terms of money. If you are creating a product and  want to know how many people it's going to help,  

就金錢而言。如果你正在創造一個產品，想知道它能幫助多少人。

all you have to take a look at is your sales. Your hard work is measured only in terms of how  

你所要看的是你的銷售額。你的努力工作只能用以下方式來衡量

much money it can create. I know  that it sounds selfish and evil,  

它能創造多少錢。我知道這聽起來很自私和邪惡。

but that's our reality, and we all unconsciously  follow this concept. Let's say I put a thousand  

但這就是我們的現實，我們都不自覺地遵循這個概念。比方說，我把一千個

hours creating this video or a movie or  a product. Are you going to watch it just  

小時創建這個視頻或電影或產品。你是否要看它只是

because I have spent so many hours creating it? Of course no! Why would you waste your time?! 

因為我花了這麼多時間創造它？當然不是!你為什麼要浪費你的時間呢！？

My effort is not an excuse for  you to waste your time or money? 

我的努力不是你浪費時間或金錢的藉口？

On average, there are 700 movies produced in  Hollywood per year. How many of them do you watch? 

平均而言，好萊塢每年生產700部電影。你看了其中的多少部？

A fraction! Although people have spent countless  hours and money to create these movies. 

一小部分!雖然人們花了無數的時間和金錢來創造這些電影。

In other words, we are all capitalists  to a certain extend. It's human nature,  

換句話說，我們在某種程度上都是資本家。這是人的本性。

but here is the problem. The subject of money is  not taught in school. We are taught chemistry,  

但問題就出在這裡。學校裡沒有教授金錢這個主題。我們教的是化學。

physics, literature, which are all important. We  memorize a bunch of facts that we never use just  

物理學、文學，這些都很重要。我們記住了一堆事實，但我們從來沒有使用過，只是

to pass the test, but when it comes to money which  is an essential part of our lives, we somehow skip  

以通過測試，但當涉及到金錢這個我們生活中的重要部分時，我們卻不知不覺地跳過了

it and consider it as something unimportant.  That's why we go and get a 100K dollar student  

它，並認為它是不重要的東西。 這就是為什麼我們去找一個10萬美元的學生

loan to get a degree that doesn't even guarantees  a job. And the funny part is that there is no way  

貸款來獲得一個甚至不能保證工作的學位。而有趣的是，沒有辦法

around that debt. Even declaring bankruptcy isn't  going to help you. You still have to pay for it. 

圍繞這些債務。即使宣佈破產也不能幫助你。你仍然要為它付出代價。

Don't get me wrong. Student debt  has worked great for many people,  

不要誤會我的意思。學生債務對許多人來說都很有效。

but it also ruined a lot of lives, especially when  40 percent of college students never graduate.  

但它也毀了很多人的生活，特別是當40%的大學生從未畢業。

That college degree is absolutely useless if you  don't graduate. Only if these people have been  

如果你不畢業，那個大學學位是絕對沒有用的。只有當這些人已經被

taught financial literacy back in school, they  would have measured whether taking a 100k loan  

如果在學校裡教授金融知識，他們就會衡量是否接受了10萬的貸款

is a good investment in themselves. Fortunately for me, I didn't get a  

是對自己的一個很好的投資。對我來說，幸運的是，我沒有得到一個

student debt. I worked tirelessly throughout my  college years to be able to pay for my tuition  

學生債務。我在整個大學期間不知疲倦地工作，以便能夠支付我的學費

without getting into debt. Yes, I have missed  a lot of parties, but I don't regret it. 

而沒有陷入債務。是的，我錯過了很多聚會，但我並不後悔。

Student debt is just part of the problem.  Even once they graduate, they keep repeating  

學生債務只是問題的一部分。 即使他們一旦畢業，也會不斷地重複

the same financial mistakes over and over. Even a  thousand-dollar emergency can push most Americans  

一遍又一遍地犯同樣的財務錯誤。即使是一千美元的緊急情況，也會把大多數美國人推向

to go into debt. Less than 40 percent of Americans  can cover unexpected thousand-dollar emergencies.  

