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  • There are two types of money problems.

    有兩種類型的金錢問題。

  • 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。

  • and you have to manage it.

    而你必須管理它。

  • Which one do you prefer?

    你喜歡哪一個?

  • 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。

  • how not to die out of starvation.

    如何不因飢餓而死亡。

  • 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

  • lack of financial literacy.

    缺乏金融知識。

  • 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。

  • when the opposite is true.

    而事實恰恰相反。

  • 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

  • wasting it in less than 12 months.

    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

  • the system.

    該系統。

  • 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

  • your income, have an emergency fund.

    你的收入,有一個應急基金。

  • 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。

  • savings, but that's not enough!

    儲蓄,但這是不夠的!

  • 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。

  • better financially than you are now?

    在經濟上比現在好嗎?

  • 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。

  • and now let's dive in.

    現在讓我們深入瞭解一下。

  • One of

    其一

  • the most common ways throughout history people

    歷史上人們最常見的方式是

  • has made money is through saving account.

    賺錢是通過儲蓄賬戶。

  • 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。

  • and so on.

    等等。

  • 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。

  • savings account.

    儲蓄賬戶。

  • 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。

  • of the safest forms of investments.

    是最安全的投資形式。

  • But that has changed over time.

    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?

  • What?

    什麼?

  • Nothing!

    什麼都沒有!

  • 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

  • receive an extra 50 cents.

    獲得額外的50美分。

  • Yes, you won't even earn a dollar!

    是的,你甚至不會賺到一美元!這就是我們的工作。

  • But why!?

    但為什麼!?

  • 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.

    其他以更高的比例,如2%。

  • 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。

  • savings account.

    儲蓄賬戶。

  • 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

  • since 2020.

    自2020年以來。

  • 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。

  • Let me give you a simple example.

    讓我給你舉個簡單的例子。

  • 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

  • dollars.

    美元。

  • Fast forward to the second quarter of 2021.

    快進到2021年的第二季度。

  • The median house price jumped to 375K dollars.

    房價中位數躍升至37.5萬美元。

  • That's around a 20 percent increase.

    這大約是20%的增長。

  • 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。

  • it in the bank.

    它在銀行裡。

  • That was not unique to real estate.

    這並不是房地產所特有的。

  • 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

  • 2020 was a bad idea.

    2020年是個壞主意。

  • 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

  • unclear how long it will continue.

    不清楚它將持續多長時間。

  • It might last another year.

    它可能會再持續一年。

  • 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。

  • Wait for a second!

    等一下!

  • 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?

  • Yes, you can!

    是的,你可以!

  • 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

  • banks.

    銀行。

  • Well, that's a story for another time.

    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

  • 8 percent interest.

    8%的利息。

  • 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。

  • And judging by how volatile crypto is, at least today, your 8 percent can either be

    從加密貨幣的波動程度來看,至少在今天,你的8%可能是

  • a lot or very little depends on the mood of Bitcoin.

    很多或非常少取決於比特幣的情緒。

  • What you have to keep in mind is not to lose your principle when trying to make money on

    你必須牢記的是,在試圖賺錢的時候,不要失去你的原則。

  • your savings.

    你的儲蓄。

  • What's the point of getting a 20 percent rate of return when the price of that crypto could

    獲得20%的回報率有什麼意義呢,因為該加密貨幣的價格可能會

  • go to zero?

    歸零?

  • It actually happened.

    它真的發生了。

  • That also applies to peer-to-peer lending.

    這也適用於點對點借貸。

  • Your sibling might promise you a higher interest rate, but good luck even getting your principal

    你的兄弟姐妹可能會向你承諾更高的利率,但祝你好運,甚至可以得到你的本金。

  • back.

    背面。

  • As a wise man once said: if you lend money to a friend, you will either lose the money

    正如一位智者所言:如果你把錢借給朋友,你要麼會失去這筆錢

  • or gain an enemy.

    或獲得一個敵人。

  • Despite the importance of saving money, it isn't always the right strategy for financial

    儘管省錢很重要,但這並不總是正確的財務戰略。

  • independence.

    獨立。

  • How many people do you know became financially independent, flipping coupons and saving every

    你知道有多少人通過翻閱優惠券和節省每一分錢而變得經濟獨立。

  • penny possible?

    有可能嗎?

  • Don't get me wrong.

    不要誤會我的意思。

  • I am a passionate supporter of the FIRE movement, and I do save the vast majority of my income,

    我是FIRE運動的熱情支持者,而且我確實把絕大部分的收入都存起來了。

  • but there is only so much you can save.

    但你能省下的只有這麼多。

  • There is a limit that you can't cross.

    有一個極限,你不能跨越。

  • As a human, you need to spend some money to cover your basic necessities, so focus on

    作為一個人,你需要花一些錢來支付你的基本生活費用,所以要關注

  • increasing your income rather than just saving.

