That makes sense because saving $1 million $50,000 salary is not easy.

這是有道理的，因為節省100萬5萬美元的工資並不容易。

It is going to take you a lifetime.

這將需要你的一生。

Even $100,000 is not enough.

即使是100,000美元也不夠。

You have to pay a wrench, take care of your kids and put food on the table.

你必須支付扳手，照顧你的孩子，把食物放在桌子上。

However, it is not a subjective question.

然而，這不是一個主觀的問題。

All we have to do is take a look at the data.

我們所要做的就是看一看數據。

Around 80% of millionaires are self made and only a small minority of them, 20% have inherited their wealth.

大約80%的百萬富翁是自己創造的，其中只有少數人，即20%的人是繼承了他們的財富。

In fact, just 16% of them inherited more than $100,000.

事實上，他們中只有16%的人繼承了超過10萬美元的遺產。

That is nowhere close to the amount That could make you financially free.

這與可以使你財務自由的金額相差甚遠。

Only 3% of millionaires inherited more than $1 million.

只有3%的百萬富翁繼承了超過100萬美元的遺產。

In other words, 97% of people have put their blood and sweat to be where they are.

換句話說，97%的人都付出了自己的血汗，才有了今天的成就。

It is great when your parents can help you financially, but it's not enough just to pass you some cash at the end of the day, If you don't know how to manage that money, you're destined to go broke.

如果你的父母能在經濟上幫助你，這是非常好的，但僅僅在最後給你一些現金是不夠的，如果你不知道如何管理這些錢，你就註定會破產。

One way or another, we have seen countless examples where people didn't just inherit millions of dollars, but rather billions of dollars and they managed to go broke.

無論如何，我們已經看到了無數的例子，人們不僅僅是繼承了數百萬美元，而是數十億美元，但他們卻成功地破產了。

So one of the best things your parents can give you is financial education.

是以，你的父母能給你的最好的東西之一是財務教育。

However, most people are not financially free, so they end up giving their kids bad financial advice, You can't blame them because they're teaching you what they think is the best.

然而，大多數人在財務上並不自由，所以他們最終給了孩子們不好的財務建議。你不能責怪他們，因為他們在教你他們認為最好的東西。

My parents for example, I love them respect them, but they have grown up in the soviet union trade was illegal in that country.

例如，我的父母，我愛他們尊重他們，但他們在蘇聯長大，貿易在那個國家是非法的。

Money was seen as the root of all evils and the concept of financial education did not even exist.

金錢被視為萬惡之源，金融教育的概念甚至不存在。

So they grew up with that mentality and did their best to give me the best possible advice.

是以，他們是在這種心態下長大的，並盡最大努力給我提供最好的建議。

But that mentality has no place in the capitalistic world we live in.

但這種心態在我們生活的資本主義世界中是沒有地位的。

When I talk to people, it seems like I'm not the only one who got so many bad financial advisors.

當我與人交談時，似乎我不是唯一得到這麼多壞的財務顧問的人。

When you grow up in a poor environments with no fault of your own, you start seeing the world that way.

當你在一個沒有自己過錯的貧窮環境中長大，你就會開始以這種方式看待世界。

So here in this video I want to share with you five dumb money advises my parents gave me and use probably as well if you already give this video a thumbs up and let's dive in number one good grades mean more money.

是以，在這段視頻中，我想與你分享我父母給我的五個愚蠢的金錢建議，如果你已經對這段視頻豎起了大拇指，也可以使用，讓我們深入瞭解第一條，好成績意味著更多的錢。

When I was a kid, you have no idea how much my parents emphasized over migrate.

當我還是個孩子的時候，你不知道我的父母是如何強調移民的。

Every conversation I had with my parents would somehow be related to my great, I was a terrible student since the day I stepped my feet into the school.

我與父母的每一次談話都會與我的偉大有關，從我踏入學校的那天起，我就是一個糟糕的學生。

I don't know why, but I really hated school with my entire being.