以致於負債累累。不到40%的美國人能夠支付意外的千美元的緊急情況。

So here in this video, I am going to give  you the best money advice no one told you. 

是以，在這個視頻中，我將給你最好的金錢建議，沒有人告訴你。

Your school should have taught you, but it didn't.  

你的學校應該教你，但它沒有。

Your parents should have taught you,  but they are the victims of the system. 

你的父母本應教育你，但他們是制度的受害者。

So if you are ready, give this video  a thumbs up, and let's dive in. 

是以，如果你準備好了，請為這段視頻豎起大拇指，讓我們深入瞭解一下。


 Be rational with money.

要理性對待金錢。

Handling money is not as difficult as many  people might imagine. It's a lot easier than  

處理金錢並不像許多人可能想象的那樣困難。它比

you think, but the keyword is - think. Most of  our financial decisions are made without really  

你認為，但關鍵詞是--思考。我們大多數的財務決定都是在沒有真正

thinking about them deeply. Why did you take  that student loan? Because everyone else does. 

深入思考這些問題。你為什麼要拿那筆學生貸款？因為其他人都這樣做。

Wait for a second, did you think about how useful  it's going to be to you? Not really! Let me give  

等一下，你想過它對你有多大作用嗎？沒有！沒有。讓我給

you another example. When you buy a stock, for  example, or an asset. You always think in terms of  

再給你舉個例子。例如，當你購買一支股票，或一項資產。你總是從以下方面考慮

why buying that asset is a good  idea. Maybe because it's undervalued,  

為什麼購買該資產是一個好主意。也許是因為它的價值被低估了。

maybe because it seems to you like it's  going to double in the next year or so.  

也許是因為在你看來，它將在未來一年左右翻倍。

But what most people don't consider is  that and lose money when investing is  

但大多數人沒有考慮到的是，和投資時輸錢是

because they don't ask themselves - why  that person wants to sell this asset? 

因為他們沒有問自己--為什麼這個人想賣掉這個資產？

When you are buying bitcoin, for instance, for  50K dollars, no one is creating a bitcoin out  

例如，當你以5萬美元購買比特幣時，沒有人在創造一個比特幣出來。

of thin air to give it to you like iPhones. You  are buying it from someone else. The question is  

稀裡糊塗地把它送給你，就像蘋果手機一樣。你是在向別人購買。問題是

if you are so deeply confident that the bitcoin  price will double in the next few month or year  

如果你對比特幣價格將在未來幾個月或一年內翻倍如此有信心的話

if you know that it's going to reach 100K dollars  or a million dollars. Why is that person or that  

如果你知道它將會達到10萬美元或100萬美元。為什麼那個人或那個

investment bank or one of the early Bitcoin  holders who owns these bitcoins selling them to  

投資銀行或擁有這些比特幣的早期比特幣持有者之一將其出售給

you for just 50K dollars? Doesn't he want to keep  it and sell it once it crosses a million dollars? 

你只需要5萬美元？難道他不想保留它，一旦超過一百萬美元就賣掉它嗎？

Maybe because he knows something that  you don't? Maybe the reality is slightly  

也許是因為他知道一些你不知道的事情？也許現實是稍微

different from what you might think. Especially when you are competing from  

與你可能認為的不同。特別是當你在競爭中從

your dorm room with investment banks that  have thousands of analysts working for them,  

你的寢室與有數千名分析師為其工作的投資銀行。

analysing every aspect of this asset. Let's take another example. Most people  

分析這個資產的每一個方面。讓我們再舉個例子。大多數人

don't care about the small day-to-day expenses.  A few dollars on avocado toast or 4 dollars on a  

不關心日常的小開支。 幾美元的牛油果吐司或4美元的一個

Starbucks coffee should not make a difference. Those 4 bucks that you spend on a fancy cup of  

星巴克的咖啡不應該有什麼區別。你花在一杯花哨的咖啡上的那4塊錢

hot drink do not seem to make a difference. At  the end of the day, we work hard to earn money  

熱飲似乎沒有什麼不同。在一天結束的時候，我們努力工作掙錢

so that we can afford a more luxurious life. What is the point of denying yourself that  

以便我們能夠負擔更奢侈的生活。否認自己有什麼意義呢？

pleasure if it's not going to make  any difference at the end of the day? 

