It's not just about the pandemic but how  the world reacted, especially the central  

這不僅僅是關於大流行病，而且是關於世界如何反應，特別是中央的反應。

banks. Central banks all across the world printed  unbelievable amounts of money. Just in 2020, over  

銀行。世界各地的中央銀行印製了令人難以置信的大量貨幣。就在2020年，超過

9 trillion dollars were thrown into the economy.  Almost half of the existing money was created  

9萬億美元被扔進經濟中。 幾乎一半的現有貨幣被創造出來

since the beginning of the pandemic, which  clearly should have created hyperinflation,  

自大流行病開始以來，這顯然應該造成惡性通貨膨脹。

but experts told us that's not happening. The truth is that inflation has hit a  

但專家告訴我們，這並沒有發生。事實是，通貨膨脹已經達到了

record high since 2020, and now people like  Jack Dorsey are saying - Hyperinflation is  

自2020年以來的最高紀錄，而現在像傑克-多爾西這樣的人說--惡性通貨膨脹是

going to change everything. It's happening! He is not a random guy. He is the founder of  

將會改變一切。它正在發生!他不是一個隨便的人。他是以下公司的創始人

Twitter, one of the largest tech companies in  the world, and the CEO of Square, a financial  

世界上最大的科技公司之一推特，以及金融公司Square的CEO。

payments company. And he is not alone. Multiple  experts have already warned about the coming  

支付公司。而且他並不孤單。多位專家已經警告說，即將到來的

hyperinflation. While I don't really believe in it  but judging by whats happening, it could happen!  

惡性通貨膨脹。雖然我不太相信，但從正在發生的事情來看，它可能發生！"。

People don't understand how  devastating it could be! 

人們不明白這可能是多麼大的破壞性！這就是為什麼我們要把它作為一種 "工具"。

It's not another crisis like a pandemic.  The moment people loose faith in the dollar,  

這不是另一場像大流行病的危機。 人們對美元失去信心的那一刻。

it's the end of the dollar because fiat money is  not backed by anything except our belief in it. 

這是美元的終結，因為法定貨幣除了我們對它的信念外，沒有任何東西作為支撐。

Just take a look at what happened in the Weimar  republic after the first world war or Zimbabwe in  

只要看看第一次世界大戰後在魏瑪共和國發生的事情，或者看看辛巴維的情況就知道了。

2006. The truth is, individually, we can't change  that. But what we can certainly do is take better  

2006.事實是，就個人而言，我們無法改變這種情況。但我們肯定能做的是採取更好的

care of our money. While inflation is still around  5 percent. You have to save as much as possible to  

照顧我們的錢。雖然通貨膨脹率仍然在5%左右。你必須儘可能多地儲蓄，以

purchase assets that will rise together with  inflation. We have made an entire video about  

購買將與通貨膨脹一起上升的資產。我們做了一整個視頻，關於

how to profit from inflation, but in this video,  we are going to take a look at 5 money traps you  

如何從通貨膨脹中獲利，但在這段視頻中，我們要看一下你的5個金錢陷阱。

have to avoid in your 20s because if you do  not, you will never become financially free! 

在你20多歲的時候必須避免，因為如果你不這樣做，你將永遠不會成為財務自由人!

If you are ready, give this video a thumbs  up, and here is a little disclaimer.  

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。

This is not financial advice and everything  thats said in this video is for educational  

這不是財務建議，本視頻中所說的一切是教育性的。

purposes. 
 

目的。

betting 
 

博彩

Unless you have been living under the rock, you  probably watched or at least heard about the squid  

除非你一直生活在岩石下，否則你可能看過或至少聽說過烏賊的故事

game. It perfectly illustrates humanity's  will to find a quick way to prosperity,  

遊戲。它完美地詮釋了人類尋找快速致富途徑的意願。

especially when they are desperate. There is  something in the back of our minds that tells  

特別是在他們絕望的時候。在我們的腦海中，有一些東西告訴我們

us that there is a shortcut to wealth only if we  just bet on the right team or the right horse or  

我們認為有一條通往財富的捷徑，只要我們投注在正確的球隊或正確的馬匹或

whatever it might. But the truth is that, at  the end of the day, it all comes down to luck.  

