the World's Population.

世界的人口。

Imagine 8 people having more wealth than almost 4 billion people.

想象一下，8個人擁有的財富比近40億人還要多。

That's a whole different level of inequality.

這是一個完全不同層次的不平等。

And this year, that inequality got worse.

而在今年，這種不平等現象變得更加嚴重。

The number of billionaires on Forbes' 35th annual list of the world's wealthiest exploded

在《福布斯》第35屆年度世界富豪榜上，億萬富翁的數量爆炸性增長

to 2,755—660 more than a year ago.

至2755-660比一年前多。

Altogether they are worth $13.1 trillion, up from $8 trillion on the 2020 list.

它們的總價值為13.1萬億美元，比2020年名單上的8萬億美元有所增加。

2755 people have an equal wealth as the entire GDP of China, the most populated country in

2755人的財富相當於中國的整個GDP，中國是世界上人口最多的國家。

the world and the world's second l argest economy.

排名世界第一，是世界上第二大經濟體。

Most of the wealth is now tight in the hands of a few people.

現在大部分的財富都緊緊掌握在少數人手中。

And that's not by accident.

而這並不是偶然的。

Most people are not financially literate since that's not something we are taught at school

大多數人不具備財務知識，因為這不是我們在學校裡學到的東西。

or by our parents.

或由我們的父母。

We are just expected to be good with money, just like that.

我們只是被期望善於用錢，就像這樣。

I know that it sounds silly, but that's why most of us are doing so terrible financially.

我知道這聽起來很傻，但這就是為什麼我們大多數人的財務狀況如此糟糕。

That's why most of the wealth is tight up in the hands of a few individuals.

這就是為什麼大部分的財富都緊緊地掌握在少數人的手中。

So here in this video, we are going to do something to fix that.

是以，在這個視頻中，我們將做一些事情來解決這個問題。

We are going to look at money lessons that people learn too late in life.

我們要看一下人們在生活中學得太晚的金錢教訓。

We are not talking about basic concepts such as inflation or compound interest.

我們不是在談論通貨膨脹或複利等基本概念。

We will dig much deeper and find out the lessons that if you learn earlier in life, you are

我們將更深入地挖掘和發現，如果你在生活中更早地學習，你的教訓是

probably going to be on the right side of the world, on the wealthier side.

可能會在世界的右邊，在更富裕的一邊。

So if you are ready, give this video a thumbs up and make sure to checkout our secondly

是以，如果你準備好了，請為這段視頻豎起大拇指，並確保查看我們的第二部分。

channel called - bloom where we also post videos about investing and money but also

頻道，名為--綻放，我們也在這裡發佈關於投資和金錢的視頻，但也有

about other things that you will find interesting.

關於其他的事情，你會發現很有趣。

If you enjoy this channel, you will definitely find our second channel interesting.

如果你喜歡這個頻道，你一定會發現我們的第二個頻道很有趣。

So go ahead and subscribe! and now let's get back to the video.

是以，請繼續訂閱！現在讓我們回到視頻中來。

1.

1.

Be an outlier  When I got into investing for the first time,

成為一個異類 當我第一次進入投資領域時。

I started with trading.

我是從交易開始的。

I would use all my knowledge to analyze a certain company, and I remember I invested

我會用我所有的知識來分析某家公司，我記得我投資了

300 dollars into that company - All the money that I barely saved in the last few months.

300美元進入那家公司--所有的錢都是我在過去幾個月裡勉強攢下來的。

Imagine how nervous I was.

想象一下，我當時有多緊張。

Right after I purchased the stock, the price started falling.

就在我購買股票後，價格開始下跌。

And I got even more nervous.

我就更緊張了。

I was looking at the screen and counting every dollar that I was losing, but I decided to

我看著螢幕，計算著我失去的每一塊錢，但我決定

hold, at least for another day.

保持，至少再過一天。

The next day the price fell by 20 percent.

第二天，價格下跌了20%。

So I got out and made a loss. 

所以我出局了，賺了一筆錢。

I lost pennies but back then, even 50 dollars was a lot of money to me.

我輸了幾分錢，但在當時，即使是50美元對我來說也是一筆不小的數目。

But I decided not to give up and gave it another shot!