如果最終不會產生任何影響，那麼就會很高興？

4 dollars a day is just 120 bucks a month  and $1440 a year. Which is a lot of money  

每天4美元只是每月120美元，一年1440美元。這是一個很大的數字

but still isn't really a deal maker since  you are getting instant daily pleasure. 

但仍然不是真正的交易商，因為你得到的是即時的日常樂趣。

Even if you look at it from a long-term  perspective, like 30 years, it's just $43,200,  

即使你從長期的角度來看，比如30年，也只是43,200美元。

which is not even enough to get you a house.  Maybe enough for a downpayment in some states. 

這甚至還不足以讓你買到房子。 在一些州，也許足夠支付首付。

But by then, you will be an old man.  
 

但到那時，你將成為一個老人。

And secondly, if you do not buy that morning  coffee, you will probably spend that money  

其次，如果你不買早上的咖啡，你可能會花掉這些錢。

elsewhere. Let's be honest, Chances that you will  put aside every morning 4 dollars aren't high. 

其他地方。說實話，你每天早上拿出4美元的機會並不高。

There are a ton of people who do not buy a coffee  every morning, and yet they are in no better  

有一大批人每天早上都不買咖啡，但他們的情況並沒有好轉。

financial position than you! 
 

比你更有經濟實力的人!

However, there is a different side to that story! Let's try to look at everything from a completely  

然而，這個故事有不同的一面!讓我們試著從一個完全的角度來看待一切

opposite angle where that cup of coffee can be  a deal maker between you becoming a millionaire  

從相反的角度看，那杯咖啡可以成為你成為百萬富翁之間的決定因素。

or not! 
 

或不!

What is the opportunity cost of that daily coffee?  What if you do not just save that 120 bucks but  

每天喝咖啡的機會成本是多少？ 如果你不只是省下這120塊錢，而是

invest it every single month over the course of  30 years. If you take the historical average rate  

在30年的時間裡，每個月都要投資它。如果你採取歷史平均利率

of return, which is 10%, that would be $285,685  dollars which is a decent amount of money. It's  

如果按照10%的回報率計算，那將是285,685美元，這是一個相當大的數字。它是

way more than $43,200, but it still isn't going  to make you rich, especially after 30 years. 

比43,200美元多得多，但它仍然不會讓你發財，尤其是在30年後。


 However, when you start  

然而，當你開始

looking at it from that perspective, you start  counting the opportunity cost of everything else.  

從這個角度看，你開始計算其他一切的機會成本。

The avocado toast that you buy together with  your coffee, your iPhone that you update every  

你買的牛油果吐司和你的咖啡，你每次更新的iPhone

September. Every time you eat outside instead  of cooking at home, all the clothes that you  

九月。每次你在外面吃飯而不是在家裡做飯，你的所有衣服

buy but don't really wear, all the money that you  spend on alcohol, and the list goes on and on.  

買的東西卻不怎麼穿，你花在酒上的所有錢，這個名單還在不斷地增加。

And if you take the total sum, it starts  making a difference! A real difference!  

如果你把總和拿出來，它就會開始產生變化！真正的變化。一個真正的差異!

You realize that your chances of becoming a  millionaire are very high if you choose to be  

你意識到，如果你選擇成為百萬富翁，你成為百萬富翁的機會是非常高的。

more conscious of your spending. 
 

更加註意自己的開支。

But, you may say, what is the point  of sacrificing my entire life so that  

但是，你可能會說，犧牲我的整個生命有什麼意義？

when I am 70, I can sit on a pile of cash? And you are absolutely right! You shouldn't!  

當我70歲的時候，我可以坐在一堆現金上？你是完全正確的!你不應該這樣做!

That's really dumb! 
 

這真的很蠢!

