This is when you are introduced to the real world after being a terrible teenager for

這時，你在成為一個糟糕的青少年之後，被引入到現實世界。

years.

年。

In the next few years, you are going to figure out what you are going to do with the rest

在接下來的幾年裡，你要弄清楚你要用剩下的錢做什麼。

of your life.

你的生活。

Most people end up ruining their 20s by making horrible financial decisions that will bear

大多數人最終會因為做出可怕的財務決定而毀掉他們的20歲，而這些決定將承擔

on their shoulders for many decades to come, such as student debt, although most people

在未來的幾十年裡，他們的肩上都會揹負著諸如學生債務等問題，儘管大多數人

take it when they are still teenagers.

在他們還是青少年的時候就採取這種做法。

Looking back at my life, I knew very little about money because I grew up in a family

回顧我的生活，我對金錢知之甚少，因為我是在一個家庭中長大的。

where my parents didn't care about financial literacy, so I grew knowing very little about

我的父母並不關心金融知識，所以我在成長過程中對金融知識知之甚少。

money.

錢。

All they cared about were my grades at school.

他們所關心的是我在學校的成績。

Guess what happened?

你猜發生了什麼？

I made every financial mistake you can think about?

我犯了你能想到的所有財務錯誤？

I was naive, and I thought that I am know everything there is to know about money.

我很天真，我以為我知道關於錢的一切。

You can't blame me because no one taught me anything about money, I had to figure everything

你不能責怪我，因為沒有人教我關於金錢的任何東西，我必須自己想辦法。

on my own.

在我自己身上。

There wasn't even such a channel like proactive thinker that would teach me everything I need

甚至沒有像主動思考者這樣的管道，可以教我所需要的一切

to know about money.

要了解金錢。

I was on my own, but if I would go back in time, there are a few things I wish I knew.

我是靠自己，但如果我想回到過去，有幾件事我希望我知道。

If I knew these things, I would take different financial decisions, and I guess I would have

如果我知道這些事情，我將採取不同的財務決定，我想我將有

become financially free much sooner.

更快地實現財務自由。

So if you are in your 20s or even a teenager, I think what I am about to share with you

是以，如果你是20多歲，甚至是青少年，我想我要和你分享的是

is going to be extremely helpful because it's not like when you hit a certain age, you suddenly

這將是非常有幫助的，因為它不像當你到了某個年齡，你突然

get better at managing money. 

更好地管理金錢。

Aren't there 40 or 50-year-olds who are still doing terrible financially?

不是有40或50歲的人在經濟上仍然做得很糟糕嗎？

that's why pay attention because what you are about to learn might be the most important

這就是為什麼要注意，因為你將要學習的東西可能是最重要的。

thing you will ever learn.

你將會學到的東西。

so give this video a thumbs up, and let's get right into it

是以，請為這段視頻豎起大拇指，並讓我們直接進入正題。


 Don't try to do everything on your own 

不要試圖自己做所有事情

Back then, I use to think that I can do everything on my own.

那時，我常想，我可以靠自己的力量做一切事情。

Why do I need a partner when I can outwork everyone?

既然我可以勝過所有人，為什麼還需要一個夥伴呢？

But the reality is, having a partner in any project is going to save a lot of time and

但現實是，在任何項目中擁有一個合作伙伴，將節省大量的時間和精力。

mistakes because you always need a co-funder to balance you out.

錯誤，因為你總是需要一個共同出資人來平衡你。

It doesn't matter whether it is a startup, a small business, a YouTube channel.

無論是初創企業、小企業，還是YouTube頻道，這都不重要。

If you can get a partner who is equally interested in that project, work together! 

如果你能找到一個對該項目同樣感興趣的夥伴，那就一起合作吧!

Yes, of course, you will have to share the profits or the business, but it's better to

是的，當然，你將不得不分享利潤或業務，但最好是

share a huge pie rather than having a small little pie by yourself. 

分享一個巨大的餡餅，而不是一個人吃一個小的小餡餅。

No matter how smart or talented you are, you are not perfect, especially in your 20s.

無論你多麼聰明或有才華，你都不是完美的，特別是在你20多歲的時候。

You are guaranteed to make a lot of mistakes, so you always need someone besides you to

你保證會犯很多錯誤，所以你總是需要除了你之外的人去

tell you that you are wrong, and vice versa, of course.

告訴你，你是錯的，當然，反之亦然。

Every project that I have started with a co-founder has always grown much faster than any project

我與聯合創始人一起開始的每一個項目，總是比任何項目的增長速度快得多。

that I did on my own.

這是我自己做的。

So don't be selfish and learn how to work with teams.

所以不要自私，要學會如何與團隊合作。

Remember, you are still a kid, and your knowledge is very limited, so always be open to take

記住，你仍然是個孩子，你的知識非常有限，所以要始終保持開放的態度，以採取

a look at the opposite side.

看看對面的情況。

Of course, you could be right, but you also could be wrong, and being open-minded is going

當然，你可能是對的，但你也可能是錯的，心胸開闊就是要

to save you a lot of money and time.

以節省你的大量金錢和時間。


 2.

