understood the rank injustice of our money and banking system, there would be a revolution

瞭解我們的貨幣和銀行系統的不公正性，就會有一場革命。

by morning."

到了早上。"

That's what he said way before the federal reserve was creating because, since the creation

這是他在美聯儲創建之前就說過的話，因為，自從創建以來

of the fed, the banking system has changed dramatically and is favoring the rich even

在美聯儲的支持下，銀行系統已經發生了巨大的變化，甚至有利於富人。

more.

更多

The problem is that most people don't understand how the system works, they don't know how

問題是，大多數人不瞭解這個系統如何運作，他們不知道如何

the money is created, they don't know how the fed works, so only a small minority actually

他們不知道美聯儲是如何運作的，所以只有少數人真正知道美聯儲是如何創造貨幣的。

benefits from this system at the expense of others.

犧牲別人的利益，從這個系統中獲益。

Or as Henry Ford said "It is well enough that people of the nation do not understand our

或者正如亨利-福特所說："國家的人民不瞭解我們的情況就已經很好了。

banking and monetary system, for if they did, I believe there would be a revolution before

銀行和貨幣系統，因為如果他們這樣做了，我相信在這之前就會有一場革命。

tomorrow morning."

明天早上。"

So let's find out what exactly banks don't want you to know?

那麼，讓我們來看看銀行到底不想讓你知道什麼？

What are they hiding?

他們在隱藏什麼？

And what you should know to profit from the system.

以及你應該知道什麼才能從該系統中獲利。

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。

All money is debt
 One of the fascinating things about people

所有的錢都是債務 人們的一個迷人之處在於

is that, We spend our entire life looking for jobs,

是，我們一生都在尋找工作。

working hard, building up businesses, all in hopes of making more money.

努力工作，建立企業，都是為了賺更多的錢。

And yet, most of us don't really understand where does the money come from?

然而，我們大多數人並不真正瞭解錢從哪裡來？

Why does this piece of paper is money in the first place, and not something else!

為什麼這張紙首先是錢，而不是別的東西！？

Most importantly, it's a piece of paper with some pictures and numbers which means someone

最重要的是，它是一張帶有一些圖片和數字的紙，這意味著有人

out there is printing it!

外面的人正在印刷它!

It's certainly not growing on the trees or falling out of the sky!

它當然不是長在樹上或從天上掉下來的!

Before you click away because you think you know the answer, let me clarify that it's

在你認為自己知道答案而點擊離開之前，讓我澄清一下，這就是

not the government.

而不是政府。

In fact, the government is borrowing money exactly like you!

事實上，政府正在借錢，和你一模一樣!

And trust me, it's in much bigger debt than you could possibly imagine!

相信我，它的債務比你能想象的要大得多！"。

it sounds strange because if it's not the government who prints the money, then who

這聽起來很奇怪，因為如果不是政府在印錢，那麼是誰在印錢？

has the power to do that! 

有能力做到這一點!


 As always, the government needs to build bridges,

一如既往，政府需要搭建橋樑。

schools and hospitals in order to sustain the country but all of that requires money.

學校和醫院，以維持國家，但所有這些都需要錢。

In the past, it was simple, Gold and silver were money, so you either earn it, or borrow

在過去，這很簡單，黃金和白銀是錢，所以你要麼賺，要麼借。

it from someone else as a loan!

從別人那裡借來的!


 But in the modern world, it works in a different

但在現代世界，它的工作方式是不同的。

way.

辦法。

When the government needs money, it borrows it from the Federal Reserves as a loan with

當政府需要錢的時候，它從聯邦儲備局借錢，作為貸款，有

interest on it, and where does the federal reserve take the money.

它的利息，以及聯邦儲備局在哪裡拿錢。

It creates it out of ink and paper.

它從墨水和紙張中創造了它。


 Then the government uses that money to build

然後政府用這些錢來建造

schools, hospitals, and bridges, that's one of the ways how money gets into the economy.

學校、醫院和橋樑，這是資金進入經濟的方式之一。

The people who receive the money from the government deposit them in a bank, and then

從政府那裡收到錢的人把它們存入銀行，然後

the bank lends it to someone else, and that's how it spreads all around the world!

銀行把它借給別人，這就是它在全世界傳播的方式！"。


 But that's only how a small fraction of money

但這只是一小部分錢的作用。

is created.

被創建。

Around 95% of money is nothing but digits in the computers created by the banks.