Your time is limited here on earth. You are not  going to live forever. You won't be able to take  

你在地球上的時間是有限的。你不可能永遠活著。你將不可能採取

all that cash with you to your graveyard. You  should do your best to spend as much as you can,  

所有這些現金和你一起去你的墓地。你應該盡你所能，儘可能多地花錢。

except if you want to leave something  behind for your kids. But at the same time,  

除非你想為你的孩子留下一些東西。但與此同時。

you don't want to worry about money all  the time, throughout your entire life. 

你不想在你的一生中一直擔心錢的問題。


 That's why you should try to reach to a  

這就是為什麼你應該嘗試接觸到一個

point where your investments are much higher than  your expenses, and you will keep getting richer  

你的投資遠遠高於你的支出，你將不斷地變得更富有。

every year regardless if you buy that coffee  or not because your investments are growing. 

每年，無論你是否購買那杯咖啡，因為你的投資在增長。


 And that takes me to the next  

這使我想到了下一個問題

point - always think long term.  
 

觀點 - 始終從長計議。

Let's say you are about to get into college.  If you think strictly in terms of 4 years,  

比方說，你即將進入大學。 如果你嚴格按照4年的時間來考慮。

then getting a student debt, for example, is  great because you will have the time to party,  

例如，得到一個學生的債務，是很好的，因為你將有時間去聚會。

hang out with friends, and have fun while  getting your degree, but if you think in  

在獲得學位的同時與朋友一起玩耍，享受樂趣，但如果你想在

terms of 20 years, you realize that you will  have to pay off that debt once you graduate.  

20年的期限，你意識到一旦你畢業，你將不得不償還這些債務。

The point isn't whether student debt is good or  bad, but when you take any financial decision,  

問題不在於學生債務是好是壞，而是當你做出任何財務決定時。

think about whether, in the long run, you  are going to be doing well financially. 

想一想，從長遠來看，你的財務狀況是否會好起來。

Of course, we don't know how long are we going  to live, but life expectancy in the US is around  

當然，我們不知道我們會活多久，但美國的預期壽命約為

78.5 years, so it's better to plan that way  even if you might not end up living that long. 

78.5年，所以即使你最終可能不會活那麼久，也最好這樣計劃。


 But here is another misconception  

但這裡有另一個誤解

that people have. Let me make it clear and simple  - money is not going to solve your insecurities. 

人們所擁有的。讓我清楚而簡單地說明--金錢並不能解決你的不安全感。

You can be driving a Lambo, flying private while  still be insecure. So if you are chasing money to  

你可以開著蘭博，坐著私人飛機，但仍然沒有安全感。是以，如果你在追趕金錢，以

feel more confident, attract more attention,  or build friends. Then that's a bad idea. 

感覺更自信，吸引更多的注意力，或建立朋友。那麼這就是一個壞主意。

Money solves a lot of problems, but insecurities  aren't one of them. People realize too late  

錢可以解決很多問題，但不安全感不是其中之一。人們意識到的太晚了

chasing money their entire lives only to  discover that there are actually problems  

他們一生都在追逐金錢，卻發現其實有很多問題。

that money can't solve. So, while it's important  to strive to become financially independent,  

錢解決不了的問題。是以，雖然努力實現財務獨立很重要。

there are plenty of ways you can improve your  life even if you are barely paying your bills. 

即使你只能勉強支付賬單，也有很多方法可以改善你的生活。

Anyways, it's time to go and get your two free  stocks from we bull of you. Use the link in the  

總之，現在是時候去從我們這些大牛那裡得到你的兩支免費股票了。請使用下面的鏈接

description. Or check out my special course  on Skillshare that will teach how to invest  

描述。或查看我在Skillshare上的特別課程，該課程將教授如何投資

in the stock market like those rich people. And most importantly, give this video  

像那些富人一樣在股票市場上。而最重要的是，給這個視頻

a thumbs up if you want to help and  subscribe if you are new around here. 

如果你想提供幫助，請豎起大拇指；如果你是這裡的新成員，請訂閱。


 Thanks for watching and until next time.  

謝謝你的觀看，直到下一次。