2.

DON'T BE NAIVE 


不要太天真

If there is one thing I would tell my younger self is - don't be naive.

如果有一件事我想告訴我年輕的自己，那就是--不要天真。

When you are a 20-year-old college kid, you think that you have figured everything out.

當你是一個20歲的大學生，你認為你已經想通了一切。

You make all these plans only to grow a little up and realize how naive you were and that

你制定了所有這些計劃，但當你長大一點，意識到你是多麼的天真和

the world works in a completely different way.

世界以一種完全不同的方式運作。

Or just because you work hard, you think you deserve more, but when you grow up, you realize

或者只是因為你努力工作，你認為你應該得到更多，但當你長大後，你發現

that no one cares about how hard you work.

沒有人關心你的工作有多努力。

What matters at the end of the day is the final outcome. 

最後重要的是最後的結果。

No one really cares about your grades.

沒有人真正關心你的成績。

Once you are out there in the workplace, what matters how much you can help the company

一旦你在外面的工作場所，重要的是你能給公司帶來多大的幫助

grow, your grades are the least important thing.

增長，你的成績是最不重要的事情。

I remember how my friends use to take loans just to buy a cool car because that will get

我記得我的朋友們是如何通過貸款來購買一輛很酷的汽車的，因為那會讓他們的生活變得更美好。

them the girls. 

他們是女孩。

I am not sure how naive you have to be to think like that. 

我不知道你要多天真才會有這樣的想法。

Maybe there is a small number of girls who would hang out with you just because you a

也許有一小部分女孩會和你一起玩，只是因為你是一個人。

cool car, even if you shouldn't hang out with such girls because all they want at the end

酷車，即使你不應該和這樣的女孩混在一起，因為她們最後想要的只是

of the day is to drain the last dollar out of you. 

這一天是為了從你身上榨取最後一美元。

All these naive perceptions push you to take horrible financial decisions and unnecessary

所有這些天真的看法促使你做出可怕的財務決定和不必要的

financial responsibilities, which brings me to point number 3.

財務責任，這使我想到第3點。


 3.

3.

Don't take a financial responsibility you can't afford

不要承擔你無法承擔的財務責任

I have many friends who fell in love in their 20s, got married, and already have kids that

我有很多朋友在20多歲時就戀愛了，結婚了，並且已經有了孩子。

go to school.

上學。

Whenever I talk to them, I really feel old because I don't have kids, neither am I married.

每當我和他們交談時，我真的覺得自己老了，因為我沒有孩子，也沒有結婚。

 But the problem was that they were not ready for that financially, so right now, they can't

但問題是，他們在財務上還沒有準備好，所以現在，他們不能

save money even though they are no longer in their 20s, but because they have kids and

即使他們不再是20多歲，但由於他們有了孩子，也會省錢。

a family to support, every penny they earn goes directly To their day-to-day expenses,

他們要養家餬口，賺的每一分錢都直接用於他們的日常開支。

and they can't suddenly get rid of their kids and wives. 

而且他們不能突然擺脫他們的孩子和妻子。


 And because they have so many responsibilities,

而且因為他們有這麼多的責任。

the idea of losing that job freaks them out because they might be able to cut some of

失去這份工作的想法讓他們感到害怕，因為他們可能會削減一些

their expenses, but they can't sacrifice their families for that, so they stick to that job

他們的開支，但他們不能為此犧牲自己的家庭，所以他們堅持這個工作。

with their lives and are ready to do everything to keep it.

與他們的生活，並準備做一切事情來保持它。

They literally pushed themselves into a corner, and now they will probably never leave it

他們實際上是把自己推到了一個角落裡，現在他們可能永遠不會離開這個角落了。

for the rest of their lives.

為他們的餘生。

They are forever trapped in that paycheck to paycheck lifestyle.

他們永遠被困在那種拿工資的生活方式中。

When you have a job, your career moves slowly.

當你有一份工作時，你的事業發展緩慢。

You don't get promoted every day.

你不可能每天都得到晉升。

You don't even get promoted every year, so whenever you get that little promotion, you

你甚至不是每年都能得到晉升，所以每當你得到那個小小的晉升時，你

slightly improve the quality of your life, which means you start spending more.

稍微提高你的生活品質，這意味著你開始花費更多。

And if god forbid you overuse that credit card, you will spend your entire life just

如果上帝不允許你過度使用那張信用卡，你將會花上你的整個生命。

trying to pay your bills.

試圖支付你的賬單。

So think twice before you commit to any serious financial responsibility.

是以，在你承諾承擔任何嚴重的財務責任之前，請三思。


 4.

4.

stay away from money wasters
 One of the worst things you can ever do is

遠離浪費金錢的人 你能做的最糟糕的事情之一就是

develop a bad and expensive habit, especially when you are a 20-year-old kid who isn't making

養成一個壞的和昂貴的習慣，特別是當你是一個20歲的孩子，沒有賺到錢的時候。

a lot of money.

