Did you know that half of the U.

你知道嗎，美國有一半的

S.

S.

Millennial millionaires live in a single stage California?

千禧年的百萬富翁住在加州的一個階段？

The question that you probably have in mind is do they move to California after becoming millionaires or before?

你可能想到的問題是，他們是在成為百萬富翁之後還是之前就搬到了加州？

But when you look at what's happening, the answer is clear.

但是，當你看看正在發生的事情時，答案是清楚的。

Silicon Valley is the center of innovation and startups.

硅谷是創新和初創企業的中心。

So it's not surprising that young talented people moved to California to compete for the most lucrative jobs in tech.

是以，年輕有為的人搬到加州來競爭科技界最有利可圖的工作，這並不奇怪。

Software engineers easily make a few $100,000 here, but that's not what makes them millionaires.

軟件工程師在這裡很容易賺到幾十萬美元，但這並不是讓他們成為百萬富翁的原因。

Most companies use stock options to pay employees if you're a challenging employee and you work for google.

大多數公司使用股票期權來支付員工，如果你是一個具有挑戰性的員工，並且你為谷歌工作。

For example, they don't want to lose you at the court of innovation and progress is the human mind.

例如，他們不想在創新和進步的法庭上失去你是人類的思想。

So the best way to keep you working for them is to simply pay you with stock options, you will receive a certain amount of stocks if you work for the company for 35 or 10 years a year passes or two and you want to change your job and work for Zach because he changed the name of the company to meta.

是以，讓你為他們工作的最好辦法就是簡單地用股票期權來支付你，如果你為公司工作35年或10年，你將獲得一定數量的股票，一年過去或兩年，你想換工作，為扎克工作，因為他把公司的名字改為元。

You can't because if you leave your options are going to expire and you have to stay till the end of your contract to use that option.

你不能這樣做，因為如果你離開，你的期權就會過期，你必須呆到合同期滿才能使用該期權。

That's primarily what makes the millionaires.

這主要是造就百萬富翁的原因。

In fact when companies pay their employees with stocks, they're tax deductible.

事實上，當公司用股票支付員工時，是可以扣稅的。

So everyone benefits, the company creates these stocks out of thin air, They're tax deductible and they're worth a lot of money which makes this talented people millionaires.

是以，每個人都受益，公司憑空創造了這些股票，它們可以減稅，而且價值不菲，這讓這些有才華的人成為百萬富翁。

It's a win win situation, But it's not unusual for wealth to accumulate in one city or one state or in the hands of a small group of people, 43.4% of the world's wealth is controlled by the top 1%.

這是一個雙贏的局面，但財富積累在一個城市或一個州或一小撮人手中並不罕見，世界上43.4%的財富被最高的1%控制。

The Pareto principle is visible everywhere.

帕累託原則隨處可見。

But what we want to focus on in this video is what are the investments you have to make to be in the top 1%.

但我們在這段視頻中要關注的是，要想進入前1%，你必須做哪些投資。

What industries are going to dominate the future and where should you invest to?

哪些行業將在未來佔據主導地位，你應該向哪裡投資？

Never work again.

再也不工作了。

We will answer all of these questions and many more.

我們將回答所有這些問題以及更多的問題。

But before we do that, give this video a thumbs up and here is a little disclaimer, this is not financial advice and everything that's said in this video is for educational and entertainment purposes and now let's dive in.

但在這之前，請為這段視頻豎起大拇指，這裡有一個小小的免責聲明，這不是財務建議，這段視頻中所說的一切是出於教育和娛樂的目的，現在讓我們深入瞭解一下。

But before we do that, I have to share with you an amazing tool that I have come across recently.

但在這之前，我必須與你分享我最近遇到的一個驚人的工具。

What is the best way to save money?

什麼是省錢的最好方法？

You might say cutting your $5 morning coffee or taking the public transport or cooking a tom.

你可能會說減少你5美元的早晨咖啡，或乘坐公共交通工具，或做一個湯姆。

But what if I told you that you can save a fortune without denying yourself all of these pleasures by improving your credit score.

但是，如果我告訴你，你可以通過提高你的信用評分，在不剝奪自己所有這些樂趣的情況下節省一筆錢。

Because when you're out there, for example, trying to get a mortgage, a higher credit score means a lower mortgage rate, a single percentage can save you dozens of thousands of dollars.

