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 same.  They 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 sugar.  The 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 market,  then 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。