.1%.

.1%.

The number isn't too big since every other person is not a millionaire and neither it's too small.

這個數字不算太大，因為其他每個人都不是百萬富翁，也不算太小。

Since every single year, hundreds of thousands of people joined the millionaire club.

因為每一年都有數十萬人加入了百萬富翁俱樂部。

If you are born in the right place and your basic needs were met while you were a child so that you did not have to work as a kid, then you stand a pretty good chance to become a millionaire.

如果你出生在正確的地方，而且你的基本需求在你還是個孩子的時候就得到了滿足，這樣你就不必在小時候工作，那麼你就有相當大的機會成為百萬富翁。

If you take a series of good financial decisions, even if you're struggling in your twenties or thirties, that doesn't mean you still can't make it because the average age of millionaires in the US is between 60 and 79 years old.

如果你採取了一系列良好的財務決定，即使你在二十多歲或三十多歲時正在掙扎，這並不意味著你仍然不能成功，因為美國百萬富翁的平均年齡在60歲至79歲之間。

But according to our demographics, most of you are in your twenties and thirties.

但根據我們的人口統計，你們中的大多數人都在二十多歲和三十多歲。

So do not tell yourself that it's already too late.

所以不要告訴自己已經太晚了。

So what percentage of adult population are millionaires?

那麼，成年人口中百萬富翁的比例是多少？

Almost 2% around six million adults are millionaires.

大約600萬成年人中有近2%是百萬富翁。

That's a pretty big number.

這是一個相當大的數字。

If you ask me, of course, while you're worried about how to pay your rent, it's difficult to imagine yourself earning millions of dollars, but you don't need to make millions of dollars to become a millionaire wealth isn't overnight.

如果你問我，當然，當你為如何支付房租而發愁時，你很難想象自己能賺到數百萬美元，但你不需要賺到數百萬美元就能成為百萬富翁財富不是一朝一夕的事。

Think it's something you accumulate over time.

認為這是你長期積累的東西。

It can take you a few years or a few decades, but every big goal starts with a series of small steps.

這可能需要幾年或幾十年的時間，但每一個大目標都是從一系列的小步驟開始的。

Every complex problem is a combination of multiple small problems.

每個複雜的問題都是由多個小問題組合而成。

So if you want to set yourself up for financial freedom you have to start taking actions that you can afford now.

是以，如果你想為自己設定財務自由，你必須開始採取你現在能夠負擔得起的行動。

So here are the seven small steps that you can take today to fold your path to financial freedom.

是以，以下是你今天可以採取的七個小步驟，以摺合你通往財務自由的道路。

If you already give this video a thumbs up and let's start with the first one, develop a routine.

如果你已經對這個視頻豎起了大拇指，讓我們從第一個開始，制定一個常規。

This might not sound like a financial decision, but I can confidently tell you that by having an effective and productive routine, you're going both to save a lot of money and make a lot of money.

這可能聽起來不像是一個財務決定，但我可以自信地告訴你，通過擁有一個有效和富有成效的日常工作，你將既能節省大量的錢，又能賺很多錢。

People who do not have a routine and are having adventures every single day end up wasting a lot of money are routine allows you to have a clear idea of how much money you need and stick to it.

沒有例行公事，每天都在冒險的人最終會浪費很多錢，而例行公事可以讓你對自己需要多少錢有一個清晰的概念，並堅持下去。

That's the only way to be conscious about every penny you spent.

這是對你花的每一分錢都有意識的唯一方法。

Of course, if you're earning hundreds of millions of dollars, you probably can do without it.

當然，如果你的收入是數以億計的，你可能可以不這樣做。

But the small scale, every penny matters, you need first to build a capital that you can rely on, and secondly, at this age, you're probably at the beginning of your journey.

但是小規模，每一分錢都很重要，你首先需要建立一個可以依靠的資本，其次，在這個年齡段，你可能正處於旅程的開始。

So every hour that you spend, not investing in yourself is an hour wasted.