因為當你在外面，例如，試圖獲得抵押貸款時，較高的信用分數意味著較低的抵押貸款利率，一個百分比就可以為你節省數萬美元。

That's why I use a credit card to raise my credit score.

這就是為什麼我使用信用卡來提高我的信用分數。

But I hate credit cards because if you miss a single payment, you will be charged unbelievable high interest.

但我討厭信用卡，因為如果你錯過一次付款，你將被收取令人難以置信的高額利息。

That's where today's video sponsor comes in.

這就是今天的視頻贊助商的作用。

Extra is a debit card that builds your credit and earns rewards points just like a credit card.

Extra是一張借記卡，可以像信用卡一樣建立你的信用並賺取獎勵積分。

When you connect extra to your existing bank accounts, you swipe your card and extra spots you for everyday purchases And an extra ought to pace themselves back from your connected bank balance the next business day at the end of the month, all payments are tails up and reported to credit bureaus.

當你把extra連接到你現有的銀行賬戶時，你刷卡，extra就會為你的日常消費提供服務。而extra應該在月末的下一個工作日從你連接的銀行餘額中把自己拉回來，所有的付款都是尾數，並報告給信用局。

You'll not only build your credit score but also earn up to 1% and points for everyday purchases like right shares, coffees and your phone bills.

你不僅可以建立你的信用分數，還可以賺取高達1%和日常消費的積分，如右股、咖啡和你的電話賬單。

Sign up for extra with the link in my description and start building your credit with the debit cards.

用我描述中的鏈接註冊額外的，並開始用借記卡建立你的信用。

Yes.

是的。

A debit card Number one, climate tech.

一張借記卡 第一，氣候技術。

In the late 19th century oil, as we know it today was discovered and it has literally shaped the world since then.

在19世紀末，我們今天所知道的石油被發現，從那時起，它實際上已經塑造了世界。

It led to the invention of automobiles, cars, planes, and rockets.

它導致了汽車、轎車、飛機和火箭的發明。

It led to the biggest infrastructure project in the history of the us that shaped the entire country.

它導致了美國曆史上最大的基礎設施項目，塑造了整個國家。

In fact if you go back 100 years ago oil was the commodity that created America's first billionaire and the world's richest person, john Rockefeller realized the importance of this commodity and quickly started building his empire where he literally created a monopoly in the country.

事實上，如果你回到100年前，石油是創造美國第一個億萬富翁和世界上最富有的人的商品，約翰-洛克菲勒意識到這種商品的重要性，並迅速開始建立他的帝國，他實際上在該國創造了一個壟斷。

His personal wealth grew in 1913 to $900 million which was almost 3% of the U.

他的個人財富在1913年增長到9億美元，幾乎是美國的3%。

S.

S.

G.

G.

D.

D.

P.

P.

3% of the U.

3%的美國人。

S.

S.

GDP today is $630 billion.

今天的GDP是6300億美元。

Which means back then he was wealthier than Elon musk and Jeff Bezos combined.

這意味著那時他比埃隆-馬斯克和傑夫-貝佐斯加起來還要富有。

That's why his empire was broken into 34 different companies.

這就是為什麼他的帝國被分割成34個不同的公司。

These companies still exist today and are leading the industry.

這些公司今天仍然存在，並且在行業中處於領先地位。

This industry also shaped the geopolitics of the world, where it made Middle Eastern monarchies enormously rich Aramco, which is a state-owned Saudi company that controls the oil in the country is valued at over $2 trillion 2019, it has reached its peak.

這個行業也塑造了世界的地緣政治，它使中東的君主們變得非常富有，阿美石油公司是一家國有的沙特公司，控制著該國的石油，其價值超過2萬億美元2019年，它已經達到了高峰。

The trend is now downward.

現在的趨勢是向下的。

Oil is going to be more and more expensive to extract, which means oil prices are going to keep either rising or all companies are simply wouldn't be able to turn a profit, which means the demand for renewable energy is only going to rise on top of that.

石油的開採成本會越來越高，這意味著油價會不斷上漲，或者所有公司都根本無法實現盈利，這意味著對可再生能源的需求只會在此基礎上上升。

Climate change is a problem that dangerous.

氣候變化是一個如此危險的問題。

The entire future of humanity.

整個人類的未來。

These two factors are fueling the climate tech industry As oil has dominated the last 100 50 years, renewable tech is going to shape the next 100 years.

