Name: 我希望我在20歲時知道的5個金錢錯誤 (5 Money Mistakes I Wish I knew at 20)
Uploaded: 2021-06-13T19:20:28.000Z
Duration: 11 min 8 s

wow, What's the average age of millionaires in the United States, 62?

哇，美國百萬富翁的平均年齡是多少，62歲？

祈使句型

So if you are in your twenties or thirties and you're not a millionaire, don't worry because ideally you should not be one at that age at least.

是以，如果你在二十幾歲或三十幾歲的時候，你不是一個百萬富翁，不要擔心，因為在理想情況下，你在這個年齡段至少不應該是一個百萬富翁。

According to statistics, The average network for adults, between the age of 25-35 is $9000.

據統計，年齡在25-35歲之間的成年人的平均網絡是9000美元。

So if your network is higher than that congrats you are doing better than most people, that number is so low because your network is all of your assets minus liabilities, such as student debt, mortgage or credit card debts.

是以，如果你的網絡高於這個數字，恭喜你，你比大多數人做得更好，這個數字如此之低，因為你的網絡是你所有的資產減去負債，如學生債務，抵押貸款或信用卡債務。

But as people pay up their loans, they end up with a much bigger network.

但隨著人們還清貸款，他們最終會擁有一個更大的網絡。

That's why the average millionaire ages so high.

這就是為什麼百萬富翁的平均年齡如此之高。

But what percentage of millionaires are below the age of 35, Only 1%.

但35歲以下的百萬富翁佔多大比例，只有1%。

So when you see people becoming millionaires in their teen years or billionaires before turning 30, that's an exception.

是以，當你看到人們在十幾歲時就成為百萬富翁，或在30歲之前就成為億萬富翁，那是一個例外。

A lot of things have to go right for that to happen.

要實現這一目標，必須有很多事情要做對。

You have to be at the right place with the right people with the right idea not to say that they're wealthy because they're just lucky, they definitely worked hard for that.

你必須在正確的地方和正確的人在一起，有正確的想法，而不是說他們很富有，因為他們只是很幸運，他們肯定為之努力工作。

But a lot of other things outside their control went right for them as well.

但是很多其他不在他們控制範圍內的事情也都對他們有利。

The point is, if everything goes right for you and you become one at such an early age than good for you, but if not, that doesn't mean you should give up, but rather keep pushing until you make it well, there's something that is built gradually.

關鍵是，如果一切都很順利，你在這麼早的時候就成為一個比好的人，但如果不是，這並不意味著你應該放棄，而是繼續推動，直到你做得好，有一些東西是逐漸建立的。

That's why the overwhelming majority of millionaires are over 60 years old.

這就是為什麼絕大多數的百萬富翁都在60歲以上。

That might not necessarily be in your case because that's the average, There are people who are millionaires and are above 80 and then there are people who are millionaires in their twenties, so the average is 62, No one wants to wait that long to become a millionaire.

這不一定是你的情況，因為那是平均數，有的人是百萬富翁，而且在80歲以上，然後有的人在20多歲就成為百萬富翁，所以平均數是62歲，沒有人願意等那麼久才能成為百萬富翁。

You want to enjoy that money while you're still young.

你想在你還年輕的時候享受這些錢。

And one way to do that is to avoid financial mistakes.

而做到這一點的一個方法是避免財務錯誤。

Often people do find ways to make a lot of money.

通常情況下，人們確實能找到賺大錢的方法。

Some of you might already earned millions in your entire lifetime, but you have lost most affect.

你們中的一些人可能在一生中已經賺了數百萬，但你們已經失去了大部分影響。

So if you want to cut your financial journey by a huge milestone, if you want to become financially independent sooner than this video is for you.

是以，如果你想將你的財務旅程縮短一個巨大的里程碑，如果你想更快地實現財務獨立，那麼這個視頻就是為你準備的。

If I avoided these mistakes, I have no doubt that I would have become financially free much sooner.

如果我避免了這些錯誤，我毫不懷疑，我將會更早地實現財務自由。

So I am going to save you many years of experience and share with you five money mistakes you have to avoid at all costs.

是以，我將為你節省多年的經驗，與你分享你必須不惜一切代價避免的五個金錢錯誤。

By the way, I have a huge announcement to make a dent of the video, so make sure to stay till the end to find out.

順便說一下，我有一個巨大的公告，要在視頻中做一個凹陷，所以一定要留到最後才知道。

But before we get started, here is a disclaimer.

但在我們開始之前，這裡有一個免責聲明。

This is not financial advice and everything that's said in this video is for educational and entertainment purposes.

這不是財務建議，本視頻中所說的一切是為了教育和娛樂目的。

Not paying attention to your mortgage rates for most people buying a house is going to be their single biggest investment.

不注意你的抵押貸款利率對於大多數人來說，買房子將是他們最大的一項投資。

要用一生的時間才能買到一個。

That's why we have 30 year old mortgages.

這就是為什麼我們有30年的抵押貸款。

But what people take for granted our mortgage rates, of course, everyone can see the difference between one and 5%,, But a lot of times when the difference is like 1%, people don't take it seriously.