我不知道為什麼，但我真的很討厭學校，整個人都討厭。

But when you hate the school, the school hates you back.

但是，當你討厭學校時，學校也會反過來討厭你。

You know those teachers when they see a kid doing poorly in class instead of helping him to do better.

你知道那些老師，當他們看到一個孩子在課堂上表現不好，而不是幫助他做得更好。

They pressured him to fail.

他們向他施壓，要求他失敗。

I mean, your job as a teacher is to help kids improve and not worsen their lives.

我的意思是，作為一名教師，你的工作是幫助孩子們改善而不是惡化他們的生活。

Maybe that's why so many kids hate school.

也許這就是為什麼這麼多孩子討厭學校。

And here is my favorite part.

而這裡是我最喜歡的部分。

For some reason, you're expected to know everything.

出於某種原因，人們期望你能瞭解一切。

When you come to school.

當你來到學校。

I'm coming to school to learn.

我是來學校學習的。

If I knew all of these things, why would I come to school in the first place?

如果我知道所有這些事情，我為什麼首先要來學校呢？

I try to argue with my parents.

我試圖與我的父母爭論。

That school is an absolute waste of time.

那所學校絕對是在浪費時間。

But my parents kept telling me how getting good grades will secure me a good future.

但我的父母一直告訴我，取得好成績將保證我有一個好的未來。

The truth is that no one really cares about my or your great, the world doesn't give a damn about your A's or C's not my employer.

事實是，沒有人真正關心我或你的偉大，世界不會在乎你的A或C，而不是我的僱主。

When I got my first job, not my customers when I started my first business nor my real estate clients.

當我得到我的第一份工作時，不是我開始我的第一個生意時的客戶，也不是我的房地產客戶。

When I got into real estate, neither are you because my grades are irrelevant.

當我進入房地產行業時，你也不是，因為我的成績是不相關的。

All that matters is how interesting or helpful these videos are.

重要的是這些視頻有多麼有趣或有幫助。

That's the only reason you're going to watch this video and not because I got some good or bad grades back in school.

這就是你要看這個視頻的唯一原因，而不是因為我在學校時得到了一些好的或壞的成績。

No two.

無二。

Don't waste your tribe with your friends or parties.

不要把你的部落浪費在你的朋友或聚會上。

It doesn't really matter how much, you know, you can have the in charge of Wikipedia in your head, but it is not going to help you if you don't know how to use that knowledge.

這其實並不重要，你知道，你可以在你的頭腦中擁有維基百科的負責人，但如果你不知道如何使用這些知識，它是不會幫助你的。

We humans are social creatures.

我們人類是社會動物。

We can't survive on our own.

我們不能靠自己的力量生存。

We do better when we work together.

當我們一起工作時，我們做得更好。

Take this channel for example, this channel wouldn't be possible if there wasn't a team behind it, Your iphone or Macbook or amazon prime wouldn't exist if it wasn't for collective work.

以這個頻道為例，如果沒有一個團隊在背後支持，這個頻道就不可能存在，如果不是集體工作，你的蘋果手機或Macbook或亞馬遜總理就不會存在。

So if you want to build something meaningful, you have to learn how to socialize with people and the best way to pump up your social skills is to spend time with other humans by going to parties events or simply going out with friends.

是以，如果你想建立一些有意義的東西，你必須學會如何與人交往，而提高你的社交技能的最好方法是通過參加聚會活動或簡單地與朋友出去，與其他人類相處。

Some parents try to isolate their kids as much as possible.

一些父母試圖儘可能地隔離他們的孩子。

So they grew up far away from other people filled with insecurities and lack of confidence going to parties or spending time with friends is a crucial component informing your character and skills to be able to either build a successful business or a solid Korea.

是以，他們在遠離其他人的地方長大，充滿了不安全感和缺乏自信，去參加聚會或與朋友相處是告知你的性格和技能的一個重要組成部分，以便能夠建立一個成功的企業或一個堅實的韓國。

Number three, play it safe.

