. I can say that from my own experience.  

成本一分錢，那不是真正的財富。我可以根據自己的經驗說。

So to start my journey to financial freedom, I  started by cutting my expenses. This was one of  

是以，為了開始我的財務自由之旅，我從削減開支開始。這是其中一個

the best things i have ever done since budgeting  and stop spending money on unnecessary stuff  

我做過的最好的事情，因為預算和停止花錢在不必要的東西。

was my strategy to finally start investing. It doesn't sound like a creative strategy,  

是我終於開始投資的策略。這聽起來不像是一個創造性的策略。

but you don't have to be super creative to  save money, all you have to do is take a look  

但你不需要有超強的創造力來省錢，你要做的就是看一看。

at how you are wasting your money and stop it. It  sounds simple, and yet most people can't do that. 

在你如何浪費你的錢，並停止它。這聽起來很簡單，然而大多數人都做不到。

So I want to share with you seven  things i stopped buying to finally  

所以，我想與你分享七件事，我停止購買，以最終

find the money I needed to start investing. So give this video a thumbs up for the youtube  

找到我需要的錢，開始投資。所以給這個視頻的youtube豎起大拇指。

algorithm, and let's jump right into it. 
 

算法，讓我們直接跳進它。

Cars are the biggest money wasters of all time 
 

汽車是有史以來最大的金錢浪費者
。

When I bought my first ever car, I was super  excited. Finally, I am on wheels. I have wanted  

當我買了我的第一輛車時，我超級興奮。終於，我有了輪子。我一直想

this for such a long time. No, I did not get  a loan to buy the car. I paid cash, and I was  

這這麼長的時間。不，我沒有貸款買車。我付了現金，我是

proud of that. Little did I know that the real  cost of owning a car is going to come later. 

驕傲的是。殊不知，真正的養車成本是在以後。

First of all, if you are a fresh driver like I was  back then, you gonna pay a fortune in insurance.  

首先，如果你是像我當年一樣的新司機，你會付出一大筆保險費。

Then there are parking fees, gas, and time to time  you have to change things in the car because it's  

還有停車費、油費，時不時還要換車內的東西，因為車內的

a car and it breaks down. Maybe the first year,  you are not going to spend much, but as your car  

車，而且還壞了。也許第一年，你不會花太多錢，但隨著你的車

gets older, your expenses start to rise. So  if you live in Downtown, do not own a car,  

年紀大了，你的開銷就會開始增加。所以，如果你住在市中心，就不要擁有一輛車。

just use an uber, public transport, or whatever. Buying a car only makes sense when you live  

只是使用uber，公共交通，或任何。買車只有當你生活在

outside the city, or you have kids that you  have to drive to school every day or have no  

城外，或者你有孩子，你必須每天開車去學校，或者沒有。

other choice but to own a car to move around. Other than that, if you are a young teenager or  

除了擁有一輛車來移動之外，還有其他選擇。除此之外，如果你是一個年輕的青少年或

an adult who doesn't have kids, for god's sake,  don't buy a car and save yourself a fortune that  

一個沒有孩子的成年人，看在上帝的份上，不要買車，為自己省下一筆錢。

you can invest. 


你可以投資。

2. Don't buy the stuff you  need if they are not on sale
 

2.如果你需要的東西不打折就不要買
。

There are things you want, and then there  are things you need such as toothpaste,  

有你想要的東西，還有你需要的東西，比如牙膏。

toilet paper, shaving stuff, and the list goes on. You are not going to wake up one morning and  

衛生紙，刮鬍子的東西，還有很多。你不會有一天早上醒來，然後

suddenly stop cleaning your teeth. So there is a  list of things you need to lead your normal life,  

突然停止洗牙。所以有一個清單，你需要過正常的生活。

so One of the best habits I have  developed is I try to buy stuff I need  

所以我養成的一個最好的習慣就是儘量買自己需要的東西。

when they are on sale. Yes, I buy bulk, and  whoever they are not on sale, I don't buy them! 

當他們打折的時候。是的，我買的都是散裝的，他們誰不打折，我就不買!


 Every now and then, there are going to be  

偶爾也會有

discounted because that's how stores work. Their  supplier delivers them products every week, every  

折扣，因為這就是商店的工作方式。他們的供應商每週都會給他們提供產品

month, and the store has to get rid of that merch  before the next merch arrives, so the best way to  

月，而商店必須在下一個商品到來之前把該商品處理掉，所以最好的方法是

get rid of your current products is to put them  on sale and let people like me finally buy them. 

擺脫你現有的產品是把他們的銷售，讓人們像我一樣最終購買他們。

I think it's one of the best  ways to save money because  

我認為這是最好的省錢方法之一，因為。

you know that you need these things anyway. All you have to do is a little planning,  

你知道，你需要這些東西，反正。你所要做的只是一點點計劃。

just create a list, wait when they are on sale..  It's like stocks. You wait until there is a  

只是創建一個列表，等待他們的銷售時，. . 這就像股票。你等待，直到有一個

correction, then you go all in! The same applies to clothes. 