但人們認為我們的抵押貸款利率是理所當然的，當然，每個人都能看到1％和5％之間的差異，，但很多時候，當差異像1％時，人們並不把它當回事。

They don't try to look for better deals or improve their credit score before applying for a mortgage.

他們在申請抵押貸款之前，並不試圖尋找更好的交易或改善他們的信用評分。

Let's do the math and figure out how much of a difference there's a single percentage make.

讓我們來算算，一個百分比有多大的差別。

Let's say you want to buy a house that cost $300,000 and your mortgage instead of 4% is going to be 3%, assuming you're going to make a down payment of 20%, you're going to save an additional $134 per month.

假設你想買一棟30萬美元的房子，你的抵押貸款不是4%，而是3%，假設你要支付20%的首付，你每個月就能多省134美元。

At first glance, it doesn't seem like a lot of money.

But if you give it a second thought, that's a huge difference.

但如果你仔細想想，這就是一個巨大的區別。

Or $48,240 over the course of your mortgage for most people, that's how much money they make in an entire year.

或者在你的抵押貸款過程中，對於大多數人來說，48,240美元，這就是他們一整年賺的錢。

If you can get yourself a 1% lower rate, you can save yourself a fortune.

如果你能為自己爭取到1%的低利率，你就能為自己省下一大筆錢。

But here's where the interesting part starts.

但有趣的部分就在這裡開始了。

If we count the opportunity cost of that money, that number skyrockets instead of saving age, let's say you are going to invest that $1600 into the S and P.

如果我們計算這筆錢的機會成本，這個數字就會直線上升，而不是儲蓄年齡，假設你要把這1600美元投資到S和P。

500 every year over 30 years, you're going to end up with $300,000 pretty much the same amount of your house.

在30年內每年500美元，你最終會有30萬美元幾乎和你的房子一樣的金額。

So when you're not trying to get an extra lower percentage, when it's possible, you're throwing away $300,000.

是以，當你沒有試圖獲得一個額外的較低的百分比時，當它是可能的，你就扔掉了30萬美元。

And if the price of the house is higher than that number is going to be much bigger.

如果房子的價格更高，那麼這個數字就會更大。

Number two, not paying attention to your looks back when I was in college, I used to think that people who spend too much time trying to look attractive are useless because at the end of the day, you should not judge the book by its cover, right?

第二，不注意自己的長相早在我上大學的時候，我曾經認為那些花太多時間試圖看起來有吸引力的人是沒有用的，因為在一天結束時，你不應該以貌取人，對嗎？

There are multiple studies show that on average, more attractive people do better financially.

有多項研究表明，平均而言，更具吸引力的人在財務上做得更好。

I know that it sounds horrible and bad and I'm not saying that's right.

我知道這聽起來很可怕，很糟糕，我也沒有說這是對的。

The problem is that we naturally love to deal with more attractive people.

問題是，我們自然喜歡與更有吸引力的人打交道。

I'm not just talking about the opposite gender.

But overall in general, We often criticize celebrities of than face surgeries to look more attractive and yet millions of people followed them after they have done that, thus making them wealthier.

但總的來說，我們經常責備名人比臉部手術看起來更有吸引力，但在他們做完手術後，有數百萬人追隨他們，從而使他們更富有。

Multiple studies show that the better looking men had higher starting salaries and faster earnings growth in their 1st 10 years for women looks had little effect on their starting salaries but did improve their earnings growth in the long run.

多項研究表明，長相較好的男性有較高的起薪，並且在前10年有較快的收入增長，而女性的長相對她們的起薪影響不大，但從長遠來看確實提高了她們的收入增長。

Some studies even indicated that better looking people get lower mortgage rate.

一些研究甚至表明，長相較好的人得到較低的抵押貸款利率。

If you're hiring a salesperson, for example, would you hire someone who would attract more customers by being attractive and generate more cells or someone who is less attractive and would attract fewer customers?

例如，如果你要僱用一個銷售人員，你會僱用一個通過有吸引力而吸引更多客戶併產生更多細胞的人，還是僱用一個吸引力較小而會吸引更少客戶的人？

Of course not all professions require great looks, such as cells or acting, but if you had to professionally equal options, most people would lean to hire the more attractive one.

當然不是所有的職業都需要偉大的外表，如細胞或表演，但如果你必須在專業上有同等的選擇，大多數人都會傾向於僱用更有吸引力的人。

Some people are lucky genetically and natural and look beautiful, but that doesn't mean you can't do anything about it.

有些人在遺傳和自然方面很幸運，看起來很美，但這並不意味著你不能做什麼。

You can't change your genes, but there are plenty of things that you can do suggest dressing up properly, fixing your hair grooming, exercising, hitting the gym regularly.

你不能改變你的基因，但有很多事情你可以做，建議適當地打扮自己，修飾你的頭髮，鍛鍊身體，定期去健身房。

You can make yourself look much more attractive than you can imagine number three, you always have an option.

你可以讓自己看起來比你想象的更有吸引力第三，你總是有一個選擇。

First you go to the kindergarten than to school, then to college and university and then you find a job.

首先你去幼兒園，然後是學校，然後是大學，然後你找到工作。

Maybe change your job, get married and so on.

