The idea behind it was simple.

它背後的想法很簡單。

It would be a social media app that with a small twist, it would allow its users to post photos and videos that disappeared from the site after a few moments, it wasn't clear how anyone would find that valuable, but school kids quickly found a use for it as they could post the dirty things they do in school, since it would disappear anyway.

這將是一個社交媒體應用程序，有一個小的轉折，它將允許其用戶發佈照片和視頻，這些照片和視頻在片刻之後就會從網站上消失，不清楚怎麼會有人覺得這有價值，但學校的孩子們很快就發現了它的用途，因為他們可以發佈他們在學校做的骯髒事情，因為無論如何它都會消失。

The next day the app went viral.

第二天，這個應用程序就開始流行起來。

The company grew way faster than the founders expected In less than four years.

在不到四年的時間裡，公司的發展速度遠遠超過了創始人的預期。

The company's valuation crossed a few billion dollars, turning its founders, Evan Spiegel and Bobby Murphy into billionaires at just 25 years old, Evan Spiegel became a billionaire.

該公司的估值跨越了幾十億美元，使其創始人埃文-斯皮格爾和鮑比-墨菲成為億萬富翁，年僅25歲的埃文-斯皮格爾成為億萬富翁。

He's not alone in that category of People.

在這一類人中，他並不孤單。

Mark Zuckerberg, Bill Gates and others like them have a messed massive fortunes at such an early age.

馬克-扎克伯格、比爾-蓋茨和其他像他們一樣的人在如此年輕的時候就擁有了混亂的巨大財富。

Since then Snapchat started award with Facebook and surprisingly did not lose.

從那時起，Snapchat開始與Facebook進行獎勵，而且出人意料地沒有輸。

So the company's stock price grew dramatically raising spindles network to $15 billion Facebook's massive size, it has also doubled its stock price since then.

是以，該公司的股價急劇增長，將spindles網絡提高到150億美元 Facebook的龐大規模，它的股價也從那時起翻了一番。

Hence the true beneficiaries of this war we're investors who invested in both Snapchat and facebook.

是以，這場戰爭的真正受益者是投資於Snapchat和Facebook的投資者。

But the problem is that around half of americans don't own a single stock, which means around half of americans are missing the opportunity to benefit from the stock market's rise.

但問題是，大約一半的美國人不擁有一隻股票，這意味著大約一半的美國人錯過了從股市上漲中獲益的機會。

Of course, there are other investing tools out there from bones to real estate.

當然，還有其他投資工具，從骨頭到房地產。

But bone rates are so low that you will end up losing money in the long run since inflation would wipe out any potential gains you will make.

但骨子裡的利率是如此之低，以至於從長遠來看，你最終會虧損，因為通貨膨脹會抹去你將獲得的任何潛在收益。

On the other hand, with real estate comes a lot of responsibilities and risks and it often takes a lot of time for anyone to get into real estate since it requires a lot of capital, which makes the stock market even more appealing.

另一方面，房地產伴隨著很多責任和風險，任何人進入房地產往往需要很多時間，因為它需要大量資本，這使得股票市場更有吸引力。

But what most people don't understand is that Your investing strategy should highly depend on.

但大多數人不明白的是，你的投資策略應高度依賴。

How old are you?

你多大了？

A 14 year old should not invest like a 20 year old.

一個14歲的孩子不應該像20歲的人那樣投資。

So let's try to find out how much you should invest by every age.

是以，讓我們試著找出每個年齡段你應該投資多少錢。

So give this video a thumbs up and let's dive in.

是以，請為這段視頻豎起大拇指，讓我們深入瞭解一下。

In order to find out how much you should invest.

為了弄清你應該投資多少錢。

First you have to find out your network, calculating your network isn't really difficult.

首先，你必須找出你的網絡，計算你的網絡其實並不難。

It's much easier than you might think.

這比你可能想象的要容易得多。

Take a piece of paper, draw a line in the middle of it on one side, you have to adapt the total value of your assets.

拿一張紙，在它的一邊中間畫一條線，你必須適應你的資產的總價值。

This includes the current market value of your investment accounts.

這包括你的投資賬戶的當前市場價值。

If you have one of course retirement savings homes, cars, trucks, valuable things like jewelry and the cash value of your checking and savings account.

如果你有一個當然的退休儲蓄房，汽車，卡車，有價值的東西，如珠寶和你的支票和儲蓄賬戶的現金價值。

On the other hand, write down your liabilities.

另一方面，寫下你的負債。

This include your mortgage, car loans, student loans, personal loans, credit card debt, 300 bucks you owe to your body and any other form of debt you might own and now finally subtracting liabilities from your assets.