糾正，那你就全力以赴吧!衣服也是如此。


 3. clothes 

3. 衣服。

Don't just buy clothes whenever you want, but  rather buy whenever they are at a discount.  

不要想買衣服就買，而是隻要是打折的衣服就買。

Clothing stores work pretty much  the same way as grocery stores.  

服裝店的工作方式和雜貨店差不多。

Once the new collection arrives, they try  to sell them to as many people as possible,  

新藏品一到手，他們就儘量賣給更多的人。

but usually, there will some leftovers at the  end of the month or the season, so before the new  

但通常情況下，會有一些剩餘在月底或季節，所以在新的

collection arrives, they will put them at a huge  discount like 30% off or 50 or 70 in some cases.  

收藏品到手後，他們會把它們放到一個巨大的折扣上，比如三折，有的甚至是五七折。

That's when you should buy clothes. 

這時候你應該買衣服。

It's not going to save you a ton of  money if you do it once or twice,  

如果你做一次兩次，也不會省下一大筆錢。

but once you turn it into a habit, over a  long period, it's going to save you a fortune.

但一旦你把它變成一種習慣，長期下去，就會給你省下一筆錢。

4. Coffee

4.4. 咖啡

Let me ask - how many cups  of coffee are served a year?  

我想問--一年要喝多少杯咖啡？

1 billion? 10 billion? 100 billion cups? Nope! 

十億？100億杯？1000億杯？不對！

146 billion just in the united states  alone and over 400 billion worldwide!  

僅在美國就有1460億，全球有4000多億!

Literally, 1/3 of coffees are served in the  US! It seems like there enough people who are  

從字面上看，1/3的咖啡是在美國供應的!似乎有足夠的人誰是

ready to pay 4 or 5 bucks for a cup of coffee. No  wonder why this industry is so huge. Coffee has  

準備花4、5塊錢買一杯咖啡。難怪這個行業如此龐大。咖啡有

been ingrained in our culture so deeply that we  are now comfortable paying so much for something  

在我們的文化中根深蒂固，以至於我們現在願意為一些東西付出如此之多的代價。

that costs less than 50 cents to produce. Of course, the cafe has to pay wages,  

成本不到5毛錢的產品。當然，咖啡館是要發工資的。

electricity, rent and a lot of other expenses,  so it makes sense to buy a 5 dollar coffee if  

電費、房租等很多費用，所以如果買5塊錢的咖啡是有意義的。

you are going to spend hours sitting in that  Starbucks doing whatever you have to do,  

你要花幾個小時坐在那家星巴克做任何你要做的事情。

but to pay that much money just to drink a  coffee is insane. I don't feel sorry for people  

但花那麼多錢只是為了喝杯咖啡，真是瘋了。我不覺得對不起人

who complain about living paycheck to paycheck and  yet comfortably spend that much money on a coffee. 

誰抱怨生活的工資支票，但舒適地花那麼多錢的咖啡。


 5. Unhealthy snacks
 

5.不健康的零食
。

This might sound a bit controversial because  everyone loves sweets, and saying to people to  

這聽起來可能有點爭議，因為每個人都喜歡吃甜食，對人說要

stop buying sweets is not something people would  take lightly, however, the problem with almost all  

停止購買甜食不是人們會輕視的事情，然而，幾乎所有的問題是

sweets is that they are unhealthy and expensive.  Going to a Starbucks and getting a coffee with a  

糖果是不健康和昂貴的。 去星巴克買一杯咖啡，再配上一個

super unhealthy slice of cake will cost you  as much as a healthy lunch. So if you stop  

超級不健康的一片蛋糕，會讓你花掉和健康午餐一樣多的錢。所以如果你停止

wasting money on unhealthy snacks, you are  not only going to do a favor to your health  

浪費錢在不健康的零食上，你不僅會對你的健康有好處

but also to your wallet. What could be better than that! 

但也對你的錢包。還有什麼比這更好的呢!


 6. I stopped giving loans to friends

6.我不再給朋友貸款

I remember when I was younger, I was quite naive,  I thought that people genuinely would give you  

我記得我年輕的時候，我很天真，我以為人家真心實意的會給你的

back your loan and would be grateful if you help  them out when they need that help desperately,  

償還你的貸款，如果你能在他們急需幫助的時候幫助他們，他們會非常感激。

but it turns out that giving loans to  friends & family means either, 1. Your  

但事實證明，給親朋好友貸款，意味著要麼，1.你的。

money is lost 2. Your money will be returned  years later 3. You have to keep reminding them  

錢丟了 2.你的錢會在幾年後歸還 3.你要不斷提醒他們。你要不斷提醒他們

because they will never return it on time. And that's not an experience anyone would  

因為他們絕不會按時歸還。而這不是一個經驗 任何人都會

enjoy. I have given thousands of dollars in loans  to friends, relatives and in 70-80% of cases,  

享受。我給朋友、親戚借了幾千塊錢，70%-80%的情況下。

they would even forget that they owe me money. I had this friend back in college. He could not  

他們甚至會忘記他們欠我的錢。我大學的時候就有這樣一個朋友。他不能...

pay his rent, so I loaned him a few hundred bucks.  First of all, he never gave me back my money.  