不管它可能。但事實是，在一天結束時，這一切都歸結於運氣。

And chances that you will be lucky could  be on one a thousand or one a million or  

而你的幸運機會可能是千分之一或百萬分之一，也可能是千分之一。

one in a hundred million. Which means the vast  majority of people are going to lose in this game  

一億分之一。這意味著絕大多數人都會在這場遊戲中輸掉。

so do not ever chose this path as your way to  create wealth no matter how sweet does it looks.  

所以千萬不要選擇這條道路作為你創造財富的途徑，無論它看起來多麼甜蜜。

Real wealth takes real effort and real-time.  The case with GameStop perfectly shows our will  

真正的財富需要真正的努力和實時。 與GameStop的案例完美地展示了我們的意願

to gamble our way to the top. It was a risky bet.  Although the hedge funds made a terrible mistake,  

以賭博的方式達到頂峰。這是個冒險的賭注。 儘管對沖基金犯了一個可怕的錯誤。

it was clear that this bubble was going to burst  at some point. Of course, the people who held  

很明顯，這個保麗龍在某個時候會破滅。當然，那些持有

the stocks, in the beginning, did make a lot of  money. Others jumped in when it was at all-time  

的股票，在開始時，確實賺了很多錢。其他人在它處於歷史最高點時跳了進去。

high and lost their lives savings without really  understand all the risks that comes along with it. 

高，並失去了他們的生活儲蓄，而沒有真正瞭解隨之而來的所有風險。


 2. Sacrificing your future for the sake of today

2.為了今天而犧牲自己的未來

This is the most common financial trap that  most people fall into, especially young people.  

這是大多數人陷入的最常見的財務陷阱，尤其是年輕人。

We want to enjoy life today and not 5, 10, or  20 years from now. Merely the idea of enjoying  

我們想享受今天的生活，而不是5年、10年或20年後的生活。僅僅是享受的想法

life when you are old sounds so dumb that why  even consider it. I totally agree with you,  

當你年老時的生活聽起來如此愚蠢，為什麼還要考慮它。我完全同意你的觀點。

but the problem is that life is set in such a  way that you are either going to enjoy a little  

但問題是，生活是這樣設定的，你要麼享受一下

bit today or enjoy a lot later in your life. I am not a fan of sacrificing the present  

今天的一點，或者在你的生活中以後享受很多。我不喜歡犧牲現在。

for the future because life is now and not  tomorrow, especially 10 years from now. If  

因為生活是現在而不是明天，特別是10年後。如果

you can't enjoy the present, you won't be able  to enjoy the future, especially when you are not  

你不能享受現在，你就不能享受未來，特別是當你沒有

guaranteed to live till that future. However,  enjoying life isn't just about spending money.  

保證能活到那個未來。然而，享受生活並不只是花錢。

You can perfectly have fun with friends  while not spending a lot of money.  

你完全可以在不花很多錢的情況下和朋友們一起玩耍。

Just remember your childhood, you use to have a  great time with friends while not even having a  

只需記住你的童年，你曾經和朋友們度過了一段美好的時光，而甚至沒有一個

dollar in your pocket. At least that's how my  childhood was. My parents never gave money but  

一美元在你的口袋裡。至少我的童年是這樣的。我的父母從不給錢，但

nonetheless, I still had great time with friends. It's your perspective, the way you look at it. If  

儘管如此，我仍然和朋友們度過了美好的時光。這是你的觀點，你看待它的方式。如果

you are used to satisfying your urges by spending  money, then that's something you should work on. 

你習慣於通過花錢來滿足你的衝動，那麼這是你應該努力的事情。

3. You stop learning how new technologies work This is a very common mistake people make as  

3.你停止學習新技術的工作原理 這是一個非常常見的錯誤，因為

they get older and that includes myself as  well. As we grow and get elder, we start  

他們變老了，這也包括我自己。隨著我們的成長和變老，我們開始

paying less attention to new technologies. It  gets difficult to push yourself to use them.  