    增加你的收入,而不僅僅是儲蓄。

  • In fact, sometimes saving money can do more harm than good.

    事實上,有時省錢可能弊大於利。

  • Buying low-quality food, for example, will damage your health over time and reduce your

    例如,購買低質量的食物,隨著時間的推移,會損害你的健康,減少你的

  • life expectancy.

    預期壽命。

  • So all that money you save but won't be able to spend throughout your lifetime is money

    是以,你省下的那些錢,但在你的一生中都無法花掉,這就是錢。

  • wasted.

    浪費了。

  • Sometimes when we are so desperately trying to chase money that we forget the very purpose

    有時,當我們如此拼命地追逐金錢時,卻忘記了自己的目的。

  • of money.

    的錢。

  • Money is not the goal.

    錢不是目的。

  • Working hard just to have more money is not going to make you live forever, and it's not

    僅僅為了擁有更多的錢而努力工作並不能使你長生不老,也不是

  • a fulfilling job.

    一個令人滿意的工作。

  • Money is a tool to achieve more meaningful goals, such as a better quality of life for

    金錢是實現更有意義的目標的工具,比如說,更好的生活品質,為

  • your and your family.

    你和你的家人。

  • To have the financial freedom to do what inspires you, and the list goes on and on.

    擁有財務自由來做激發你的事情,這樣的例子不勝枚舉。

  • Every hour you spend earning money is an hour you could have spent doing other things that

    你花在賺錢上的每一個小時,都是你可以用來做其他事情的時間。

  • make you happier.

    讓你更快樂。

  • Of course, if what you're doing is both earning you money and making you happy, then you are

    當然,如果你所做的事情既能為你掙錢,又能讓你快樂,那麼你就是

  • a lucky person, but that's not usually the case for most people.

    一個幸運的人,但對大多數人來說通常不是這樣的。

  • Does that mean you should stop saving money?

    這是否意味著你應該停止省錢?

  • Not really!

    並非如此!

  • Whether the inflation rate is 3 or 4 percent.

    無論通貨膨脹率是3%還是4%。

  • You always need to have an emergency fund.

    你總是需要有一個應急基金。

  • Something always goes wrong, no matter how perfectly you plan.

    無論你的計劃多麼完美,總會出錯。

  • Of course, you can use your credit card, but paying a 25 percent interest on your credit

    當然,你可以使用你的信用卡,但要為你的信用卡支付25%的利息。

  • card is the first financial mistake you should avoid at all costs.

    卡是你應該不惜一切代價避免的第一個金融錯誤。

  • If your emergency fund is enough to keep you alive for a year at least should something

    如果你的應急基金足以讓你生存一年,至少應該有一些東西

  • go wrong, you should be fine.

    出了問題,你應該會沒事的。

  • The rest, if you are young, invest it aggressively to rip the rewards of compound interest.

    其餘的,如果你還年輕,就積極地投資,以獲取複利的回報。

  • I know that 20 or 30 years looks like a really long time, but it's going to happen a lot

    我知道20或30年看起來真的很長,但它會發生很多事情

  • sooner than you imagine.

    比你想象的更快。

  • But where should you invest your money?

    但你應該把錢投資在哪裡?

  • Investing today is easier than ever.

    今天的投資比以往更容易。

  • You have the real estate, the bond market, crypto, or the stock market.

    你有房地產,債券市場,加密貨幣,或股票市場。

  • But before you start investing in the stock market, you have to understand the basics

    但在你開始投資股市之前,你必須瞭解基礎知識

  • of the stock market.

    的股票市場。

  • You have to learn how to read financial statements, analyze companies, and read between the lines.

    你必須學會如何閱讀財務報表,分析公司,並閱讀字裡行間。

  • That's why I created a short, animated course on Skillshare that will teach you everything

    這就是為什麼我在Skillshare上創建了一個簡短的動畫課程,將教會你一切

  • you need to learn about the stock market.

    你需要了解股票市場。

  • The entire course is animated from top to bottom and explained so simply that even if

    整個課程從上到下都是動畫,解釋得非常簡單,即使是

  • you know nothing about the stock market, you will become an expert, the first 100 of you

    你對股票市場一無所知,你將成為專家,你的前100個

  • to use the link in the description will get a two weeks of Skillshare premium and will

    使用描述中的鏈接將獲得兩週的Skillshare溢價,並將

  • be able to watch the course for free.

    能夠免費觀看該課程。

  • At the end of the course, there will be an assignment that you have to complete, and

    在課程結束時,將有一項你必須完成的作業,並且

  • I will personally check your assignment and provide you with feedback.

    我將親自檢查你的作業並向你提供反饋。

  • 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。

There are two types of money problems.

有兩種類型的金錢問題。

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A2 初級 中文 儲蓄 銀行 財務 投資 利息 省錢

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

  • 33 2
    Summer 發佈於 2021 年 09 月 18 日
影片單字