但我決定不放棄，再試一試！"。

Unfortunately, I lost again. 

不幸的是，我又輸了。

That's when I thought that investing isn't for me.

那時候我就想，投資並不適合我。

And that's what happens to a lot of people, including myself.

而這就是發生在很多人身上的事情，包括我自己。

You try something once and compare yourself to others who are much more successful in

你嘗試過一次，然後把自己和其他更成功的人進行比較

this, and you say - maybe this is just not for me!

而你卻說--也許這不適合我!

Maybe I should try something else.

也許我應該嘗試別的東西。

But the reality is you can literally be good at anything as long as you practice it enough.

但現實是，只要你練習得夠多，你簡直可以成為任何事情的高手。

In fact, that's how the idea of the 10K hour rule has emerged.

事實上，這就是 "10K小時規則 "的想法出現的原因。

If you put 10K hours into anything, you are guaranteed to be good at that.

如果你在任何事情上投入1萬個小時，你就能保證在這方面做得很好。

And I can say that from my experience because, after many years of investing and learning,

我可以說這是我的經驗之談，因為，經過多年的投資和學習。

I began to understand the market and making much better investing decisions.

我開始瞭解市場並做出更好的投資決定。

And that's what people don't realize early in life.

而這正是人們在生命早期沒有意識到的。

They jump from one thing to another, thinking that's not for them.

他們從一件事跳到另一件事，認為那不適合他們。

They are not good enough and perform poorly finically when in reality all they had to

他們不夠好，在財務上表現不佳，而實際上他們所要做的是

do is stick to one thing long enough to become finically successful.

做的是堅持一件事足夠長的時間，以獲得財務上的成功。

2.

2.

Wealth can be created out of nowhere  When you grow up in a poor family, you live

財富可以無中生有 當你在一個貧窮的家庭長大，你的生活

in a world of scarcity and limitations.

在一個稀缺性和侷限性的世界裡。

There is only so much of everything, including wealth.

任何東西都只有這麼多，包括財富。

If I am going to be rich, then someone else should be poor.

如果我將成為富人，那麼其他人就應該成為窮人。

We are poor because other people have more than they should have.

我們之所以貧窮，是因為其他人擁有比他們應該擁有的更多。

And that mindset literally pushes you to fight for what is already there instead of creating

而這種心態實際上促使你為已經存在的東西而奮鬥，而不是創造。

what isn't there.

不存在的東西。

Most of the world's richest people became so wealthy by not competing in the same traditional

世界上大多數最富有的人都是通過不在相同的傳統競爭中變得如此富有的

industries but went on to create new industries that weren't there in the first place.

但卻繼續創造了原本不存在的新產業。

Elon Musk is probably the best example who literally invented an entirely new industry

埃隆-馬斯克可能是最好的例子，他簡直是發明了一個全新的行業。

called -aerospace or electric cars.

稱為航空航天或電動汽車。

In fact, all of the companies he started - PayPal, the BORING company, SpaceX, Tesla, Neurolink

事實上，他創辦的所有公司--貝寶（PayPal）、BORING公司、SpaceX、Tesla、Neurolink

are about creating something new, solving a problem that isn't solved yet.

是關於創造新的東西，解決一個尚未解決的問題。

That why his net worth is 150 billion dollars. 

這就是為什麼他的淨資產是1500億美元。

It's not just about him.

這不僅僅是關於他。

Every successful business is about innovating something new, from Uber to Airbnb.

每個成功的企業都是在創新一些新的東西，從Uber到Airbnb。

Even smaller companies like Robinhood or even Angry Birds.

即使是像Robinhood甚至是憤怒的小鳥這樣的小公司。

They added value to the world in different ways.

他們以不同的方式為世界增加價值。

They didn't take anything from anyone.

他們沒有拿任何人的東西。

They just made the world a better place and got rewarded for that.

他們只是讓世界變得更美好，並是以得到了獎勵。

So stop thinking that you are poor because someone else is rich and start thinking about

是以，不要再認為你是窮人，因為別人是富人，而開始思考

how you can add value to the world.

你如何能夠為世界增加價值。

3.