減少對新技術的關注。推動自己使用它們變得很困難。

I am trying to push myself to learn how Tiktok  works, but I have been pretty unsuccessful so far. 

我正在努力促使自己學習Tiktok的工作方式，但到目前為止我還很不成功。

The problem is that the world is constantly  changing, especially in the last 50 years.  

問題是，世界在不斷變化，特別是在過去50年裡。

And wealth is shifting from one generation to  another. How many Rockefellers, for example,  

而且財富正在從一代人轉移到另一代人。比如說，有多少洛克菲勒家族。

are there on the Forbes list?  Not many! And nowhere close  

福布斯排行榜上有嗎？ 不多！也不多。也沒有接近的地方

to the top of the list!  The family who inherited the  

到榜首! 繼承的家族

wealth of the richest man in America who had a net  worth of 400 billion dollars adjusted to inflation  

美國最富有的人的財富，他的淨資產按通貨膨脹率調整後為4000億美元

are slowly losing their fortune, and yet this  drops out from Harvard ( Zuck) worth 12x more with  

正在慢慢地失去他們的財富，而這個從哈佛大學出來的人（Zuck）的身價是他們的12倍。

121 billion dollars because one kept living on his  fathers success while the other took advantage of  

1210億美元，因為一個人一直靠他父親的成功生活，而另一個人則利用了他父親的成功。

this new intention called the internet. So if you want to keep making money,  

這個新的意圖叫做互聯網。是以，如果你想繼續賺錢。

you have to keep learning, always be curious!  In the last 10 years, youtube and Instagram  

你必須不斷學習，永遠保持好奇心! 在過去的10年裡，youtube和Instagram

have been booming, but today there are other  platforms that are taking over such as Tiktok.  

一直在蓬勃發展，但今天有其他平臺正在接管，如Tiktok。

We have entire new industries like  crypto that are growing exponentially. 

我們有整個新的行業，如加密貨幣，正在以指數形式增長。


 4. Not being patient 

4.沒有耐心

One of my weaknesses is that I am not a patient  person. This is something I realized in myself  

我的一個弱點是，我不是一個有耐心的人。這是我在自己身上意識到的事情

since I was a kid and I have been working  on myself since then. But what I realized  

從我還是個孩子開始，我就一直在為自己努力。但我意識到的是

that whenever I am patient, things turn out to  be way better. You are making an investment,  

只要我有耐心，事情就會變得更好。你正在進行投資。

and things go down. All you have to do is  wait and things will get better. Because  

和事情的發展。你所要做的就是等待，事情會變得更好。因為

ups and downs are normal in the stock  market, but a lot of people pull out. 

漲跌在股市中是正常的，但很多人都會撤出來。

Think of bitcoin recently. It has plummeted  significantly, and recently it crossed  

想想最近的比特幣。它已經大幅暴跌，最近它越過了

a new milestone. That doesn't mean  that just because you are waiting,  

一個新的里程碑。這並不意味著，僅僅因為你在等待。

its going to grow, but if your investment is based  on real analysis that prove that this particular  

但如果你的投資是基於真正的分析，證明這個特定的

asset worth a certain price, then you should  not worry about it. Buy and forget about it.  

價值一定價格的資產，那麼你不應該擔心它。購買並忘記它。

Or when it comes to buying something expensive.  You just feel the urge to swipe that credit card  

或者當涉及到購買昂貴的東西時。 你就會有刷卡的衝動。

and get that thing as soon as possible, but the  next day you realize that you are perfectly fine  

並儘快得到那個東西，但第二天你發現你完全沒事了

if you haven't bought that thing. So if you  have been a little patient, if you went back  

如果你還沒有買那個東西。是以，如果你有一點耐心，如果你回去了

home and slept on it, the next day you would have  changed your mind and saved yourself a few hundred  

如果你在家裡睡了一覺，第二天你就會改變主意，為自己省下幾百塊錢。

or maybe a few thousand dollars. But it's really difficult since we are  

或可能是幾千美元。但這真的很困難，因為我們是

living in this consumer-based economy where  our lives moves forward by spending money. 

