There is no limit to how much you want, even a hundred trillion dollars is not enough,

你想要多少是沒有限制的，即使是一百萬億美元也是不夠的。

because once you have the entire planet, you would want to go to mars.

因為一旦你擁有整個地球，你就會想去火星。

You perfectly know who I am talking about ( Musk & Bezos).

你完全知道我說的是誰（馬斯克和貝索斯）。

On the other side the good news is that, once these people leave the earth, they will no

另一方面，好消息是，一旦這些人離開地球，他們將不再是

longer be on the Forbes list because the Forbes list considers people who live here on earth,

不再被列入福布斯名單，因為福布斯名單考慮的是生活在地球上的人。

which means now you have a higher chance to be on the top of the Forbes list, but I think

這意味著現在你有更高的機會登上福布斯榜首，但我認為

the founder of LVMH, Bernard Arnault will take their positions because apparently, it

LVMH集團的創始人Bernard Arnault將擔任他們的職務，因為顯然，這

seems like you don't need to build a tech company to become worlds richest person.

似乎你不需要建立一個科技公司來成為世界首富。

All you have to do is sell overpriced handbags to people who make a lot of money but are

你所要做的就是把高價的手袋賣給那些賺大錢但卻

still dumb enough to waste all that money on overpriced handbags with a logo that literally

還是蠢到把所有的錢都浪費在價格過高的手提包上，而這些手提包上的商標簡直就像在做夢。

says.

說。

I have paid 5K for this handbag that literally performs the exact same job that any other

我花了5千美元買了這個手提包，但它所做的工作與其他任何手提包完全一樣。

handbag does that cost $10.

手袋的價格是10美元。

But you can't call them dumb because they are making so much money, but they could be

但你不能說他們是啞巴，因為他們賺了這麼多錢，但他們可能是

dumb because they're wasting that money on dumb things, so I will leave that question

因為他們把錢浪費在愚蠢的事情上，所以我將離開這個問題。

for you to answer in the comment section below.

讓你在下面的評論區回答。

I didn't mean to offend anyone.

我無意冒犯任何人。

I just can't understand why anyone would pay 5 or 10K dollars for a handbag.

我只是不明白為什麼有人會花5或1萬美元買一個手提包。

Maybe I am just not smart enough to understand that.

也許我只是不夠聰明，不能理解這一點。

Let's get back to the question of this video, how much money do you need to retire.

讓我們回到本視頻的問題上，你需要多少錢才能退休。

Let's just be realistic.

我們還是現實一點吧。

10 million dollars? 100 million dollars? 1 billion dollars?

1000萬美元？1億美元？10億美元？

The answer is far from that.

答案遠非如此。

in order to answer that question, we have to take a look at a few statistics.

為了回答這個問題，我們必須看一下一些統計數據。

In 2019, right before the pandemic, The Bureau of Labor Statistics said that the median personal

在2019年，就在大流行之前，勞工統計局說，個人的中位數是1.5萬。

income is $35,977 or $61,937 for households.

收入為35,977美元，家庭為61,937美元。

But let's ignore the median and focus on the average household income, which is $87,864.

但是，讓我們忽略中位數，專注於平均家庭收入，即87,864美元。

Of course, this number is not accurate for everyone because if you are in your 20s, you

當然，這個數字對每個人來說都不準確，因為如果你是在20多歲的時候，你

need far less money compared to someone who is in their 60s who needs to pay a fortune

與60多歲的人需要支付一大筆錢相比，他們需要的錢要少得多。

on insurance because with age comes health problems.

保險，因為隨著年齡的增長，健康問題也隨之而來。

That's why guys if you want to save money, take care of your health and stop eating all

這就是為什麼夥計們，如果你想省錢，照顧好你的健康，並停止吃所有的

that junk food.

那些垃圾食品。

The next question is - how much do you have to invest in order to earn $87,864 every single

下一個問題是--你必須投資多少錢才能賺取87,864美元的每一筆錢？

year without doing anything.

一年沒有做任何事情。

We are going to take a look at a few available options, and we will do the math.

我們要看一下幾個可用的選擇，我們將進行計算。

If that number is higher or lower for you, you can just take that equation and use a

如果這個數字對你來說比較高或比較低，你可以直接把這個方程式拿出來，用一個

different number that suits your circumstances more accurately.

更適合你情況的不同數字。

Don't be scared of the numbers we will talk about because at the end of the video, it

不要被我們將要談論的數字所嚇倒，因為在視頻的最後，它

will all make sense.

都會有意義。

That's why it's important to pay attention.

這就是為什麼要注意的原因。

I get it.

我明白了。

It's not easy.