一大筆錢。

First of all, all the extra money you suppose to save and invest, you are going to waste

首先，所有你認為可以保存和投資的額外資金，你都將被浪費掉。

on another pack of cigars, alcohol or gambling, or whatever is your bad expensive habit is.

在另一包雪茄、酒精或賭博，或任何你的昂貴壞習慣上。

Number two, the opportunity cost of that habit is far bigger than you can possibly imagine. 

第二，這種習慣的機會成本遠比你想象的要大。

An opportunity cost simply means how much that money would worth if you have invested

機會成本只是意味著如果你投資，這些錢會值多少錢？

it otherwise.

否則，它就會被淘汰。

A pack of cigarettes costs around 7 bucks and lets you are a regular smoker, and you

一包煙的價格約為7美元，如果你是一個經常吸菸的人，你

smoke a pack a day.

每天抽一包煙。

That's 210 dollars a month.

那就是每月210美元。

Let's say you start smoking when you turn 18,

比方說，你在18歲時開始吸菸。

If you instead invest that money in the sp500, for example, assuming you will make a 10 percent

例如，如果你將這筆錢投資於sp500，假設你將賺取10%的收益

rate of return, your portfolio will turn into 1.2 million dollars by the time you hit 58.

的回報率，你的投資組合在你58歲時將變成120萬美元。

The question is, what's better?

問題是，什麼是更好的？

Damaged lungs that you have to spend a fortune to recover when you are in your late 50s.

損壞的肺部，當你50多歲的時候還得花一大筆錢來恢復。

In fact, you will never probably entirely recover them no matter how much you spend

事實上，無論你花多少錢，你都不可能完全恢復它們。

or 1.2 million dollars of assets?

或120萬美元的資產？

I think the latter is a far better option!

我認為後者是一個好得多的選擇。

Of course, if you are a billionaire, you shouldn't care, but you also shouldn't even watch this

當然，如果你是一個億萬富翁，你不應該關心，但你也不應該看這個。

video.

視頻。


 5.

5.

You do not need a lot of money to have fun.

你不需要很多錢來獲得樂趣。


 We always think that we need to spend money

我們總是認為我們需要花錢

to have fun.

來獲得樂趣。

While there is some truth to it, but that's not the entire story.

雖然有一些事實，但這並不是故事的全部。

Renting a yacht with friends, throwing a huge party or traveling the world while staying

與朋友們一起租一艘遊艇，舉辦一個巨大的派對，或在逗留期間環遊世界。

in expensive hotels is fun, but there are also plenty of ways to have fun without wasting

在昂貴的酒店是有趣的，但也有很多方法可以在不浪費的情況下獲得樂趣。

a fortune, like going for a drink with friends, traveling the world, and staying in cheap

財富，比如和朋友一起去喝酒，環遊世界，住在便宜的地方。

Airbnb flats, or playing basketball or soccer with friends.

Airbnb公寓，或與朋友打籃球或踢足球。

It could be whatever.

它可以是任何東西。

Some of the best ways I have ever had fun were the times I spent the least amount of

我有過的一些最好的方式是我花最少的時間來獲得樂趣。

money. 

錢。

In fact it's not about the money, but rather about the experience you get, how you feel

事實上，這不是錢的問題，而是你得到的經驗，你的感覺。

when doing what you are doing.

當做你正在做的事情。

Especially if you have really good friends, then you can have all the fun in the world

特別是如果你有真正的好朋友，那麼你可以擁有世界上所有的樂趣。

and barely waste any money.

而且幾乎沒有浪費任何金錢。

Remember the opportunity cost we have talked about?

還記得我們談過的機會成本嗎？

Even if you can afford to spend a lot of money to have fun, don't!

即使你有能力花很多錢去玩，也不要!

You should rather Invest that money!

你應該把這些錢用於投資!

Remember that as you get older, your expenses will rise!

請記住，隨著你年齡的增長，你的開支也會增加。

So having more money later in your life is a wiser option!

是以，在人生的後期擁有更多的錢是一個更明智的選擇!

I don't mean that you shouldn't spend anything, there is no point in just keeping money in

我的意思不是說你不應該花任何東西，沒有必要只把錢放在那裡。

your bank account, but you also have to be responsible for what you have.

你的銀行賬戶，但你也必須對你擁有的東西負責。

There are more points I wanted to include in this video, but I will limit them to 5

我想在這個視頻中包括更多的觀點，但我將把它們限制在5個方面

points.

點。

If Guys find this video interesting and helpful, I will definitely make part 2.

如果大家覺得這個視頻很有趣，很有幫助，我一定會做第二部分。


 Anyways, If you have enjoyed this video, you

總之，如果你喜歡這個視頻，你可以

will most definitely enjoy this custom playlist that I have created specifically for you that

你一定會喜歡我專門為你創建的這個定製播放列表。

has our most popular videos on business, investing, and the stock market that can potentially

有我們最受歡迎的商業、投資和股票市場的視頻，有可能是

change your life.

改變你的生活。

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

現在給這個視頻豎起應有的大拇指，並確保訂閱，如果

you haven't done that yet.

你還沒有做到這一點。

Thanks for watching and until next. 


謝謝你的觀看，直到下一次。