(cheerful music)

(歡快的音樂)

Money is an invitation to critical thinking.

錢是批判性思維的一個邀請。

You can afford anything, but not everything.

你可以買得起任何東西，但不是所有東西。

So if there's something that you value,

是以，如果有你看重的東西。

whether it's travel, food, or a house,

無論是旅行、食物，還是房子。

you can have that thing.

你可以擁有那個東西。

You just can't have an endless series of ands.

你就是不能有一連串無休止的 "和"。

You might not be able to have that thing and something else

你可能無法擁有那個東西和其他東西

and something else and something else.

和其他東西和其他東西。

And that doesn't just apply to your money.

而且這不僅僅適用於你的錢。

That applies to your time, your focus,

這適用於你的時間，你的重點。

your energy, your attention - any limited resource.

你的精力，你的注意力--任何有限的資源。

And life is the ultimate limited resource.

而生命是最終的有限資源。

So when you practice being better at managing your money,

是以，當你練習更好地管理你的錢。

you practice being better at managing your life.

你練習更好地管理你的生活。

My name is Paula Pant.

我的名字是保拉-潘特。

I am the host of the "Afford Anything Podcast."

我是 "負擔得起的任何東西播客 "的主持人。

I want to help you reach financial independence

我想幫助你實現財務獨立

by making smarter decisions with your money.

通過對你的錢做出更明智的決定。

(contemplative music)

(沉思的音樂)

The mistake that I see a lot of people make

我看到很多人犯的錯誤是

when they start asking questions

當他們開始問問題時

about how to manage their money

關於如何管理他們的錢

is that oftentimes people will ask a question

是，很多時候人們會問一個問題

about a product or a tactic.

關於一個產品或戰術。

So for example, they might say,

是以，例如，他們可能會說。

"Should I use this app,

"我是否應該使用這個應用程序。

or should I invest in cryptocurrency?"

還是應該投資於加密貨幣？"

First-principles thinking is stripping away everything

第一原則的思考是剝離一切

and really getting to the root of something.

並真正深入到事物的根源。

So if you think about a tree,

是以，如果你考慮到一棵樹。

the tactics and the products are like the leaves of a tree.

戰術和產品就像一棵樹的葉子。

That's the most visible surface

這是最明顯的表面

so, of course, it's what people might ask about first.

所以，當然，這也是人們可能首先問到的。

But first, let's start with the roots of that tree.

但首先，讓我們從這棵樹的根部開始。

The roots of that tree are your values.

這棵樹的根就是你的價值觀。

It's that question of what matters most.

這就是那個最重要的問題。

And then from those roots stem that trunk of the tree,

然後從這些根莖上長出樹幹。

which is your philosophy of life,

這是你的生活哲學。

the type of life that you want to lead.

你想過什麼樣的生活。

And from that philosophy, then

從這一理念出發，那麼

your objective or your goals:

你的目的或你的目標。

How does that philosophy of living

這種生活哲學是如何

translate into specific goals?

轉化為具體的目標？

That's really that tree trunk.

那真的是那棵樹的樹幹。

From there, you go out into the branches of the tree,

從那裡，你走到了樹的枝頭。

and they represent the strategy.

而他們代表著戰略。

Now that you know your philosophy of living,

現在你知道了你的生活哲學。

you know your goals, now you can come up with strategies

你知道你的目標，現在你可以想出策略了

for how to obtain those goals.

對於如何獲得這些目標。

And then once you have that strategy in place,

然後，一旦你有了這個戰略，就可以了。

then those leaves are the tactics and the products.

那麼這些葉子就是戰術和產品。

So if you're starting with the question

是以，如果你從這個問題開始

about tactic or product, you've got a leaf in your hand,

關於戰術或產品，你的手中有一片葉子。

but you don't have that root system built yet.

但你還沒有建立起這種根系。

When personal finance is framed

當個人理財被框定在

in the context of delayed gratification

在延遲滿足的情況下

so that you can have more money when you're 75 years old,

以便你在75歲時能有更多的錢。

it's really hard to get excited about that.

這真的很難讓人興奮。

But when we reframe that as financial independence

但當我們將其重新規劃為財務獨立時

and how taking better care of your money

以及如何更好地照顧你的錢

leads to this flourishing of freedom,

導致了這種自由的蓬勃發展。

of opportunity, of choice,

機會，選擇。

that becomes much more enticing.

這就變得更加誘人了。

FI is the point at which your potential passive income -

FI是指你的潛在被動收入------的點。

money that comes to you when you're sleeping,

當你睡覺的時候，錢就會來找你。

typically through investments -

通常通過投資 -

is enough to cover your basic bills.

足夠支付你的基本賬單。

And the reason that matters

而重要的原因是

is because then endless options open up for you.

因為這樣一來，無盡的選擇就為你打開了。

You have the freedom to do whatever you want -

你有做任何你想做的事的自由 --

whether that's to stay in your current profession,

無論那是為了留在你目前的職業。

make a midlife career change, become a full-time parent,

做出中年職業改變，成為全職父母。

or travel the world. Whatever choice you want to make,

或環遊世界。無論你想做什麼選擇。

you're able to make that without having to sweat

你能夠做到這一點，而不需要出汗。

about how you're gonna keep the lights on,

關於你如何保持燈光的問題。

how you're gonna keep the fridge stocked.