生活在這個以消費為基礎的經濟中，我們的生活通過花錢而向前邁進。

5. investing all of your money 
 

5.投資你所有的錢

The feeling when you just start investing is  awesome. But when you discover the concept  

當你剛開始投資的時候，那種感覺是非常棒的。但是當你發現這個概念

of inflation and look at your money, you feel  so bad that why your 10K d ollar that you barely  

通貨膨脹的影響，看看你的錢，你會覺得很糟糕，為什麼你的1萬塊錢幾乎沒有了？

saved are sitting and losing value over time,  especially when we have record-high inflation. 

節省下來的錢，隨著時間的推移而失去價值，特別是當我們有創紀錄的高通貨膨脹率時。

I feel you! I have the exact same  feeling when I look at my savings.  

我感覺到了!當我看到我的儲蓄時，我有完全相同的感覺。

But the truths is - life is unpredictable. Things  could be great today and horrible tomorrow,  

但事實是--生活是不可預測的。事情可能今天很好，明天卻很糟糕。

and if you don't have enough cash at your hands,  you might end up getting into debt that will  

如果你手中沒有足夠的現金，你可能最終會陷入債務，這將使你的生活陷入困境。

cost you much more than what your investments  could generate, so its always better to have  

你的成本比你的投資所能產生的要高得多，所以它總是更好地擁有

an emergency fund before you start investing. Figure out how much you spend per month and make  

在你開始投資之前，要有一個緊急基金。計算出你每個月花多少錢，並使

sure you have at least 3 to 6 month of savings  always stashed in your account and invest the  

確保你的賬戶中至少有3至6個月的儲蓄，並進行投資。

rest. Yes this money is going to lose value over  time, but you never know whats going to happen  

休息。是的，這些錢隨著時間的推移會失去價值，但你永遠不知道會發生什麼。

a year from now but what you can know for sure  is that you are ready no matter what happens. 

但你可以確定的是，無論發生什麼，你都已經準備好了。

But before you start investing, you should  at least know the basics of the stock market.  

但在你開始投資之前，你至少應該知道股票市場的基本知識。

I get it its not easy, especially when you are  just starting. You have a million questions. Don't  

我明白這並不容易，尤其是當你剛剛開始的時候。你有一百萬個問題。請不要

worry! I get it. I was once in your position. And  to answer all of your questions, I have created a  

擔心!我明白了。我曾經處於你的位置。為了回答你所有的問題，我已經創建了一個

course that simple, straightforward and fully  animated. I have literally answered almost all  

課程，簡單、直接、完全的動畫。我已經從字面上回答了幾乎所有

of the questions you have in your mind. I strongly  recommend it if you are serious about investing.  

的問題在你的腦海中。如果你對投資是認真的，我強烈推薦它。

It will not just teach you how to invest in index  funds but teach you how to analyse stocks and  

它不僅會教你如何投資於指數基金，還會教你如何分析股票和

read financial statements, and at the end of the  course, you will have to complete an assignment  

閱讀財務報表，在課程結束時，你將不得不完成一項作業

that I will personally check, and the best part  of it is that you can get 2 weeks of Skillshare  

我將親自檢查，其中最好的部分是，你可以得到2周的Skillshare

premium if you use the link in the description  and get the course for free. So don't miss it. 

如果你使用描述中的鏈接，並免費獲得該課程，則可獲得溢價。是以，不要錯過它。

You can also start your investing  journey by getting 2 free stocks from we  

你也可以通過從我們這裡獲得2支免費的股票來開始你的投資之旅。

bull by using the link in the description. You have everything you need to start. 

通過使用描述中的鏈接進行牛市。你擁有開始所需的一切。

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

如果你喜歡這個視頻，你一定會喜歡這個定製的視頻。

playlist that I have created specifically for you  

我專門為你創建的播放列表

that has our most popular videos on ....  that can potentially change your life. 

這有我們最受歡迎的視頻，....，可能會改變你的生活。

And now give this video the thumbs  up that it deserves, and make sure to  

現在給這個視頻豎起應有的大拇指，並確保

subscribe if you haven't done that yet. Thanks for watching and until next.

如果你還沒有這樣做，請訂閱。謝謝你的觀看，直到下一次。