In a single year, 2.2 million people became millionaires, which made the total number

在一年中，有220萬人成為百萬富翁，這使得總人數達到了

of millionaires in the US over 20.27 million.

美國的百萬富翁超過2027萬。

We are all told that becoming a millionaire is more like a dream than reality, but when

我們都被告知，成為百萬富翁更像是一個夢想而不是現實，但當

over 2 million become one in a matter of year, you know that it's a practical goal that anyone

在一年內超過200萬的人成為一個人，你知道這是一個切實可行的目標，任何人都可以做到。

can achieve.

可以實現。

Wherever you are in the world, the internet has made it much easier to build a successful

無論你在世界何處，互聯網都使你更容易建立一個成功的企業。

business that could raise you to millionaire status.

可以將你提高到百萬富翁地位的業務。

It's about putting in the time and effort.

這是關於投入時間和努力的問題。

I am sure that that there are plenty of you who are watching this video are going to join

我相信，有很多人在看這個視頻的時候都會加入

that list since you are interested in investing, business, and growing yourself mentally, spiritually,

既然你對投資、商業和精神上的自我成長感興趣，那就在這個名單上。

and physically.

和身體上。

Just because you are poor today doesn't mean you are going to stay like that forever, you

今天的貧窮並不意味著你會永遠這樣下去，你

don't choose to be born in a poor family, but it depends on you whether you want to

不選擇出生在一個貧窮的家庭，但這取決於你是否願意

stay poor or not.

是否保持貧窮。

Financial independence is not something that happens to you overnight, its a series of

財務獨立不是一夜之間發生在你身上的事情，它是一系列的

good small daily decisions that slowly lead to financial success.

良好的日常小決定，慢慢導致財務成功。

So, how do you know that you are on the right path?

那麼，你怎麼知道你是在正確的道路上呢？

What are the signs you are going to be one of those millionaires in the coming future?

在即將到來的未來，有哪些跡象表明你將成為這些百萬富翁中的一員？

So lets take a look at 5 habits or principles that lead to financial success.

是以，讓我們看一下導致財務成功的5個習慣或原則。

And let me know in the comments below how many of them do you follow.

並在下面的評論中告訴我，你關注了其中的多少人。

Give this video a thumbs a

給這個視頻一個大拇指

up and lets tart with the first one.

了，讓我們和第一個人一起撻伐。

you are playing the game of m oney on offense

你是在玩錢的遊戲，是在進攻。


 If you were to play any game strictly on defence,

如果你要嚴格按照防守來玩任何遊戲。

what are the chances of you winning that game?

你贏得那場比賽的機會有多大？

Extremely low or none, right?

極低或沒有，對嗎？

And yet, most people play the game of money exactly like that.

然而，大多數人都是這樣玩錢的遊戲。

Their goal isn't to be at the top and make millions.

他們的目標並不是站在頂端，賺取數百萬美元。

That seems like an impossible goal for them.

這對他們來說似乎是一個不可能的目標。

They just want to pay all the bills and stay out of debt.

他們只想支付所有賬單，不欠債。

It's not a bad strategy, but the problem with it is that if your goal is to simply to be

這不是一個壞的策略，但問題是，如果你的目標是簡單地要成為

above the water, that's the maximum that you will get.

在水面以上，這是你將得到的最大限度。

Of course, there are exceptions.

當然，也有例外的情況。

Some people save 5 to 10 percent of their income.

有些人將其收入的5%至10%儲蓄起來。

Invest in the stock market and hope that their portfolio grows by 6-7 percent.

投資於股市，希望他們的投資組合能增長6-7%。

So that when they get old, they will have something to rely on. and that's better than

這樣，當他們年老時，他們就會有依靠。 這比

nothing.

沒有什麼。

However, that's still not enough.

然而，這仍然是不夠的。

You can't lock yourself into a comfort zone and expect to get financially independent.

你不能把自己鎖在一個舒適的區域，並期望獲得經濟上的獨立。

If you want to create real wealth, you should stop playing defence and start playing offence.

如果你想創造真正的財富，你應該停止防守，開始進攻。

You should start attacking as aggressively as you can.

你應該儘可能積極地開始進攻。

Of course, not every single of your attacks is going to be successful, but you will increase

當然，不是每一次的攻擊都會成功，但你會提高

your odds of winning by a huge margin.

你的獲勝機率很大。

2.

2.

You think big
 Back in the days when I was a broke college

你想得太遠了 在我還是個沒錢的大學生的時候

student who barely paid his bills.

勉強支付賬單的學生。

I always use to think about how I can minimise my expenses to save more.

我總是習慣於思考如何將我的開支降到最低，以節省更多。

Even if I would save an extra 100 dollars, I would consider that a lot.

即使我可以多節省100美元，我也會認為這是一個很大的數字。

But at some point, I realised that there is only so much I can save.

但在某一時刻，我意識到我能保存的東西是有限的。

There is a limit to how low I can go.

