Name: 為什麼在2021年你會後悔省錢？ (Why You Will Regret Saving Money in 2021)
Uploaded: 2021-09-18T19:20:35.000Z
Duration: 12 min 3 s

基礎數量詞

One is when you don't have enough money, and the second is when you have too much money,

一個是當你沒有足夠的錢，第二個是當你有太多的錢。

to 不定詞

Most of you would probably prefer the second one.

你們中的大多數人可能會更喜歡第二種。

At the end of the day, thinking about how to invest your money is far better than planning

在一天結束的時候，思考如何投資你的錢要比計劃好得多。

But the reason why so many us are in such a dark financial situation is because of the

但是，我們這麼多人處於如此黑暗的財務狀況的原因是由於

We somehow came to the conclusion that we naturally understand how to manage our money

我們莫名其妙地得出結論，我們自然明白如何管理我們的錢。

According to a study, the lack of financial literacy cost Americans $415 billion in 2020.

根據一項研究，缺乏金融知識在2020年使美國人損失了4150億美元。

For some reason, people lean to believe that financial success is more of luck than hard

出於某種原因，人們傾向於認為財務上的成功更多的是靠運氣而不是靠努力。

work, but by looking at the lottery winners, we can confidently say that its not about

工作，但通過觀察彩票中獎者，我們可以自信地說，它不是關於

not having money because the overwhelming majority of lottery winners go back to where

沒有錢，因為絕大多數的彩票中獎者都回到了原地。

they started after a year of winning the lottery since they mismanage their money and end up

他們在贏得彩票一年後開始，因為他們管理不善，最終導致了

在不到12個月的時間裡浪費了它。

That's not surprising because only 30 percent of Americans have a long-term financial plan.

這並不奇怪，因為只有30%的美國人有一個長期的財務計劃。

And having a financial plan is very different from following that plan, so the percentage

而有一個財務計劃與遵循該計劃是非常不同的，是以，百分比

of people who take their financial lives seriously are a small minority.

認真對待自己財務生活的人是少數。

But then we complain how about how greedy capitalists like Jeff Bezos have corrupted

但我們又抱怨像傑夫-貝索斯這樣貪婪的資本家如何腐蝕了

Well, of course, the system is far from perfect, but if you want to do better financially,

嗯，當然，這個系統遠非完美，但如果你想在財務上做得更好。

you have to accept your reality and succeed within it.

你必須接受你的現實並在其中取得成功。

The most popular financial advice you probably heard of is to SAVE at least 20 percent of

你可能聽說過的最流行的財務建議是，至少要將20%的

That's solid advice considering that 40 percent of Americans have less than 300 dollars in

考慮到40%的美國人擁有不到300美元的存款，這是個可靠的建議。

What if I told you that saving money is a bad idea?

如果我告訴你，省錢是個壞主意呢？

In fact, if you would have spent all of your savings last year, you would be doing far

事實上，如果你將去年所有的儲蓄都花掉，你會做得更多。

I know that this is against everything you have been taught about money, but in this

我知道這與你所學到的關於金錢的所有知識相悖，但在此

video, you will find out why saving money, at least this year, is a bad idea.

視頻中，你會發現為什麼省錢，至少在今年，是一個壞主意。

If you are ready, give this video a thumbs up, and here is a little disclaimer - this

如果你準備好了，請為這個視頻豎起大拇指，這裡有一個小小的免責聲明--這個

is not financial advice, and everything that is said in this video is for educational purposes

並非財務建議，本視頻中所說的一切均為教育目的。

the  most common ways throughout history people

has made money is through saving account.

You could keep your money in a bank, and in return, the bank would pay you interest.

你可以把錢放在銀行裡，作為回報，銀行會付給你利息。

In fact, that's how banks work in the first place.

事實上，這就是銀行工作的初衷。

They take your money and lend it to someone else in the form of mortgages, car loans,

他們拿著你的錢，以抵押貸款、汽車貸款的形式借給別人。

Back in the 1970s, for example, you could earn anything from 7 to 9 percent on your

例如，在20世紀70年代，你可以從你的資產中獲得7%到9%的收益。

To be honest, that's a pretty decent return considering that savings accounts are one

說實話，考慮到儲蓄賬戶是一個相當體面的回報。

但隨著時間的推移，這種情況已經改變。

Keeping your money in a bank today will earn almost nothing?