是以，你花的每一個小時，不投資於自己，就是浪費了一個小時。

And in the long run that wasted our will compound and you might be missing on some huge gains.

而從長遠來看，我們的浪費將加劇，你可能會錯過一些巨大的收益。

Number two.

第二。

Stay away from social media.

遠離社交媒體。

Social media is a recent thing, in fact, the internet is a recent phenomenon, but we can already see the implications of always being on social media, especially for teenagers, there are people whose job is to show everyone how exciting and great their lives are because that's the only way they can attract attention and therefore monetize that attention to pay the bills often.

社交媒體是最近的事情，事實上，互聯網是最近的現象，但我們已經可以看到總是在社交媒體上的影響，特別是對青少年來說，有些人的工作是向所有人展示他們的生活是多麼的令人興奮和偉大，因為這是他們能夠吸引注意力的唯一方式，從而使這種注意力貨幣化，經常支付賬單。

That pays pretty well.

那是很好的報酬。

People generally understand that social media is in real life, but we spend so much time on it that we forget about the fact that instagram is just a series of pictures taken at one particular time and doesn't represent the real day to day life of these people.

人們普遍理解社交媒體在現實生活中的作用，但我們在上面花了太多時間，以至於忘記了這樣一個事實：Instagram只是在某個特定時間拍攝的一系列照片，並不代表這些人的真實日常生活。

So we strive to be like them.

所以我們努力成為他們那樣的人。

People get into debts to impress, others drive better cars or even travel just to show their friends that their lives are as good as theirs.

人們為了給人留下深刻印象而負債累累，其他人開著更好的汽車，甚至旅行，只是為了向他們的朋友展示他們的生活和他們一樣好。

Social media is of course a great tool, but when it leads you to make bad financial decisions, that ruins your life, then you're probably spending too much time on instagram.

社交媒體當然是一個偉大的工具，但當它導致你做出錯誤的財務決定，毀掉你的生活時，那麼你可能在instagram上花了太多時間。

Stay away from social media as much as you can does scroll through your instagram every moment you're distracted.

儘量遠離社交媒體，不要在你分心的時候翻閱你的Instagram。

Number three better sleep leads to better financial decisions.

第三，更好的睡眠會帶來更好的財務決策。

There are many ways to financial freedom from easy ones where your father gives you a small loan of a million dollars to lock your ways where you win the lottery or tough ones where you build a successful business.

實現財務自由的方式有很多，從你父親給你一百萬美元的小額貸款的簡單方式，到你贏得彩票的鎖定方式，或者你建立一個成功企業的艱難方式。

However, most people aren't going to win the lottery, nor will their parents give them a small loan of a million dollars with zero interest.

然而，大多數人不會贏得彩票，他們的父母也不會給他們提供零利息的一百萬美元的小額貸款。

So you're left with only one choice where you work hard for years to achieve that goal where you make the right financial decision every single day for many, many years.

是以，你只剩下一個選擇，你努力工作多年，以實現這個目標，在很多很多年裡，你每一天都做出正確的財務決定。

But it's difficult to make the right decision where your brain is exhausted.

但在你的大腦疲憊不堪的情況下，很難做出正確的決定。

Your brain has a short term memory and a long term memory like a computer, Whatever information you receive, your brain saves them in the short term memory.

你的大腦有一個短期記憶和一個長期記憶，就像一臺電腦，無論你收到什麼資訊，你的大腦都會把它們保存在短期記憶中。

It's like a ramp.

這就像一個坡道。

But whenever you go to sleep, your brain transfers that information into your long term memory.

但每當你睡覺時，你的大腦就會將這些資訊轉移到你的長期記憶中。

That's why it is really difficult to think properly if you did not have enough sleep because your short term memory is filled with information and it needs to move them to your long term memory.