我可以做到的最低限度是有的。

At the end of the day, there are some fixed expenses that I cannot avoid, such as rent.

在一天結束時，有一些固定的開支是我無法避免的，例如租金。

So the question that was in my mind - should I focus on saving some extra pennies or should

是以，在我心中的問題是--我應該專注於節省一些額外的錢，還是應該

I rather focus on earning 10x the amount I do now?

我寧願專注於賺取我現在所做的10倍金額？

That's when I realized that I was on the wrong path all that time.

這時我才意識到，我一直在錯誤的道路上。

There are people who waste hours and hours just to find a bread that's 20 cents cheaper,

有的人為了找到一個便宜20美分的麵包而浪費了好幾個小時。

and then there are people who would rather waste that time maximising their income.

而有些人則寧願把時間浪費在最大化收入上。

The question is - which one are you?

問題是--你是哪一個？


 3. you admire other rich people 

3.你羨慕其他有錢人

I have friends who despise rich people.

我有一些朋友鄙視富人。

Whenever we discuss the big tech, they would say - look at Jeff Bezos, look at how many

每當我們討論大的技術時，他們會說--看看傑夫-貝佐斯，看看有多少個

people are suffering because of him!

人們因他而受苦!

His employees are suffering, and he doesn't care!

他的員工正在受苦，而他卻無動於衷。

He is probably the greediest person in the world.

他可能是世界上最貪婪的人。

Or when we would talk about Tesla or SpaceX, they would say - Musk doesn't care about the

或者當我們談論特斯拉或SpaceX時，他們會說--馬斯克並不關心

environment or the humanity!

環境或人類!

He is a greedy capitalist who only cares about himself and his net worth.

他是一個貪婪的資本家，只關心自己和自己的淨資產。

Let's say hypothetically.

我們假設一下。

They only care about themselves.

他們只關心自己。

The question is - so what!

問題是--那又如何！？

Do you care about humanity more than he does?

你比他更關心人類嗎？

He is at least doing something, even if that's out of self-interest.

他至少在做一些事情，即使那是出於自身利益的考慮。

He is positively impacting the world, he is helping the world to move to sustainable energy,

他正在對世界產生積極的影響，他正在幫助世界向可持續能源發展。

and in return, he is making billions. 

而作為回報，他正在賺取數十億美元。

He (Bezos) transformed the way we shop forever by making it affordable for anyone to order

他（貝索斯）通過使任何人都能負擔得起訂購，永遠改變了我們的購物方式。

stuff online.

網上的東西。

What about you?

你呢？

How are you making the world a better place?

你是如何讓世界變得更美好的？

Sitting at home and watching Netflix and just criticising everyone who solves a problem

坐在家裡看Netflix，只是責備每個解決了問題的人

and becomes a billionaire isn't helping anyone.

併成為億萬富翁，對任何人都沒有幫助。

If you don't want to work at Amazon, you don't have to.

如果你不想在亞馬遜工作，你也不必如此。

If you don't believe in Tesla's mission, you don't have to!

如果你不相信特斯拉的使命，你也不必相信!

Or when a billionaire donates a few hundred million dollars.

或者當一個億萬富翁捐贈了幾億美元。

You see people criticizing him for not donating enough.

你看到人們責備他捐款不夠多。

Come on, dude!

來吧，夥計！

How much have you donated!

你捐了多少錢！？

Probably not even 1 percent of what he did.

可能連他所做事情的百分之一都沒有。

How about we appreciate what he has done!

我們要感謝他所做的一切！怎麼樣？

Even if it's a tiny percentage of his wealth.

即使這只是他財富的極小部分。

Or the best one - if I would be as rich as him, I will donate dozens if not hundreds

或者最好的一個--如果我像他一樣富有，我將捐出幾十甚至幾百個。

of billions of dollars?

數十億美元的資金？

If you are so generous, why aren't you working as hard as him to become a billionaire to

如果你這麼慷慨，為什麼你不像他一樣努力工作，成為一個億萬富翁呢？

donate that much money?

捐出那麼多錢？

You spent your youth chasing girls and watching Netflix while that guy spent his youth building

你的青春是在追女孩和看Netflix上度過的，而那個人的青春是在建設中度過的。

a successful business, and now for some reason, he has to donate all that money.

一個成功的企業，而現在由於某些原因，他不得不捐出所有的錢。

You had the choice to take some risks, spend your entire youth building a business, but

你可以選擇承擔一些風險，用你的整個青春來建立一個企業，但

you didn't, and now you want to criticize him for not sharing his wealth with you.

你沒有，而現在你想責備他不與你分享他的財富。


 4. you don't assume you know everything


4.你不要以為自己什麼都知道

What do people do when they face financial problems.

當人們面臨財務問題時，他們會做什麼。

They complain about it.

他們抱怨這一點。

There is a bazillion number of things you can blame, starting from politicians that

你可以責備的事情有很多，從政治家開始，他們就可以責備。

run the country and ending it with your boss.

管理國家並與你的老闆一起結束。

Or how about the billionaires who have taken all the wealth and left nothing for you.

