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  • 94% of millionaires spend less than they makeBecause the only way to build wealth is through  

    94%的百萬富翁花的錢比他們賺的錢少。 因為積累財富的唯一途徑是通過

  • saving and investing, at least to the point  where your investments can cover your bills.  

    儲蓄和投資,至少要達到你的投資可以支付賬單的程度。

  • That's the moment when you can call yourself  financially independent. Because at that point,  

    那是你可以稱自己經濟獨立的時刻。因為在那個時候

  • you are no longer accountable to anyone. Whether  you keep your job or quiet, you can still keep the  

    你不再對任何人負責了。無論你是保持工作還是安靜,你仍然可以保持

  • bill collectors far away from your doors.  
 

    收賬員遠離你的門。

  • But the only way to reach that position is through  carefully managing your money. Just ask yourself,  

    但達到這個位置的唯一方法是通過仔細管理你的錢。只要問問你自己。

  • how much money has gone through your hands?  I don't just mean physically but through  

    有多少錢經過你的手了? 我不只是指身體上的,而是通過

  • your bank accounts. How much have you  received throughout your entire life

    你的銀行賬戶。在你的整個人生中,你收到了多少錢?

  • A lot. Now the next question is: how much  

    很多。現在,下一個問題是:有多少

  • is left in your hands? 
 

    留在你手中的是什麼?

  • Probably not much, right? 
 

    可能不多,對嗎?

  • You have spent the vast majority of that  money. Most of it has been spent on your  

    你已經花掉了這些錢的絕大部分。其中大部分已經花在你的

  • basic necessities, but a big chunk of it was  wasted on stuff that doesn't really matter. They  

    基本必需品,但其中很大一部分被浪費在並不重要的東西上。他們

  • probably didn't bring any value into your life.  I understand you because I have gone through the  

    可能並沒有給你的生活帶來任何價值。 我理解你,因為我已經經歷了

  • exact same thing. I have wasted a lot of money on  unnecessary things. If I would go back in time and  

    完全相同的事情。我已經在不必要的東西上浪費了很多錢。如果我能夠回到過去,並且

  • manage my money a little more effectively, I would  have become financially independent way sooner, so  

    如果能更有效地管理我的錢,我就能更早地實現經濟獨立,所以

  • here are the 7 things I regret wasting money on or  seven things that I will probably never buy again

    以下是我後悔浪費錢的7件事,或者我可能永遠不會再買的7件事。

  • If you are ready, give this video  a thumbs up, and let's dive in

    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。

  • Cars  

    汽車

  • If you have ever owned a car, you probably know  how expensive it is to have a car. In fact,  

    如果你曾經擁有過一輛車,你可能知道擁有一輛車是多麼昂貴。事實上。

  • a lot of people who drive don't know  exactly how much their car costs

    很多開車的人都不知道他們的車到底有多少錢。

  • The average monthly payment on a new car  was $575 in 2020. But that's far from the  

    2020年,新車的平均月付款為575美元。但這遠遠不是

  • true cost of owning a car. That's just your  monthly payments without taking into account  

    擁有一輛汽車的真正成本。這只是你的月供,沒有考慮到

  • insurance, gas, and especially maintenance. 
 

    保險、汽油,特別是維修。

  • What I also realized when I got my first car was  how often I began to drive. I started driving  

    當我得到我的第一輛車時,我還意識到的是我開始經常開車。我開始開車

  • everywhere, even when it wasn't necessary. Gas is not cheap, and being stuck in traffic  

    到處都是,即使在沒有必要的時候。汽油並不便宜,而且被堵在路上

  • every day can cost a fortune. Most people don't  realize that because most people don't pay  

    每一天都會花費一大筆錢。大多數人沒有意識到這一點,因為大多數人沒有支付

  • attention to that. 
 

    注意到這一點。

  • Just a little disclaimer, if you are living  somewhere where public transport is not an option,  

    只是一個小小的免責聲明,如果你居住的地方沒有公共交通可供選擇。

  • where you have to take your kids to  school, where a car is absolute necessity,  

    你必須送你的孩子去學校,在那裡汽車是絕對必要的。

  • then you probably need one, but  if you are single, for gods sake,  

    那麼你可能需要一個,但如果你是單身,看在上帝的份上。

  • save that money and invest  it. You will thank me later

    保存這些錢並進行投資。你以後會感謝我的。

  • 
 2. Pricey personal care products

    2.價格昂貴的個人護理產品

  • I am the type of guy that loves taking care  of himself. Not to the extreme, of course,  

    我是那種喜歡照顧自己的人。當然,沒有達到極端的程度。

  • but looking good is on my list of priorities. I  tried multiple skincare products, from a Scrub  

    但看起來不錯是我的優先事項之一。我嘗試了多種護膚品,從磨砂膏

  • to a Wash to a moisturizer. And after using  multiple products, I have realized how overpriced  

    到洗面乳到保溼霜。在使用多種產品後,我意識到價格是多麼昂貴。

  • these products are. 
 