大約95%的貨幣只不過是銀行創造的計算機中的數字而已。


 When you deposit your money into the bank,

當你把錢存入銀行的時候。

the bank doesn't simply keep your money in the safe but rather lends it to someone else

銀行不是簡單地把你的錢放在保險櫃裡，而是把它借給別人。

at higher interest because that's how banks make money.

以更高的利息，因為這就是銀行賺錢的方式。

But then, why does your bank account says that your money is still there in the bank

但是，為什麼你的銀行賬戶顯示你的錢還在銀行裡呢？

and you can take it out anytime you want! 

而且你可以隨時把它拿出來!

Because Banks are allowed to lend 90% of your deposited money and keep only 10 percent in

因為銀行被允許貸出你存款的90%，只保留10%的存款。

case you want some of your money back, at the same time, keep your account as if your

如果你想要回你的一些錢，與此同時，保持你的賬戶，就像你的

money is still there!

錢還在那裡!


 Let's say you deposit 100 dollars in the bank,

假設你在銀行存了100美元。

the bank will lend 90 dollars out of it, but at the same time, it will create another 90

銀行將從其中貸出90美元，但同時，它將創造出另外90美元。

to show you that your 100 dollars are still there in the bank!

讓你知道你的100美元還在銀行裡!

Then those 90 dollars will end up in another bank, and they will keep 10% of it and lend

然後，這90美元將在另一家銀行結束，他們將保留其中的10%，並將其貸出。

the rest, creating even more money! and so on and forth, until that 100 dollars that

其餘的，創造更多的錢！如此循環往復，直到那100美元的

were initially created will turn into a thousand dollars.

最初創建的時候，會變成一千美元。

If not more than that!

如果不比這更多的話!

That's how most of the money is created; that's why 95% of our money doesn't exist physically!

這就是大多數錢的創造方式；這就是為什麼我們95%的錢在物理上不存在！這就是為什麼我們的錢不存在。

And the strangest part of this system is that the money that was printed out in the first

而這個系統最奇怪的地方是，在第一年印出來的錢

place was given as a loan to the banks and the government.

地方被作為貸款給銀行和政府。

In other words, the government or the banks have to pay back more money than the amount

換句話說，政府或銀行必須償還的錢超過了

of money that exists in the system, which means that debt simply can never be paid back!

體系中存在的貨幣，這意味著債務根本無法償還！"。


 Let's say, for example, there isn't any money

比方說，沒有任何錢

in the system yet.

在系統中。

You go out there and ask the federal reserve (Fed) to loan you 10 dollars, it says sure,

你走出去，要求聯邦儲備局（Fed）貸款給你10美元，它說當然可以。

but you must pay it back with 10% interest, which means you have to pay back 11 dollars.

但你必須以10%的利息償還，這意味著你必須償還11美元。

Now the question is, where will you get the extra 1 dollar if only 10 dollars were created

現在的問題是，如果只創造了10美元，你將從哪裡獲得額外的1美元？

in the first place.

在第一時間。

The answer is Nowhere!

答案是 "不知道"。


  In short, we use these pieces of paper as

簡而言之，我們將這些紙片作為

money because we trust this system, but in reality, it's not really backed by anything,

錢，因為我們相信這個系統，但實際上，它並沒有真正得到任何東西的支持。

so invest your money in real assets such as stocks, Gold or real estate!

是以，將你的錢投資於真正的資產，如股票、黃金或房地產!

But the question is 


但問題是

2.

2.

Who owns the fed?

誰擁有美聯儲？


 To answer that question, we have to go back

要回答這個問題，我們必須回到

in time and find out how the fed was created in the first place. 

在時間上，找出美聯儲最初是如何創建的。

The United States wasn't always such a great financial power.

美國並不總是這樣一個偉大的金融大國。

Back in the 19th, it was a country of turmoil.

早在19世紀，它是一個動盪的國家。

The civil war almost destroyed the country, and the financial market wasn't working properly.

內戰幾乎摧毀了這個國家，而金融市場也沒有正常運作。

The US didn't even have a Central Bank to manage financial crises as many European countries

美國甚至沒有像許多歐洲國家那樣有一箇中央銀行來管理財政危機

did back then.

當年做的。

In 1906 one of the famous bankers wanted to make a fortune by pushing United Copper shares

1906年，一位著名的銀行家想通過推送聯合銅業的股票來發大財

to rise and force short sellers to buy his shares to exist their positions.