今天把錢放在銀行裡，幾乎什麼都賺不到？

Well, not exactly nothing but something close to that.

好吧，不是完全沒有，而是接近於此。

The largest US banks pay anything from 0.01 to 0.05 percent.

美國最大的銀行支付從0.01%到0.05%不等。

Just to give you a sense of how little is that.

只是為了給你一個感覺，那是多麼的少。

If you keep your hard-earned thousand dollars in a bank, at the end of the year, you will

如果你把辛苦賺來的一千美元放在銀行裡，到了年底，你會

是的，你甚至不會賺到一美元！這就是我們的工作。

Because banks no longer rely on the depositors to function.

因為銀行不再依賴儲戶來運作。

Banks don't need your money to be able to lend to others.

銀行不需要你的錢就能貸款給別人。

They can simply borrow from the Fed at a very low rate like 0.5 percent and lend it to everyone

他們可以簡單地以非常低的利率如0.5%向美聯儲借款，並將其借給所有人

else at a higher percentage, like 2 percent.

So it doesn't make sense to pay you a higher percentage if you deposit your money in a

是以，如果你把錢存進了銀行，支付給你更高的百分比是沒有意義的。

Banks have shifted from being an investment tool to a place just to park your money.

銀行已經從一個投資工具轉變為一個只是停放資金的地方。

So any money you save slowly becomes less valuable over time due to inflation, especially

是以，你存下的任何錢都會因為通貨膨脹而慢慢變得不值錢，尤其是

If you haven't spent your savings last year on any asset that appreciates in value, your

如果你沒有把去年的儲蓄花在任何升值的資產上，你的

savings are worth significantly less than they did last year.

儲蓄的價值大大低於去年的水準。

In the last quarter of 2019, right before the pandemic, the median home price was 318K

在2019年的最後一個季度，就在大流行之前，房價的中位數是318K

Fast forward to the second quarter of 2021.

The median house price jumped to 375K dollars.

In fact, house prices have increased by around 25 percent on average, which means that you

事實上，房價平均上漲了約25%，這意味著你

would be far better off spending all of your savings on any property last year than keeping

將你的所有積蓄花在去年的任何財產上，會比保留你的財產要好得多。

Asset prices have grown across all categories.

所有類別的資產價格都有增長。

Some even doubled in lass than 12 months.

有些甚至在12個月內翻了一番。

That's why most rich people bought as many houses as possible, invested in the most stable

這就是為什麼大多數富人儘可能多地購買房屋，投資於最穩定的

companies and even spent fortunes on cryptocurrencies just to avoid cash because keeping cash since

公司，甚至在加密貨幣上花費巨資，只是為了避免使用現金，因為保留現金自

If you have even invested that money in yourself in way possible, that would be a better idea

如果你甚至以可能的方式將這些錢投資在自己身上，那將是一個更好的主意。

than just keeping it in a bank where interest rates are at almost zero percent.

比起把它放在利率幾乎為零的銀行裡。

We don't really know how long this astronomical inflation is going to continue.

我們真的不知道這種天文數字般的通貨膨脹會持續多久。

It definitely has slowed down, but judging by the Fed's contradicting statements, it's

它肯定已經放緩了，但從美聯儲自相矛盾的聲明來看，它是

The only savings account that makes sense to keep your money in is crypto.

唯一有意義的儲蓄賬戶是加密貨幣，把你的錢放在裡面。

Can you lend your crypto and earn interest?

你可以借出你的加密貨幣並賺取利息嗎？

But crypto was created to decentralize the financial system so that we can avoid the

但是，創建加密貨幣是為了使金融系統去中心化，以便我們能夠避免

好吧，那是另一個時間的故事。

There are crypto banks like Gemini to whim you can lend your bitcoins and earn up to

有一些加密貨幣銀行，如Gemini，你可以把你的比特幣借給他們，並賺取高達

The only problem is that your interest is paid based on the price of the crypto.

唯一的問題是，你的利息是根據加密貨幣的價格來支付的。

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為什麼在2021年你會後悔省錢？ (Why You Will Regret Saving Money in 2021)

majority

passionate

sense

solid