    這些產品是。

  • Number 1, most of them are pretty much the sameThey are produced in the same factories in china  

    第一,它們中的大多數都是差不多的。 它們都是在中國的同一工廠生產的

  • but are sold under different brands based  on how popular they are there. The ones  

    但根據它們在那裡的受歡迎程度,以不同的品牌進行銷售。那些

  • that cost 20 dollars are not that different  from 100 dollar ones. The beauty industry has  

    價值20美元的產品與100美元的產品沒有什麼不同。美容行業有

  • literally the highest possible margins in the  entire world, so don't let these companies fool  

    從字面上看,這是整個世界上最高的利潤率,所以不要讓這些公司欺騙你。

  • you to pay 100 dollars for something that  you can get for a fraction of that price

    你支付100美元的東西,你可以用這個價格的一小部分得到。

  • 
 3.  

    3.

  • Spending money on impressing people  
 Back when I was in school, my self-esteem  

    把錢花在討好別人上 早在我上學的時候,我的自尊心

  • was really low because I was doing poorly in  school, but as social creatures, we want to be  

    真的很低,因為我在學校表現很差,但作為社會動物,我們希望成為

  • respected by the people around us. We want to  be valued because we have so many insecurities.  

    被我們周圍的人尊重。我們希望得到重視,因為我們有太多的不安全感。

  • And often, when we don't know how to solve  these insecurities, so we spend money to  

    而很多時候,當我們不知道如何解決這些不安全感時,於是我們花錢去

  • show everyone that we are as good as them. Why do you think people buy Rolex watches.  

    向大家展示我們和他們一樣優秀。你認為人們為什麼買勞力士手錶。

  • Let's be honest, a Rolex watch is literally  solving one problem, which is telling the time,  

    說實話,勞力士手錶實際上是在解決一個問題,那就是看時間。

  • but even Rolex holders often use their  phones to take a look at the time.  

    但即使是勞力士持有者也經常用手機看一下時間。

  • But people still spend dozens of thousands of  dollars on them because they have successfully  

    但人們仍然花費數萬美元購買它們,因為它們已經成功地

  • branded themselves as a luxuries brand that is  worn by famous people like Cristiano Ronaldo,  

    將自己打造成一個奢侈品品牌,像克里斯蒂亞諾-羅納爾多這樣的名人都會穿這個品牌。

  • Tiger Woods, or some Hollywood actors. So we buy  them to send a message to people that - look guys,  

    泰格-伍茲,或一些好萊塢演員。是以,我們購買它們是為了向人們傳遞一個資訊--看,夥計們。

  • I make a lot of money. I can afford a Rolex. Most  people buy that kind of watch to impress people,  

    我賺了很多錢。我可以買得起勞力士。大多數人買那種表是為了給人留下好印象。

  • which is not a problem if you can easily afford  that. But if you barely can afford a BMW,  

    如果你能輕易買得起,這不是問題。但如果你勉強能買得起一輛寶馬。

  • but you still decide to buy it, then you have just  thrown yourself into a huge financial problem

    但你仍然決定購買它,那麼你剛剛把自己扔進一個巨大的財務問題。

  • I gotta admit, I did it a few times, but  the reality is, people don't care. Yes, they  

    我得承認,我做過幾次,但現實是,人們並不關心。是的,他們

  • might say - WOW, but that's the end of it. They  won't respect you more or value you. If you have  

    可能會說--哇,但這就是結局。他們不會更加尊重你或重視你。如果你有

  • insecurities, you have to face them and solve them  and not simply try to hide behind expensive toys.  

    不安全感,你必須面對它們並解決它們,而不是簡單地試圖躲在昂貴的玩具後面。

  • 
 4. Investments I am not sure about
 

    4.我不確定的投資

  • In my almost eight years of experience in  the stock market, I had tried everything,  

    在我近八年的股市經驗中,我什麼都試過了。

  • especially when I started. When you know just  a little bit about something, it feels like  

    特別是當我開始的時候。當你對某件事情只知道一點點的時候,感覺就像

  • you have figured it out all only to find out how  little you know. So I invested in companies that  

    你已經想通了,卻發現自己知道的太少。所以我投資的公司

  • I barely knew what they were doing. Sometimes  I was lucky, which boosted my confidence,  