迫使賣空者購買他的股票以存在他們的頭寸。

But his plan backfired as the short sellers found a different source to buy United copper

但他的計劃適得其反，因為做空者找到了一個不同的來源來購買美聯航的銅。

shares.

股份。

That move bankrupted the company and multiple other banks.

這一舉措使該公司和其他多家銀行破產。

As the news of bankruptcy spread, depositors rushed to the banks to withdraw their savings.

隨著破產消息的傳播，儲戶們紛紛趕到銀行提取他們的儲蓄。

As the banks run out of cash, they stopped lending money to their depositors and went

隨著銀行的現金耗盡，他們停止向儲戶借錢，並去

bankrupt one after another.

一個接一個地破產。

The stock market crashed to an all-time low.

股市崩盤，創下歷史新低。

There wasn't a central bank back then to restore depositors' faith in the banks, so wall street

那時沒有中央銀行來恢復儲戶對銀行的信心，所以華爾街

turned to JP Morgan.

轉而求助於摩根大通。

He deposited a significant junk of his wealth into some of these banks to restore public

他將自己的大量財富存入其中一些銀行，以恢復公眾的信心。

faith in the banking system and convinced other wealthy bankers to do the same, and

對銀行系統的信心，並說服其他富有的銀行家也這樣做，並且

saved the economy from sliding into a crisis that god knows how long it would last.

拯救了經濟，使其免於滑入天知道會持續多久的危機。

That's when the US realized that it couldn't rely on the good faith of the bankers.

這時，美國意識到，它不能依靠銀行家的善意。

It had to create a central bank that would step in such circumstances.

它不得不建立一箇中央銀行，在這種情況下出面。

But it wasn't easy since it involved too many opposing parties, from politicians who represented

但這並不容易，因為它涉及到太多的對立面，從代表著的政治家

their people to wall street bankers to other wealthy individuals.

他們的人到華爾街銀行家到其他富人。

Over a hundred wealthiest Americans met in Jekyll Island in Georgia and decided how the

一百多名最富有的美國人在喬治亞州的傑基爾島開會，決定如何

fed was going to work, and in 1913, the fed was finally created. 

1913年，美聯儲終於成立了。

But it's not just one bank.

但這不僅僅是一家銀行。

It consists of 12 banks that are spread across the country.

它由遍佈全國的12家銀行組成。

And each bank is required to keep 6 percent of its capital in the regional reserve bank,

而每家銀行都需要在地區儲備銀行中保留6%的資本。

and in return, they own shares in that bank.

而作為回報，他們擁有該銀行的股份。

Which means the fed is simply owned by the rest of the banks in the country.

這意味著美聯儲只是被該國的其他銀行所擁有。

It sounds as if the system couldn't be more rigged since the big banks control the only

聽起來好像這個系統被操縱得不能再好了，因為大銀行控制著唯一的 "小銀行"。

bank thats the source of the dollar but every major bank in the US is a public company which

但美國的每家主要銀行都是上市公司，它們是美元的來源。

means by buying their stock, you turn into one of the owners of these banks and indirectly

這意味著通過購買他們的股票，你變成了這些銀行的所有者之一，並且間接地

and an owner of the fed.

和聯邦的一個所有者。

3.

3.

your bank is not your financial planner 


你的銀行不是你的財務規劃師

What most people don't realize is that banks are not there to act in your best interest.

大多數人沒有意識到的是，銀行並不是為了你的最佳利益而行事。

Their purpose isn't to help you become finically free or get the best deals or solve your financial

他們的目的不是幫助你成為財務自由人或獲得最佳交易或解決你的財務問題。

difficulties.

困難。

Banks are profitable corporations who are accountants to their shareholders and are

銀行是盈利的公司，他們是股東的會計師，是

obligated to make a profit, so, like any other business, they will act in their best interest

有義務賺取利潤，是以，像其他企業一樣，他們會以自己的最佳利益行事。

by selling your products and services that benefit them and not you.

通過銷售你的產品和服務，使他們而不是你受益。

Yes, your interests might align sometimes but not always.

是的，你們的興趣有時可能一致，但並不總是如此。

So whenever a bank suggests you to do something, just because the bank teller is wearing a

是以，每當銀行建議你做某事時，僅僅因為銀行出納員穿的是

nice suit and is very kind to you doesn't mean he is giving you the best advice possible.