或者說，那些拿走了所有財富卻沒有給你留下任何東西的億萬富翁們怎麼樣。

Their greed is keeping you poor.

他們的貪婪使你貧窮。

But if you tell him to pick up a book and learn even the basics of money management.

但是，如果你告訴他拿起一本書，甚至學習理財的基本知識。

He will tell you, this is my money, and I know how to take care of it, so don't teach

他會告訴你，這是我的錢，我知道如何照顧它，所以不要教他。

me how to handle my money!

我如何處理我的錢!

Well, if you have figured everything out, why on earth are you always broke?

好吧，如果你已經想通了一切，那麼究竟為什麼你總是破產呢？

Maybe you shouldn't be broke if you know everything.

如果你什麼都知道，也許你不應該破產。


 And it's not only about money.

而且這不僅僅是錢的問題。

But everything else.

但其他一切。

Haven't you realized when people get into an argument, they try to prove that they are

你難道沒有意識到當人們陷入爭論時，他們試圖證明他們是

right, even if they are not, instead of trying to learn? 

對，即使他們不對，而不是努力學習？

And to be honest, I have had this mentality back when I was a teenager.

說實話，早在我十幾歲的時候，我就有這種心態。

I was quite stubborn.

我是相當頑固的。

But then I realized that, If I keep going like this, I will never grow, So I stopped

但後來我意識到，如果我繼續這樣下去，我將永遠不會成長，所以我停止了。

acting like I know everything and started paying attention to my flows and started fixing

表現得好像我什麼都知道，並開始注意我的流量，開始修復

them.

他們。

You cannot solve a problem if you don't acknowledge it.

如果你不承認一個問題，你就無法解決問題。

That's the first step to financial independence. 

這是實現財務獨立的第一步。


 5.

5.

Focus on your net worth and not income

專注於你的淨資產而不是收入

What is Jeff Bezos's salary?

傑夫-貝佐斯的工資是多少？

What is the salary of the richest man in the world?

世界上最富有的人的工資是多少？

How much do you think he earns when his net worth is around 200 billion dollars?

他的淨資產約為2000億美元，你認為他的收入有多少呢？

Probably billions, right?

可能是幾十億，對嗎？

No!

不!

His salary is a little over 81K dollars.

他的工資是81000美元多一點。

Yes, you heard that right!

是的，你沒聽錯!

Bezos doesn't even make six figures.

貝索斯甚至沒有六位數的收入。

How is that possible?

這怎麼可能呢？

And that not unique to Jeff Bezos.

而這並不是傑夫-貝佐斯獨有的。

Most of the richest men in the world have very modest salaries.

世界上最富有的人中，大多數人的工資都很低。

Because there is a huge difference between net worth and income.

因為淨資產和收入之間有很大的區別。

Salary is what you earn when you trade your time for money, but wealth are assets that

工資是你用你的時間換取金錢時賺取的，但財富是資產，是你的財富。

earn you money when you are not there.

在你不在的時候為你賺錢。

Since there is a limited amount of time you have on any given day, it doesn't make sense

由於你在任何一天的時間都是有限的，所以這沒有意義

to focus on your income.

以專注於你的收入。

That's why rich people often focus on building wealth.

這就是為什麼富人經常專注於積累財富。

Even the Forbes billionaires list is about wealth and not income.

即使是福布斯億萬富翁名單也是關於財富而不是收入。

So if you are focused on building wealth, you are on the right track!

是以，如果你專注於創造財富，你就走在正確的道路上了！"。

Even when you look at it from a tax point of view, ordinary income is often taxed at

即使你從稅收的角度來看，普通收入往往是以

the highest rate while there are a million tax breaks for wealth.

最高的稅率，而對財富有一百萬的減稅。

The most famous one is the section 1031 exchange.

最著名的是第1031條交換。

You can sell your property and buy another property and don't pay a dime in taxes.


你可以賣掉你的房產併購買另一處房產，而且不需要支付一毛錢的稅。

Some of these signs might apply to you others might not.

這些跡象中的一些可能適用於你，另一些可能不適用。

But keep in mind that you can always make that change in your life.

但請記住，你總是可以在你的生活中做出這種改變。

And its not going to happen overnight.

而且它不會在一夜之間發生。

In fact, it took me years to make that shift in my life.

事實上，我花了很多年才在生活中實現這一轉變。

So there is no reason to think that you can't do it.

所以沒有理由認為你做不到。

If 2.2 million people became millionaires in 2019, another 2 Million people become one

如果220萬人在2019年成為百萬富翁，另外200萬人成為一

as well this year, and as long as you put the effort and time, you definitely can be

今年也是如此，只要你付出努力和時間，你肯定能成為

one of them.

其中之一。

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

如果你喜歡這個視頻，你一定會喜歡這個定製的播放列表

i have created specifically for you that has our most popular videos on .... that can potentially

我專門為你創建了一個有我們最受歡迎的視頻的網站，....，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它應得的大拇指，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。