Name: 25歲就破產了？- 迫使你擺脫貧困的5個步驟 (Broke at 25? - 5 Steps To Force Your Way Out of Poverty)
Uploaded: 2021-05-04T18:20:52.000Z
Duration: 10 min 3 s

to 不定詞

63 percent of Americans have been living paycheck to paycheck since the Covid pandemic started.

自科威德大流行開始以來，63%的美國人一直在靠工資生活。

過去簡單式

The ratio wasn't that different before the pandemic, where over 60 percent of Americans

在大流行之前，這個比例並沒有什麼不同，超過60%的美國人

did not have an extra thousand dollars in case of an emergency.

沒有多餘的一千美元以備不時之需。

And that's not because people don't want to save but rather because they are in that desperate

而這並不是因為人們不想儲蓄，而是因為他們處於那種絕望的狀態。

financial situation where they have no other option, especially the young people.

他們沒有其他選擇的財務狀況，特別是年輕人。

You get out of college, and you already have a huge burden on your shoulders (student debt)

你從大學畢業後，你的肩上已經有了一個巨大的負擔（學生債務）。

that will most likely keep you in that poor financial position, no matter how hard you

這很可能會使你處於貧窮的財務狀況，無論你如何努力

A student debt, some credit card debts, maybe a car loan if you purchased a car while you

學生債務，一些信用卡債務，也許是汽車貸款，如果你購買了一輛汽車，而你卻沒有購買。

The question is, how are you suppose to build wealth when every passing day that you are

問題是，當你每過一天，你就會發現你是如何創造財富的？

not paying your debts, your debts are growing.

不支付你的債務，你的債務就會增加。

And if 2020 taught us something, nothing is guaranteed.

如果說2020年教會了我們什麼，那麼沒有什麼是可以保證的。

You can graduate with a 200K dollar degree and yet you won't find a job because the world

你可以在畢業時獲得20萬美元的學位，但你卻找不到工作，因為這個世界

Even if you work hard enough to pay all of your debts, you are probably going to have

即使你足夠努力工作來償還所有的債務，你也可能會有

a family and kids and a mortgage by then, which means more financial responsibilities

到那時，有了家庭和孩子，有了抵押貸款，這意味著更多的財務責任

It seems like the system is designed in such a way to lock you in that position where you

似乎該系統的設計方式是將你鎖定在那個位置上，你

have no other choice but to keep working your entire life.

沒有其他選擇，只能繼續工作一輩子。

你看，當你還是個孩子的時候。

You are not much worried about that because you have to go to school, then to college,

你並不怎麼擔心，因為你必須去上學，然後去上大學。

and you imagine that once you graduate, everything will be sorted out. 

而你想象一旦你畢業，一切都會得到解決。

You will find a good job, and that will be the end of your financial miseries; however,

你會找到一份好的工作，這將是你財務困境的結束；然而。

once you graduate and find yourself in that workplace, you understand that was just wishful

一旦你畢業，發現自己在工作場所，你就會明白這只是你的一廂情願。

That's why here in this video, we will find out how to break that system?

這就是為什麼在這個視頻中，我們將找出如何打破這個系統？

So give this video a thumbs up and lets' get right into it.

是以，請為這段視頻豎起大拇指，讓我們直接進入主題。

  don't let the snowball effect destroy you

This is literally the main reason why a lot of people are struggling financially.

這簡直是很多人在財務上掙扎的主要原因。

And people who understand this concept usually do pretty well financially.

而理解這一概念的人通常在財務上做得很好。

When a snowball starts falling from the hillside.

當一個雪球開始從山坡上落下。

As it rolls, the ball will pick up more snow, gaining more mass and surface area, and picking

隨著它的滾動，球將吸收更多的雪，獲得更多的品質和表面積，並採

up even more snow and momentum as it rolls down.

當它滾落時，會有更多的雪和動力。

When you are a kid, you don't have many expenses, but once you graduate and find a job, your

當你還是個孩子時，你沒有太多的開支，但一旦你畢業並找到工作，你的

You want to move into a slightly better house, get a slightly better car, you start eating

你想搬進一個稍微好一點的房子，買一輛稍微好一點的車，你開始吃

As long as you can afford that, that's not a big deal!

只要你能負擔得起，那就不是什麼大問題!

However, what happens usually is that your income doesn't always rise as much as your

然而，通常發生的情況是，你的收入並不總是與你的收入增長一樣多。

expenses, so you are forced to get a credit card debt, which is not a big deal, but then

支出，所以你被迫得到一個信用卡債務，這不是什麼大問題，但隨後

you get into a second debt, then a third and at some point you find yourself in a station

你陷入了第二筆債務，然後是第三筆，在某個時候你發現自己在一個車站裡

where no matter how hard you work, you just can't pay your debts. 