衣服漂亮，對你很好，並不意味著他在給你最好的建議。

Before trying to sell that product to you, every bank teller has gone through extensive

在試圖向你推銷該產品之前，每個銀行出納員都經歷了廣泛的

training to learn to convince to pay for that service.

培訓，以學習說服為該服務付費。

So, think for yourself, don't decide to accept anything unless you sleep on it.

是以，要為自己考慮，不要決定接受任何東西，除非你睡在上面。

Make sure to compare the rates always with other banks, don't let yourself for a moment

確保始終與其他銀行的利率進行比較，不要讓自己有片刻的猶豫。

be manipulated how nicely they treat you because that could end up costing you a fortune in

他們對你有多好，你就得聽他們的，因為這可能會讓你損失一大筆錢。

the long run.

長期來看。


 4.

4.

the wealthier you are, the less banks charge you 

你越富有，銀行對你的收費就越少


 The main purpose of banks should be to take

銀行的主要目的應該是採取

money from those who have extra money and lend it to those who need it.

從那些有多餘錢財的人那裡借錢給需要錢的人。

That's how banks emerged in the first place.

這就是銀行最初出現的原因。

However, the financial system has evolved since then. 

然而，從那時起，金融體系已經發生了變化。

When you live paycheck to paycheck, you are not valuable to the banks.

當你靠工資生活時，你對銀行沒有價值。

They barely can make any money out of you.

他們幾乎不能從你身上賺到任何錢。

At best, they can provide you with a small mortgage and a credit card, so you are not

充其量，他們可以為你提供小額抵押貸款和信用卡，所以你並不

a valuable customer.

一個有價值的客戶。

However, when you are a billionaire, for example, the banks would provide you much more favorable

然而，當你是一個億萬富翁時，比如說，銀行會向你提供更多的優惠。

terms in hopes that you will stash your money in their banks or choose their banks as the

條件，希望你把錢藏在他們的銀行裡，或者選擇他們的銀行作為

primary bank for your businesses.

你們企業的主要銀行。

You can easily see that in the montage rates that banks usually provide to ultra-rich people

你可以很容易地從銀行通常提供給超富人的蒙太奇利率中看到這一點

which are much lower than the average rate. 

這比平均比率低得多。


 5.

5.

A bank is a place to park your money and not invest 

銀行是一個停放你的錢的地方，而不是投資。


 Some people look at banks and get frustrated

有些人看著銀行，感到很沮喪

with their low rates.

以其低利率。

Today, it's almost impossible to get even a 1 percent rate on your money if you decide

今天，如果你決定在你的資金上獲得甚至1%的利率，幾乎是不可能的。

to invest in fixed deposits.

投資於定期存款。

But that hasn't always been the case.

但情況並不總是如此。

For much of history, lending money and collecting interest has been a profitable business, but

在歷史上的大部分時間裡，放貸和收取利息是一項有利可圖的業務，但

not anymore since money today doesn't hold any intrinsic value, so stop treating banks

不再是了，因為今天的錢不具有任何內在價值，所以不要再把銀行當作

as investment tools and look at them as institutions to manage your money.

作為投資工具，並將其視為管理你的資金的機構。

If you still so desperately want to keep your money in a bank, try buying their stocks.

如果你還是那麼迫切地想把錢放在銀行，那就試試買他們的股票。

Goldman sacks, for example, pays a 2.1 percent dividend rate, that's much higher than what

例如，高盛公司支付2.1%的股息率，這遠遠高於其他公司。

they pay in fixed deposit rates.

他們支付的定期存款利率。

On top of that, you will benefit from the rise of the stock and the greatest part is

除此之外，你將從股票的上漲中獲益，最重要的部分是

that you are not going to just keep your money in a bank but you will be one of the owners

你不會只是把你的錢放在銀行裡，而是你將成為所有者之一。

of that bank.

該銀行的。

If you have enjoyed this video, you will most definitely enjoy this custom playlist that

如果你喜歡這個視頻，你一定會喜歡這個定製的播放列表，它是

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我專門為你創建了有我們最受歡迎的視頻的....，這有可能是

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改變你的生活。

Don't forget to get your 2 free stocks from Webull or check out my investing course on

不要忘了從Webull獲得你的兩隻免費股票，或查看我的投資課程。

skillshare.

技能分享。

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。