這並不容易。

After watching 15-second TikTok videos, watching a 10 minute YouTube video seems like a 3-hour

看完15秒的TikTok視頻後，看10分鐘的YouTube視頻似乎是3小時的事。

movie, but I promise the value you will get from this video is far more than you will

但我保證，你從這段視頻中得到的價值遠遠超過你將得到的

from hours browsing Tiktok.

從小時瀏覽Tiktok。

Have

有

you heard the phrase, never spend the principal, only spend the interest.

你聽說過這句話，永遠不要花本金，只花利息。

And that's the key to financial freedom.

而這就是財務自由的關鍵。

If you have inherited 10 million dollars, let's say you invest it and get a 5 percent

如果你繼承了1000萬美元，假設你將其投資並獲得5%的收益

interest annually.

每年的利息。

That's half a million dollars a year.

那就是每年50萬美元。

For the rest of your life, you can confidently spend $500K or $41,666 dollars every single

在你的餘生中，你可以自信地花費50萬美元或41,666美元，每一次都是如此。

month for the rest of your life, and your wealth won't even decrease by a single penny.

在你的餘生中，你的財富甚至不會減少一分一毫。

That's way better than splashing that 10 million dollars in one single year.

這比在一年內砸下那1000萬美元要好得多。

But the key question - since the average household income is $87,864, how much do you need to

但關鍵的問題是--既然平均家庭收入是87,864美元，那麼你需要多少錢呢？

invest to make that much money every single year?

投資，每年賺那麼多錢？

For the sake of this example, We are not going to take any risky investments such as Crypto

在這個例子中，我們不打算採取任何風險投資，如加密貨幣。

or individual stocks such as Tesla or GameStop.

或個別股票，如特斯拉或GameStop。

We are going to be ultra-conservative and take something super stable, something that

我們將是極端保守的，並採取一些超級穩定的東西，一些

historically has proven to grow by a decent percentage like the S&P500 that grows by around

歷史上已經證明，像標準普爾500指數那樣的增長百分比是相當高的，大約為1.5%。

10 percent a year.

每年10%。

10 percent out of $878,640 is $87,864, the amount that we are looking for.

878,640美元中的10%是87,864美元，這是我們正在尋找的數額。

This means if you manage to invest $878,640, for the rest of your life, you can spend $87,864,

這意味著如果你設法投資878,640美元，在你的餘生中，你可以花費87,864美元。

and your wealth will remain the same, but the problem is, how do you save $878,640?

而你的財富將保持不變，但問題是，你如何節省878,640美元？

when the average household income is $87,864.

當平均家庭收入為87,864美元。

That's literally saving every penny you earn for 10 straight years, which is impossible

這簡直就是連續10年把你賺的每一分錢都存起來，這是不可能的。

for most people.

對大多數人來說。

And that's the average which means, people who are in their 20s do make anything close

而這是平均數，這意味著20多歲的人確實能賺到接近的東西。

to that.

對這一點。

And that's where the magic of compound interest comes into the picture.

而這正是複利的魔力所在。

Let's say you are 21 years old, you are about to graduate and looking for a job, but luckily

假設你今年21歲，即將畢業，正在找工作，但幸運的是

you have saved 1K dollars.

你已經節省了1千美元。

Whether your partied less, avoided cool Starbucks coffee or you were single during your college

無論你是少參加聚會，避免喝涼的星巴克咖啡，還是在大學期間是單身

days.

天。

That's one of the benefits of being single, but does it worth it?!

這是單身的好處之一，但這值得嗎？

Anyways, let's assume you will invest that amount into the S&P500 and completely forget

總之，讓我們假設你將這一數額投資於標準普爾500指數，並完全忘記

about it.

關於它。

You are not going to Withdraw it next September when the new iPhones comes up or when you

明年9月，當新的iPhone出現時，你不會再提取它，或者當你

have no money left to hang out with your friends.

沒有錢和你的朋友一起玩。

You will live as if you have never had that money at all.

你會活得像你根本就沒有那筆錢一樣。

And every single year, till the time you retire, you commit to invest 1K dollars into the SP500.

每一年，直到你退休時，你承諾向SP500指數投資1千美元。

When you retire at 66, you will end up with 863,685.80 or $86,368 every single year.

當你66歲退休時，你最終將擁有863,685.80美元，即每年86,368美元。

By saving just a thousand dollars a year, you have built wealth that worth almost a

每年只需節省1000美元，你就能建立起價值幾乎為1美元的財富。

million dollars and generates $86,368.

萬美元，產生86,368美元的收入。

That's why Einstein once said: "Compound interest is the eighth wonder of the world.

這就是為什麼愛因斯坦曾說"複利是世界上的第八大奇蹟。

He who understands it, earns it, he who doesn't it, pays it!"

懂的人就賺，不懂的人就賠！"

I know that waiting for 45 years sounds like a really long time, but we also took a very

我知道，等待45年聽起來真的很漫長，但我們也採取了一個非常

small amount of money.