這就是為什麼如果你沒有足夠的睡眠，真的很難正常思考，因為你的短期記憶充滿了資訊，它需要將它們轉移到你的長期記憶中。

So one of the best ways you can help yourself to make better financial decisions is to simply sleep better, go to bed on time.

是以，你能幫助自己做出更好的財務決定的最好方法之一就是簡單地改善睡眠，按時睡覺。

Make sure you don't get distracted while you're sleeping and always make it a priority to sleep.

確保你在睡覺時不分心，並始終把睡覺作為首要任務。

Well.

好吧。

Number four have a goal in life.

第四，有一個人生目標。

Life is unpredictable.

生活是不可預知的。

It's probably what makes life interesting.

這可能是使生活變得有趣的原因。

No matter how you plan.

無論你如何計劃。

Things always go the other way.

事情總是朝著相反的方向發展。

Sometimes better and sometimes worse.

有時更好，有時更糟。

But if you at least don't know what direction you're going to, chances that you will be where you want to be are very slim.

但是，如果你至少不知道你要去的方向，那麼你到你想去的地方的機會就會非常小。

Despite how chaotic life is, it's always better to have a goal that you strive to.

儘管生活有多混亂，但有一個你努力的目標總是更好。

That at least inspires you to stick to your daily routine.

這至少可以激勵你堅持你的日常工作。

We've already talked multiple times about how daily small savings can lead to millions of dollars in the long run through compound interest.

我們已經多次談到，從長遠來看，每天的小額儲蓄可以通過複利帶來數百萬美元的收益。

Of course it is going to be different for everyone since we're all under different circumstances.

當然，這對每個人來說都是不同的，因為我們都處在不同的環境中。

But you have a sense that you have a goal is a small thing that you can do today to move in the right direction.

但你有一種感覺，你有一個目標是你今天可以做的一件小事，可以朝著正確的方向前進。

Just make sure that your goal isn't to big and isn't too small and practical to a certain extent because if it's too big, you'll be lacking behind and probably forget about it while if it's too small, it won't inspire you.

只要確保你的目標不是太大，也不是太小，在一定程度上是實用的，因為如果太大，你就會缺乏後勁，可能會忘記它，而如果太小，它就不會激勵你。

No five.

沒有五。

Stay away from money wasters.

遠離浪費金錢的人。

They're both things that waste your money and people that are too expensive to have around friends that you can simply be around without wasting money on things you don't really need, avoid these types of people at all costs because they will forever keep you in the dark financial situation.

他們都是浪費你錢的東西，也是太貴的人，你可以簡單地在朋友身邊，而不浪費錢在你並不真正需要的東西上，不惜一切代價避免這類人，因為他們會永遠讓你處於黑暗的財務狀況。

Sometimes it takes just one bad person around you to ruin your financial life.

有時只需要你身邊的一個壞人就能毀掉你的財務生活。

Other times, it could be just a bad habits such as smoking or drinking.

其他時候，它可能只是一個壞習慣，如吸菸或喝酒。

Guess what happens when you start making more money, you will drink more or smoke more often and damage your health further.

猜猜看，當你開始賺更多的錢時會發生什麼，你會喝更多的酒或抽更多的煙，進一步損害你的健康。

Making more money is only going to harm you.

賺更多的錢只會傷害你。

So start working on these problems.

所以要開始著手解決這些問題。

Now turn your bad habits into good habits.

現在把你的壞習慣變成好習慣。

Remember, you can make your life far better without spending a single penny and all these small improvements will only help you to achieve your financial goals faster.

請記住，你可以在不花一分錢的情況下使你的生活大大改善，所有這些小的改進只會幫助你更快地實現你的財務目標。

Number six, learn how to solve their problems without money.

第六，學習如何在沒有錢的情況下解決他們的問題。

At first glance, it seems like money can solve all problems.

乍一看，似乎金錢可以解決所有問題。

The truth is that money does solve a lot of problems, but not all no amount of money is going to get your real friends or overcome your insecurities, you might be able to appear that you're no longer insecure, but they're going to hide deep down inside you.