    我幾乎不知道他們在做什麼。有時我很幸運,這增強了我的信心。

  • but other times, the stock just went  down dramatically in the next few weeks

    但其他時候,股票只是在接下來的幾周內急劇下降。

  • I have tried following famous investors, but that  also ends up badly. I remember when I just got  

    我曾試著跟隨著名的投資者,但結果也很糟糕。我記得當我剛剛得到

  • into real estate, after reading books, watching  other people, I thought I knew what I was doing,  

    進入房地產行業後,在閱讀書籍、觀察其他人後,我認為我知道自己在做什麼。

  • but I lucked experience, so I ended  up getting in a few bad deals

    但我的經驗很幸運,所以我最終進入了一些不好的交易。

  • So one thing I will never spend another penny on  is investments, I am not sure. I would rather let  

    是以,有一件事我永遠不會再花一分錢,就是投資,我不確定。我寧願讓

  • my money slowly be burnt by inflation and wait  for the right opportunity than just lose it all.  

    我的錢慢慢被通貨膨脹燒掉,等待合適的機會,而不是把它全部輸掉。

  • Warren buffets the first rule of money, which  is - don't lose money. When I came across that  

    沃倫-巴菲特(Warren buffets)的第一條賺錢法則,即--不要虧錢。當我看到這句話時

  • advice many years ago, back when I just started,  I thought he was fooling around because it's so  

    多年前的建議,在我剛開始的時候,我以為他在胡鬧,因為它是如此的

  • obvious, but when you get into the world  of investing, losing money becomes so easy  

    很明顯,但當你進入投資世界時,輸錢變得如此容易

  • that sometimes you don't even realize how the  money you barely saved in the last few months  

    有時你甚至沒有意識到,你在過去幾個月裡勉強攢下的錢是如何實現的。

  • suddenly disappeared.  
 

    突然消失了。

  • 5. extended warranties  
 

    5.延長保修期

  • One of the useless things you can ever spend money  on is extended warranties. Let me ask you a simple  

    你可以花錢買到的無用的東西之一是延長保修期。讓我問你一個簡單的問題

  • question - how often do you use warranties? It  doesn't matter what kind of warranty it is. Even  

    問題--你多長時間使用一次質保?是什麼樣的保證並不重要。甚至

  • if it breaks down, you usually just forget about  it because it just doesn't worth the time to go  

    如果它壞了,你通常只是忘記它,因為它不值得花時間去做。

  • back to the store, stay in line, spend a ton  of time just to figure out if you can fix it.  

    回到商店,排隊等候,花費大量的時間來弄清楚你是否可以修復它。

  • On top of that, they will tell you that - the  warranty doesn't cover this kind of damages,  

    除此之外,他們會告訴你--保修不包括這種損害。

  • but it provides you with a 30 percent discount  which will end up costing half the price of that  

    但它為你提供了30%的折扣,最終將花費該價格的一半。

  • thing you have purchased.  
 

    你所購買的東西。

  • Or what I like the most is when you are  buying something that has a 1-year warranty,  

    或者我最喜歡的是,當你買的東西有1年的保修期。

  • and they offer an extended extra year  warranty. It sounds reasonable to get it,  

    而且他們提供額外的一年保修。這聽起來很合理,可以得到它。

  • if something goes wrong, you can always come  back, and they will fix your washing machine,  

    如果出了問題,你可以隨時回來,他們會修理你的洗衣機。

  • but the reality is that if that washing  machine perfectly worked for an entire year,  

    但現實是,如果那臺洗衣機完美地工作了一整年。

  • then it probably doesn't have any factory damages  that your warranty can cover. Any other damages  

    那麼它可能沒有任何你的保修範圍內的工廠損壞。任何其他損害

  • that the machine is going to have are most likely  not covered by that extended warranty. That's one  

    該機器將有的問題很可能不在延長保修範圍內。這就是一個

  • of the ways stores make fortunes because it sounds  like a good financial decision to pay an extra  

    商店發財的方法之一,因為聽起來是一個很好的財務決定,要多付一筆錢。

  • 50 or 100 bucks and get an extra 2-year warranty.  
 

    50或100美元,並得到一個額外的2年保修。

  • 6. Energy drinks 
 

    6.能量飲料

  • As a former fan of energy drinks, it wasn't easy  to stop drinking energy drinks. I got addicted  

    作為一個曾經的能量飲料愛好者,停止飲用能量飲料並不容易。我迷上了

  • at some point since I was drinking a couple of  energy drinks a day, but then when I found out  

    在某些時候,因為我每天喝幾杯能量飲料,但後來當我發現

  • how unhealthy and useless these drinks are, I did  everything possible to get rid of that addiction.  

    這些飲料是多麼的不健康和無用,我盡一切可能擺脫這種癮。

  • How much do you think a 4 dollar  red bull costs to produce?  