3.

the paradox of choice If you are like me, then you hate going to

選擇的悖論 如果你像我一樣，那麼你討厭去

restaurants.

餐館。

Because every time I go to a restaurant, I would take a look at the menu, and I would

因為每次我去餐館，我都會看一眼菜單，然後我會

get frustrated by the number of choices they have.

他們會因為選擇的數量而感到沮喪。

I would end up spending more time choosing what to order instead of actually eating.

我最終會花更多的時間來選擇點什麼，而不是真正的吃。

I have already spent the entire day making decisions, and I came to a restaurant to enjoy

我已經花了一整天的時間來做決定，而我來到一家餐廳享受

and not paralyze my brain again.

而不是再次癱瘓我的大腦。

And that's known as the paradox of choice.

而這被稱為選擇的悖論。

Having a lot of choices might seem great, but it has its disadvantages.

有很多選擇可能看起來很好，但它有其缺點。

In fact, it's actually one of the main reasons why a lot of people can't excel at what they

事實上，這實際上是很多人無法在他們的工作中表現出色的主要原因之一。

do and achieve some level of financial success.

做並取得一定程度的財務成功。

Take an example of investing.

以投資為例。

The market is filled with opportunities from tech stocks to biotech companies to crypto's

從科技股到生物技術公司再到加密貨幣，市場充滿了機會

to other financial instruments, but because they are so many of them.

與其他金融工具相比，而是因為它們的數量太多。

You can't choose to stick to just one of them.

你不能選擇只堅持其中一個。

As soon as you get deeper into one of them, another one hits the news and before you even

當你深入瞭解其中一個問題時，另一個問題就會出現在新聞中，而在你甚至

understand what's going on there, crypto's are all over the news.

瞭解那裡發生了什麼，加密貨幣的新聞到處都是。

So you end up just following the news without actually taking action on any of them.

是以，你最終只是關注新聞，而沒有真正對任何新聞採取行動。

A lot of people criticize Warren Buffett for not investing in tech companies early on or

很多人責備沃倫-巴菲特沒有在早期投資科技公司或

avoiding bitcoin, saying that he is an old man who is not catching up with the world. 

迴避比特幣，說他是一個沒有趕上世界的老人。

But that's not the case, he knows that there are so many opportunities, but he also understands

但事實並非如此，他知道有這麼多的機會，但他也明白

the paradox of choices.

選擇的悖論。

The sheer amount of choices will get him to nowhere, so he is just focused on one sector,

大量的選擇會讓他無處可去，所以他只是專注於一個部門。

on a sector that he excels.

在一個他擅長的部門。

That's why his net worth is over 100 billion dollars, while those who criticize him don't

這就是為什麼他的淨資產超過1000億美元，而那些責備他的人卻沒有

have 1 percent of his net worth.

有他1%的淨資產。

Eliminate your choices as much as you can, especially when it comes to your personal

儘可能消除你的選擇，特別是當涉及到你個人的時候。

life.

生活。

I know people who would wake up and spend 20 minutes thinking about what to have on

我知道有些人一覺醒來就會花20分鐘考慮要穿什麼衣服。

breakfast and then another 20 minutes to chose what to watch on YouTube while having breakfast.

早餐，然後再花20分鐘選擇在YouTube上看什麼，同時吃早餐。

I don't want to waste so much time and willpower on stuff that doesn't matter.

我不想在不重要的東西上浪費這麼多時間和意志力。

So I have the same breakfast every morning, and I chose from 3 sets of clothes, and I

是以，我每天早上都吃同樣的早餐，我從3套衣服中選擇，並且我

spend my time doing stuff that actually matters and makes me happier.

把我的時間花在真正重要的、使我更快樂的事情上。

4.

4.

Everyone is afraid

每個人都在害怕

A lot of people tell me your videos are awesome!

很多人告訴我，你的視頻非常棒！你是怎麼做到的？

You are so good!

你太厲害了!

I wish I could be making videos like you! 

我希望我可以像你一樣製作視頻!

Only if I was as good as you, I would start a channel as well if I wasn't afraid!

只有當我像你一樣好的時候，如果我不害怕，我也會開一個頻道!