事實上，錢確實能解決很多問題，但不是所有的問題，沒有多少錢能讓你得到真正的朋友或克服你的不安全感，你可能會出現你不再不安全，但它們會隱藏在你內心深處。

You don't need to make millions of dollars to feel confident or improve their social skills and build deep connections with your friends.

你不需要賺取數百萬美元來感受自信或提高他們的社交技能，並與你的朋友建立深厚的聯繫。

Most people are not going to be financially independent, so you don't have to be want to do that.

大多數人不會在經濟上獨立，所以你不一定要想做這個。

Keep working on your financial goals.

繼續為你的財務目標而努力。

But at the same time, if there is something you can solve without wasting money, go ahead and do it, work on your self esteem, learn how to build valuable connections, boost your confidence.

但與此同時，如果有一些你能解決的問題而不浪費錢，就去做吧，鍛鍊你的自尊心，學習如何建立有價值的聯繫，增強你的信心。

You don't need money to do that.

你不需要錢就能做到這一點。

You need willpower and time, which you probably have if you're watching this video number seven, be conscious about your spendings for some reason a lot of people consider you cheap.

你需要意志力和時間，如果你在看這個視頻，你可能有這個能力，第七，對你的花費要有意識，因為某些原因，很多人認為你很便宜。

If you count every penny you spent as if you're so stingy, but that's not the case, you can be spending randomly and expect yourself to be left with some savings then of the month, that's why most people live paycheck to paycheck money is not an infinite resource.

如果你計算你花的每一分錢，好像你是如此吝嗇，但事實並非如此，你可以隨意消費，並期望自己到時能留下一些儲蓄，這就是為什麼大多數人都是靠工資生活的，錢不是無限的資源。

You have to spend your time to earn it And your time is limited.

你必須花時間來賺取它，而你的時間是有限的。

So every dollar you spend is the charm you have spent working so before buying anything or paying for something?

所以你花的每一塊錢都是你在購買任何東西或支付任何東西之前，如此工作過的魅力？

Think twice.

三思而行。

Do you really need that?

你真的需要這個嗎？

It did something worth the price if your hour is worth $20 and that pair of sneakers as a price tag of $300, do these sneakers worth 15 hours of your life or two working days?

如果你的一小時值20美元，而那雙運動鞋的標價是300美元，那麼這雙運動鞋值你生命中的15個小時還是兩個工作日，它確實是值得的。

The first step of financial independence is knowing where your money goes then only you can manage it.

財務獨立的第一步是知道你的錢去了哪裡，然後只有你能管理它。

Of course.

當然了。

The path to financial independence requires far more steps than these seven simple steps.

通往財務獨立的道路需要的步驟遠遠超過這七個簡單的步驟。

But you have to start somewhere preferably start with something small because it's much easier to stick to simple small habits than pushing yourself to do something big.

但你必須從某處開始，最好從小事做起，因為堅持簡單的小習慣要比逼迫自己做大事容易得多。

That's so difficult.

這真是太難了。

You might end up giving up in the middle.

你可能最終會在中間放棄。

If you have enjoyed this video, you almost definitely enjoy this custom playlist that I have created specifically for you that has our most popular videos and business investing in the stock market.

如果你喜歡這段視頻，你幾乎肯定會喜歡我專門為你創建的這個自定義播放列表，其中有我們最受歡迎的視頻和在股市的商業投資。

That could potentially change your life.

這有可能改變你的生活。

Don't forget to get your two free stocks from Weibo or check out my investing course and skill share and now give this video a thumbs up that it deserves a nature to subscribe if you haven't done that yet.

不要忘記從微博上獲得兩支免費股票，或者查看我的投資課程和技能分享，現在給這個視頻豎起大拇指，如果你還沒有這樣做，它值得你去訂閱的性質。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。

Yeah.

是的。

Mhm.

嗯。

Mhm.

嗯。

Mhm.

嗯。

Mhm.

嗯。