    你認為一杯4美元的紅牛的生產成本是多少?

  • Let's put aside marketing, R&D, and the rest. It costs around 20 cents to produce that  

    讓我們把營銷、研發和其他方面放在一邊。生產這一產品的成本約為20美分

  • energy drink since its water is mixed with  caffeine and many unhealthy ingredients  

    能量飲料,因為其水中混有咖啡因和許多不健康的成分

  • that cost nothing, like 50 grams of sugarThe only reason they cost so much is that they  

    不花錢的,如50克的糖。 他們花費這麼多錢的唯一原因是,他們

  • spend billions on marketing, paying celebrities  to endorse their products, and on top of that,  

    在營銷上花費數十億美元,支付名人為其產品代言,除此之外。

  • they make around 50 percent profit on every can  sold. So energy drinks are one of the best ways  

    他們每賣出一罐就能獲得約50%的利潤。是以,能量飲料是最好的方法之一

  • to waste money and destroy your health. 
 

    浪費金錢和破壞你的健康。

  • 7. Useless online courses 
 

    7.無用的在線課程

  • Let me be clear about online courses. I am  at the same time both a big fan of online  

    讓我明確一下在線課程。我同時也是在線課程的忠實粉絲。

  • courses because I do spend money on these  courses since if I want to learn something,  

    課程,因為我確實在這些課程上花了錢,因為如果我想學習一些東西。

  • I would rather spend 50, 100, or even 200 dollars  on a course instead of repeating the same mistakes  

    我寧願花50、100、甚至200美元買一個課程,而不是重複同樣的錯誤。

  • that others have done and waste my time. In my humble opinion, online courses are  

    別人所做的,浪費我的時間。以我的愚見,在線課程是

  • one of the best inventions of the internet because  you can learn any skill for a few hundred dollars,  

    互聯網的最佳發明之一,因為你可以用幾百美元學習任何技能。

  • but many people have misused this tool  by creating worthless online courses  

    但許多人濫用這一工具,創建毫無價值的在線課程。

  • and selling them for astronomical prices where you  literally learn nothing more than what you can get  

    並以天文數字的價格出售,在那裡你實際上只學到了你能得到的東西。

  • from a simple YouTube video. Over the last seven years,  

    從一個簡單的YouTube視頻。在過去的七年裡。

  • I have spent thousands of dollars on online  courses to save myself time, so I can confidently  

    我已經花了數千美元購買在線課程,以節省自己的時間,所以我可以自信地

  • say that there are a lot of useless courses. Before you buy any course, make sure you do  

    說,有很多無用的課程。在你購買任何課程之前,請確保你做到

  • your research. I have made an entire video about  online courses. Go and check it out if you want  

    你的研究。我做了一個關於在線課程的完整視頻。如果你想的話,就去看看吧

  • to learn more. 
 

    以瞭解更多資訊。

  • But if the course provides you with valuable  content and it's fully animated, short, straight  

    但是,如果該課程為你提供了有價值的內容,並且是完全動畫化的、短小的、直接的

  • to the point like this course on the stock marketthen it is worth every dollar you pay for it

    像這門關於股市的課程一樣,那麼它就值得你為它支付每一塊錢。

  • Not because I have created this course, but it's  literally the course that will teach you the  

    不是因為我創造了這門課程,而是這門課程簡直就是教你

  • basics of the stock market and will help to learn  how to analyze companies in order to make better  

    證券市場的基礎知識,並將幫助學習如何分析公司,以便做出更好的決定。

  • investing decisions. And the best  part of it is that it's on Skillshare,  

    投資決策。而它最好的部分是,它是在Skillshare上。

  • and the first 100 of you can get it for  free if you use the link in the description

    如果你使用描述中的鏈接,前100人可以免費得到它。

  • If you have enjoyed this video, don't forget  

    如果你喜歡這個視頻,別忘了

  • to give it a thumbs up, that will really help the  channel and will cost you nothing. Don't forget to  

    給它一個大拇指,這將真正幫助該頻道,而且不花一分錢。不要忘了

  • check out our second channel called bloom. And if you are new around here then  

    請查看我們的第二個頻道,名為 "綻放"。如果你是這裡的新人,那麼

  • subscribe, we would love to see here. Thanks for watching and until next time

    訂閱,我們很想在這裡看到。謝謝你的觀看,直到下一次。

94% of millionaires spend less than they makeBecause the only way to build wealth is through  

94%的百萬富翁花的錢比他們賺的錢少。 因為積累財富的唯一途徑是通過

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我永遠不會再花錢買的7樣東西 (7 Things I Will NEVER Spend Money On Again)

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    Summer 發佈於 2021 年 09 月 24 日
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