少量的錢。

Saving 1K is not a big deal for most of the people who are watching this video.

對於正在觀看這個視頻的大多數人來說，節省1千美元並不是什麼大問題。

We can take a more extreme example where you could save 3 or 5K dollars a year, and you

我們可以舉一個更極端的例子，你每年可以節省3或5千美元，而你

won't have to wait for 45 years to rip the rewards of compound interest.

不需要等待45年就能享受到複利的回報。

Let me in the comments section below, how much are you willing to invest a year?

讓我在下面的評論部分，你願意一年投資多少錢？

But not everything is sunshine and rainbows.

但不是所有事情都是陽光和彩虹。

While in theory, it's possible to get a 10 percent rate of return, in practice, it gets

雖然在理論上，有可能獲得10%的回報率，但在實踐中，它變得

slightly more complicated.

稍微複雜一些。

The inflation rate in the US is around 2 to 3 percent, which means if you don't want the

美國的通貨膨脹率約為2%至3%，這意味著如果你不想要

real value of your investment to decrease every year by 2 or 3 percent, you should not

如果你的投資的實際價值每年減少2%或3%，你就不應該

withdraw more than 7 percent of your investment.

提取超過7%的投資。

On top of it, if you want your investment to grow by at least a small margin, like 2

除此之外，如果你希望你的投資至少有一個小幅度的增長，比如2

percent, you are left with just 5 percent.

百分點，你就只剩下百分之五了。

So, if you want to be able to withdraw $87K dollars and be confident that inflation won't

是以，如果你希望能夠提取8.7萬美元，並確信通貨膨脹不會影響你的生活。

wipe out your wealth over time, you have to invest double that amount or 1.7 million dollars

如果你的財富隨著時間的推移而消失，你必須投資兩倍的金額或170萬美元。

or 2K dollars every year instead of 1K dollars, which is still reasonable for most people.

或每年2千美元，而不是1千美元，這對大多數人來說仍然是合理的。

If you check out the fire community on the internet, you will find endless examples of

如果你在互聯網上查看一下消防社區，你會發現無窮無盡的例子

how people lived frugally for 5, 10 or 15 years and saved the vast majority of their

人們如何節儉地生活了5年、10年或15年，並存下了他們的絕大部分資金。

earnings but eventually became financially independent.

收入，但最終在經濟上獲得了獨立。

You don't have to go that extreme because life without work is boring, so you can pursue

你不必那麼極端，因為沒有工作的生活很無聊，所以你可以追求

this strategy as a backup plan in case if things go south.

這個策略是一個備份計劃，以備萬一事情發生。

But, you probably have a million questions about how that is possible.

但是，你可能有一百萬個問題，不知道這怎麼可能。

I get it.

我明白了。

I was once in your position.

我曾經處於你的位置。

And to answer all of your questions, I have created a course that simple, straightforward

為了回答你所有的問題，我已經創建了一個簡單、直接的課程。

and fully animated.

而且是完全動畫化的。

I have literally answered almost all of the questions you have in your mind.

我實際上已經回答了你心中幾乎所有的問題。

I strongly recommend it if you are serious about investing.

如果你對投資有興趣，我強烈推薦它。

It will not just teach you how to invest in index funds but teach you how to analyze stocks

它不僅會教你如何投資於指數基金，還會教你如何分析股票

and read financial statements, and at the end of the course, you will have to complete

並閱讀財務報表，在課程結束時，你將必須完成

an assignment that I will personally check, and the best part of it is that you can get

我將親自檢查一份作業，其中最重要的是，你可以得到

2 weeks of Skillshare premium if you use the link in the description and get the course

如果你使用描述中的鏈接並獲得該課程，則可獲得2周的Skillshare premium

for free.

免費的。

So don't miss it.

所以不要錯過。

But what certainly have to keep in mind that you should not do anything with your money

但肯定要記住的是，你不應該用你的錢做任何事情

unless you have covered your credit card debts first.

除非你首先償還了你的信用卡債務。

If your credit card has an annual percentage rate of, say, 20%, that doesn't mean you get

如果你的信用卡的年利率是20%，這並不意味著你能得到什麼？

charged 20% interest once a year.

每年收取一次20%的利息。

Depending on how you manage your account.

取決於你如何管理你的賬戶。

That's because interest is calculated on a daily basis, not annually, and is charged

這是因為利息是按日計算的，而不是按年計算的，而且是按年收取的。

only if you carry debt from month to month.

只有當你每個月都揹負債務的時候。

So it doesn't make sense to aim for a 10 percent rate of return while you have a debt with

是以，當你有一筆債務時，以10%的回報率為目標是沒有意義的。

20 percent interest.

20％的利息。

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，它是

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

我專門為你創建了有我們最受歡迎的視頻的....，這有可能是

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。