Name: 如果你有1000美元在銀行，現在就做這5件事 (If You Have $1000 In The Bank, DO THESE 5 Things Now!)
Uploaded: 2021-07-09T17:45:37.000Z
Duration: 11 min 30 s

If You Have $1000 In The Bank, DO THESE 5 Things!

如果你有1000美元的銀行存款，請做這5件事!

程度副詞

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。

轉承詞

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。

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。

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.

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。

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

1000萬美元？1億美元？10億美元？

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

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？

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.

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

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

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

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。

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

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?

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 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.

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。

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。

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

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

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

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

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.

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。

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!"

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

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

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.

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