也許改變你的工作，結婚等等。

The problem arises when people think that they have no choice once you graduate.

當人們認為一旦你畢業就沒有選擇時，問題就來了。

What people don't realize is that they don't have to, it's a choice to either go and find a job or do something on your own that feels more meaningful.

人們沒有意識到的是，他們沒有必要這樣做，這是一個選擇，要麼去找工作，要麼自己做一些感覺更有意義的事情。

You're not obligated to go to college, You're not obligated to take a student debt.

你沒有義務上大學，你沒有義務承擔學生的債務。

If you think that you have an idea, you can start to start up.

如果你認為你有一個想法，你可以開始創業。

It's a choice and not an obligation number four, borrowing money to start your first business.

這是一個選擇，而不是第四項義務，借錢來開始你的第一個生意。

Here's what freaks me out when people have no idea how to build the business, who have absolutely no experience of what it means to run a business, believe that money is going to solve their business problems, so they go out and borrow money to start the business and then in most cases they get themselves into a lifelong debt.

當人們不知道如何建立企業，完全沒有經營企業的經驗，認為錢可以解決他們的業務問題，所以他們出去借錢開始業務，然後在大多數情況下，他們讓自己陷入終身的債務，這讓我感到害怕。

Don't get me wrong, Capital is important for a successful venture, but it only solves the problem when you know how to solve it.

不要誤會我的意思，資本對於一個成功的企業來說是很重要的，但只有當你知道如何解決問題時，它才能解決問題。

We're no longer in the 20th or 19th century.

Even back then you could start a business with little to no capital and today I can give you dozens of ideas of how you can start a business with a few $100 at best.

即使在那時，你也可以用很少或沒有資本來創業，今天我可以給你提供幾十個想法，讓你頂多用幾百美元就能創業。

Once you have established your business and you have a clear plan, how to expand, that's when it makes sense to borrow money.

一旦你建立了你的企業，你有一個明確的計劃，如何擴大，這時借錢是有意義的。

But even then, you're probably going to make enough to expand on your own without borrowing money.

但即使如此，你可能也會在不借錢的情況下賺到足夠的錢來擴大自己的規模。

Number five, timing the market when you get into the stock market for the first time you're excited, especially when you look at all these patterns.

第五，把握市場時機當你第一次進入股市時，你會很興奮，特別是當你看到所有這些模式時。

If this happens, then this is how the market is going to react or if this is happening now, it should be followed by a boom or a correction.

如果發生這種情況，那麼市場就會有這種反應，或者如果現在發生這種情況，那麼接下來就應該是繁榮或修正。

You spend all this time trying to predict the market, but the moment you put your money on the line, the stock plunges with every minute that you're not selling your stock, you lose money and it hurts because it happens right in front of your eyes.

你花了這麼多時間試圖預測市場，但當你把你的錢放在線上的那一刻，股票暴跌，你每一分鐘都沒有賣出你的股票，你失去了錢，這很痛苦，因為它就發生在你的眼前。

Even if you exit your position and realize your losses, you don't give up and try to time the market again.

即使你退出你的頭寸並意識到你的損失，你也不會放棄並試圖再次把握市場時機。

And that's how a lot of beginners lose fortunes when they just get into the stock market.

而這就是很多初學者在剛剛進入股市時失去財富的原因。

In fact, most of them start to believe that maybe the stock market is not for them or it's just one big scam.

事實上，他們中的大多數人開始相信，也許股票市場不適合他們，或者它只是一個大騙局。

What you have to understand early on is that it's impossible to time the market.

你必須儘早瞭解的是，不可能為市場計時。

Even if we are in the middle of a bubble, you never know when that bubble is going to burst.

即使我們處於保麗龍之中，你也不知道這個保麗龍何時會破滅。

Is there is a chance that you can predict it?

Yes, but it's very small and if you are a beginner that you can only rely on luck, so instead dollar cost average, which means invest gradually so that you hit both the bottom and the boom.

是的，但它非常小，如果你是一個初學者，你只能依靠運氣，所以相反，美元成本平均，這意味著逐步投資，這樣你就能同時擊中底部和繁榮。

But since the market overall is rising, you will most certainly make money and not lose.

但由於市場整體在上漲，你肯定會賺錢而不會虧錢。

But if you want to learn how to properly invest in the stock market, then check out my course on skills share where I explain everything from how the stock market works to how to read financial statements to different investing strategies.

但是，如果你想學習如何正確投資股市，那麼請查看我的技能分享課程，在那裡我解釋了從股市如何運作到如何閱讀財務報表到不同的投資策略的一切。

You can try skills share for free if you use the link in the description and get the course for free.

如果你使用描述中的鏈接，你可以免費嘗試技能分享，並免費獲得課程。

You can get it for free using the link in the description.

你可以使用描述中的鏈接免費獲得它。

It's short, straight to the point and fully animated.

它很短，直奔主題，而且完全是動畫。

At the end of the course, there is going to be an assignment that you have to complete, which I will personally check and provide you with feedback.

在課程結束時，將有一項你必須完成的作業，我將親自檢查並向你提供反饋。