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  • 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!

  • 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

  • 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。

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!

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    Summer 發佈於 2021 年 07 月 09 日
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