無論你如何努力工作，你就是無法償還你的債務。

While you are paying one of your debts, the second and the third is rising day by day

當你在償還你的一個債務時，第二個和第三個債務正在逐日增加。

since it accumulates interest like a snowball effect.

因為它像雪球效應一樣積累了利息。

Your debt is simply getting bigger and bigger day by day.

你的債務只是一天比一天更多。

So if you are in your 20s, don't get into unnecessary debt, and if you are already in

是以，如果你是在20多歲，不要陷入不必要的債務，如果你已經在

one, getting rid of your debts should be your first priority.

首先，擺脫債務應該是你的首要任務。

This exercise is simple but very effective.

這個練習很簡單，但非常有效。

It is practiced by the legendary warren buffet who built a net worth of around 100 billion

它是由傳奇人物沃倫-巴菲特（Warren buffet）實施的，他建立了約1000億的淨資產。

dollars without inventing anything says a lot about the effectiveness of this rule.

在沒有發明任何東西的情況下就獲得了美元，這說明了這一規則的有效性。

Over his career, he has made consistently great decisions that brought him to where

在他的職業生涯中，他一直做出偉大的決定，使他達到了

Take a piece of paper and write down the 25 most important things you would want to accomplish

拿一張紙，寫下你想完成的25件最重要的事情

It doesn't matter, whether it's career goals, traveling around the world, or learning a

這並不重要，無論是職業目標、環遊世界，還是學習一項

List all the 25 things in order of importance.

按重要性順序列出所有25件事情。

If it's something super important, let be number 1.

如果是超級重要的事情，就讓它成為第一。

If it's the least important, let be somewhere down the list.

如果它是最不重要的，那就讓它排在名單的後面。

And then circle the top five most important things. 

Now the question is, what are you going to do with the remaining 20 things that you did

現在的問題是，你打算如何處理你所做的其餘20件事？

Most people try to balance between all these things, which is one of the main reasons why

大多數人試圖在所有這些事情之間取得平衡，這是一個主要原因。

they can't get out of that desperate financial position.

他們無法擺脫這種令人絕望的財務狀況。

Everything you didn't circle just became your Avoid-At-All-Cost list.

你沒有圈出的所有東西都成為你的 "完全避免 "名單。

No matter what, these things get no attention from you until you've succeeded with your

無論怎樣，這些事情都不會得到你的關注，直到你成功地完成了你的任務。

We live in such an age where we have to make a million decisions a day, our attention has

我們生活在這樣一個時代，每天都要做無數個決定，我們的注意力已經

become the most precious resource, so corporations spend fortunes just to find out how to grab

成為最寶貴的資源，是以企業花費巨資，只是為了找出如何抓住

our attention as much as they can and your job is to stay focused on what's important.

我們的注意力儘可能多，而你的工作是保持專注於重要的事情。

I get it, you want to do all these cool things, such as learning how to play the guitar or

我明白，你想做所有這些很酷的事情，比如學習如何彈吉他或

travel around the world, but if you want to do better financially, you have to focus on

環遊世界，但如果你想在經濟上做得更好，你必須專注於

either mastering one craft or starting your own business.

要麼掌握一門手藝，要麼開始自己的事業。

But you might say, I don't have the time, I have to work to pay all my bills.

但你可能會說，我沒有時間，我必須工作以支付所有賬單。

If you take a look at your expenses, I am pretty confident that half of your expenses

如果你看一下你的開支，我很有信心，你的一半的開支

are wants and not needs which means you can survive if you get rid of them.

是想要的而不是需要的，這意味著如果你擺脫它們，你就能生存下去。

That Netflix subscription, your car loan, unnecessary expensive hang out with friends,

那份Netflix訂閱，你的汽車貸款，不必要的昂貴的與朋友出去玩。

a coffee that you could be making at home but instead, you chose to pay 3 bucks for.

一杯你可以在家裡做的咖啡，但你卻選擇花3塊錢買。

Find out how much you need to survive and only work enough hours just to pay your basic

找出你需要多少錢才能生存，並且只工作足夠的時間來支付你的基本費用。

bills so you will have enough free time that you can spend mastering your craft or building

賬單，所以你將有足夠的空閒時間，可以用來掌握你的手藝或建立

Especially with the rise of the internet, you can start a million other businesses just

特別是隨著互聯網的興起，你可以啟動一百萬個其他業務，只是

by having an internet connection and a computer.

只要有一個互聯網連接和一臺電腦。

The point isn't to live super frugally your entire life.

問題的關鍵不是要你一生都過著超級節儉的生活。

But if you want to get out of that rat race, you have to sacrifice a few years of your

但是，如果你想擺脫這場老鼠賽跑，你就必須犧牲幾年的時間。

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25歲就破產了？- 迫使你擺脫貧困的5個步驟 (Broke at 25? - 5 Steps To Force Your Way Out of Poverty)

entire

pandemic

opportunity

situation