第三，注意安全。

No one loves you more than your parents.

沒有人比你的父母更愛你。

You are the most precious thing they have, they are the reason you're in this world and they have spent years of their lives feeding you, taking care of you until you grew up when you put so much effort into something, you do your best to protect it.

你是他們最寶貴的東西，他們是你來到這個世界上的原因，他們花了多年的時間餵養你，照顧你，直到你長大，當你把這麼多精力放在一個東西上時，你會盡力保護它。

That's why parents usually tell you to play it safe.

這就是為什麼父母通常告訴你要注意安全。

Don't take unnecessary risks.

不要承擔不必要的風險。

Get into college, then get a job moved slowly through the ranks and by the Charm, you're 60, you will be successful by traditional standards when you finally pay back your mortgage and if you're lucky, you will be left with some savings.

進入大學，然後找到一份工作，慢慢地通過等級，到了《魅力》，你60歲了，按照傳統的標準，當你最終償還你的抵押貸款時，你將是成功的，如果你幸運的話，你將留下一些儲蓄。

However, that is not how you make money in this world.

然而，這並不是你在這個世界上賺錢的方式。

There is a simple rule in business, the more risk you check, the more money you could possibly make, the less risk you check, the smaller is the reward.

商業上有一個簡單的規則，你檢查的風險越多，你可能賺的錢就越多，你檢查的風險越少，回報就越小。

If you invest your money in government bones, for example, which are super safe maximum that you can hope for is 2%, which is lower than inflation.

如果你把錢投資在政府的骨頭上，例如，這是超級安全的，你可以希望的最大限度是2%，這比通貨膨脹率低。

But if you take a slightly higher risk and invested in the stock market, you can expect to get 10% for example.

但如果你承擔稍高的風險並投資於股市，你可以期望獲得10%的收益，例如。

But if you want to go extreme and invest in crypto, you might be able to double your money in a matter of a few months.

但如果你想走極端，投資於加密貨幣，你可能會在幾個月內將你的資金翻倍。

This is of course not a financial advice.

當然，這不是一個財務建議。

But the point is, you can't make real money by playing it safe.

但問題是，你不可能通過安全的方式賺到真正的錢。

Neither should you take so much risk that you end up losing everything, you should find common ground.

你們也不應該冒這麼大的風險，以至於最後失去一切，你們應該找到共同點。

But you both understand what you're doing and there is an element of risk.

但你們都明白自己在做什麼，而且有一個風險因素。

Number four, you get what you deserve.

第四，你會得到你應得的東西。

Let me disappoint you.

請允許我讓你失望。

Life is not fair.

生活是不公平的。

You don't get what you work for.

你沒有得到你工作的東西。

You get what you fight for.

你得到你所爭取的。

I know that it sounds brutal, but that's the honest harsh reality.

我知道這聽起來很殘酷，但這就是誠實的嚴酷現實。

Yeah.

是的。

Sometimes you actually get what you deserve, but that's an exception.

有時你實際上得到了你應得的東西，但這是一個例外。

You could be working in a company for 20 years and no one would give you a raise unless you get out there and bring it up or you might have a boss that cares for you, which is also an exception.

你可能在一家公司工作了20年，沒有人會給你加薪，除非你出去提出來，或者你可能有一個關心你的老闆，這也是一個例外。

I've seen countless examples, especially in business.

我見過無數的例子，尤其是在商業領域。

Business is war, It is literally modern day warfare and war is never fair.

商業就是戰爭，這簡直就是現代戰爭，戰爭從來都是不公平的。

Your competition will use various vicious tactics to crush you.

你的競爭對手會使用各種惡毒的戰術來壓制你。

Your colleagues might use Machiavellian tactics to get that position instead of you who deserves it more.