這包括你的抵押貸款、汽車貸款、學生貸款、個人貸款、信用卡債務、你欠身體的300塊錢以及你可能擁有的任何其他形式的債務，現在最後從你的資產中減去負債。

The total cost is considered your personal network.

總費用被認為是你的個人網絡。

Your total could result in positive network or negative.

你的總數可能導致正數網絡或負數。

If you're in a negative network category, don't be afraid.

如果你處於負面網絡類別，不要害怕。

It's all right.

這一切都很好。

It's typical for people who are early in their careers to have a lower negative network if they have student loans or our new home owners or just starting to save for their future.

如果有學生貸款或我們的新房主或剛開始為自己的未來儲蓄，那麼處於職業生涯早期的人就會有較低的負面網絡，這很典型。

If you're in your twenties and have zero in savings congrats, you're not doing bad.

如果你在20多歲時，儲蓄為零，恭喜你，你做得還不錯。

I'm not kidding.

我不是在開玩笑。

It's fine not to have any savings at this point in your life.

在你人生的這個階段，沒有任何積蓄也沒關係。

Let's face it.

讓我們面對它。

If you're in college and have student, that's your part time job would hardly cover your bills, leave alone paying your debts.

如果你在大學裡有學生，那你的兼職工作就很難支付你的賬單，更不用說支付你的債務。

So Don't worry.

所以不要擔心。

Most 20 year olds have a negative network In your 20's.

大多數20歲的人都有一個負面的網絡 在你20歲的時候。

Your job should be getting rid of unnecessary debt and sorting out your finances.

你的工作應該是擺脫不必要的債務，理清你的財務狀況。

I'm not talking about mortgage if you have one, but rather credit card debts card debts or a student loan because over time these debts will compound and each year the amount is going to grow bigger and bigger.

我說的不是抵押貸款，如果你有的話，而是信用卡債務卡債務或學生貸款，因為隨著時間的推移，這些債務將複利，每年的數額都會越來越大。

If you're going to leave it, you might just never get financially free.

如果你要離開它，你可能就永遠無法獲得財務自由。

So only interest on your debt will be so high that you won't be able to cover it.

是以，只有債務的利息會很高，以至於你無法支付。

Don't invest any money if you have such debts, But the moment you get rid of these debts, your first priority should be to invest as much as you can.

如果你有這樣的債務，就不要投資任何錢。但當你擺脫這些債務的時候，你的首要任務應該是儘可能多地投資。

This is the only period in your life where you can live frugally because later in your life you will have financial responsibilities that you cannot avoid.

這是你一生中唯一可以節儉生活的時期，因為在你以後的生活中，你將有無法避免的經濟責任。

As we have mentioned before, your debts can compound.

正如我們之前提到的，你的債務可能是複利。

So does your investments.

你的投資也是如此。

So the dollar that you invest in your twenties is worth far more than the dollar you invest in your 30s.

是以，你在20多歲時投資的一美元遠比你在30多歲時投資的一美元更有價值。

So invest the vast majority of your income at this period of your life.

是以，在你人生的這個時期，將你的絕大部分收入進行投資。

When you approach your thirties and you want to be doing at least good enough, you should have at least saved six months of your income as an emergency fund.

當你接近三十歲時，你想至少做得足夠好，你應該至少存下六個月的收入作為應急基金。

If we take the average household income then that's almost $31,000.

如果我們採取平均家庭收入，那麼這幾乎是31,000美元。

But if you want to be doing better than your average boy then you should have at least a year of your income saved in your account, emergencies happen.

但如果你想比你的普通男孩做得更好，那麼你應該在你的賬戶中至少保存一年的收入，緊急情況會發生。

Sometimes they even lead to bankruptcies.

有時它們甚至導致破產。

Hundreds of thousands of people filed for bankruptcy due to unexpected bills.

數十萬人因意外賬單而申請破產。

So be careful when it comes to your network.

是以，在涉及到你的網絡時要小心。

According to the Fed.

根據美聯儲的說法。

The average network for families in the U.

在美國，家庭的平均網絡。

S.

S.

Under the age of 35 as of 2016 was $76,000.

截至2016年，35歲以下是76,000美元。

But this number isn't accurate because a small percentage of wealthy Americans skewed it, that's why the median is much lower at an $11,100.

但這個數字並不準確，因為一小部分富有的美國人歪曲了它，這就是為什麼中位數要低得多，只有11,100美元。

That's not hard to achieve.

這並不難實現。

The reason that this number is so low is that even though average adults have assets like a house in the car, their student loans and the mortgage would overshadow them.

這個數字如此之低的原因是，即使普通成年人有汽車房子等資產，但他們的學生貸款和抵押貸款會讓他們黯然失色。

So don't worry as you begin to cover your student loan and your mortgage, your network will quickly build up At this age, it's usually difficult to save money because people often have families, sometimes kids.

