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  • Whether we like it or not, we live in a deeply  capitalistic world. Everything is measured in  

    無論我們喜歡與否,我們生活在一個深深的資本主義世界。一切都是以

  • 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 unimportantThat'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 problemEven 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. Eventhousand-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 youbut 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 houseMaybe 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 coffeeWhat 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 becomingmillionaire 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 collegeIf 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 attentionor 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。

Whether we like it or not, we live in a deeply  capitalistic world. Everything is measured in  

無論我們喜歡與否,我們生活在一個深深的資本主義世界。一切都是以

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A2 初級 中文 金錢 美元 債務 咖啡 投資 學生

沒有人告訴你的最佳金錢建議 (The Best Money Advice No One Told You About)

  • 9 1
    Summer 發佈於 2021 年 09 月 15 日
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