Do you really think that I was this good when I started?!

你真的認為我一開始就有這麼好嗎？

Of course not!

當然不是!

In fact, I was afraid to be judged.

事實上，我很害怕被評判。

Just go back and watch my first videos, the animations on my videos were absolutely horrible,

只要回頭看一下我的第一批視頻，我的視頻的動畫絕對是可怕的。

and my language was terrible.

而且我的語言很糟糕。

Putting out content where you could be judged by the entire world is something normal to

把你的內容放在可能被整個世界評判的地方是很正常的事情。

be afraid of.

害怕。

But that's the difference.

但這就是區別。

We are all talented and full of great ideas.

我們都很有才華，充滿了偉大的想法。

The difference is that some of us acknowledge that fear and do it despite the fact we are

不同的是，我們中的一些人承認這種恐懼，並且不顧我們的事實而去做。

afraid, and others assume that you should not do it if you are afraid.

害怕，而其他人則認為，如果你害怕就不應該做。

The most important lesson I have ever learned is - do whatever you are afraid of!

我所學到的最重要的一課是--做你所害怕的事。

Once you do a few times, that fear either will be gone, or you will learn how to manage

一旦你做了幾次，這種恐懼就會消失，或者你會學會如何管理。

it.

它。

Once you learn how to fight your fears, you will start that business, you will start investing,

一旦你學會了如何與你的恐懼作鬥爭，你就會開始那個生意，你就會開始投資。

you will start growing, and you will never be in a desperate financial position.

你將開始成長，而且你將永遠不會處於絕望的財務狀況。

5.

5.

Don't work hard for money If you're like most people, you grew up being

不要為錢而努力工作 如果你像大多數人一樣，你在成長過程中被

programmed that you "have to work hard for money."

程式化地認為你 "必須為錢而努力工作"。

but working hard alone will never make you rich.

但僅靠努力工作永遠不會使你致富。

How do we know that?

我們怎麼知道呢？

Take a look in the real world.

在現實世界中看一看。

There are millions—no, make that billions—of people who slave away, working their tails

有數以百萬計的人，不，是數以億計的人在辛勤勞作，努力工作。

off all day and even all night long.

整天甚至整夜都在關閉。

Are they all rich?

他們都很有錢嗎？

No!

不!

Are most of them rich?

他們中的大多數人富有嗎？

No!

不!

Are a lot of them rich?

他們中的很多人都很有錢嗎？

No!

不!

Most of them are broke or close to it.

他們中的大多數人已經破產或接近破產。

On the other hand, whom do you see lounging around the country clubs of the world?

另一方面，你看到誰在世界的鄉村俱樂部裡閒逛？

Who spends their afternoons playing golf, tennis, or sailing?

誰會把下午的時間花在打高爾夫、網球或航海上？

Who spends their days shopping and their weeks vacationing? 

誰會把白天的時間花在購物上，把一週的時間花在度假上？

Rich people!

有錢人!

People who don't work hard but let their money work hard for them!

那些不努力工作卻讓他們的錢為他們努力工作的人!

That's how you become financially independent.

這就是你成為經濟獨立的方式。

Yes, you do have to work hard for your money.

是的，你確實要為你的錢努力工作。

For some people,, this is a temporary situation.

對一些人來說，這只是暫時的情況。

But For most people, it's permanent.

但對大多數人來說，這是永久性的。

So the goal should always be in your mind that you are going to make and save enough

是以，你的腦海中應該始終有一個目標，那就是你要賺取並保存足夠的錢。

money that will keep earning you money while you are playing golf.

在你打高爾夫的時候，會不斷為你賺錢。

If you have enjoyed this video you will definitely enjoy this custom playlist I have created

如果你喜歡這個視頻，你一定會喜歡我創建的這個自定義播放列表。

specifically for you that could potentially change your life.

專門為你準備的，有可能改變你的生活。

And now it's time to give this video a thumbs up that it deserves and make sure to subscribe

現在是時候給這個視頻豎起它應得的大拇指，並確保訂閱。

and turn on your notifications.

並打開你的通知。

Thanks for watching and I'll see you in the next one.

感謝您的觀看，我們將在下一集見。