所以不要擔心，當你開始支付學生貸款和抵押貸款時，你的網絡會很快建立起來 在這個年齡段，通常很難存錢，因為人們往往有家庭，有時還有孩子。

So people usually live paycheck to paycheck at this point, if you can even save 10-20% of your income to invest, then you will be doing great as you start hitting the 40s, Ideally you should have saved at least three times your income.

是以，人們在這個時候通常都是靠工資生活，如果你甚至能把收入的10-20%存起來進行投資，那麼在你開始進入40歲時，你就會做得很好，理想情況下，你應該至少存到你收入的三倍。

If you're earning $100,000, then your number is $300,000.

如果你的收入是100,000美元，那麼你的數字就是300,000美元。

But that's unrealistic for most people.

但這對大多數人來說是不現實的。

In fact, according to the Fed, the median income of 40 year old is a little below $60,000.

事實上，根據美聯儲的數據，40歲的人的收入中位數略低於60,000美元。

Usually, people have families and lots of bills to cover at this stage of their lives.

通常情況下，人們在人生的這個階段有家庭和很多賬單需要支付。

Taking care of a child.

照顧一個孩子。

Family isn't easy, especially when your Children begin to grow.

家庭並不容易，特別是當你的孩子開始成長時。

If you have started investing back in your twenties, you will have at least something to fall on at this age.

如果你在20多歲時就開始投資，那麼你在這個年齡段至少會有一些依託。

But if you didn't, then you're naked, probably want to be able to reap the rewards of compound interest since compound interest works with time.

但如果你沒有，那麼你就赤裸裸地，可能希望能夠獲得複利的回報，因為複利是隨著時間的推移而發揮作用的。

So this is the time where it's better to focus more on individual stocks and not an index funds.

是以，這個時候最好多關注個別股票而不是指數基金。

But make sure you don't touch your emergency fund.

但要確保你不碰你的應急基金。

Since the stock market is unpredictable.

由於股票市場是不可預測的。

You only win in the long run.

你只有在長期的情況下才會贏。

Do not invest any money you might need in the next year or two Invest only which you can afford to lose.

不要投資你在未來一兩年內可能需要的任何錢 只投資你能承受損失的錢。

As you approach your 50s, your network should be significantly higher because you're also getting closer to retirement age and if you want to have a good retirement, you have to prepare for it.

當你接近50歲時，你的網絡應該大大增加，因為你也越來越接近退休年齡，如果你想有一個好的退休生活，你必須為它做準備。

The median network of 50 year olds is $124,000.

50歲的人的網絡中位數是124,000美元。

But keep in mind that it's the median, The average is $727,000, which is much much higher and your savings should be five times your annual income.

但請記住，這是中位數，平均數是727,000美元，這要高得多，你的儲蓄應該是你年收入的五倍。

It might seem unrealistic to reach these numbers, but to be honest, even saving a small portion of your income over 30 years is enough.

要達到這些數字似乎是不現實的，但說實話，即使是在30年內將收入的一小部分儲蓄起來也足夠了。

And if you started investing early on it is easily going to adopt u to the power of compounding.

如果你很早就開始投資，它很容易就會採用u複利的力量。

Keep in mind that you don't necessarily have to follow these numbers.

請記住，你不一定要遵循這些數字。

You can work a little harder and retire in your 30s, possibilities are beyond what you might imagine.

你可以再努力一點，在30多歲時退休，可能性超出你的想象。

Some people start taking care of their money in their twenties, others in their forties, so do not directly compare yourself to anyone.

有些人在20多歲就開始打理自己的錢，有些人在40多歲就開始打理自己的錢，所以不要直接將自己與任何人進行比較。

Sometimes circumstances do not allow you to save in your early years.

有時，環境不允許你在早年的時候儲蓄。

So take a look at your circumstances and plan it accordingly and now it's your turn.

是以，看一看你的情況，並作出相應的計劃，現在輪到你了。

How old are you and how much you have invested?

你多大年紀，投資了多少錢？

Let me know in the comments below.

請在下面的評論中告訴我。

Don't forget to get your two free stocks from Weibo if you use the link in the description or check out my special course and skills here that will teach you how to invest in the stock market like those rich people do.

如果你使用描述中的鏈接，別忘了從微博上獲得兩支免費的股票，或者在這裡查看我的特別課程和技能，這將教你如何像那些富人一樣投資於股市。

And most importantly, give this video a thumbs up if you want to help us and subscribe if you're new around here.

最重要的是，如果你想幫助我們，請為這個視頻豎起大拇指，如果你是這裡的新人，請訂閱。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。

Mm hmm.

嗯，嗯。

Mhm.

嗯。

Mhm.

嗯。

Yeah.

是的。