這兩個因素正在為氣候技術產業推波助瀾 隨著石油在過去100個50年中占主導地位，可再生技術將塑造未來100年。

Just in 2021 climate tech startups have raised a record $32 billion dollars globally.

就在2021年，氣候技術初創公司在全球範圍內籌集了創紀錄的320億美元資金。

This number is only going to increase year after year.

這個數字只會逐年增加。

So if you want to make an investment and be sure that it is only going to grow, invest in this industry Number two health care.

是以，如果你想進行投資，並確信它只會增長，那就投資於這個行業數二保健。

What happened in 2020 wasn't surprising if you take a look at the history.

如果你看一下歷史，2020年發生的事情並不令人驚訝。

Pandemics has been happening throughout history and the most recent one happened in 1918.

大流行病在歷史上一直在發生，最近的一次發生在1918年。

It was absolutely devastating.

這絕對是毀滅性的。

But in the last 100 years Aztec began to grow so rapidly, life expectancy began to rise as well.

但在過去的100年裡，阿茲特克人開始迅速發展，預期壽命也開始上升。

We realized that if we take better care of ourselves, we can easily live 80 90 or even 100 years.

我們意識到，如果我們更好地照顧自己，我們可以輕鬆地活到80 90歲甚至100歲。

If over 100 years ago, you would be lucky to live past 50.

如果在100多年前，你能活過50歲就很幸運了。

Now, life starts at 50 and 2020 was a warning that if we stop focusing on our health, everything we built could be destroyed in a glimpse of an eye.

現在，生命從50歲開始，2020年是一個警告，如果我們不再關注我們的健康，我們建立的一切可能在一瞥之間被摧毀。

But that's just one side of the story.

但這只是故事的一個側面。

The other is that we can create technologies that can expand our lifespan for a long time.

另一個是，我們可以創造出能夠長期延長我們的壽命的技術。

M.

M.

RNA for example was considered as a hoax.

例如，RNA被認為是一個騙局。

But Moderna came in and created the first M.

但Moderna進來後創造了第一個M。

RNA vaccine.

RNA疫苗。

What you don't need to inject the actual virus but enough to use it to create similar cells with this technology, we can create drugs faster, better and cheaper.

你不需要注射實際的病毒，但足以用它來創造類似的細胞，有了這種技術，我們可以更快、更好、更便宜地創造藥物。

Anyone who's invested in Moderna has made massive gains Since then.

從那時起，任何投資Moderna的人都取得了巨大的收益。

However, biotech companies are just emerging.

然而，生物技術公司剛剛興起。

We have vertex rush fighter.

我們有頂點衝鋒戰士。

Of course it's risky to make a single bet on any of these companies.

當然，對這些公司中的任何一家進行單一的投注都是有風險的。

But you can try vanguard health TTF.

但你可以試試先鋒健康TTF。

It literally holds stocks of the most prominent biotech companies such as Pfizer, johnson and johnson and the rest number three V.

它實際上持有最突出的生物技術公司的股票，如輝瑞、約翰遜和約翰遜以及其餘的三家V公司。

T.

T.

I.

I.

When people recommend E.

當人們推薦E.

T.

T.

F.

F.

They usually talk about the S.

他們通常談論的是S。

And P.

而P.

500 but it's not the only E.

500元，但這不是唯一的E。

T.

T.

F.

F.

Out there.

在那裡。

S.

S.

And P.

而P.

500 companies are great but they're not the only ones in the country.

500強公司是偉大的，但它們不是全國唯一的公司。

As of 2019.

截止到2019年。

There has been 32.5 million businesses in the US and thousands of them are listed in the stock market.

美國已經有3250萬家企業，其中數千家企業在股票市場上市。

So you want to benefit from not just the S.

是以，你想受益的不僅僅是S。

And P.

而P.

500 companies but the entire economy.

500強企業，而是整個經濟。

Even Tesla just recently joined the S.

即使是特斯拉最近也剛剛加入了S型的行列。

And P.

而P.

500.

500.

There are plenty of great companies that are not on the S.

有很多偉大的公司沒有上S。

And P.

而P.

500.

500.

The V.

五。

T.

T.

I.

I.

E.

E.

T.

T.

F.

F.

Aims to replicate the composition of the U.

旨在複製美國的構成。

S.

S.

Equity market, providing a broadly diversified and low turn over portfolio for a cheap fee.