你要如何保持冰箱的庫存。

The pursuit of FI is for everyone,

追求FI是每個人的事。

but the first steps that you are going to take will differ

但你要採取的第一個步驟會有所不同。

depending on where you are in your journey.

取決於你在旅程中的位置。

There are really only three steps

實際上只有三個步驟

to achieving financial independence:

以實現財務獨立。

Grow the gap, invest the gap, repeat.

增長的差距，投資的差距，重複。

Grow the gap means to grow the gap

拉大差距就是要拉大差距

between what you earn and what you spend.

你賺的錢和你花的錢之間。

And there are only two ways to increase that gap:

而增加這一差距只有兩種方法。

earn more or spend less or both.

賺得更多或花得更少，或兩者兼而有之。

If you don't make very much,

如果你賺得不多。

like me when I was in my first job out of college

就像我在大學畢業後的第一份工作中一樣

making $21,000 a year,

年薪21,000美元。

at that stage of life, your goal is to increase your income.

在人生的這個階段，你的目標是增加你的收入。

If you're already making big dollars

如果你已經在賺大錢

but you have a spending problem,

但你有一個支出問題。

the low-hanging fruit is to curb that spending problem

低垂的果實是要遏制支出問題

and to address the root psychological issues

並解決根本的心理問題

that are leading to that spending problem.

導致該支出問題的原因。

Step two is to then invest that gap.

第二步是對該缺口進行投資。

My personal feeling is that everyone should aim

我個人的感覺是，每個人都應該以

to save and invest at least 20% of their income.

儲蓄和投資至少佔其收入的20%。

And when I say save and invest,

而當我說儲蓄和投資時。

that includes making additional payments

這包括支付額外的費用

towards the debt above and beyond the minimum required,

超過最低要求的債務。

retirement savings, investments in an investment account.

退休儲蓄，在投資賬戶中的投資。

It includes building up your emergency fund.

它包括建立你的應急基金。

Start with the goal of saving 20%,

從節省20%的目標開始。

and if you're nowhere close to that,

而如果你遠遠沒有達到這個要求。

increase your savings rate by 1%

將你的儲蓄率提高1%。

and do that every month or two.

並每隔一兩個月做一次。

It will take a few years,

這將需要幾年時間。

but you will over time get to that 20% mark.

但隨著時間的推移，你會達到20%的目標。

And then step three is repeat.

然後第三步是重複。

This is a lifetime practice.

這是一個終身的實踐。

This is not a quick hit

這不是一個快速的打擊

or something that's going to happen overnight.

或一夜之間就會發生的事情。

Money management happens for life.

理財是一輩子的事。

(contemplative music)

(沉思的音樂)

There has never been a point in history

歷史上從來沒有一個點

when the world has not been volatile.

當世界沒有動盪的時候。

A hundred years ago, there was also a pandemic going on,

一百年前，也有一場大流行病正在發生。

and there was a first World War.

併發生了第一次世界大戰。

A decade later, the Great Depression.

十年後，大蕭條。

After that was World War II.

在那之後是第二次世界大戰。

After that, event after event after event

在那之後，一個又一個事件發生了

that affected the entire globe.

這影響了整個地球。

I came to FI because I was scared

我來到FI是因為我很害怕

and anxious about the volatility in my life and the world.

併為我的生活和世界的動盪不安而焦慮。

My response to that was to become obsessed

我對此的反應是變得痴迷

with saving as much as I could

儘可能多地節省開支

because it allowed me to not be so scared of the future.

因為它讓我對未來不再那麼害怕。

It felt psychologically comforting to have these savings.

有了這些儲蓄，在心理上感覺很舒服。

Change is the nature of the world, the nature of time.

變化是世界的本質，是時間的本質。

And so, if you're looking out at the big global factors

是以，如果你著眼於大的全球因素

that are happening in the world today

當今世界正在發生的

and you're feeling fear,

而你卻感到恐懼。

embrace it and use that fear as motivation,

擁抱它，並將這種恐懼作為動力。

as fuel to make wise decisions

作為做出明智決定的燃料

about how you spend your money, your time, your effort.

關於你如何花費你的錢，你的時間，你的努力。

That's how you build a life that's more intentional.

這就是你如何建立一個更有意的生活。

And there's a lot of joy in that.

而這裡面有很多的快樂。

(cheerful music)

(歡快的音樂)

- [Narrator] Get smarter faster with videos

- [旁白]通過視頻更快獲得智能

from the world's biggest thinkers.

來自世界上最大的思想家。

(cheerful music)

(歡快的音樂)

To learn even more from the world's biggest thinkers,

要從世界上最大的思想家那裡學到更多東西。

get Big Think Plus for your business.

為您的企業獲得Big Think Plus。

(cheerful music)

(歡快的音樂)