你的同事可能會使用馬基雅維利的策略來獲得這個職位，而不是你，你更應該得到這個職位。

I'm not saying that you should be super aggressive, but forget the idea that life is fair.

我不是說你應該超級積極，但忘記生活是公平的想法。

It has never been and it will never be get used to the harsh reality of life, learn how to survive in it and use it to your advantage instead of complaining about why you're not getting what you deserve, sorry that your parents lie to you, Number five do better than your peers.

它從來沒有，也永遠不會，習慣於生活的殘酷現實，學會如何在其中生存，並利用它來發揮你的優勢，而不是抱怨為什麼你沒有得到你應得的東西，對不起你的父母對你撒謊，五號做得比你的同齡人更好。

This is probably one of the worst pieces of advice parents often give their Children and it slowly leads them to financial misery.

這可能是父母經常給孩子的最糟糕的建議之一，它慢慢地將他們帶入財務困境。

When your parents compare you to other kids, when they tell you, why can't you get good grades?

當你的父母把你和其他孩子比較時，當他們告訴你，為什麼你不能取得好成績？

Like the rest of the kids in school, you start slowly developing that mindset of comparison when you start measuring your success by comparing yourself to your peers.

像學校裡的其他孩子一樣，當你開始通過與同齡人比較來衡量自己的成功時，你就開始慢慢形成這種比較的心態。

So when your friend gets a better car, you get in today to drive a better car as well, although you can afford it, you try to keep an image that you're doing as good as your peers.

是以，當你的朋友得到一輛更好的車時，你今天也會去開一輛更好的車，雖然你能負擔得起，但你要努力保持一種形象，即你做得和你的同齡人一樣好。

But the goal at the end of the day isn't to look rich, but to be one your life, your circumstances are entirely different from everyone else.

但最後的目標不是看起來很富有，而是要成為一個你的生活，你的環境與其他人完全不同。

You have a different set of strengths and weaknesses.

你有一套不同的優勢和劣勢。

So you should forge your own path to wealth and not follow what everyone else is doing.

是以，你應該開闢自己的財富之路，而不是跟隨別人做什麼。

A good place to start with.

一個好的開始。

The, the stock market, investing is the key to financial freedom, but it's not easy.

的，股票市場，投資是財務自由的關鍵，但這並不容易。

That's why I have created a course and skill share that will teach you everything you know to know about the stock market to start investing.

這就是為什麼我創建了一個課程和技能分享，將教會你關於股市的一切知識，以便開始投資。

It is straight simple, straightforward and fully animated.

它是直接簡單的，直截了當的，完全是動畫的。

I've literally answered almost all of the question you have in your mind.

我實際上已經回答了你心中幾乎所有的問題。

I strongly recommend it.

我強烈推薦它。

If you're serious about investing, it will not just teach you how to invest in index funds, but will also teach you how to analyze stocks and read financial statements and at the end of the course, you will have to complete an assignment that I will personally check.

如果你對投資很認真，它不僅會教你如何投資指數基金，而且還會教你如何分析股票和閱讀財務報表，在課程結束時，你必須完成一項作業，我會親自檢查。

And the best part of it is that you can get two weeks of sculpture premium if you use the link in the description and get the course for free.

而最重要的是，如果你使用描述中的鏈接，就可以獲得兩週的雕塑溢價，免費獲得該課程。

So don't miss it.

所以不要錯過。

You can also start your investing journey by getting two free stocks from Weibo by using the link in the description.

你也可以通過使用描述中的鏈接從微博獲得兩支免費股票，開始你的投資之旅。

You have everything you need to start.

你擁有開始所需的一切。

If you have enjoyed this video, you'll most definitely enjoyed 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，你一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股市中的商業投資。

That could potentially change your life.

這有可能改變你的生活。

Now give this video a thumbs up that it deserves and make sure to subscribe if you haven't done that yet.

現在給這個視頻豎起它應得的大拇指，如果你還沒有這樣做，請確保訂閱。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。