股票市場，以低廉的費用提供廣泛多樣化和低週轉的投資組合。

It captures the entire investable U.

它抓住了整個可投資的U。

S.

S.

Equity market.

股票市場。

It is a very low fee which makes it great for long term investments.

這是一個非常低的費用，這使得它非常適合長期投資。

It's one of my favorite E.

這是我最喜歡的E之一。

T.

T.

F.

F.

Number four rates I have been in real estate since I was a teenager.

第四率我從十幾歲起就一直在做房地產。

It's one of the industries that I absolutely love especially for the fact that it provides a stable cash flow.

這是我絕對喜歡的行業之一，尤其是它能提供穩定的現金流。

You have total control over it and it keeps sending you paychecks.

你對它有完全的控制權，而且它一直給你發工資。

Of course it requires some level of management but it's manageable to a certain extent.

當然，這需要一定程度的管理，但在一定程度上是可以管理的。

However not everyone enjoys that.

然而不是每個人都喜歡這樣。

A property means constant problems.

財產意味著不斷的問題。

You have to find tenants, something breaks down, you have to fix it.

你必須找到租戶，有些東西壞了，你必須去修理。

You have to pay taxes renovated and a million other things.

你必須支付翻新的稅款和無數其他事情。

It is really time consuming.

這真的很耗費時間。

What makes real estate so special is that real estate prices keeps rising even if they crash they will eventually bounce back.

房地產的特殊之處在於，房地產價格不斷上漲，即使崩潰，最終也會反彈。

Take the real estate crash of 2008 prices haven't just jumped back to where they have been but have risen significantly since then.

以2008年的房地產崩盤為例，價格不僅僅是跳回了原來的位置，而是從那時起就大幅上漲了。

So how do you invest in real estate without actually buying any property?

那麼，你如何在不實際購買任何房產的情況下投資房地產呢？

The answer is right rates are businesses that own and manage properties and they're traded in the stock market.

答案是正確的利率是擁有和管理房產的企業，它們在股票市場上進行交易。

So by investing in a rate you're investing in real estate indirectly.

是以，通過投資利率，你就間接地投資於房地產。

But what I like the most is that there are rate E.

但我最喜歡的是，有利率E。

T.

T.

S.

S.

Like V.

像V。

And Q.

而問：

That invest in multiple rates.

那就是投資於多種利率。

Number five.

五號。

Online education.

在線教育。

With the rise of the internet education has become widely accessible especially with places like Cannes academy skills here and others we should have moved to online education long ago.

隨著互聯網的興起，教育已經變得廣泛普及，特別是像坎城學院的技能在這裡和其他地方，我們早就應該轉移到在線教育。

but we didn't so 2020 push the entire world to move to online education and it seems like this industry Is going to explode in the next decade or so today you can literally access any information on the Internet, learn anything from YouTube and master any skill from your favorite blogger.

但我們沒有，所以2020年推動整個世界轉向在線教育，似乎這個行業將在未來十年左右爆發，今天你可以從字面上獲取互聯網上的任何資訊，從YouTube上學習任何東西，從你最喜歡的博主那裡掌握任何技能。

There multiple ways to invest in the sector.

有多種方法可以投資於該行業。

Of course you have traditional means, such as education companies that are listed on the stock market or 80 s that are focused on this industry.

當然，你有傳統的手段，如在股票市場上市的教育公司或專注於這個行業的80年代。

You can even get into this industry on your own if you're good enough at something, but I prefer startups in this industry because they are growing too fast and it's a huge potential.

如果你有足夠的能力，你甚至可以自己進入這個行業，但我更喜歡這個行業的初創公司，因為它們的發展速度太快了，而且潛力巨大。

I'm almost sure that 20 years from now, education is going to look entirely different with all of these new tools, we have such as VR If you have enjoyed this video, you'll most definitely enjoy this custom playlist I have created specifically for you that has our most popular videos and now give this video a thumbs up that it deserves and that should subscribe if you haven't done that yet.

我幾乎可以肯定，從現在起的20年裡，教育將因所有這些新工具而顯得完全不同，我們有諸如VR 如果你喜歡這個視頻，你一定會喜歡我專門為你創建的這個定製播放列表，其中有我們最受歡迎的視頻，現在給這個視頻豎起大拇指，這是它應得的，如果你還沒有這麼做，應該訂閱。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。