付不起房租，我就借給他幾百塊錢。 首先，他一直沒有把錢還給我。

Secondly, every time I would meet him, he  would act as if he doesn't owe me anything. 

其次，每次我見到他，他都會表現得好像不欠我什麼似的。

I am not a greedy person,  but if people help you out  

我不是一個貪心的人，但如果人家幫你的話

when you need that help, have the  decency to return that loan back. 

當你需要幫助的時候，要有禮貌地把貸款還回去。


 7. Alcohol 
 

7.酒精

15 bucks here, another 20 or 30 bucks there does  not seem like something you should be worried  

這裡15塊錢，另外20或30塊錢那裡似乎並不像你應該擔心的事情。

about. You are having fun with friends,  that's what you should care about, right? 

關於。你和朋友們玩得很開心，這才是你應該關心的，對吧？

 But have you ever stopped to add up  what you spend on drinking in a week?  

但是，你有沒有停下腳步，把自己一週的飲酒花費加起來？

A month? A year? How about in 10 years? Have you ever done the math? Probably not,  

一個月？一年？10年後呢？你算過嗎？可能沒有

but if you think about it, it already seems like  a huge amount. According to the Bureau of Labor  

但如果你仔細想想，這似乎已經是一個巨大的數字。根據勞工局的數據

Statistics, Americans spend about 1 percent of  their gross annual income on alcohol. For the  

據統計，美國人每年花在酒上的錢約佔總收入的1%。對於

average household, that's $565 a year, $5,650  in 10 years, or $22,600 over a 40-year period. 

一般家庭，每年565元，10年後為5650元，40年後為22600元。

At first, glance that might seem  like a lot of money to many of you  

乍一看，這對你們很多人來說可能是一筆很大的錢。

but you have to note that, $565 per year  

但你必須注意到，每年565美元。

breaks down to about $11 a week which might  be the cost of a single drink in many cities. 

折算下來，一週大約11美元，這可能是許多城市的單次飲料費用。

So it's not fair to compare to the average because  regular drinkers usually spend far more than  

所以和平均水平相比是不公平的，因為經常喝酒的人通常會花費比

565 dollars a year. Some even go as  far as spending above 10 percent of  

一年565美元。有的人甚至不惜花費10％以上的。

their income on alcohol and then complain  that they are living paycheck to paycheck. 

他們的收入在酒精，然後抱怨他們的生活薪水支票。

I personally don't drink because I don't see  any value in that, I don't see how that possibly  

我個人不喝酒，因為我不認為有什麼價值，我不認為這怎麼可能是

could make my life any better, especially since  I work every single day, so I can't risk drinking  

可以讓我的生活變得更好，尤其是我每天都在工作，所以我不能冒著喝酒的風險。

because it's not just about that night, but you  will need some time to get back to your routine. 

因為這不僅僅是那晚的事，你還需要一些時間來恢復你的生活規律。


 Base on what I have realized,  

根據我所意識到的。

these are the seven things that most people  waste money on. if you could just change your  

這就是大多數人浪費錢的七件事。

habits a little bit. If you could pay a little  more attention to how you spend your money.  

習慣一點點。如果你能多注意一下自己的花錢方式。

Instead of randomly buying stuff you want, if you  just wait for that discount or don't buy a car if  

而不是隨便買自己想要的東西，如果只等那個折扣或者不買車，如果

you don't need it, if you make your coffee at home  or stop eating unhealthy sweets. Just imagine for  

你不需要它，如果你在家煮咖啡或停止吃不健康的甜食。試想一下，如果你在家裡煮咖啡，或者不再吃不健康的甜食，你就不需要它。

a moment how much you can save in a single month. Suddenly you will have all the money that you need  

一下子你就能在一個月內存下多少錢。突然間，你就會擁有所有你需要的錢。

to invest. That you can put into the stock market  or save for a downpayment and take a mortgage.  

投資。你可以把股票市場或保存的首付款，並採取抵押貸款。

It could be whatever, but it's certainly going to  be better than blowing it up in a single night at  

可能是什麼都可以，但肯定會比在一個晚上炸掉它好

a bar just to have some fun. 
 

吧，只是為了找點樂子。

By the way, we have a second channel where  we post short clips from the main channel.  

順便說一下，我們有第二個頻道，我們在那裡發佈主頻道的短片。

I will appreciate it if you head  in and subscribe to that channel.

我將感激它，如果你的頭，並訂閱該頻道。

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。